23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I recently studied my credit report from your firm and was astounded to see multiple inaccuracies that are harming my reputation. This is deemed identity theft under Code 15 U.S. Code 1681b. I anticipate that this letter will result in a timely resolution of the targeted data that is reporting incorrectly. I am aware that it is your responsibility to keep correct records on all of my credit accounts. 

Please review the following : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : MACYSCBNA Account Number : XXXX These collections contain erroneous data, such as account status, date opened, balance, payment status, and last reported. A person shall not provide 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 erroneous, according to 15 U.S. Code 1681s-2. Why are the dates different if these are the same accounts given by the same source? Account should be deleted due to incorrect reporting. Why is a balance shown if accounts are reporting as charge offs and in collections? For false reporting, delete the account ( s ). 

After you have finished my request, send me a copy of my credit report reflecting these changes.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated My federally protected consumer Right to privacy and confidentiality under 15 USC 1681. 


Account : XXXX XXXX XXXX  / XXXX XXXX XXXX XXXX OPENED : XXXX XXXX {$210.00} Account : XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX OPENED : XX/XX/XXXX {$300.00} XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX {$740.00} 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

In XXXX an American Express account was opened without my permission. I have been. Victim of identity theft my wallet and all my information was taken from me. In XX/XX/XXXXXXXX  I informed American Express. Instead of looking into the matter they cancelled the card and sent it to an outside agency. I call every week to get information but am stonewalled. For the last year they have continued to be negligent and continue to harm me by reporting me every month for not playing my bills and lowering by credit. 
I have varified that they have been untruthful and intentionally give me wrong information causing me harm.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress These violations
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}, {$14000.00}, {$2600.00}, {$12000.00}, {$7800.00}, {$10000.00}, {$8900.00}, {$22000.00}, {$6000.00}, {$9400.00}, {$18000.00}, {$7200.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2600.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

5. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7800.00} -This is not my account. 

6. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

7. XXXX XXXX & XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8900.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$22000.00} -This is not my account. 

9. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 

10. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9400.00} -This is not my account. 

11. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account. 

12. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7200.00} -This is not my account.
Product: Bank account or service

I am a victim of the bank restructuring debits to maximize overdraft fees. 

I had an ACH transaction process on XXXX/XXXX/16 for {$1000.00} it was initiated on XXXX/XXXX/16 at the company 's website. I made a debit purchase on XXXX/XXXX/16 at XXXX for {$27.00}. When I got home I checked balances at XXXX XXXX/XXXX/16 I saw both ACH and debit I had an available balance of {$26.00}. I took pictures of screen with date and time stamp. 

On XXXX/XXXX/16 I was charged a {$35.00} overdraft fee for ACH debit and {$27.00} for debit total - {$65.00}. 

I opted out from overdraft fees. The balance should have shown a negative balance so I could have corrected it at XXXX or if it was the ACH debit which overdrew the account the {$27.00} debit should have been declined at the store. I was led to believe everything was fine with the {$26.00} available balance being shown with both debits. 

They are ripping consumers off.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX : {$10000.00} XXXX XXXX XXXX  : {$83.00}
Product: Checking or savings account

M

oneylion has been charging me member fees and credit builder loan fees multiple times per month on several different accounts simultaneously. They are reporting me to the credit bureaus as being delinquent even though they are receivi

ng three to four times the monthly payment if not more. I reached out to them and I was told all they could do was end my loan early which would cause a charge off on my credit report. I have bank records of all the transactions proving the charges all went through and were completed multiple times per month on at least three different a
ccounts per month. Moneylion ( among a few others ) is falsely reporting to the credit bureaus that I am delinquent as well as threatening to create a charge off for complaints all of which is making it impossible for me to rent an apartment so that my son and I can leave my abusive husband. This is absolutely criminal on a lot of levels. I have more records of the charges available on request. I was only able to attach a couple.
Product: Credit reporting, credit repair services, or other personal consumer reports

2018 opened my auto lease account with Chysler capital, 6 months later I totaled it. I had full coverage insurance for the vehicle under my fathers policy with me as the driver. The insurance company did not pay per the {$1000.00} deductible agreement. The auto loan was for around $ XXXX. They paid about {$9500.00}, leaving over {$6000.00} remaining owed on the loan. Chysler Capital did not properly investigate and instead tried to charge me the remainder. After refusing to pay since I had full coverage insurance, which they have proof of, they wrote off the loan as a loss. I was falsely charged with a debt that should have been paid by insurance. The insurance company refused to speak to me after I reported the wreck. They only spoke with my father since it was listed under his policy. Im unaware of the communications my father and the insurance company had.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried several times reaching out to experian. They have closed my complaints and just made excuses on why they could not answer my complaint.This is the third time the previous two times they have said they do not recognize the customer which does not make sense if I have provided my drivers license as well as a bank statement for proof of identity.I am being ignored from having my credit report investigated.
Product: Checking or savings account

On XX/XX/XXXX contacted US Bank about some charges that should not have occurred by a vendor resulting in fees access by the bank. I explained to the bank that the vendor had been notified and that they were refunding the charges, the customer service rep told me that it takes 48 hours for them to see the refund and when it appears then the bank would remove the fees and that I should see the removal of the fees on XX/XX/XXXX and I didn't need to do anything else. The vendor did in fact refund the account on XX/XX/XXXX as agreed. 

On XX/XX/XXXX I received a letter from US Bank indicating that the account had been closed for being overdrawn and that I owed {$59.00} to a collection agency. On XXXX XXXX I contacted the XXXX XXXX in XXXX XXXX, XXXX  and spoke to teller inquiring about the letter she pulled the account up and saw the refund and transferred me to a manager at this point the manager indicated that this was not their branch 's account and had XXXX from the XXXX branch call me. We discussed the letter and he agreed to waive the collect fees but couldn't reopen the account however, if I wanted to open another account I would need additional money to do so. I contacted the collection agency about the fees and they said just let the bank know that I had talked with recovery and since it was a bank error they should take care of the account. 

After careful consideration I decided that I shouldn't have to come up with more money to reopen an account and that the XXXX in fees that the bank charged should be used to open another account. I went into the XXXX branch and spoke to the rude manager who again said I needed to talk to XXXX at XXXX because the account didn't belong to that branch and wouldn't you know it right after I left her office who calls but XXXX stating that he over spoke when he said that he could waive the collection fees, something about he sent it in and it can't be done, I did ask for a copy of the request and he claimed that since it was online form that he couldn't send it to me. I tried calling the customer service number and spoke to XXXX said that once an account is close that nothing can be done she stated that 2 letters were sent out to me but I never got them because I would have responded. I asked for management but she put me on hold and eventually hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a FHA mortgage with XXXX from XXXX XXXX XXXX  with good standing however was transferred to XXXX XXXX XXXX XX/XX/XXXX and home was taken over by a real estate agent and I was locked out of home in XX/XX/XXXX after he entered home without legal course and took everything out of the home. I had made numerous complaints to various authorities about their practices to no avail for they were taking out fees, late fees, inspection fees, advance corporate fees, admin fees, etc with my escrow depleting it and then allowed a third party company Credco Corelogic out of Texas to release my personal information to keep me in a position to where I was unable to refinance, making my credit score get down into the XXXX 's at some points and then continued to push me into a corner for inability to seek resolution while being denied for HAMP due to my T form being altered by someone according to what they said, it was altered by their doing not mine. I felt that they were invading upon my privacy as a consumer and person that was unable to seek resolution from these people. I now have a foreclosure on my report and they did not have proper legal recourse to the home. When speaking to them they have stated it was an REO to foreclosure to short sale, so there are discrepancies with my credit in the amounts, dates, and other relative information on credit report to them also reporting an account being open until XXXX when I was forced out in XX/XX/XXXX. They have told me that the account was still open and had activity which was not my activity however the real estate agent as well XXXX that needed to be responsible for said information not under my account number, there were other chain of events overall from XXXX XXXX XXXX as well that I have not included in this complaint due to the numerous events that continued to occur. They continue to report inaccurate information to limited data on credit reports and I am seeking to have some resolution.
Product: Credit reporting or other personal consumer reports

There is an old Macys card on this report and I do not understand why as I have a current account with them that is in good standing. I have never closed an account and opened a new one with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite my previous 2 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you cant and did not verify any of the disputed accounts like you said you did. Your failure to delete the disputed accounts that you cant verify after two written requests is also evidence of your willful disregard of Federal Law.

When we go to litigation and through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you dont have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and the Court will order you to delete them.

You say that you have reinvestigated these accounts but youve admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation of 1681 ( a ) ( 4 ).

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law.

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I request that you do this immediately.

The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand that you delete all of the accounts listed below immediately & provide me with a copy of an updated and corrected credit report showing that these items have been deleted.

Office of Attorney General 1339  unverified/inaccurate account
Product: Checking or savings account

Somebody has my information including my SS # and they opened a Frost Bank account in my name
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX and XXXX account # XXXX XX/XX/2020. 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 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 reporting agency if the person knows or has reasonable cause to believe that the infomation is inaccurate.
Product: Checking or savings account

CHASE XXXX XXXX XXXX XXXX XXXX, IN XXXX Questions? 
XXXX www.chase.com XXXX XXXX XX/XX/2023 Update : Date of Inquiry : XX/XX/2023 Claim Number : XXXX Card ending in : Claim related to Account ending in : XXXX We have updated information about your claim Dear XXXX  We completed our research for the transaction ( s ) you reported on XX/XX/2023. 
Here 's what you should know We found that the transaction ( s ) was processed according to the information you provided or was authorized. 
No adjustment will be made to your account at this time. 
Contact us if you would like to request the information we used for our research. 
If you have questions, please call us at XXXX. We're available Monday through Friday XXXX XXXX to XXXX XXXX XXXX or Saturday XXXX XXXX to XXXX XXXX XXXX 
Sincerely, Customer Claims Department Enclosure 1The term " account '' is used to represent both deposit accounts and prepaid accounts. 

Disputed Transaction ( s ) : Transaction Description Date XX/XX/2023 XX/XX/2023 XX/XX/2023 XXXX payment to XXXX XXXX : XXXX XXXX payment to XXXX  XXXX : XXXX XXXX payment to XXXX XXXX : XXXX Merchant Description ( if available ) Transaction Amount {$400.00} {$500.00} {$500.00} Disputed Amount {$400.00} {$500.00} {$500.00} On XX/XX/XXXX, I had my phone and wallet stolen. The individual used my facial recognition while I was asleep to access my device and log into my accounts and transferred funds using XXXX. I filed a Report with the XXXX. After receiving report I submitted to the bank as proof to show that this was not me and that I didnt approve these transactions. Chase still refuses to add the money back to my account after to attempts. In the mean time the XXXX has issued a subpoena for these fraudulent transfers and the bank still refuses to recognize theses multiple transactions as fraudulent.
Product: Mortgage

Obtained XXXX mortgages with BOA XXXX and a line of credit XX/XX/XXXX that was NEVER accessed or used. Both mortgages were paid in full approx XXXX. No further communication with BOA. Sold home XXXX. My proceeds are being held by title company because of this credit line. Bank of America denies having any records of this OR my SSN being usedI have an email from BOA ( person unknown ) received XX/XX/XXXX stating A lien release in connection with above referenced loan is being prepped and will be mailed or electronically transmitted for recording to the appropriate county recorders office.

BOA reference number for this is XXXX XXXXXXXX , county book number XXXX page XXXX, instrument number N/A. 
Nothing has happened and I have been unable to contact anyone regarding this at BOA. Last contact was XX/XX/XXXX with XXXX who became defensive and hung up I have $ XXXX that is inaccessible to me because of this. I do not understand how this whole real estate deal was finalized if I dont have clear title, like how why did buyers bank okay this?
Product: Debt collection

South west credit XXXX owed i never use OR HAD CREDIT LINE FROM THEM SOMEONE FRAUDULENT STOLE MY Identity an i will like if this is removed off my account putting more points
Product: Credit reporting, credit repair services, or other personal consumer reports

I monitor my credit to prevent fraud. From XXXX until XX/XX/XXXX, my credit represented by my credit score stood at or above XXXX. In XX/XX/XXXX, it was XXXX, but in XX/XX/XXXX, it dropped to XXXX, indicative of serious error or criminal conduct. This prevented me from applying for a business loan. 

I wrote to the credit agency, requesting per the terms of the Fair Credit Act of 1970, to provide me with an explanation as to what negative information was introduced into my records to drop my credit rating by 150 points in a month. I have included a plot of the data. 

The agency sent me a form letter without addressing my core question. I then asked their legal department to review my request and respond to it, ensuring compliance. I wrote that I did not need a form letter, but an accurate investigation and a clear and concise explanation. The agency never responded. 

I respectfully request a careful review and a statement that includes precise entries that resulted in the significant drop in my credit score from XXXX to XXXX in the XXXX XXXX period. Please do NOT send form letters, and list any and all issues that caused the SIGNIFICANT drop.