23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  {$1900.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX {$2100.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX  XXXX {$4000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXXXXXX {$10000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT PENTAGON FEDERAL CR - UN {$10000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXX {$9000.00} POSTED ON XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX {$1900.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX {$92000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX {$2100.00} POSTEDON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX {$4000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXXXXXX {$10000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT PENTAGON FCU {$10000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX {$1900.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX {$92000.00} POSTED ON XXXX XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX {$2100.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX {$4000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXXXXXX {$10000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT PENTAGON - BANKCARD {$10000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX {$9000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX {$13000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT
Product: Checking or savings account

A scammer accessed my account and stole XXXX. The transfer tool was on my account
Product: Checking or savings account

I filed a claim for {$240.00} because I was searching for a health insurance through Obamacare And the website that I completed that purchase for said they worked with Obamacare because it was on the website. The website is obamacareplans.com I got in touch with claims assistance because I got a note saying I needed to provide more information. I provided everything I knew. I was misled and pressured by these people and I did not, in fact, authorize this. I failed to get the services I wanted and was misled. I explained this to Wells Fargo claims assistance. I made this phone call on XX/XX/XXXX of 2023, after I got my second note saying I needed to provide more information before the resolution and I did. I got a note on XX/XX/2023, stating that I did not to provide information that they requested from me when I in fact did and I have proof. I want them to go back on their call logs and review the recorded conversation I had with the claims assistance center.
Product: Debt collection

XX/XX/XXXX I receive a phone from a Paralegal/Admin Officer name XXXX XXXX who states he works for company that collect debt for XXXX XXXX XXXX XXXX XXXX which I did owe. However I was not able to finishing paying because I lost my job around that time. Im currently working and I made arrangement with XXXX XXXX telephone number XXXX. From XX/XX/XXXX to XX/XX/XXXX. I have been make payment arrangement to settle my debt with XXXX. XXXX XXXX states my last payment will be XX/XX/XXXX and they will email me the balance and completion letter so I can give this information to the credit bureau. However a few weeks back I receive a call from the real debt collection that handles Debt Collection for XXXX Jewelers. I spoke with XXXX XXXX telephone number is XXXX. She states that I fail to pay and settle for XXXX. I explain to her that I having been making payment and told her the people I 've been dealing. She research the matter and stated that they are a fraud/scam and been taking my money. I being paying more than I owed. She advised me to contact my bank institute to discuss this matter. I check my bank statement and the company that been taking my money is called Premium Asset Services recovery. She research that name and they are a scam as well. From XX/XX/XXXX to XX/XX/XXXX I have been making payment arrangement to a company that has been taking of advantage of me.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX XXXX Account # : XXXX Balance : {$690.00} XXXX Account # : Balance : {$2200.00} XXXX - XXXX Account # : XXXX Balance : {$3600.00} XXXX XXXX XXXX Account # : XXXX Balance : {$18000.00} As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.
Product: Debt collection

I am writing to dispute the continuous reporting of a fraudulent account on my credit report by your bureau, despite XXXX 's compliance in removing it and validation of identity theft. This persistent reporting violates the Fair Credit Reporting Act. 
XXXX XXXX XXXX
Product: Debt collection

XX/XX/XXXX I called XXXX to make payments on four private student loans that I co-signed for my daughter. I advised that the payment the service agent quoted was incorrect. After being transferred to three different agents I was advised that the payment was correct and one of the loans had been in deferment and now due. Ask when did the loan come out of deferment they advised XX/XX/XXXX. I  immediately advised that I was not aware and nor had the previous payments made XXXX thru XXXX was I told a different amount was due. I requested that they review the recorded conversations to confirm that I was never advised that the payment had come out of deferment and I paid exactly what the agent quoted. I made repeated attempts to get the notices re-aged but to no avail. XX/XX/XXXX I sent a certified letter requesting the history be examined, the letter was signed for on XX/XX/XXXX and as of today I have not gotten a response. The notices caused my credit score to tank and which subsequently resulted in my equity line being closed and the payment increased, Visa closed along with an increase in my mortgage insurance and credit limit on another card slashed from {$3400.00} to {$250.00}. This has caused a total melt down and I have yet to get a response. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

my complaint is with you. I receive e- mails from you, I have a case number but when I call to give you up dates you say you have no records of my case under my name or e- mail address. WHY? my case number is XXXX if I do not exist how is it you send me e-mails
Product: Credit card or prepaid card

I work as a XXXX and use my BOA credit card often and exclusively. As a result, I often amass thousands of dollars in credit card transactions every month. Inevitably while auditing monthly BOA credit card statements, I find issues including vendor overcharging, double charging, incorrect charging and other mistakes that are not necessarily fraudulent. 
I recently received a letter from BOA that appears to threaten my right to continue to file disputes with my BOA credit card. 
I am including a copy of that letter in this complaint. 
I believe it is my right as a consumer that I may dispute a transaction that I believe to be in error. With that consumer protection right, I have routinely found errors on my credit card statement and have routinely exercised my right to dispute transactions that I believe to be in error. I win many of these disputes because I turn out to be right. 
As a result of BOAs very poor dispute dept. phone response times and an ongoing poorly resourced department to handle complaints, I have spent hours of cumulative time attempting to file disputes with BOA. 
I view any attempt by BOA to bully or threaten my right to file disputes as a direct infringement on my federal and state consumer protection rights. 
I did phone BOA regarding the letter on XX/XX/2018 at approx XXXX XXXX eastern time. 
I spoke with supervisor XXXX ( XXXX ) and discussed the letter with him. He offered no specific resolution other than he offered to escalate the case internally. 
I will continue to exercise my consumer protection rights and should be able to do so without the threat of BOA canceling my credit card account.
Product: Debt collection

I'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments. I haven't missed any payments, and I urgently need your assistance in resolving this matter.
Product: Credit card

A My Best Buy Visa Card was opened on or before XXXX XX/XX/year> using my email address ( and potentially more of my personal details, but I do not know which ones ). 

The card was then used to purchase {$2100.00} of a/v equipment from Best Buy for delivery to an address in XXXX, AZ. 

When I received emails about the card and then the Best Buy order, I contacted Best Buy, whose customer service was excellent, and the order was quickly cancelled. Best Buy advised me to contact Citibank, the card issuer, to cancel the card. 

However, I live in the XXXX and am not an American citizen. Accordingly, I do not have a tax ID number. Calling from overseas makes things like this hard, but not impossible. Citibank has an overseas contact number. But because I do not have the credit card number and do not have a tax ID number either, I could not get past the first stage of the Citibank automated contact system. Hence, I have been unable to inquire about or cancel the credit card.
Product: Mortgage

I have a mortgage with Bank of America. In XXXX of XXXX they billed me 2x and I paid them both. They applied the extra payment to the next month. I was fine with that. I enjoyed being a month ahead on my payments. In XXXX of XXXX, they decided on their own to stop doing that and apply it all to principal. I called and had them change it back to being an extra month ahead. Now every month they try to keep trying to apply my payments to extra principal and I have fight them to change it to a standard payment. This month they are refusing to change it to a standard payment. I have all the documentation to prove this. I understand terms and conditions of a loan can be changed if both parties agree. They continually keep trying to change back the way they want without my consent. 

Thank You, XXXX XXXX
Product: Bank account or service

On XXXX/XXXX/2016 my account had an ending balance ( posted ) of {$8.00}, and BBVA charged me an overdraft fee of {$38.00}, even though my posted balance was n't negative. The bank is charging me an overdraft fee due to a hold on my account, not the posted balance as they are supposed to. My account posted balance was never overdrawn and is only now due to their incorrect fees they refuse to remove. 

Thank you for contacting BBVA Compass. We have received your inquiry regarding a {$38.00} NSF fees on your account. We would be more than happy and provide you information about the NSF fees that have been applied to your account. Upon reviewing your account, the NSF fees were applied because of a hold on your account of {$8.00} and {$6.00} to XXXX XXXX and XXXX 'S. When the transactions listed below posted to your account. The account only had a balance of {$9.00}.
Product: Credit reporting or other personal consumer reports

XXXX and Experian keep stating the my XXXX collection accounts are accurate. However, they are not. I want the accounts removed.
Product: Credit reporting or other personal consumer reports

I am disputing inaccuracies on my credit report that I believe are erroneous and negatively impacting my credit score. These inaccuracies involve the following companies : Southwest Credit System XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : 1. My identity was breached, and I was notified of this breach through XXXX XXXX. I believe this breach may have resulted in unauthorized or incorrect reporting on my credit file.

2. I have identified inaccurate information linked to the above companies on my credit reports from XXXX, XXXX, and XXXX. 
3. Despite attempting to resolve these inaccuracies by contacting the credit bureaus directly, the errors remain unresolved. 

Actions Taken : I contacted the credit bureaus to dispute the inaccurate items, but their responses have been inadequate. 
I also reached out to the above companies for clarification, but I have not received satisfactory responses or resolutions. 

Dates and Amounts ( if applicable ) : The inaccuracies appear across multiple months and include amounts and accounts that I do not recognize or that are reported incorrectly. 
Specific account details and discrepancies have been highlighted in the dispute letters sent to the credit bureaus. 

I request that the CFPB investigate these inaccuracies and ensure the information is corrected or deleted as necessary. Additionally, I request that the companies involved provide proper documentation to verify the accuracy of the reported information i requested and have not received support.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding several fraudulent accounts that have been reported on my credit report. These accounts are not mine, and I believe my personal information has been compromised. 

Below are the details of the accounts in question : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have never opened any of these accounts, and I believe they are the result of identity theft or fraud. I have already contacted the respective creditors and credit reporting agencies to report the fraud, but I am seeking your assistance in resolving this issue and ensuring that these fraudulent accounts are removed from my credit report. 

Actions I have already taken : I have filed a fraud report with all major credit bureaus ( XXXX, XXXX, and TransUnion ). 
I have placed a fraud alert on my credit file. 
I have requested copies of my credit report to identify any additional fraudulent accounts. 
I have contacted the relevant creditors to dispute these accounts. 
I have not authorized any transactions or accounts with these institutions, and I believe these entries are the result of identity theft or fraud. I kindly request an investigation into these accounts and the removal of any fraudulent entries from my credit report. ese accounts and their immediate removal from my credit report. I have attached a copy of the FTC report as well as my ID etc.
Product: Credit reporting or other personal consumer reports

The information that is on file does not match the opening date, and the balance does not match. 

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you please examine the documents? Some of the listed accounts contain inaccurate information. I am entitled to receive {$1000.00} for each inaccurately reported item on my credit file.
Product: Debt collection

I have a collection on my credit report from ncc for the company XXXX XXXX in XXXX XXXX Wyoming. The amount is for XXXX dollars and first they tried to tell my fiance not to bother to come to the hearing that was at a a later date thrown out of court the debt was for supposed damages and late fees that was compiled by paying rent 2 days late for months not knowing about this and was never told about the debt. This was in XXXX to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending dispute letters since XXXX last year and they have completely ignored my request to provide me with the documents that their company has on file that was used to verify the account I disputed. Being that they have gone way past the 30 day mark and can not verify the account under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete Account # XXXX *. Please resolve this manner as soon as possible thank you
Product: Checking or savings account

On XX/XX/year> I received emails stating I applied for a Citigold Checking account. I did not apply for this account. Or any account with citi. I received checks in the mail and also correspondence that there is a debit card again none of this is mine. Citibank has been HORRIBLE and absolutely no help! I reported this and they sent me a letter stating that there investigation determined it was valid because all the information was correct. Which is ridiculous because whoever is doing this has all my information. I just want this closed its really upsetting. Me as the victim have to prove I did not do this. None of this makes sense. I just want some help!
Product: Student loan

I have a collection on my Credit report for the amount of XXXX XXXX XXXX XXXX and XXXX XXXX dollars. Attached to XXXX XXXX XXXX. 
It was open XXXX XXXX  XXXX XXXX XXXX. 
I didnt do any business with this company. 
They added false information to my credit report.