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

Experian response : " We received the copy of the identity theft report that you provided ; however, in order to process your request to block information in your personal credit report due to identity theft, we need additional information. 
Please send : all pages of the identity theft report, including validation that the report was filed with a federal, state or local law enforcement agency To verify your identity, please include the following : Your full name including middle initial ( and generation such as XXXX, XXXX, XXXX, XXXX ) Social Security number Complete addresses for the past two years Date of birth One copy of a government issued identification card, such as a drivers license, state ID card, etc. 
One copy of a utility bill, bank or insurance statement, etc. '' -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - In my previous complaint, I included the following documents, which I will again submit : Driver 's License, Social Security Card, Utility Bill, Identity Theft Report filed with the Federal Trade Commission, All updated personal information, and Credit Reports from all 3 Bureaus to show inconsistencies.

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

I am providing information proving the information on my report is incorrect ; they still won't fix it.
Product: Credit card or prepaid card

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts reporting on my report that do not belong to me. I have tried to get them to remove it but they will not. 

XXXX XXXX XXXX XXXX - XXXX - {$29000.00}
Product: Checking or savings account

1. CFPB Complaint Loan Fraud & Servicing Violations File here : CFPB Complaint Form Subject : Complaint Against BHG & XXXX XXXX XXXX XXXX XXXX Violations Dear Consumer Financial Protection Bureau ( CFPB ), I am filing this complaint against Bankers Healthcare Group ( BHG ) and XXXX XXXX for loan fraud, deceptive lending, and illegal loan servicing practices. 

Key Issues : BHG Fraudulently Misrepresented My Loan Terms : BHG falsely inflated the principal balance and lowered the reported interest rate before transferring my loan to XXXX. 
This made the loan appear more affordable to consumers while deceiving XXXX into believing it was lower-risk. 
This is a clear violation of the Truth in Lending Act ( TILA ) and Unfair, Deceptive, or Abusive Acts ( UDAAP ). 
XXXX Has Illegally Refused to Provide My Loan Records : Despite three separate requests, XXXX refuses to disclose my principal balance, interest rate, or transaction history. 
Loan servicers are required by RESPA and TILA to provide borrowers with this information upon request. 
This suggests XXXXXXXX may be covering up fraudulent loan reporting.

Applicable Violations : Truth in Lendi
ng Act ( TILA ) ( 15 U.S.C. 1601 et seq. ) Real Estate Settlement Procedures Act ( RESPA ) ( 12 U.S.C. 2605 ) Dodd-Frank Act Unfair, Deceptive, or Abusive Acts ( UDAAP ) I request the CFPB to investigate BHGs fraudulent loan reporting and XXXX illegal servicing practices. 

I am prepared to escalate this further, including seeking legal action for loan cancellation and damages. 

Loan Masking technique : XXXXXXXX XXXX loan # XXXX BHG Financial Loan # XXXX Sincerely,
Product: Debt collection

OK STARTING IN XXXX COLLECTION HAS BEEN TAKING MY RENTERS REBATE EVERY YEAR BECUASE THERE IS ALWAYS SOMETHING IN THERE THAT DID NOT DO SO MY SISTER IS GOING FROM CITY TO CITY USE MY NAME AND SHE ALSO USE MY MOM NAME AND MADE XXXX IN HER NAME AND ME AND MY MOM LIVE TOGETHER AND SHE TO GET HER RENTERS REBATE TAKEN EVERY YEAR AS WELL.SO KNOW I THOUGHT XXXX HAD A FREEZE ON THINGS BUT I GUESS NOT SO I DID A POLICE REPORT ON HER FOR STOLEN IDENTTY ON HER THOSE CREDIT CARDS I DID APPLY FOR AND I HAVE A COUPLE OF TICKETS IN THERE WHICH IS NOT MINE BECUASE I SOLD MY XXXX XXXX XXXX IN XXXX AND I WAS IN THE PROCESS OF MOVEING AND WAS JUST GETTING RID OF A THINGS THAT I COULD'NT TAKE AND THAT PERSON NEVER TOOK THE CAR OUT OF MY NAME AFTER I DID ALL COMMUNITY SERVICE FOR ALL OF MY FINE AND I JUST HAD PART OF MY RECORD EXPUNGE.SO THE ONLY THING IS I GAT A XXXX IN XXXX AND I PAID FOR THE CLASS AND I WAS IN THE DMV PROGRAM BUT I COULD NOT AFFORD THE PROGRAM SO KNOW I JUST STAY HOME AND TAKE CARE OF MY MOM.I WOULD LOVE TO RESOLVED THIS WITH YOU MAYBE A SMALL PAYMENT PLAN FOR SOMETHING I WAS DUM FOUNDED ON. SO MY CONTACT # IS XXXX ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX THANK YOU. XXXX XXXX AGAIN PLEASE STOP TAKING ALL OF MY MONEY EVERY YEAR AND LETS WORK TOGETHER ON THIS.AGAIN THANKS
Product: Money transfer, virtual currency, or money service

XX/XX/2022 XXXX BANK OF AMERICA XXXX FRAUD MY XXXX TRANSFER GOT STUCK, I CALLED XXXX, THIS ENDED UP BEING A SCAMMER WHO CLAIMED TO WORK FOR BOA XXXX. IN DISTRESS I THOUGHT THEY WERE OFFICIAL. THE SCAMMER ACCESSED MY PHONE AND BOA ACCOUNT AND INSTRUCTED ME TO ENTER CODES. THEY DID THE SAME WITH MY XXXXXXXX XXXX  ACCOUNT THAT THE FUNDS WERE TO BE TRANSFERRED TO BUT XXXX XXXX LOCKED MY ACCOUNT.
Product: Credit card

Credit card was linked to an XXXX XXXX XXXX account. This account was closed in XX/XX/XXXX, however, charges were recurring from XXXX XXXX. When this was noticed, XXXX was contacted without response. Amex chat services suggested a dispute under the reason " recurring transaction has been cancelled. '' Today, XX/XX/XXXX I received notice that Amex is refusing to " investigate '' charges from XX/XX/XXXX to XX/XX/XXXX because it is outside of their 60 day claim window. 

I would like further assistance obtaining these funds back from the merchant, XXXX, who is refusing to cooperate or assist. Amex has consumer protections in place for purchases made without consent, or continued purchases after a service is canceled. I could really use their assistance reclaiming these funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Date : XX/XX/2022 On XX/XX/2022 I sent an investigation to the credit bureaus ( tracking numbers : XXXX, XXXX, XXXX ) to check every piece of information that complies with FCRA. They did not do a proper investigation in accordance 15 U.S.C 1681 section 603 ( 3 ) ( E ).

I am contacting you the second time because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. In accordance to 15 U.S.C 1681 s-2 ( A ) ( 1 ) these accounts is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit profile and scoring. 


Account name : XXXX XXXX XXXX Account number : XXXX I have previously requested that you investigate this information above and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. 

Account name : XXXX XXXX  Account number : XXXX The account number above have previously requested that you investigate this information and you have failedto correct the errors you are reporting on my credit report. Now is not the time to update, I demandthat you IMMEDIATELY DELETE this inaccurate information from my credit report. 


Account name : XXXX XXXX Account number : XXXX The account number above have previously requested thatyouinvestigatethis information and you have failedto correct the errors you are reporting on my credit report. Now is not the time to update, I demandthat you IMMEDIATELY DELETE this inaccurate information from mycredit report. 


Account name : XXXX Account number : XXXX The accountnumber abovehave previously requested thatyouinvestigatethis information and you have failedto correct the errors you arereporting on my credit report. Now is the timeto update, I demandthat you IMMEDIATELY REMOVE LATE PAYMENT ( XXXX ) XXXXofthis account as NEVER LATE frommycredit report. 

Account name : XXXX Account number : XXXX The accountnumber abovehave previously requested thatyouinvestigatethis information and you have failedto correct the errors you arereporting on my credit report. Now is the timeto update, I demandthat you IMMEDIATELY REMOVE LATE PAYMENT ( S ) 0XXXXofthis account as NEVER LATE frommycredit report. 


Account name : XXXX Account number : XXXX The accountnumber abovehave previously requested thatyouinvestigatethis information and you have failedto correct the errors you arereporting on my credit report. Now is the timeto update, I demandthat you IMMEDIATELY REMOVE LATE PAYMENT ( XXXX ) XXXXofthis account as NEVER LATE frommycredit report.
Product: Credit reporting or other personal consumer reports

I submitted a letter in writing to Experian about inaccurate information on my credit report. I requested they do a thorough investigation of the account with XXXX. They said the information for verified as accurate when I have the proof it is not.
Product: Credit card or prepaid card

I am reporting for fraudulent activity with Bank of America. I was trying to make my credit card payment using Bank of America ATM located in XXXX, WA ( XXXX branch ) on XX/XX/2018. I deposited the cash into the ATM for at lease {$350.00} or more. The ATM did not process my payment and did not returned my money. I called the Bank of America customer service right away and they answered my call with 20~30 minutes hold time. I explained to them what happened and they told me that they will review the ATM and process the payment within 3~5 business day. I checked again on XX/XX/2018 to see if my payment has processed or not, but it didn't. I called them again and asked what happened. The customer service rep said there is no inquiries regarding my ATM deposit and they have not processed any investigation. I complained and asked them what happened to my money. She said she has no clue and she will request for inquiries. Now it's XX/XX/18 and still no payment has been processed. I made additional payment using my other bank 's checking account, and that processed right away. Bank of America took my money and not returning nor processing the payment. If I didn't made additional payment using other bank 's checking account, they would've probably charged late fees, additional interest charges and so forth. If i don't contact the CFPB, they will never gon na return my money or process the payment. This credit card is not free. I paid like {$99.00} annual fee. I didn't signed up for this XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$19000.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$5300.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX  - XXXX - XX/XX/XXXX - {$0.00} INQUIRIES : XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

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



XXXX XXXX XXXX XXXX XXXX  XXXX IDENTITY THEFT XXXX XXXX XXXXXXXX XXXX XXXXXXXX -- IDENTITY THEFT XXXX XXXX XXXX # XXXX IDENTITY THEFT XXXX XXXXXXXX XXXX XXXX XXXXXXXX -- IDENTITY THEFT UNAUTHORIZED INQUIRY : XXXX XX/XX/2023 XXXX XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

XX/XX/2023 Steel River Systems , LLC began contacting me via mail, text and phone messages concerning a credit card debt in the amount of {$15000.00} with XXXX XXXX XXXX that was " written off '' or discharged over 10 years ago. In that time, I have rented property, purchased cars and a home with no mention of this " debt '' on my credit reports, therefore, maintaining a credit score in the upper 700 's. It is my belief that this is a " phantom debt '' and Steel River Systems , LLC is a scam organization trying to take advantage of people and their information. I have sent a certified letter to Steel River Systems , LLC to let them know about their invalid claims of trying to collect on a settled debt and to stop all communications and contact attempts.
Product: Debt collection

I have been receiving calls from XXXX repeatedly at my employer and on my cell phone. 

This person does not identify themselves, they simply say that they are trying to collect a debt. I have asked them repeatedly to stop calling and they continue. 

They have not said who they are, who they are collecting for and what company they are calling from. 

I googled the phone number and see many complaints about the same experiences I am having. 

I have no outstanding debt in collection and believe they are phishing for personal information.
Product: Credit card or prepaid card

US Bank opened a credit card fraudulently. I ever knew about this credit card. I have filed a complain for identity theft. They report to credit Bureau and my credit score dropped significantly. They are saying they are still investigating and are not providing any help in this regard. Their identity verification has major loop holes and i have been victim of their faulty system. I am trying to buy a house and they messed up my credit score
Product: Debt collection

I received a letter in the mail today, XX/XX/2020 from XXXX XXXX XXXX XXXX stating that " the records of Regions Bank show that your account has a past due balance of {$5500.00}. 

Creditor : Regions Bank Client Account # : XXXX XXXX Account # : XXXX Reduced Balance Amount : {$2700.00} Total Balance : {$5500.00} XXXX  Phone : XXXX The letter was sent to my name and address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX I have never heard of Regions Bank. I don't have an account there and never have done any sort of business with them. 

I have an outstanding credit record. 

I have been a victim of credit fraud twice before. The CFPB kindly helped me clear my name and restore my credit record. I can't believe it is happening again! Please help! 

Thank you in advance for your help. I look forward to your response, Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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

Account Name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account Number XXXX XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts transaction listed was not done by myself. Please delete immediately. 

Thank you.
Product: Vehicle loan or lease

Purchased extended warranty and servicing. 
Not able to receive servicing at the time intervals, as specified, and items not covered under extended warranty. Attempt to submit claim and claim wrongfully denied. 
Attachments available, unable to upload due to file being too large. 

Predatory, interest rate on loan. Interest rate takes advantage of financially disadvantaged in need of reliable transportation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

There are 3 accounts i have with XXXX XXXX and the accounts show late payments on my credit report. I had talked to the XXXX XXXX employee at the time and they said that they have noted the account with the financial difficulty and that there will be no negative reporting to credit agencies. Few month later The negative report showed up on my credit report, i have tried multiple times to contact them to resolve the issue and every time they deny the request.
Product: Money transfer, virtual currency, or money service

Robinhood recently closed my account and Ive been trying to resolve my issue of my account being restricted and I gave them all the information they asked for every time they contacted me this started XXXXXXXX XXXX XXXX and they jsut now XX/XX/year> have closed my account I had XXXXXXXX XXXX in my account and my money was promised to get back to me and now they are not letting me withdrawal and no money has been sent and they wont send it
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the listed account in my credit profile which appears to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, XXXX XXXX sections XXXX, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXXXXXX Balance Owed : {$18000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have several accounts that the credit bureaus have not properly investigated. for example, there is an account that shows under my name ( XXXX XXXX  ), however, this does not belong to me as the address that appears on their account is an address that i have never lived at. since this is reporting incorrectly, i believe the other negative remarks that are reporting are incorrect as well. since they have failed to properly investigate this, how am i to know that the other accounts are reporting accurate? all three credit bureaus have failed to properly investigate what i've been asking from them since XXXX of last year!
Product: Credit reporting, credit repair services, or other personal consumer reports

Exeter Finance is reporting my Date of First delinquency as XX/XX/XXXX but the date is incorrect. It was first delinquent in XXXX and this account should be deleted off all 3 bureaus due it being past the reporting date.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA section 609 letter sent to bureau and Experian did not provide actual documentation as requested. Bureau simply asked a creditor if a debt is owed. Actual contracts and documentation needs to be provided or this must be deleted. Investigation not completed and insufficient. 

This is for XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United States, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All are being investigated by the FTC XXXX Account Number : XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX XX/XX/2020
Product: Checking or savings account

Bank of America keeps paying and allowing payment to process when I have no funds in my account then charge me NSF fees?! I have called before to tell them to not let any payment go through if I have no money because I do not have overdraft protection. I can not afford to keep paying these nsf fees, obviously. I will be filing a complaint. Stop all transactions when I do not have any money in my account to repeatedly keep trying, causing my account to be overdrawn and accumulate fees. I am currently on state XXXX since XX/XX/2023 and still until this day have not gotten my XXXX money. I have no money to pay for my groceries, let alone these fees theyre attempting to charge me causing me more stress and XXXX as it is. I have no money right now to even buy groceries. My Bank of America EDD account has no funds for me to even use and my anxiety has sky rocketed.
Product: Consumer Loan

Payments are due the XXXX of the month ; payment was made XXXX - on XXXX received notification from XXXX that payment was over 30 days. This is the second month in a row that payments are not posted timely thus causing reporting to my CBR. I am already in enough XXXX and agony trying to maintain finances while my fianc lost his job, now to have my credit being damaged when I am trying to maintain. This is unacceptable - and 60 days to receive a response is not sufficient - this needs to be resolved for both months immediately!!!