23daVinci/CFPB_Complaints huggingface dataset:
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 {$7900.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$7900.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed that an account that was never declared as credit was reported as a secured card with a late payment ( XX/XX/year> ). This account was never a secured card but was a debit card/prepaid account. I never had a late payment with this creditor. It I the right of each and every credit bureau to report accurate information and protect me from false reporting. I have attached supporting documentation, including a copy of my credit report that shows the account reporting as a secured card with one late payment on ( XXXX of XXXX ) and the last payment status reported as paid/closed. I request that this issue be investigated and resolved promptly. Thank you for your understanding I look forward to this matter being solved promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX at XXXX pm on XX/XX/2019 and spoke with a representative and explaining sitowith dates and companies involved and their customer service would not care to help me and take care of the negative inquiries reporting on my credit report.
Product: Checking or savings account

I requested to transfer my XXXX to another company in XX/XX/year>. I submitted the request repeatedly via multiple means and XXXX denied receiving these requests. I repeatedly called asking for status and was told misinformation. I was promised updates by supervisors and none provided an update.
Product: Credit card or prepaid card

I forgot to pay citi XXXX and lady called me and asked me to pay. and she said she would waive the late charges if I pay it off so I paid it off but she did not waive the late charges and immediately hung upon me after I paid. I will never make payments to citi XXXX  again if this late charge does not go off.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account number on XXXX XXXX Account type Credit card. Date opened XXXX and said my account Discharged through Bankruptcy XXXX XXXX. My account was paid and at zero balance when I filed for bankruptcy. I filed for bankruptcy because I became homeless and was a victim of fraud not because of bad credit. I complained several times XXXX is reporting false information on my credit report and please remove it. I sent proof that XXXX was not part of the Bankruptcy Chapter XXXX because I had a XXXX balance. They refuse to remove it and the representative said to me " you XXXX people are always not trying to pay your bills ''.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX ( XXXX ) XXXX XXXX XX/XX/2025 XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear Equifax & Experian XXXX XXXX am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into the inaccuracies, as required by federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian & Equifax, for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.
Product: Credit reporting or other personal consumer reports

Dear, CFPB I formally address XXXX XXXX XXXX XXXX my ongoing dispute concerning the charged-off account referenced under Account Number : [ XXXX ]. In my previous correspondence dated [ XX/XX/XXXX ], XX/XX/XXXX, and XX/XX/XXXX I disputed this alleged account was inaccurate, it was re-aged, and continued reporting of a monthly balance associated with the alleged account. 

Despite my request for a thorough investigation, I have yet to receive a satisfactory response or any indication that my concerns have been properly assessed. This lack of action is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681 ( I ), and 1681 ( S ) ( 2 ) which mandates that this company investigate my dispute in a timely and meaningful manner. A charged-off account should not reflect a balance and definetly should not have activity for 74 months in the payment history. XXXX XXXX XXXX has change the date of last activity was XX/XX/XXXX. Now it shows past due as of XX/XX/XXXX. I am concerned that these errors will not get resolved it`s threatening my access to credit, employment, and housing. 
I respectfully request that you : Conduct a comprehensive investigation of my original dispute regarding inaccurate reporting. 

Provide me with the results of your investigation, along with any documentation used to analyze the accuracy of the reported information. 

Send me the assignment contract that pertains to alleged account to validate its current state. 

Update and correct your records to reflect the accurate information regarding my account. 

Notify the credit reporting agencies of any corrections made to ensure that my credit file is consistent and accurate or delete this account.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove any account that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked for a signed document showing that I have a student loan for {$9600.00}. When I look at my FAFSA profile, I have no loan posted for XXXX XXXX XXXX XXXX  The student loan is reported to my Equifax Credit Report. I have tried reaching out to the school, credit company, and FAFSA. When I spoke to the representative at FAFSA, I was told that I do not have a student from what they could see for XXXX. I have called XXXX on several occasions and no answer from the school. Equixfax keeps reporting the loan with the account number XXXX with an open date of XX/XX/2020.
Product: Mortgage

Several weeks ago I sent an email to BSI Financial Services to using their contact web page : XXXX XXXX XXXX, to have my mailing address updated since my mortgage was kind in full. It appears that although the request was received, my account was not updated and their mail is still going through my old address. I no longer live there. Now I am trying to figure out where my escrow check was mailed to and or if it has been mailed. No one can give me a stasis update and apparently BSI is too cheap to give the escrow department phone line so there is no one to speak to. I want me escrow check mailed ASAP and to the CORRECT ADDRESS. 

There is record of them receiving my change of address request no no action was taken. When asked for ticket number to record my phone call none could be provided because there are no reference number. I ask multiple people for ticket numbers or reference numbers and none were given.
Product: Debt collection

This has been reinsterted with out having the debt verified, violation of FCRA section 611 15 USC 1681 paragraph 5 I need this removed asap or will file a lawsuit.
Product: Credit reporting or other personal consumer reports

I am reaching out today to provide a follow-up on a previous communication regarding my situation as a victim of fraudulent activity. As per the provisions outlined in Section 605B of the Fair Credit Reporting Act ( FCRA ), Credit Reporting Agencies are mandated to promptly remove any entries listed on an identity theft report, reference number XXXX. Enclosed, you will find the necessary documentation aimed at facilitating the expeditious removal of inaccurate personal information and inquiries that have been erroneously recorded on my credit report. Below, I have outlined the specific items that were opened without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with FCRA Section 605B ( a ), Credit Reporting Agencies are obligated to expunge any consumer file entries identified by the consumer as resulting from alleged fraudulent activities within XXXX business days of receiving such notification.
Product: Credit card or prepaid card

On the XX/XX/XXXX, one guy stole my wallet, he swiped my credit card twice. One for XXXX {$210.00}, the other one for XXXX {$840.00}. Then i called the police and also i called the bank to freeze my credit card. After a few days, bank of America refund money for me. But!! on the XX/XX/XXXX, the bank charged me for same amount again. I tried to called ed the bank. But everytime i need to wait half hour over on the phone line. Yesterday i wait one hour and half on the phone line, finally they answered me. And then the bank need me to provide additional information to support my credit card was someone stole. Ok. i faxed for them about my case number from policy and policy card. But they still not resolve my problem. Just let me wait .. So i want to know how can i do. Can i complaint Bank of America service?
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found the following item listed below to be an error. 

XXXX OPEN DATE : XX/XX/year> - ACCT # XXXX Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under a 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 21days before the payment due date. I NEVER gave EXPERIAN Reporting Agency OR XXXX  any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b ( 2 ). EXPERIAN Credit Reporting Agency has caused severe stress and anxiety due to its abusive and unfair practices. This is a violation of 15 U.S. Code 1692 ( a ) Abusive Practices,15 U.S. Code 1681b ( 2 ), and 15 USC 1666b to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for $ XXXX per violation, for unauthorized credit reporting listed without my expressed written consent.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an XXXX XXXX  helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 Possible Financial XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX ( XXXX ) XXXX To Whom It May Concern : The credit information currently on my credit report contains entry showing a current payment status as of XXXX XXXX for my closed Possible Financial Account. 

It would assist me tremendously if you could make a goodwill adjustment that removes this negative payment entry from my three credit bureaus reports. This is a closed account that represents a past failure that I am hopeful will not continue to hinder my future. 

Thank you for your consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX .... Balance XXXX {$4400.00} ; XXXX XXXX XXXX XXXX  XXXX .... Balance : {$5600.00} ; XXXX XXXX XXXX Balance : {$120.00} ; XXXX XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX XXXX XXXX  XXXX .... Balance : {$670.00} XXXX XXXX XXXX  XXXX .... Balance : {$0.00} ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX, XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting

Complaint against Equifax is the incorrect reporting XXXX, XXXX. XXXX XXXX/XXXX/XXXX {$11000.00} XXXX/XXXX/XXXX, I worked hard with XXXX late last year to insure they were reporting correct and I know they have, Equifax refuses to do what is correct 1st, they need to report ( XXXX ) balance per XXXX request 2nd the need to delete this from the report starting XX/XX/XXXX, By law they can no longer reported 7 years after the last activity, see enclosed info Thanks XXXX
Product: Checking or savings account

In late XX/XX/2020 I noticed a charge on my account that I owed a hotel the XXXX in Dc that was booked through XXXX the amount XXXX my account was debited along with NSF for XXXX there were several as others payments could be processed. In XXXX Bank Of America Finally posted a temporarily credit to my account. Per there research I owed the funds. I informed them that I did not book the reservation as I had no reason. I have used the company XXXX for a hotel stay that was schedule for XXXX in XXXX but due to Coronavirus I forgot to call and cancel. I was not charged for it either. To my surprise I was charged for a stay that I didn't book at all. I had no reason. The night they said I booked it I was at home with a stay at home order for my state of Maryland. As a result this transaction has caused sever damage causing regular payments not to processing resulting in more overdraft fees each at XXXX. As of today I will not have a paycheck on Friday XX/XX/2020 as the fees and the payment for the no hotel stay at all being debited form my account. I have filed a re-open and I have informed the bank of my filing with your agency. As my Account was also hit my XXXX an over charges as my bill was paid in Full in XXXX and a week later they sent a credit for phones I returned to only charge my account XXXX by XX/XX/XXXX, XXXX. I called they refused to refund the monies stating that they can credit my account as I'll owe for this month. This was not an approved transaction. I was hit even more fees by Bank Of America as a result. I am closing this account as of now I have no funds to pay my car insurance, normal bills that come out and most of to buy food for my XXXX grand children that I am raising.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX  XXXX - Account Number : XXXX - XXXX XXXX - Account Number : XXXX - XXXX XXXX  XXXX - Account Number : XXXX - XXXX XXXX - Account Number : XXXX - XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) - Account Number : XXXX - XXXX - Account Number : XXXX - XXXX XXXX - Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my credit reporting service the following - unapproved - inquires are on my account. Currently the following are on my account : XXXX - XX/XX/XXXX Equifax XXXX XXXX  - XX/XX/XXXX Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

My Identity has been stolen. By whom I do not know. I signed up for credit monitoring that was offered because of the breaches. When reviewing my credit reports there were credit cards listed for Bank of America on my credit report. I called Bank of America on multiple occasions requesting information pertaining to the accounts on my credit reports. In return Bank of America send correspondence that the accounts can not be verified then resends correspondence when requested again with different account numbers. I made a police report, added a fraud alert on my credit reports. 

I sent Bank of America bank via certified mail which has been received and the signature card returned to me that validates that it has been received although they have done nothing to resolve this issue. Instead, I received correspondence with different account numbers. I requested the original credit applications which can not be produced. I received an email from Bank of America to call a Fraud resolution agent. I called he did not return my call, I sent an email I did not receive a response. I called today the fraud resolution at the number provided in the original letter and the call does not allow me to enter the extension to speak to the agent. I called the 1800 number for Bank of America because I do not have the full account number for the credit cards opened using my name I am unable to speak to someone. The automated recording hangs up. 

I am attaching documents to validate I am a victim of Identity theft, Bank of America has done nothing to assist me in resolving this issue except change account numbers and report information that is not mine, inaccurate to all three credit reporting agencies. This is identity theft that is a serious matter and Bank of America continues to ignore the issue. 

I am a victim of identity theft. Bank of America continues to ignore this serious situation, has not provided the credit applications for ALL the numbers pertaining to the correspondence I have received. Instead, the numbers are consistently changed and reported to the credit reporting agency that is inaccurate. Bank of America has tarnished not only my credit and now is affecting my health. Bank of America is trying to cover this up and is reporting false information.
Product: Checking or savings account

This is regarding unauthorize charges on my checking account access number XXXX that started XX/XX/2023 of XXXX with out my express written consent on XX/XX/XXXX I contacted navy federal credit union which has XXXX XXXX dollars in assets on the books and It is the largest credit union in the world has ignored the banking laws 12 USC 144,15 USC 1692 and regarding unauthorized withdrawl on my account i was informed that they would call me back two days later XX/XX/2023, consumer called and wasf told that there was nothing consumer could do about the unauthorize charge of XXXX. Consumer called again to navy federal credit uion and tried to get a resolution, they stated that it was already posted and moneys was already taken. This was done without notice. or due process, The Consumer is seeking remedy in the fact that consumer is an asset on the books, The the full amount XXXX should be return to the account access number XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to you because I noticed some inconsistencies on my credit report. This is damaging my credit score and needs to be looked at immediately. Please see items below. 
Account Name : XXXX XXXX Account Number : XXXX You are reporting a late payment on XX/XX/year> yet XXXX is reporting I paid on time. This is inaccurate reporting therefore please remove this late payment off my credit report and update to paid on time due to my FCRA rights.