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

There is a charged off credit card account from Bank of America reporting on my credit report. I did not authorize this account and notified Bank of America on numerous occasions about this fraudulent account. I was instructed to go inside a local Bank of America branch with 2 forms of identification to resolve the matter. On XX/XX/2021 I went to a local Bank of America branch office and spoke with the Assistant Branch manager about the fraudulent credit card account. She took my 2 forms of identification and asked me several questions pertaining to current contact info such as email address, phone number, and other personal identifiers. After verifying my identification and cross referencing it with the information that was used to open the credit card it was clearly determined this account was fraudulent. She made notations of this account being fraudulent into the system and assured me that this account will no longer continue to report to the credit bureaus and that I should receive a letter in the mail from Bank of America stating this account has been closed due to fraud. As of XX/XX/2021, I have yet to receive any correspondence from Bank of America stating this account was determined to be fraudulent. More importantly, on XX/XX/2021 the credit bureau XXXX completed a dispute investigation that I issued in reference to the fraudulent credit card account being reported Bank of America stating the account was verified by Bank of America as belonging to me. Since receiving this information from XXXX I have made numerous attempts to speak to someone at Bank of America concerning this fraudulent credit card account. Unfortunately it is evident that Bank of America has changed the personal account information in their system. The original address and telephone number used to open the account was not mine thus the reason I was instructed to go inside a local branch with 2  forms of identification. It is frustrating and very disturbing that Bank of America has simply updated the account with my address and telephone number so now when I call to dispute this account the representatives say the information on the account matches so no dispute or investigation can be made. 
This illegal and unethical practice has negatively impacted my credit and causing unnecessary stress and financial hardship. I would like an investigation into the unethical practices used by Bank of America concerning this fraudulent account. I also seek immediate removal of this fraudulent account from the credit Bureaus. 

Thank you for your assistance and attention concerning this matter.
Product: Credit reporting or other personal consumer reports

please CC all companies you are finding below THAT ARE HIGHLIGHTED. XXXX XXXX XXXX CC : EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CC : SOS OF FLORIDA. This notice is to inform you that someone unlawfully reported an unauthorized account on my consumer report. I have not given you written permission to put anything on my credit profile.. The purpose of this letter is to dispute the validity of the debt being claimed under the XXXX XXXX XXXX XXXX ( XXXX XXXX ). I strongly believe that this alleged debt is in direct violation of the XXXX XXXX XXXX XXXX, which prohibits any form of debt bondage or involuntary servitude arising from human trafficking. I am a victim of XXXX XXXX
Product: Credit card or prepaid card

DO NOT DO BUSINESS WITH CAPITAL ONE. On XX/XX/2018, I was fraudulently charged by a phony organization in the country of XXXX, for supposedly driving something like 12 mph over the speed limit. My car was stopped by a phony policeman who said I could pay or I would go to jail. I could barely understand what he was saying. The form he put in front of me was only in XXXX -- NO ENGLISH. The amount on the form was XXXX ( XXXX XXXX  XXXX ) XXXX   Kroner  ( about {$10.00} ). He demanded a credit card, not cash. So, I gave him my Capital One credit card. When the Capital One bill showed up back in the USA, it had been billed {$800.00}. I disputed the charge to Capital One. On the chargeback reply, sent to Capital One from this place, the amount had been CHANGED to XXXX ( XXXX XXXX XXXX ) XXXX Kroner ( {$800.00} ). They had MODIFIED the original form, adding English and changing the amount by changing periods to commas. I still have the original form, all in XXXX, which clearly shows periods -- not commas. I sent a copy of the original form to Capital One, but they took the side of this fake police department, with their changed form, from this very remote area of XXXX. In addition, I told Capital One that my drivers license isn't even the one on the form. I was given the ticket because my name was on the rental agreement. I sent a copy of my drivers license to Capital One to prove this. The lady at the local XXXX XXXX XXXX ( the reason we had gone to this remote place ) explained that this was a 'tourist trap ' targeted at rental cars. She said there wasn't even a town. I explained all this to Capital One, but Capital One has taken their side. My credit rating is in the 800 's. I have never been late for a payment, in more than 50 years with credit cards. I'm XXXX years old. With my company, I've charged hundreds of thousands of dollars with Capital One, over more than 30 years. I thought they 'had my back ', but they take the side of a phony organization in another country. From what I've read, from the complaints posted here, it seems that Capital One will always side with the so-called 'merchant ' over the credit card holder.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has placed these 2 accounts on my credit report before notifying me within 5 business days. These two companies have not sent me anything in writing to explain why they have sent these accounts to the credit bureaus to upload them to my credit report. According to the FCRA, I am supposed to be notified in writing about accounts that are placed on my credit report and I was not notified. 

XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act 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 XXXXXXXX, has violated my rights. 15 USC 1681 602 Section A. States I have a right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

In XXXX XXXX XXXX I had multiple identity thefts. Had addition monitoring services. In XXXX I reported fraud charges on a XXXXXXXX XXXX  credit card. After doing this, fraud charge was credited back to the account. I spoke with XXXXXXXX XXXX fraud department assuring me after there review they were able to confirm fraud / identity theft as the charge was in another state. Confirmed signatures did not match. I learned year or two later it was sent to collections. Now XX/XX/XXXX Resurgent collections has put this on my credit report. I have disputed this with all 3 credit agencies. To my understanding this was complete in XX/XX/XXXX. All other fraud from identity theft has been removed. There was cable, XXXX XXXX, energy. My purse was stolen out of my car in XXXX I believe this and a XXXX email is how it was compromised. I would like to dispute this issue immediately. Please assist me with doing so.
Product: Mortgage

We believe we experienced housing discrimination by RMC Home Mortgage LLC due to my XXXX XXXX  XXXX status and XXXX XXXXXXXX. The company required us to provide additional statements and confirmations regarding her pay and return to work, which was set to be on the day after her XXXX XXXXXXXX ended, despite having provided proof of her income and employment. The original closing date was set for XX/XX/XXXX but they refused to approve us for the closing on that date because of XXXX XXXX XXXX XXXXXXXX XXXX from XXXX. They then set the closing date to be on XX/XX/XXXX, the day after my wife is back to work and off her XXXX XXXX. She did mention having to use a company benefit of having one holiday off the calendar year that she hasn't used because of her XXXX XXXX  the XXXX was the only day she could use it before she would lose it. They told me she would have to forfeit her benefits from the company to close on the XXXX which led to them rescheduling the closing to a later date. They then postponed the closing until XX/XX/XXXX, when they said they could confirm with the company that she was literally at work physically doing work. Not only that but they wanted proof of her first pay stub being back to work without the documentation of the requirement at closing and this requirement was made because she was on XXXX even though she had proven to them that she was making what she said and that she was still employed. This cost us additional money to pay for maintaining an interest rate lock extension. This discriminatory treatment was carried out by multiple individuals at RMC Home Mortgage LLXXXX. If the Loan Officer didn't report the others from discrimination then he was a part of allowing it to take place in the first place. He made no mention of this being discrimination outside of in the beginning that he stated the XXXX XXXX and XXXX aren't something they ask about. It became a huge issue to secure the loan within a reasonable timeline. This is also going to cost us thousands of dollars in property tax that I would have been able to get an exemption for had they closed before or on XX/XX/XXXX. They then said that we would only pay property tax as the house isn't completed even though it was signed off completed XX/XX/2022. The loan officer and the XXXX XXXX realtor seem to call each other to come up with ways to postpone closing. A lot of it was done over the phone which I do not have records of. My understanding all calls were possibly monitored and recorded. Also submitted documents through XXXX that I can not access anymore that show the additional information they needed due to my wife being on XXXX XXXXXXXX. They claimed that she could quit her job and not go back to work when the reality is she can't quit at any time regardless of her being on XXXX XXXXXXXX.
Product: Credit reporting or other personal consumer reports

Hello I am writing this letter to notify the credit bureaus of these fraudulent accounts that I never open. I am a victim of identity theft. Also, my identity was stolen for personal gain. Please delete all fraudulent accounts listed below. 


Account name Account number Amount XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Inquiries below ain't mine they are fraudulent. Please remove as soon as possible. They should not be on report. XXXX XXXX, XXXX XXXX XXXX.
Product: Debt collection

I've been trying to fix my credit reporting since last year by sending legal documents to the credit bureau. I know my right to have an accurate reporting in compliance to FCRA. There is a fraudulent account in my profile that i want to remove as soon as possible. it's been months fighting for my right. Kindly remove the following as soon as possible. 

XXXX XXXX # XXXX. date opened XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

they reporting inaccurate payment history I was never late on this account and my payments were in forbearance during Covid. This has caused me to lose my home refinance and emotional distress. I requested in writing proof of what they were verity and got nothing enclosed is proof that i have tried to resolve this issue numerous times.The account in question PHH Mortgage # XXXX. I was in forbearance due to Covid -19 and was told this would in no way affect my credit reporting Letter enclosed from the creditors
Product: Credit reporting or other personal consumer reports

I am a federally protected consumer and I am aware of my rights laid out by the FCRA. Im aware that you as a consumer reporting agency must maintain accurate records at all times across all credit reporting agencies on consumers files.

Please investigate the completeness on bellow listed accounts within my consumer report that you maintain under my name and update my report with your findings within 30 days of your receipt of this dispute notice as per FCRA guidelines. 

I have attached screenshots of the erroneous information within my report for this account. Please complete this account within 30 days and forward me the results. If this account can not be verified, DELETE from my consumer report. 

ACCOUNTS : XXXX XXXX XXXX Under 15 U.S. code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

I have experienced much mental hardship over this erroneous account as it is prohibiting me from refinancing my home.

Standards established in the credit industry were created to ensure integrity of data and uniform communication between ALL credit-reporting agencies to maintain maximum possible accuracy. If these standards are broken then liabilities can arise.

Your agency is obligated to conduct a thoughtful and fair investigation about this very important matter as I am attempting to handle this issue privately, now.

I have attached the erroneous account ( s ) in question. This account ( s ) needs to be DELETED due to inaccurate information reported within my consumer report if it can not be 100 % verified/validated within 30 days of your receipt of this dispute notice then it must be corrected. Failure to do so could constitute willful non-compliance by your agency.

Please DELETE this erroneous, inaccurate information on my consumer report within 30 days of your receipt of this letter if this information can not be made complete.

Thank you for your rapid response in this very important matter,
Product: Money transfer, virtual currency, or money service

I was receiving a payment for a model I was selling and the payment was sent thru Zelle. I recieved an email stating I need to upgrade my account to a business account and needed to reimburse the sender of the funds. This happened a few times leaving me with very low funds in my account. Amount lost {$1100.00} Problem # XXXX I was purchasing some good electronics, the person asked for more money to pay for the shipping and insurance, I sent more funds to help them out. Again funds were sent thru Zelle  Amount lost {$700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

please find attached the XXXX XXXX letter received by me after requesting to have the derogatory marks to be removed due to their mistake. please have all the major credit reporting agencies update as never late and remove the derogatory marks from their reports. 
thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has my date of birth incorrect. When I spoke to Customer Service i was told to mail a copy of my DL, SS card and a utility bill to XXXX XXXX XXXX XXXX GA XXXX. Which I did in XX/XX/2022. When I checked back the issue still was not resolved. I called, verified the address and resent in XX/XX/2022. The issue is still not resolved. When I ask why I never received a letter stating there is an issue or requesting more information I just get the run around. When I speak to a supervisor all they say is to mail it again. I didn't feel comfortable doing it the first time. Now even more so I don't want to mail my personal information. Especially when I know the company has no regard for the safeguard of my personal information. Please help! This company needs to be held accountable.
Product: Debt or credit management

This account was removed from my account on XX/XX/year>. The creditor keeps sending it to collections
Product: Debt collection

I was called by trinity hope association in XXXX NC and threatened if I didnt pay that it would go to the attorneys and that I will be sued. Also have no idea if this call was a scam or not. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNT FROM SANTANDER AUTO DOES NOT BELONG TO ME SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNT IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA & # XXXX ; s. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Product: Debt collection

This letter is to file a complaint after several writting to this collection agency nothing was resolve I never in my life have spring service now im getting bill for {$1400.00} for spring and this collection company it was report to all my credit I even called the collection company to send me prove that when was this account was open no prove was sent to me.
Product: Vehicle loan or lease

Southeast Toyota Finance claims that my {$10000.00} payment and the XXXX bank payoff check were processed concurrently, and that this caused an accounting problem, and that they have referred the problem to their accounting department for correction. However, it has been about a week since I talked to them about this problem, and about a month since they have been paid in full, and they are still showing a balance on the loan on my account on their website, without the XXXX payoff. Furthermore, I think that they owe me money, having been overpaid. 
The XXXX payoff to XXXX was {$18000.00} on XX/XX/2024. My {$10000.00} payment was credited to my XXXX Account on XX/XX/2024. I speculate that since the XXXX payoff was processed first, that this hung up the transaction, somehow.
Product: Credit card

In XXXX '23, I called XXXX XXXX XXXX from Barclay 's to report my card ( ending XXXX ) lost/stolen, and also asked to close the account. I was not aware of any outstanding charges. 
On or about XXXX, I received a bill from the closed account for {$22.00} for charges which were made after I reported the card stolen. I called and was told to dispute the charges, which I did. Around XX/XX/XXXX I received a letter saying the charges were valid because the chip was used. I called XXXX XXXX Cust. service again and reiterated that the card was not in my possession at that time and I had reported it stolen. 
Nevertheless, I continued to get bills with late fees and interest charges and called again on XX/XX/XXXX for over an hour with an agent and supervisor. After much review, I was told I was incorrectly told to file a dispute for the charges and should have filed that they were fraudulent. At the end of this phone call, I was assured that everything was taken care of, the charges were now listed as fraud, and there would be no further problems with the account ( which had now been closed for closed for 6 months ). I was also advised to write the credit bureau and explain due to my concerns about the impact this outstanding charge was having on my credit rating ( normally @ XXXX ), which I did. 
Today, I have had to call Barclay 's XXXX XXXX XXXX. Service again because I received yet another bill with the charges and late fees/interest. I was on the phone for another XXXX hours and no one seemed to know how to deal with it. 
This has been the most frustrating waste of time and the worst problem I had ever had with a credit card company. The level of incompetence, the waste of my time, and the impact on my credit rating is unconscionable. 
Please help. 
Also, I want to make sure that this issue is investigated so others do not have to go through this horrible experience. Consumers deserve better.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Formal Complaint for Inaccurate Late Payment on Credit Report. 
Dear CFPB, I am filing a formal complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for account XXXX. Despite multiple written requests for correction, dated XX/XX/year> and XX/XX/year>, Equifax has neglected to address these errors. This lack of response constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations : Under 15 U.S. Code 1681i, credit reporting agencies must ensure the accuracy of information in consumer files. The continued reporting of incorrect late payments on my account breaches this legal obligation. Additionally, as per 15 U.S. Code 1666b, creditors are mandated to send periodic statements at least 21 days before the due date, which has evidently not been adhered to given the erroneous late payment entries.

TILA Violations : The Truth in Lending Act emphasizes accurate and timely disclosures for consumers. The persistent misreporting of late payments on my account has harmed my creditworthiness, which TILA intends to protect.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces creditors ' responsibility to deliver timely statements, ensuring consumers are not penalized unfairly. The accounts inaccurate late payment report violates this protection, affecting my financial standing. 
XXXX Action Taken : XXXX has proactively removed the account due to the verified errors in late payment reporting. Despite this corrective action by XXXX, Equifax continues to report inaccuracies. 
Equifax Reporting History : Late Payments Recorded : XXXX late payments in XXXX and XXXX Two-Year Payment History : Consistent " OK '' status reported except for XXXX and XXXX Days Late - 7 Year History : Equifax - 30 days XXXX XXXX occurrences This unresolved error impacts my financial reputation and credit score. I formally request the immediate removal of all inaccurate late payment notations from my credit report, as has already been done by XXXX. If the issue persists, I am prepared to escalate my complaint, potentially involving legal action and additional complaints to relevant consumer protection agencies. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX