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

It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) XXXX, XXXX, and TransUnion shall block the reporting of 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish can account without my written instructions under 15 USC 's 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 or other personal consumer reports

I am submitting to follow up on my previous communication with the Consumer Financial Protection Bureau, dated XX/XX/XXXX, concerning the presence of fraudulent entries inaccurately reflected on my credit reports. Despite initiating dispute proceedings with the credit bureaus, the problem persists, and I continue to identify the following fraudulent items : -- -- -- -- -- -- -XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed XXXX {$5700.00} -- -- -- -- -- -- -XXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX -- -- -- -- -- -- -TRANSUNION : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$5700.00}. Despite having submitted disputes and supporting documentation to the credit bureaus, the inaccuracies persist on my credit reports. Enclosed are the documents serving as evidence of the fraudulent nature of these items.
Product: Credit reporting or other personal consumer reports

Issue : Equifax Account Accessibility, Verification Issues, Data Mismanagement, and Inaccurate Reporting I attempted to access my 3-bureau credit report but received the following error message : '' Sorry, we can't show you today 's 3-bureau report. This might mean that Equifax has no record of your credit history or different personal details for you on file. Until this issue is resolved, you won't be able to see your report. '' This is the seventh time I have experienced this issue. Equifax 's inability to locate my file, coupled with repeated inaccuracies on my report, demonstrates a clear pattern of unprofessionalism and raises serious concerns about how Equifax is storing and managing consumer data.

Additionally, Equifax has a history of data breaches and systemic inaccuracies, which further undermines trust in their ability to protect sensitive personal information. The recurring issues with locating my credit file highlight ongoing failures in their processes and systems. 

Resolution Requested I request that Equifax : 1. Verify and correct any inaccuracies in their records.

2. Delete the affected accounts associated with this issue.

3. Provide an explanation for why this issue has occurred repeatedly and confirm that my credit report is accurate, complete, and accessible.

4. Improve their internal systems to ensure such errors do not continue.

These are also affected accounts that were previously reported in CFPB Complaint ID XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the account number I will also send this complaint, along with supporting identification and documentation, to the Attorney General 's Office for further investigation into Equifax 's practices .

This issue has caused repeated inconvenience and raises significant concerns about Equifax 's ability to safeguard consumer information, maintain professional standards, and comply with federal regulations.

Attached Supporting Documents and cover letter.
Product: Debt collection

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 : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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

There is a late payment on my credit report XX/XX/
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.SC. 1681 section 604 A States : it also states a consumer report agency can not furnish a account without my written instructions
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Ca, XXXX XXXX XXXX XX/XX/2024 Fidelity Creditor Service XXXX XXXX XXXX XXXX XXXX, Ca, XXXX Re : Dispute of Debt and Revocation of Communication Consent To Whom It May Concern, I am writing to formally dispute the validity of the debt that your organization claims I owe, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and other relevant consumer protection laws. Please consider this letter a request for verification and validation of the alleged debt and a revocation of consent for communication as outlined below.

Dispute and Validation Request : Under the provisions of the FDCPA and 12 CFR 1006.34, I am requesting the following : Validation of Debt : Detailed information on the debt as required by 12 CFR 1006.34 ( b ) ( 5 ) and 12 CFR 1006.34 ( c ) ( 4 ) ( i ), including the amount of the debt, the name of the creditor to whom the debt is owed, and an itemized statement of the account.

A copy of the purchase agreement between your organization and the original creditor as evidence of your right to collect this debt.

Proof of Licensing and Bonding : XXXX that XXXX XXXX XXXX is licensed and bonded to collect debts in my state as required by law. Please provide documentation that demonstrates your compliance with these legal requirements. 
Revocation of Communication Consent : Under 12 CFR 1006.34 ( d ) and 15 USC 1681-52 ( 7 ) ( A ), I hereby revoke any consent I may have previously given for your organization to communicate with me through the following means : Email Text messages Phone calls All future communications regarding this matter should be conducted through written correspondence sent to my mailing address listed above. Failure to comply with this request may result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory bodies.

Conclusion : Please note that this letter serves as a formal dispute and request for validation of the debt you claim I owe. Until you provide the requested documentation and evidence, you should consider the debt to be in dispute and cease all collection activities.

Thank you for your prompt attention to this matter. I expect a response within 30 days from the date of this letter. If you fail to respond within this period, I will consider the debt claim to be invalid. 

Sincerely, XXXX XXXX
Product: Debt collection

Repeated phone calls 3-5 per day, before XXXX in the morning. No messages left from company in regards to call.
Product: Credit card

For the past few months, I had been charged XXXX for paper statements.my account is setup to receive all statements online. I had tried to resolve the issued with costumer service but i haven't been able to resolve the problem.
Product: Checking or savings account

Bank of America and XXXX XXXX XXXX and myself had a conference call on XX/XX/2023, regarding a double payment of {$400.00} from my BOA checking account to my XXXX credit card account to verify if funds cleared my BOA account. 
Bank of America told the XXXX representative and myself to call back the next day because the XXXX {$400.00} payments was processing still. On XX/XX/2023, XXXX XXXX XXXX XXXX Representative and myself conference called BOA again and BOA representative verified the XXXX {$400.00} payments had cleared my checking account. 
XXXX XXXX XXXX XXXX then, credited my XXXX XXXX checking account {$400.00} to correct the double payment error. 
Bank of America turned around and sent both {$400.00} payments back to XXXX XXXX XXXX XXXX as NSF on XX/XX/2023. 

I have two complaints with Bank of America. First Complaint is I deposited my check of {$2800.00} in BOA on XXXX XXXX. BOA told me a one day hold until XXXX XXXX. I received the funds {$2800.00} on XX/XX/2023. 
I then, made payment with XXXX XXXX XXXX XXXX for my credit card with XXXX out my BOA Checking account. 
Bank of America came back and took the {$2800.00} funds out my account and said check on hold until XX/XX/2023. 
On XX/XX/2023, BOA put the {$2800.00} back in my account for the second time. I the mean time I called Bank of America and spoke with the call center and was told Bank Of American would honor any payments that came through my account from XX/XX/2023 to XXXX XXXX and I would not receive any NSF. 
Complaint 2, Bank Of America returned both {$400.00} payments to XXXX XXXX after verification on XX/XX/2023 to XXXX, They ( BOA ) had cleared the XXXX {$400.00} payments. 
Now, I have received NSF from XXXX XXXX XXXX XXXX on XXXX {$400.00} NSF fees. 
I was told by Bank of America call center representative XXXX, BOA is charging me two NSF fees as well. XXXX had filed a complaint with BOA for me as well. BOA Complaint number XXXX XXXX XXXX. 
BOA have me out here looking like a complete fraud to XXXX. 

Oh and Bank of America removed all the HOLD information from my checking account. Trying to cover up what they did, when they took the money back out my account. However, showing the money in my account as if it was never taking back out. But show both {$400.00} being returned with money in the bank Bank of America is a complete fraud!! ( How is Showing Money Available but returning check fees possible? All a BOA discrimination and defamation conspiracy.
Product: Credit reporting or other personal consumer reports

A company I hired to work on my credit placed an extended fraud alert on all of my credit reports, XXXX, Equifax and XXXX XXXX respectfully. At this time I request the removal of all fraud alerts with my credit history. 

PLEASE DELETE THE FRAUD ALERT ON MY CREDIT REPORTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the accounts was erroneous. The 3 credit bureaus must validate these accounts. It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$170000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$35000.00} XXXX XXXX XXXX Balance : {$25000.00} XXXX  XXXX Balance : {$33.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and found multiple late payment records that are inaccurate. These mistakes do not reflect my actual payment behavior. Please rectify these errors and update my account.
Product: Debt collection

Company : XXXX XXXX XXXX XXXX, consumer phone # XXXX XXXX XXXX XXXX file number : XXXX Claim date : XXXX Claim Location : XXXX CA XXXX access key : XXXX client claim number : XXXX WILBER indicated : we are handling this claim on behalf of USAA Casualty Insurance Co which is seeking reimbursement @ amount {$2700.00} from incident which occurred on the claim date. Please send info contact XXXX I have no idea of what is this about? I have no business or any relation with USAA insurance Co. nor did I have any incident ( reported / claim ) on the claim date ( XX/XX/2022 ) at location ( XXXX CA ). 
This is suspected as ID Fraud maneuver originated from USAA which somehow obtained my name and address ( only, no other info e.g. Tel # or detail information, provided by the involved companies. )
Product: Credit reporting, credit repair services, or other personal consumer reports

There are still remaining accounts on my report which are fraudulent and were resulted from identity theft. I am pleading for your help to remove these remaining items found on my report. Per FCRA section 605b, the credit bureaus are required to remove/block any account listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which is being posted on 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

I mailed out letter, police report, and FTC report on XX/XX/20. It has now passed 30 days. No response from creditor. They are still reporting fraudulent information. Per FCRA they have to remove fraudulent account.
Product: Credit card or prepaid card

Let me start with I have perfect credit. I pay my bills on time and have little to no credit card debt. So I want whoever is reading this to understand that I am not a disgruntled customer because of high credit card bills rather angry with a dishonest company utilizing sketchy practices to potentially harm their customers. 

I permanently opted out of all credit card offers several years ago. I dont want nor need them and I do not want their pre-filled checks out there in the mail. Last week - XX/XX/22 Chase reactivated all direct marketing activities on my account. I contacted them immediately informing them they were breaking the law due to this action. They indicated I had never opted out even though I have not received offers from them for years. I had opted via the FTC opt out process years ago for all credit offers and have not received any until this one last week. I then told the CSR they were creating risk in sending checks to me with my name and information on them as anyone could intercept and use these checks. She responded that was highly unlikely despite the envelope they arrived in being bigger than usual and containing multiple checks. After much back and forth the CSR agreed to restate my options and that I would not receive any further marketing communications. 

Today I came home to a letter from Chase informing me of the timeframes it would take to this which in some cases is three months - see attached. I called them just now reiterating that they were breaking the law as I had already opted out of this years ago and their marketing team had now opened this again for myself and I am sure many other Chase customers. And she refused to do anything to resolve this issue saying that because I just opted out last week they had the ability to follow this timeframe for the next 90 days. I told her I was calling the CFPB and that they were breaking the law but she stated there was nothing she could do. I told her I would inform the CFPB that they were refusing to fix this and that this probably has happened to any Chase customer who had previously opted out. She acknowledged my concerns and the call ended.
Product: Mortgage

I made a complaint earlier regarding this matter, the reason I withdrew my authorization was because I received a letter from my previous mortgage company that they accidentally increased my monthly payments by {$180.00} and I also made that payment. so because I made that payment I withdrew my authorization, I did not do anything wrong in that, kindly coordinate with XXXX regarding this. The loan No. is XXXX
Product: Debt collection

The debt collection agency FOX COLLECTION CENTER parked a debt on my consumer reports without notifying me of the alleged debt. I never received a notification or disclosure to dispute the debt or that the communication was from a debt collector. I, XXXX XXXX, noticed that FOX COLLECTION CENTER is not licensed in the state of MINNEAPOLIS, the company FOX COLLECTION CENTER indicates that it is in the debt collection business. This is against the Debt Collection Rule under the FDCPA. This company also gives implications that the holder of this account is from an attorney. A violation per 15 USC 1692e ( 3 ). This company is also damaging my financial reputation placing this alleged debt on my consumer report with the three consumer reporting agencies. A violation of 15 USC 1692d ( 1 ).
Product: Prepaid card

They temporarily suspended my account because they said it was unusual activity going on with the account and call to get it unsuspended. I called and they wanted me to write a letter explaining why I added so much money into my account and took it out. I did that, wrote a letter and faxed it to the number they gave me. They told me wait a couple days and keep an eye on my account to see if it comes unlocked. I called yesterday because it was the second day to see if they got the letter but they just told me to keep an eye on my account so I dont know if they have the letter or not.
Product: Credit reporting, credit repair services, or other personal consumer reports

The address at XXXX XXXXXXXX XXXX XXXXXXXX XXXX Fl XXXX is not my address. i have never lived at that address
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/2022 I sent my letter off on XX/XX/2022. I told the credit bureaus to investigate every piece of information on accounts I have listed below. After which I also filed a complaint with the CFPB ( Consumer Financial Protection Bureau on XX/XX/2022 for improper usage of my credit report. 

According to the FCRA the term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated that my account was verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts are STILL not reporting 100 % accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 

Accounts : Account Name : XXXX XXXX XXXX CO Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  US BANKRUPTCY COURT Account Number : XXXX Account Name : CXXXX XXXXXXXX US BANKRUPTCY COURT Account Number : XXXX
Product: Credit card

Starting on XX/XX/2023, to present I have not been able to log into my credit card account with Barclaycardus. I've gone through the verification process several times, then changed my password as instructed but the new password never works. I called three times to get customer support to help with no avail or resolution. The call center is outsourced to the XXXX making communication difficult here in the United States. When I explain the situation, they have me repeat the verification process that I tried on my own and the same problem happens with no resolution on their end. There is currently no way I can monitor my account when I can't log into it. Whenever I change my password, it says that I have successfully changed it. Then, below that message it states. " OPPS! sorry for the inconvenience but your request could not be processed, please try again ''. Obviously, the problem is an IT issue, and they don't know how to correct it or resolve my problem. When you speak with one person, they then hand you over to someone else to speak to with the same result.
Product: Debt collection

My ex boyfriend had his XXXX XXXX removed back in XXXX I believe. I guess he never paid it. Well it went to collections & when they tried to contact him. He told them to call me for a payment. I made one payment for him in XXXX from his card. But for some reason his debt is on my credit when I never had anything to do with the account. I have contacted the doc office directly and they wouldnt give me any information on the account either because I am not on the account. I called the debt collector to advised them of this. But they said because he called me his wife it is my debt. Him and I were never married and never portrayed ourselves to be married which to even be common law you have to do. I never agreed to be on this account. It is not a joint. I do not think I should be on the account just because they said that is what he said. That is not me agreeing to it and I did not give them any personal information. My name was already on the debt prior to them attempting to contact us. I am not even sure how they obtained my information. Also the creditors are extremely rude and disrespectful.