23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I am a victim of fraud. I made XXXX reports. The person got my phone turned off and there were transactions I didnt make. The companies attempted reversed the credit which is not right. How can you tell me what I experienced like youre me? Thats ridiculous. I filed a police report, Dc # XXXX
Product: Credit card

I have noticed a number of accounts being opened without my knowledge and I need to report the fraud. The accounts were opened through US BANK, XXXX  XXXX, and XXXX XXXX XXXX. The large amount of hard inquiries are negatively affecting my credit report and I need to get them removed. Thank you for your time.
Product: Credit reporting or other personal consumer reports

Complaint Details : 1. Product : Credit Reporting 2. Issue : Incorrect information following bankruptcy 3. Attempted Resolution : - all year 2024- USPS Mail and Email - None
Product: Credit reporting

Have tried several times to get my credit report to dispute inaccurate information but company refuses to provide online access.
Product: Money transfer, virtual currency, or money service

To whom it may concern, I was caught in a fraud of free shopping. I have attached a letter and evidence in the attachment, please take a look. I need your help to push the XXXX banks to cancel all the disputed transactions, and refund to me. 


Regards XXXX XXXX
Product: Money transfer, virtual currency, or money service

Experian is absolutely refusing to give me a receipt for the money I 've spent with them. I paid XXXX dollars for a credit freeze and they are refusing to write me a receipt. Thus comes directly from management. Their industry has let ALL of my personal information " slip. '' I have to sue XXXX  to get me money back. Experian either wo n't send me a receipt because they are trying to protect their industries money or because they are prejudicial against my XXXX heritage. Either way it is unscrupulous and purposeful.
Product: Money transfer, virtual currency, or money service

XXXX Friday XX/XX/XXXX at approximately XXXX I recevied an email notifcation that my acct was being accessed by a new device. It was not me, and so while I was calling the bank - I checked my mobile app and discovered that {$35000.00} had been withdrawn from my checking account. I was already on the phone to Chase so when they answered I explained that I was being robbed. They transferred me to Claims. I spoke with numerous people explaining that it was basically happening now - that somebody needed to look up my account and see what was happening. I received zero help. The following morning I went to my nearest Chase Branch, which is on XXXX XXXX in XXXX, NY. I explained to them what was happening- the withdrawal still said " pending ''. While I was there I discovered that it was an in person withdrawal which took place in XXXX XXXX, XXXX XXXX ( XXXX ) XXXX. The thief had used a fake id - and had ordered a replacement debit card- they withdrew {$7000.00} in cash and received a Bank check in the Amount of {$28000.00}. XXXX XXXX, Branch Manager in XXXX - informed me that only the XXXX XXXX could put a stop on the check, because only they had access to Check # ( Fraud Dept closed on weekends ). They have the address that they sent the replacement debit card to and a phone number. ( they also broke into my XXXX  and changed my phone number to theirs ) I spent hours in the bank, trying to get the XXXX branch on the phone, they never answered, my calls were directed to Chase Claims. I spoke first to XXXX Police, who visited me at the Bank, and they directed me to NY Police - I filed a report with the XXXX XXXX. I had XXXX patrolment visit my home on Saturday at XXXX. XXXX to the XXXX XXXX XXXXXXXX Monday XX/XX/XXXX, to discover that the check was successfully cashed - and also that the thief re-visited the bank on XXXX XX/XX/XXXX and withdrew another {$8000.00} from an account that I share with my ex husband. After all of my calls and frantic notice to Chase about what was happening they gave away another {$8000.00} in cash. To date, I have heard not one word from Chase Bank, all of my calls are met with tales of investigation but nobody will speak to me about said investigation. I have no idea when they will return my money or what they are doing to catch the thief.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not know XXXX XXXX XXXX company nor ever did business with this company. You have failed to provide me with a copy of any viable evidence, bearing my signature, showing this account is mine and being reported accurately. Upon challenging this account XXXX deleted this account based on the lack of ability to properly verify all reported information being accurate and verified. I noticed as A result of challenging this account with your company you have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the information you used to verify this account in writing. This is a clear FCRA violation. Date Open is wrong, Last reported is wrong, Date of Last Activity is wrong is a violation. Are you not practicing Metro 2 Compliance? If such documents can not be produced please DELETE this account from my credit report immediately! Please verify this account pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act by providing all the information below or delete 1. The name, address and phone number of each person you spoke with that varified this account or delete ; 2. Balance and all payment history I have supposedly submitted, what the payment is for or delete ; 3. Provide 1099c and credit insurance or delete ; 4. Provide original signed contracts with me and XXXX agreeing to their terms or delete ; 5. Provide payoff discllosures, interest rate disclosures ; 6. Provide collections ; license number and court documents that allow XXXX - to continue to pursue this debt in Florida or delete ; 7. Provide documents that states this account was purchased or are they collecting on the original account holders behalf or delete. Be aware that a printout of a bill or itemized dacument does not constitute verification.
Product: Debt collection

I purchased a treadmill from XXXX using their financing. By the time I received the payment instructions for the first payment, it was already late, but I sent it in. I tried to call and explain after they charged me a late fee, but customer service did not answer. It was COVID by this time. I kept, and continue to make, the monthly required amounts. But they keep racking up late fees on the late fees and I refuse to pay them because it was their fault. I have filed an online complaint with XXXX, but got no telephone call or response. TD Bank - their financial institutions they use for this apparently, calls and harasses me constantly. When I explain the problem, TD Bank say they can't do anything and puts me through to XXXX XXXX customer service. I waited 2 hours on hold and had to give up. I just tried again and it was a totally automated system with no operator to handle unique problems. This is completely ridiculous. I have an excellent credit score and always pay my bills. I have never filed a complaint with the CFPB before but feel this is the exact type of situation that needs to be addressed by the CFPB because I'm sure they just get other people to pay these fees and rack them up as additional, unearned compensation.
Product: Credit reporting or other personal consumer reports

Subject : False Reporting Dear Equifax, I hope this email finds you well. I am writing to express my deep concern and frustration regarding the false reporting of my credit information by your company. Despite my best efforts to resolve this matter amicably, the false reporting has had a significant negative impact on my creditworthiness and financial standing. 

You are continuing to report XXXX XXXXXXXX XXXX account as " open '' when this is a " closed account ''. I have sent in XXXX disputes requesting you to investigate this account ; however, your response continues to be " this account is verified as accurate '' Really? This account has been closed for YEARS!!! 

I believe that the false reporting has been caused due to negligence or intentional misconduct on the part of your company. These inaccuracies have resulted in severe consequences, including the denial of credit, higher interest rates, and financial hardship. I have taken all necessary steps to rectify this issue by disputing the false information with your company, to no avail. 

Based on the provisions of the Fair Credit Reporting Act ( FCRA ), I am hereby providing you with a formal notice of my intent to sue your company for the damages caused by the false reporting. The FCRA provides me with the right to seek legal recourse for violations of my rights as a consumer, including compensation for financial losses, emotional distress, and reputational damage. 

I kindly request that your company take immediate action to rectify the false reporting and provide me with a written confirmation of the corrections made. Additionally, I request that your company compensate me for the damages I have suffered, including any legal fees incurred during this process. 

Please be advised that I expect a written response from your company within [ reasonable time frame, e.g., 30 days ] from the date of this letter. This response should include details of the actions taken to rectify the false reporting and the compensation being offered for the damages suffered. 

I hope that we can resolve this matter amicably and without the need for litigation. However, please understand that I am prepared to pursue legal action to protect my rights and seek the compensation I believe I am entitled to. 

Delete this account for inaccurate reporting, false reporting and failure to investigate and provide supporting documentation of this alleged " open account. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files.

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 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. ) and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each accounts are100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) are unknown to me. Also, the information you provided on these accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on these accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX XXXX  Date Opened XX/XX/2021 Balance : {$150.00}, XXXX  Date Opened XX/XX/2021 Balance : {$150.00}, XXXX XXXX XXXX Date Opened XX/XX/2021 Balance : {$130.00},
Product: Credit reporting, credit repair services, or other personal consumer reports

My home was burglarized and my personal information was stolen along with other items from my home. I recently took a closer look at my credit report and noticed that a lot of applications has been created using my personal information that I was not aware of. I have told Transunion that I have been a victim of identity theft but the inquiries have not been removed.
Product: Checking or savings account

We have been effected by the XXXX  Data Breach that resulted in identity theft ( SSA Case # XXXX ). Since that time, we have had an extremely difficult time maintaining proper cashflow into our household. We have had several accounts frozen and an inability to get credit. 

This has resulted in Bank of America ( which was our only Account that was unaffected but this crime ) to be low on several occasions. 

Since, XX/XX/2018 when this started, Bank of America has charged us {$2400.00} in fees alone. This is outrageous and should be criminal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit card

I got a email from Bank of America credit someone was trying to purchase for XXXX dollars XXXX transfer XXXX XXXXXXXX I reply NO Got a phone call back. here are some phone XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX I talk to a guy He ask me for more informatiom I just wanted to resolve it. I ended gave my XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital Ones failure to deposit my direct deposit from my employer and any incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it is requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit card or prepaid card

On XX/XX/XXXX I did two money orders and the lady said it didn't go through so she told me to swipe again and it went through so on XX/XX/XXXX I got charged again for the same amount of the money orders and I've been trying to dispute these last two transactions from the XX/XX/XXXX and I keep getting hung up on or put on hold no one will answer why they took my money twice!!!
Product: Bank account or service

I 've had an account with HSBC for about XXXX years and in XXXX they began asking me for information to elaborate on my employment, and I have been ignoring their calls and letters because the request is irrelevant to my banking relationship with them. The letters and calls never explained why the information was needed. 
They noted that they have in their records that my title is listed as " XXXX '' and my employer as the " XXXX ''. They wanted to know XXXX of " what? '' and which agency within XXXX. I truly did n't see why this was necessary information, so I did n't respond, particularly while I was on vacation and dealing with more pressing personal matters. 
Their last letter said that they needed the info by XXXX XXXX or they would take action by freezing my ATM and internet banking access. So I went to the branch where I opened the account on the XXXX to see what motivated this threatening tone because no XXXX as of then had explained the magnitude of the need for my additional employment data. The customer service representative could n't give me a good reason on why this information was needed, so I asked him to look into it and get back to me. When he called me back later that afternoon, he still could n't give me a good reason but told me that he found my info online and submitted it to satisfy the request. The following morning, XXXX, my wife could n't use our debit card to make purchases. Saturday, XXXX XXXX, I 'm at a restaurant with my wife and XXXX twins, and my card is declined. I have no access to my funds. 
I returned to the retail branch on Monday the XXXX and demanded that they unfreeze mycards, which they did, and they continued to say they just needed some infofrom me which I continued to decline to give without an explanation. That night my internet banking was n't working and I again had to call customer service and was on the phone for an hour before no one was able to help, and had to return to the branch the next day to unfreeze my internet banking. 
No one was able to tell me why they had taken such drastic measures tohinder my access to my personal funds. I presume it was to get my attention just to know what my exact title is and what specific city agency I work for. Information that I believe is not necessary for my banking needs being that they already had my title as XXXX, and my understanding is that employment is not necessary to have a bank account. 
That night, XXXX XXXX, I receive a letter saying that they 're outright closing myaccount on XXXX XXXX with no explanation except citing their Rules ofDeposit Accounts authorizing them to close my account. 
I had to quickly open an account with another bank and reestablish my automatic direct payments and change my work pay direct deposit. 
This has been a total abuse of power, disrespectful, and obnoxious on theirpart, and I need to make sure they do n't just go on with their business asif nothing happened while they totally disrespected me and my family. I'vebeen an HSBC client for a long time and I ca n't believe it 's more importantfor them to do this than to respect my loyalty and risk losing me as aclient.
Product: Debt collection

On XX/XX/year> my credit scores dropped drastically due to a debt collection in the amount of {$7500.00} issued by XXXX XXXX XXXX. I never once had XXXX XXXX XXXX for any of their services. I called XXXX XXXX XXXX and spent hours on the phone with them and got nowhere because I had no account info as I had never had made an account to begin with. The debt collection agency is Credence Research Management, whom have a 1 star rating on XXXX due to stories similar to mine. I did not connect the debt collection agency in order to preserve my information. I called the credit bureau 's and refuted the collection the day it came in and voiced my frustration with the impact this has done to my credit. The debt collection agency never reached out to me, and now I seek to correct the situation and restore my credit status as I have been negatively impacted by an account I never made and considered late in payments for an account that is fake and not mine.
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 : XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number XXXX XXXX has violated my rights. Or 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: Mortgage

After doing a refinance, I received a deceptive mail piece. It looks like official paperwork. But it is a trick to get you to call semper home loans.
Product: Debt collection

After receiving several threatening letters from the Law Offices of Robert A. Schuerger, LPA, in addition to threats of lawsuit from one of their incompetent representatives after I demanded the proof of debt, I demanded to speak with a Supervisor. The Supervisor I spoke with was polite yet stated the debt was from a private loan from XXXX State University and promised to request the proof of debt from the University. 

Upon receipt of the " proof '' dated XX/XX/XXXX, it was clear the debt was not private, it was another government loan that had already been consolidated. 

The Law Offices of Robert A. Schuerger, LPA claim they are working on behalf of the Ohio Attorney General 's Office. Their practice should be penalized accordingly for false representation and for threats of lawsuits when asked for proof of debt as required by law.
Product: Debt collection

I came across a collection account on my credit report. When I contacted the collection company they told me it was an anesthesia bill for a XXXX I had the previous year. I told them I was unaware I owed anything but I would contact the original creditor. When I asked why they didn't give me time to dispute and why I was unaware of the bill they said they were mailing letters to my old address. I haven't lived there for about 5 years and the collection company never called or even checked the credit bureau for an updated address before placing the account in the credit bureaus. Had they called I would have taken care of it before sending it to the credit bureau. I called the original creditor and immediately made the payment. I sent the collection agency proof of payment and they were mad because I didn't pay them. They are now saying it's going to take 30-45 days to clean up my credit. This is very unfair as I didn't know I even had this debt. I want it removed immediately and not as a paid collection but removed as it if never happened. This lowered my score XXXX points and I have excellent credit.
Product: Credit reporting or other personal consumer reports

I understand that FCRA 605B requires us to delete any incorrect accounts from my credit report. Could you please examine the documents? Some of the listed accounts are inaccurate in terms of the reporting, with incorrect amounts and dates.