23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/year> A credit card was opened using my information. The information on the account used an address where I have never lived nor traveled to state. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I contacted the company that issued the credit card Bank of America and nothing could be found. The company did not contact me about the investigation and its still reporting in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my consumer report, I noticed an account that has late payments that I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. I have never been late on payments for account XXXX XXXX XXXX  XXXX. 

Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, then I demand these payments be updated on time as they should be as I was NEVER late. 

Thank You
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 XXXX  Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

My Personal Sworn Statement & Declaration : I declare that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18ll U.S.C 1621. 

The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. 
I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. 

I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained. 

I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. 



FOR SECURITY I HAVE ATTACHED MY IDENTIFICATION ON ANOTHER PAGE
Product: Mortgage

To whom it may concern, I would like to initiate a claim against Bank of America Home Loans XXXX contact XXXX XXXX XXXX XXXX XXXX XXXX Manager ) for the following reason : - I refinanced a mortgage loan with Bank of America Home Loans XXXX 
- As requested several times, Bank of America Home Loans failed to effectively work with the title company and I didnt receive the XXXX until it was presented to me by the Tittle Officer at closing. 
- I will submit proof to this agency supporting my claim. 
- ( I have saved ALL emails / communications with Bank of America Home Loans, should these be required as part of your investigation ). 
Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Was released from the hospital on XX/XX/XXXX contacted Chase JP Morgan via phone to pay bill spoke to a rep she took my information and stated she was gon na take care of my payment notice a few days later the payment wasn't taken out of my account to learn she didn't process the payment that cause my account to be one time 30 day late on all 3 credit bureaus.
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation. 

On XX/XX/2024, I wrote to you requesting an investigation into items that I believed were furnished without my knowledge and without my permission .To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I am now demanding for removal Since this is my THIRD, request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. 
Please see my reasons for dispute below : 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 experian All these accounts are also in violation of The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports.I never gave neither party any written signature that allows for these to be furnished upon my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union continues to report a fraudulent account and various inquiries I have not authorized. I have already placed a fraud alert on my credit files but it has not stopped someone from applying for credit. I have supplied Trans Union with an identity theft affidavit, as well as, a letter requesting the fraudulent information be removed. Trans Union has not acknowledged my concerns or handled my dispute properly. I AM A VICTIM OF IDENTITY THEFT. This matter should not be handled by the E-OSCAR system. This fraudulent account and these fraudulent inquiries need to be removed immediately.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXX XXXX reported XX/XX/year> 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter by certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX  XXXX XXXX Date Opened : XX/XX/2018 Balance : {$14000.00}, XXXX XXXX  XXXX XXXX Date Opened : XX/XX/2018 Balance : {$14000.00}. 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. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... 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 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. These 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 a are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, and XXXX ignored my opt notice on XX/XX/XXXX. Transunion, XXXX, and XXXX have refused to remove unauthorized inquiries, collections, and late payments from my credit report. All credit/consumer reports are to be uniform and accurate in reporting. My consumer reports for Transunion, XXXX, and XXXX are neither. 

The Privacy Act of 1974, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual.

15 USC 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; LATE PAYMENTS and CREDIT UTILIZATION AMOUNTS AND PERCENTAGES, AND BANKRUPTCIES are all, in fact, transactions and experiences between the consumer and the person making the report as explained in the US Code provided above, and are, therefore are being inaccurately and unlawfully reported within my consumer report.

This complaint is also a notice of arbitration. I am only submitting this complaint as the arbitration instructions state I must resolve my issue before moving forward with arbitration. I've attempted to resolve these issues on multiple occasions. Im ready, willing, and fully prepared to move forward with the arbitration process against Transunion, XXXX, and XXXX. 

I've uploaded all relevant documents.
Product: Checking or savings account

Online wire transfer from my Wells Fargo bank located here in XXXX XXXX Tx, to XXXXXXXX XXXX XXXX but I cant have my money back! I need help recovering my money back
Product: Credit reporting or other personal consumer reports

Subject : Request for Trafficking Victims ' Block on Consumer Reporting Agencies Date : XX/XX/year> Dear Sir/Madam, I am writing to formally request the blocking of certain information pertaining to my trafficking victim status from my credit report. The details listed below, which are currently appearing on my credit report, are directly linked to my trafficking experience. 

- XXXX XXXX # XXXX - XXXX  XXXX # XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I kindly request that you proceed with the blocking of this information from my credit report within a period of XXXX business days, in accordance with Section 605C of the Fair Credit Reporting Act. Additionally, I would appreciate it if you could provide a formal notification regarding the actions taken to address this matter promptly. 

I am grateful for your prompt attention to this request. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Arkansas XXXX XXXX XXXX XXXX
Product: Debt collection

I was contacted by someone over the phone claiming they were going to sue me for committing fraud over a debt I used to have ( and have paid off ). He said that they would settle it outside of court for {$1800.00}, I told them no, and they put me on hold and came back saying they could do it for {$1200.00}. 

When I asked for it all in writing and proof they are legitimate, He got very angry and said he would not give anything in writing until I had agreed to pay this off over the phone. He then said the only way to pay it off is over the phone. I again said no, because it sounds like a scam, and he followed up saying that he would deliver the court papers to my address ( which he had an old address ) and proceeded to get angrier with every bit of information I was trying to gather to see if it was even legitimate. 

I have proof that I paid off this debt.
Product: Credit reporting or other personal consumer reports

Inquires and accounts are showing on my credit report that shouldnt!! I Know my laws under the FCRA law and iam outraged delete these things from my report now
Product: Debt collection

On XXXX XXXX, I logged into to my account with XXXX XXXX and noticed that my score had dropped significantly. When I clicked on the factor it showed that there had been an account turned in to collections. The said account was for a pay day loan from a company called XXXX XXXX XXXX, and was turned over to Midwest Recovery Solutions, who had turned the account over to collections. I have never heard of XXXX XXXX XXXX and do not have pay day loans. I have received no written correspondence of any kind from either company. The first I 've heard of both companies was when I saw their names on my credit report. I have filed a direct dispute with them through XXXX XXXX, but I felt that I should also file a complaint.
Product: Money transfer, virtual currency, or money service

Recently cashapp decided to randomly close my account claiming i violated the terms and conditions and when i asked support how i did so they just refused to give me a response and said they practice their right to keep this information closed. I had over 5k in my account when they decided to close it and they instructed me to simply add a new debit card or bank to cash out my remaining funds mind you the previous card i had on it was taken off because i lost it. The app wont allow me to add any sort of new banking information and Ive sent countless emails to support for days on end with no response to help me with this problem but support replied to my email regarding my closed account immediately to tell me to go XXXX myself. This company and their support are a joke and dont care about the consumer or how much money they could possibly lose. Im almost certain they closed it due to a large deposit made into my account that was from my unemployment and now i cant use any of the money that was given to me.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end 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 21 days before the payment due date. 


XXXX XXXX XXXX CO Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Student loan

My loan balance continues to grow from high interest and additional charges added to my principal balance.
Product: Credit reporting or other personal consumer reports

This company is reporting as a collection on my credit report as a hospital bill when I have always had insurance im a nurse and I don't have any outstanding balances with any medical facility or hospital. I have requested multiple times for proof of this debt that I owe it so I can pay it if it in fact is mine and they fail to provide me with any documentation or anything. Please have them remove this from my credit report as it is hurting my scores and I am in middle of trying to purchase a home and this is causing me to have a subprime interest rate. Please help! Thank you!
Product: Credit reporting or other personal consumer reports

I was a victim of a robbery a year or so ago. Unfortunately, when they took my money, phone, and wallet, they decided to take my identity. I've been battling with the Credit reporting agencies for months in an attempt for them to block the information from my consumer report.
Product: Checking or savings account

My chase account was closed abruptly for not giving any card information to confirm Identity but I never received a card to my address. After notifying the customer service about this they said they were gon na close my account because it wasnt me and I verified it was my identity through Drivers License and email and everything yet they still closed it and didnt send me the funds in my account. After asking several times and calling to complain nothing was resolved, dates are in XXXX and XXXX of XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ). Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card account opened at XXXX XXXXXXXX on XX/XX/XXXX under the account number ( XXXX ), an auto loan account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ), and a personal loan account opened at XXXXXXXX XXXX XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ) an XXXX was leased at XXXX XXXX XXXX XXXX XXXX )
Product: Credit reporting or other personal consumer reports

I thought the economy was bad, but after looking at my credit report it is clear which is way worse all I see are inaccurate information which is causing me immense stress. I want to uphold my rights as a consumer, it is so XXXX  that I have to go through all this and I wouldnt even be able to afford a psychiatrist for that because my cards will just get declined due to my credit score being low with all these wrong information.
Product: Checking or savings account

Thursday, XX/XX/year> I realized that my direct deposit had not posted. Sometimes, but rarely it will post Friday instead. I assumed this might be one of those times. When logging into my app, it said that the XXXX XXXX app was experiencing technical difficulties, but I still had the ability to log in, view balances and move money. 

Around XXXX, the same day, I realized that my direct deposit had not posted and the error message was still showing. I happen to be scrolling social media, searched news outlets for articles to discover this had been going on since Wednesday, XX/XX/year>, without any update from XXXX XXXX. I call customer service and they say a third party vendor technical issue is why I haven't received my direct deposit. I asked who is the vendor and what will be done because this is unacceptable. I have bills to pay. The rep only stated that it will be rectified by later that evening of XX/XX/XXXX through Friday XX/XX/year>. As of XXXX XXXX, I still have not received my direct deposit. I haven't been very focused at work. I just started school and my funds were also supposed to be disbursed to this account. I have been extremely stressed because essential things to my everyday life that need to be handled via my finances. I have autodrafts for repayments that are not going through because of this. This is unacceptable and XXXX XXXX 's lack of transparency, the response and behavior of their employees, not keeping customers informed and how this situation is being handled overall is unacceptable.