23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I DONT RECOGNIZE ANY OF THIS INQUIRIES ON MY CREDIT 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had negative status on several accounts that I was sure to be positive. 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. fix these accounts : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DUPLICATE!!!! 

First collection services has broken the law due to obtaining my non-public personal information. I XXXX XXXX has never done business with First collection services. First collection services is a nonaffiliated third party trying to collect an alleged charged off debt. You can not collect on a cancelled debt and if you do so it is in fact tax fraud. You're also furnishing this alleged debt on my consumer report. You do not have permissible purpose to do so being that the alleged debt was in fact purchased and you do not have my consent to furnish anything on my consumer report.
Product: Consumer Loan

Nissan Motor Acceptance Corporation continues to harass my family. They call my parents and my siblings numerous times a day and also disclose my personal information to them. I have asked them to stop calling my relatives, as I do not live with them and they have the number to reach me directly. They continue to harass them waking my parents up late at night and harassing my brother as well. I live in a completely different state than my family and I do not want them to continue to harass them.
Product: Credit reporting, credit repair services, or other personal consumer reports

The consumer submitted CFPB Complaint XXXX through CFPB portal on XX/XX/2020 to Equifax that public record is reporting inaccurately across all three bureaus and provided evidence. Equifax responded to CFPB complaint XXXX on XX/XX/2020 stating that Equifax mailed results of an investigation and claimed that these investigation results should fix my credit issue. The public record is still being reporting inaccurately on credit report across all three bureaus. Equifax states that this is how the public record is reporting on credit report : US BANKRUPTCY COURT XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ( XXXX ) XXXX. However, on the credit report Equifax still reports public record with inaccurate court name US DISTRICT CT as of XX/XX/2020. ( Submitted comparison of how public record is reporting across three bureaus in a word document ). Equifax keeps stating in every CFPB Complaint that they are identifying their information with the data furnisher but the Fair Credit Reporting Act states that Credit Reporting Agencies should be conducting their own independent investigation. " 15 U.S. Code 1681 ( e ) ( b ) states " a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about who the report relates ''. Equifax is not following reasonable procedures to assure accuracy of the public record that they continue to report inaccurately on credit report. I have provided factual based information in this CFPB complaint. In order to report a public record on a consumer 's credit report it must be reporting 100 % accurately and the same across all three bureaus. If it is not reporting 100 % accurately and the same across all three bureaus the public record must deleted for reporting inaccurately across all three bureaus via the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On XX/XX/XXXX I noticed ( 2 ) transactions on one of my Banco Popular de Puerto Rico ( BPPR ) accounts that were not authorized by me. I immediately called BPPR and reported the issue with Ms. XXXX XXXX from the Fraud Department. Ms. XXXX informed me that the first transaction was made XX/XX/XXXX for {$480.00} at an ATM inside XXXX XXXX XXXX in XXXX and on XX/XX/XXXX a second transaction was made in XXXX XXXX XXXX in XXXX for {$2100.00}. My account was left with XXXX cents. At the time I was speaking with Ms. XXXX the two transactions were still pending and Ms. XXXX told me that the money wasn't available to me but that the payment to XXXX XXXX XXXX XXXX XXXX been made yet. On that same day Ms. XXXX proceeded to send me an email with several items including an Unauthorized Use Declaration, al letter which stated, among other things that a provisional credit would be credited to my account while an investigation was conducted. It is important to note that the provisional credit never occurred. I filled up all documents solicited by Ms. XXXX and complied with all of BPPR requirements and was told that the investigation would take 30 days. 

On XX/XX/XXXX, I received a letter from BPPR which basically stated that According to the Commercial Deposit Account Agreement I will be responsible for all debit transactions at automatic teller machine and for purchases using my ATM card and or XXXX XXXX XXXX card, until the time you have notify them the loss, theft of unauthorized use of the card. Please refer to section III.C. of the Commercial Deposit Accounts Agreement. 

I have several problems with this statement : The card that was used to make the unauthorized transactions wasnt mine, my card was hand delivered to BPPR XXXX XXXX, the very next day, as instructed in the documents sent by Ms. XXXX on the XX/XX/XXXX email. It is evident that the unauthorized transactions were made with a copy of my card, not with mine. 
Did it take 30 days to send me a letter? I respectfully ask myself this question. If possible, I would like to know what type of investigation was performed. What items were purchased? Do they have pictures of the person that made the unauthorized transactions? 
I would like to know what are BPPRs policies to protect the customers. What are the internal controls to protect the customer of this type of risk, which is a common occurrence in Puerto Rico and a red flag for regulatory agencies. 
After a customer is a victim of this type of fraud, which the customer has no control to guarantee that he would be 100 % protected, what are BPPRs requirements and/or protocols to validate that the card that was used in the unauthorized transactions belongs to the customer and that no copies where made, to protect the customers of this type of fraud. 
If XXXX XXXX XXXX in XXXX had asked for an identification to validate that the person making the purchase was the owner of the card, the fraud would have been avoided. 
I hope this information was useful and hope that BPPR reconsiders and credit my account with the total amount of the unauthorized transactions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Request for Removal of Fraudulent Late Payment Due to Identity Theft Please Remove Late Payment Account XXXX XXXX Account Number : XXXX Date of late payment : XX/XX/XXXX Account opened XX/XX/XXXX Dear, XXXX I am writing to formally dispute a late payment that has been inaccurately reported on my credit file due to identity theft. The late payment in question is associated with the account [ XXXX ] and occurred on [ XX/XX/XXXX ]. 

I did not authorize the use of my personal information for this account, and I have taken steps to report this identity theft to the necessary authorities. Enclosed, you will find a copy of my police report, FTC Identity Theft Report, and any other documentation to support my claim of identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate deletion of this fraudulent late payment from my credit report. This late payment has negatively impacted my credit, and I trust that your investigation will confirm that this was not a transaction I made or authorized. According to 15USC CODE 1681 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a ). 

Please confirm in writing that this item has been removed from my credit report. Should you require any further information, feel free to contact me at the phone number or email provided above. 

Thank you for your time and prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On the dates described below unauthorized charges were charged to my Chase checking account originating from a game associated with my XXXX play account : XXXX. XX/XX/year> - {$4.00} XXXX. XX/XX/year> - {$2.00} XXXX. XX/XX/year> - {$15.00} XXXX. XX/XX/year> - {$10.00} XXXX. XX/XX/year> - {$27.00} XXXX. XX/XX/year> - {$5.00} XXXX. XX/XX/year> - {$51.00} XXXX. XX/XX/year> - {$17.00} XXXX. XX/XX/year> - {$17.00} XXXX. XX/XX/year> - {$7.00} XXXX. XX/XX/year> - {$23.00} XXXX. XX/XX/year> - {$31.00} XXXX. XX/XX/year> - {$23.00} XXXX. XX/XX/year> - {$7.00} XXXX. XX/XX/year> - {$11.00} XXXX. XX/XX/year> - {$10.00} XXXX. XX/XX/year> - {$7.00} XXXX. XX/XX/year> - {$7.00} XXXX. XX/XX/year> - {$13.00} XXXX. XX/XX/year> - {$15.00} XXXX. XX/XX/year> - {$19.00} XXXX. XX/XX/year> - {$17.00} XXXX. XX/XX/year> - {$21.00} XXXX. XX/XX/year> - {$21.00} XXXX. XX/XX/year> - {$19.00} XXXX. XX/XX/year> - {$27.00} XXXX. XX/XX/year> - {$27.00} XXXX. XX/XX/year> - {$27.00} XXXX. XX/XX/year> - {$21.00} XXXX. XX/XX/year> - {$22.00} XXXX. XX/XX/year> - {$22.00} XXXX. XX/XX/year> - {$35.00} XXXX. XX/XX/year> - {$29.00} XXXX. XX/XX/year> - {$29.00} XXXX. XX/XX/year> - {$34.00} XXXX. XX/XX/year> - {$35.00} XXXX. XX/XX/year> - {$35.00} XXXX. XX/XX/year> - {$35.00} XXXX. XX/XX/year> - {$35.00} XXXX. XX/XX/year> - {$35.00} XXXX. XX/XX/year> - {$35.00} XXXX. XX/XX/year> - {$22.00} XXXX. XX/XX/year> - {$32.00} XXXX. XX/XX/year> - {$34.00} XXXX. XX/XX/year> - {$34.00} XXXX. XX/XX/year> - {$65.00} XXXX. XX/XX/year> - {$23.00} XXXX. XX/XX/year> - {$35.00} XXXX. XX/XX/year> - {$35.00} XXXX. XX/XX/year> - {$35.00} XXXX. XX/XX/year> - {$35.00} XXXX. XX/XX/year> - {$65.00} XXXX. XX/XX/year> - {$65.00} XXXX. XX/XX/year> - {$4.00} XXXX. XX/XX/year> - {$65.00} Once I realized, I immediately inquired with the merchant and advised that such charges were fraudulently withdrawn from my account. They conducted an internal investigation and baffling enough they declined the request to reverse such charges for services I never requested nor rendered. I then inquired with XXXX, explained the situation and they too declined the request. Lastly, I went to Chase, an institution I've had a long standing relationship with and egregiously enough they too refused to remedy the situation. This goes against all consumer rights ( 18USC1028, CFPA, etc. ) and has led me here in hopes of getting a resolution.
Product: Credit reporting or other personal consumer reports

This account ( XXXX XXXX XXXX XXXX Account Number : XXXX ) was charged off on the following date : XX/XX/2022. Since then the date of last activity has been inconsistently updated. On Experian the date last active is XX/XX/2022 and on XXXX its XX/XX/2022. If the information is coming from the original creditor the dates should be the same. We can not say that these are 100 % accurate so it is deemed INACCURATE. Please delete these accounts from my report.
Product: Credit card or prepaid card

I was issued a Chase Southwest credit card. Four fraudulent withdrawals from ATMs after my wallet was stolen from a golf course. After I submitted the requested police reports the fraud department denied my claim. They have so far refused to explain why or offer an appeal.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XX/XX/year> XXXXConsumer Financial Protection Bureau ( CFPB ) ** XXXX XXXX XXXX Washington XXXX XXXX XXXX **Re : Dispute Resolution - Removal of Unverifiable Account from XXXX XXXX XXXX Dear Sir or Madam, I am writing to inform you of the successful dispute and removal of a {$5300.00} XXXX XXXX  charge-off account from my XXXX secondary credit report. The account was deleted as a result of the investigation conducted on XX/XX/year>. 

It is my understanding that XXXX has verified the account as unverifiable and has accordingly removed it from my XXXX report. I am requesting that the same action be taken by all other credit reporting agencies ( CRAs ), including Equifax, XXXX, and XXXX. Given that the account has now been deleted from XXXX, it is my right to have it removed from all other credit reports as well. 

As a consumer, I am protected under the **Fair Credit Reporting Act ( FCRA ) **, which mandates that all information on my credit report must be accurate, complete, and verifiable. The FCRA, specifically **Section 1681i**, gives me the right to dispute any inaccurate or unverifiable information, and once an item has been disputed and deemed unverifiable, the CRA must remove the account from my report. 

I request that you take immediate action to remove the unverifiable {$5300.00} XXXX XXXX  charge-off from my credit report within **30 days** or less, as required by the **Fair Credit Reporting Act**. If this account remains on my credit report past the 30-day window, I will consider this a violation of my rights under the FCRA, which could lead to further legal action.

Furthermore, under the **Fair Debt Collection Practices Act ( FDCPA ) **, I am entitled to protection from any attempt to collect on unverifiable or improperly reported debts. If you fail to remove this account within the legal timeframe, I may have grounds to file a complaint with the CFPB and/or pursue legal action for any damages I may suffer as a result of inaccurate or unverifiable information remaining on my credit report.

Please confirm in writing that the unverifiable account has been removed, or inform me of any further steps required to ensure its deletion.

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, **XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of lending and I have a pending litigation with XXXX for not properly investigating. As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ).
Product: Credit card

XXXX online charges were determined fraud on XXXX acct ( shipped to XXXX  ( I live in XXXX ) ). The account was closed by the consumer ( myself ). The balance was determined to be XXXX. Months later a third charge from the same order was added, including interest and late fees. I called citi/ XXXX to dispute the charge. They wxplained it was still fraud and I was not responsible but It is being reported as derogatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted finance of America numerous times about my two mortgages with them. Informed them the credit report states I owe $ 200ish and confirmed I do not owe them any outstanding balance. 

My report continues to show account is delinquent. I have called as well as initiated email threads confirming I do not have a balance and the loan has been sold. However, my credit report and score are perpetually impacted. 

As of now the lenders have informed me they forgot to wire excess funds nearly {$6000.00} to my transfer lender. 

I do not owe finance of America anything and may have double paid them which they are looking to reimburse. Please have this removed from my account ASAP. I am in the process of purchasing more property and this affects my loan process heavily.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I currently bank with Bank of America. On XX/XX/XXXX my phone and wallet were stolen. On the morning of XX/XX/XXXX I called to inform the bank to freeze all accounts due to this. 
On XX/XX/XXXX, I received notification that roughly {$24000.00} worth of fraud had occurred on my account. Since then, I have filed 7 different claims, all which 1 has been resolved. 

Claim # XXXX was denied in the amount of {$7000.00}. This money was sent via XXXX to an unauthorized account that I have no prior relationship with. I have requested multiple times for the documentation used to come to this conclusion, and have yet to receive a response. I also have been given 4 different fax numbers and now 3 emails to send the police report, phone logs, and countless information/documentation too, all of which I have been told has not been received. I would like to add that I used a Bank of America Banking center to do all my faxes.

I was able to open this claim back up, and now am at the mercy of Bank of America because I keep getting told different things.
Product: Checking or savings account

In XXXX XXXX  I discovered and promptly reported several unauthorized transactions to the company, which were all with the same merchant ( XXXX ). The company properly handled the disputes on those transactions and promptly issued credit back to my account. At the time, I did not know how those transactions were able to occur, however I have since learned more details and now believe I understand what happened. What Ive learned is that earlier this year someone stolen an old XXXX I had sent back to XXXX as part of a warranty exchange. This happened while the device was being handled by XXXX. Whoever stole that device was able to gain access to it and has been able to charge transactions with the merchant to my account with the company, including some that have and continue to happen after I reported the initial transactions to the company. 

After learning this, I discovered there were additional unauthorized transactions with the merchant charged to my account with the company, so I also reported them as fraudulent. What Ive learned is that this new batch of transactions is the merchants attempt to rebill me for the transactions I reported back in XXXX. At the time that I reported those transactions, the company assured me that they had deactivated my debit card which would stop any further transactions from happening. Unfortunately that is not true, as transactions continue to be processed by the merchant up to and including today. So the first issue that needs to be resolved, is that the company needs to STOP allowing this merchant to continue to re-charge me for those unauthorized transactions. 

The second issue is that the company has denied the disputes on the second set of transactions. In their denial, they claim that the transactions are in line my my purchase history with the merchant, however the purchase history they referred to is the previously disputed transactions, which the company found in my favor for.