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

This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT. That you did not verified as required by law on my consumer report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer. ( 3 ) information regarding inquiries ; except as provided in section 1681g ( a ) ( 5 ) of this title.

The following inquiries were not initiated by me and are a result of identity theft. 

EXPERIAN BUSINESS CREDIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, Equifax, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing for XXXX ( XXXX ) reasons : XXXX. To dispute certain information in my credit file ; and XXXX. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( XXXX ) I dispute are listed below and are inaccurate orincomplete. I am requesting that the item be XXXX correct the information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Product: Credit card

I lost my credit debit card and unauthorized charges where submitted to my account. 

XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

A default judgment filed against me which was for XXXX from XXXX XXXX. The credit bureau shows a delinquent amount of XXXX with XXXX XXXX which differs significantly with the court ordered amount. On XX/XX/XXXX I spoke with XXXX I. with Mandrich Law Furm and was offered a settlement for XXXX to close the account due to a financial hardship caused by child support. I called in on XX/XX/XXXX to follow up on the settlement and was told the would not honor it and that I needed to pay the balance in full. We are in the middle of a pandemic and I called in good faith to resolve the account. I would like to get the offer in writing that is reasonable and affordable due to my financial hardship, so that I can resolve the account without being told different figures every time I call.
Product: Mortgage

This information is regarding complaint XXXX and the response from Bank of America claiming that they did not committ prejury and Fraud. I have attached XXXX pages that show that itself is a lie.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and discovered several inaccuracies that are being reported in error, which is a clear violation of the Fair Credit Reporting Act ( FCRA ). Specifically : Accounts Reported in Error : Accounts such as those from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX are inaccurately listed. These accounts do not belong to me and are incorrect, misleading, and inaccurate. 
According to FCRA Section 623 ( 15 U.S.C. 1681s-2 ( b ) ), creditors must cease reporting disputed accounts unless they can provide definitive proof that the accounts are accurate and belong to me.

Unauthorized or Misreported Hard Inquiries : Inquiries from entities such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are appearing on my report without proper verification. 
Under 15 U.S.C. 1681b, hard inquiries must be authorized by the consumer. I have not authorized these inquiries, and no evidence has been provided to confirm their legitimacy.

Violation of FCRA Reinvestigation Requirements : As per 15 U.S.C. 1681i ( a ), credit reporting agencies are required to investigate disputes within 30 days. Failure to properly investigate and verify these items or to remove unverifiable or inaccurate entries constitutes a breach of the law. 
Request for Resolution : I have demanded the immediate reinvestigation of these accounts and inquiries, with the expectation that any unverifiable or inaccurate information will be removed from my credit report.

Additionally, I have requested an updated credit report and that notices of corrections be sent to any entity that received my report in the past six months, as required under 15 U.S.C. 1681i ( d ).

In summary, my credit report contains multiple errors, including inaccurate accounts and unauthorized inquiries, which violate my rights under the FCRA. I am seeking timely resolution, including the removal of these items, as mandated by law.
Product: Credit card

Somebody applied for XXXX XXXXXXXX XXXX card from Bank of America on my behalf without my knowledge. I got a message from the bank that the card has been approved and will be mailed to me and I called the bank to let them know that I did not apply for any card.
Product: Credit reporting, credit repair services, or other personal consumer reports

OVER THE YEARS, THERE WERE MULTIPLE PROBLEMS WITH MY CREDIT REPORT. SO I HAD 2 BIG ISSUES I WANTED ADDRESS AND A FEW OTHER ISSUES. BECAUSE OF THE WAY THEY MISHANDLED MY DISPUTE INVESTIGATIONS IN THE PAST, THE ACCOUNTS, INQUIRIES, AND PERSONAL INFORMATION I CHALLENGE EQUIFAX TO DISPUTE FOR ACCURACY AND VALDATION AND VERIFICATION. THE SECOND MAJOR ISSUE WAS IF THEY CAME BACK VERIFIED, THAT I WANTED A DETAILED METHOD OF VERIFCATION AND I ALSO REQUESTED IF VERIFIED TO GIVE ME THE DOCUMENTS THAT I REQUESTED. I HAVE MAIL IN DISPUTES AND THEY SAID THEY DIDNT RECIEVE IT. ITS ALWAYS A EMPLOYEE FROM XXXX AND THEY DISREGARD ANYTHING YOU SAY. 1. I DISPUTED INQUIRIES FROM EQUIFAX AND TOLD THEM THAT I DIDNT AUTHORIZED THESE INQUIRIES. THEY SENT ME BACK A LETTER SAYING INQUIRY IS A STATEMENT OF FACT. SO I CALL THEM BACK AND WROTE THEM ASKING THEM TO DISPUTE THE INQUIRIES AND THEY SAID THEY ARE NOT DOING IT. 2. 3 BANKRUPTCIES THAT I ASK TO DISPUTE FOR ACCURACY AND I ASK FOR FULL DETAILS OF THEBANKRUPTCY INCLUDING THE PAPERS THAT WERE FILE, AND THE METHOD THEY VERIFED. THEY DID NOT GIVE ME THAT INFORMATION BACK IN 30 DAYS SO THEREFORE BY FCRA LAW, IT MUST BE DELETED. THEY ALSO SENT A LETTER BACK ONLY SAYING VERIFIED. 3. I DISPUTED XXXX XXXX XXXX XXXX XXXX XXXX FOR ACCURACY AND THEY ARE ALSO IDENTITY THEFT. I FILE A IDENTITY THEFT REPORT ON THESE ITEMS ON X/X/17. FIRST THEY TELL ME THEY AINT RECIEVE THE DOCUMENTS. NOT BY FAX OR EMAIL. I EVEN HAVE A EMAIL CASE # FROM THEM BUT THE XXXX EMPLOYEES SAY THEY HAVE NO CLUE WHAT IM TALKING ABOUT. 4. XXXX XXXX ACCOUNT. I DISPUTED THE LATE PAYMENTS ON THE ACCOUNT. ACCORDING TO THE FCBA IF I MOVE THAT THE MUST SEND THE STATEMENTS TO MY NEW ADDRESS. ALSO IT IS IN DEFERR STATUS AND I ALWAYS KEEP MY DEFERR STATUS UPDATED. EQUIFX DIDNT EVEN FOLLOW THE DISPUTES THAT I REQUESTED. XXXX ALSO DID THE SAME STUFF. ALSO XXXX. BUT XXXX  HASNT RECIEVE MY IDENTITY THFT REPORT YET, BECAUSE THE ONLY WAY THEY CAN RECIEVE IT IS THRU MAIL.
Product: Money transfer, virtual currency, or money service

So I started getting text messages from XXXX XXXX saying that my card has been locked and unlocked over and over again. And when I called customer service. I'm informed them that a card ending in XXXX was being used. She advised me that. My phone number was attached to this account. But it was not my name. She said the name was XXXX, but could not give me any more information because Even though I had my number associated with the account. She could still not give me information because it was not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to Covid -19 I asked my auto lender XXXX XXXX XXXX for a 2 month reprieve from monthly payments ( XXXX & XX/XX/2020 ) as I was just laid off. Payments were to begin XX/XX/2020. XXXX XXXX XXXX made the arrangements and stated to me that my account was on hold for the following 2 months. 

I recently had my credit pulled and noticed a late payment date of XX/XX/2020 for my XXXX XXXX XXXX loan. XXXX XXXX XXXX refuses to remove the incorrect late that they placed on all 3 of my credit bureau profiles.
Product: Credit card or prepaid card

On XX/XX/XXXX, I was using my TD Credit Card at the XXXX XXXX  in XXXX NH when it declined. I immediately called TD Card Services ( @ XXXX ) and first learned of suspicious activity on this card that occurred on XX/XX/XXXX and learned TD Card Services closed my account due to it. I was asked if I made two identical purchases through XXXX on XX/XX/XXXX ( each charge was {$450.00} ) and another purchase that same day, all of which I did not make nor did I authorize, which is exactly what I told the TD Card Services representative. I was told not to worry, the account was closed, it would get investigated and they would send out a new card. On XX/XX/XXXX TD Card Services re-applied one charge to my credit card in the amount of {$450.00} from XXXX. A supervisor at TD Card Services DisputesCenter said they ruled in favor of XXXX because the tracking number did in fact show the package was delivered in or at my mailbox and the IP Address ( XXXX ) came from my town of XXXX NH. The supervisor gave me the tracking number ( XXXX ), the XXXX order number ( XXXX ), the IP Address and the item purchased, a stand-up desk with dual motors XXXX I went to my local USPS and asked for a print out of this package using the above tracking number. I was told the weight of this package was only 0.5 ounces ( the size of a letter ) and was put in my mailbox, assumingly as junk mail. This package originated from XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX California XXXX, which belongs to XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the shipping partner is XXXX XXXX. Not to mention, USPS ships smaller handheld packages and they have strict weight and size restrictions. Although I can not find any info on the desk listed in the papers sent to me from the TD Card Services Investigation Department, I think I can assume it would be too big for the USPS to even ship. I then called XXXX and asked about order # XXXX and a supervisor informed me they never use letters in their orders. In reviewing the papers sent to me by TD Card Services Investigation Dept, " The Merchant '' listed is XXXX XXXX. When I XXXX XXXX XXXX the first reported fraud case was XX/XX/XXXX, and there have been several that followed. It is not at all a merchant. As for the IP address, it is not mine, I have no idea who it belongs to and I have no association at all with it. I did file a police report with the XXXX XXXX and submitted all this info to the FBI. This has so many red flags and I feel it was never investigated. I have faxed, mailed, and made several phone calls with this info to TD Card Services Disputes Center but I am getting nowhere. I visited 2 XXXX TD Bank locations and spoke to customer service and still got nowhere. Enclosed you will find 2 different tracking reports from the USPS, 4 pages from TD Card Services Investigation dept., a police report, and fraud info on XXXX XXXX. I would like to mention this card was and always has been in my possession only. 
Thank you for your time in this matter. 
Sincerely, XXXX XXXX
Product: Checking or savings account

So I was trying to explain to them that I had enough funds in my account to make the purchase for the dog food. I made the purchase for the dog food. However, I was {$.00} short so literally hour and XXXX  minutes later after the purchase, I went to the ATM, because previously Wells Fargo has told me that all Cash deposits are immediately processed and made available to the account so I went ahead and took XXXX XXXX  to the atm and made the deposit Which should have took me out of the overdraft. But this morning, I woke up and seen that I am - {$44.00} and some change because they pushed back the date on when I had made my cash deposit which is violations of their rules and regulations if cash deposits are supposed to be processed and made available immediately
Product: Credit reporting or other personal consumer reports

I am writing concerning my credit report, which contains inaccuracies requiring your attention. The basis for my dispute is the lack of sufficient information provided by your agency to verify the debt in question. Both XXXX and XXXX, other credit bureaus, have already rectified the inaccuracies in this account from their records due to identified errors. I am perplexed as to how your agency has verified this account while the other bureaus have updated it. Therefore, I request that you correct this account in my credit file as they are inaccurate, erroneous, incomplete, or unverifiable. Specifically, I dispute this account : XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

XX/XX/year> I sent a affidavit of truth for violations of the truth in lending act and 15 usc 1635 right to rescission of the contract, and failed to go by the tila.
Product: Debt collection

I had an account and went away for the weekend and my account was hacked and charged. My bank spoke w the company and the transactions were cancelled and the case was dropped but this debt collection agency bought the debt w out my consent and is now trying to blackmail me into paying it while holding my credit score hostage by lowering my scores. Please remove Caine and Weiner from my credit profile as I no idea who this company is and have never entered into any type of agreement with this company. Please have the company provide a mutually agreed upon contract or remove this from my credit report. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX when I was married, we opened an account with XXXX XXXX. We both used the card up until our separation which was in XXXX of XXXX. XX/XX/XXXX we filed for divorce, and it was granted on XX/XX/XXXX. With a mediator on XX/XX/XXXX it was determined that my wife would keep the XXXX XXXX  account ( XXXX XXXX XXXX XXXX ), as a soul card holder in the distribution of assets. However, in XXXX my ex-wife reactivated the XXXX XXXX account, without informing them of the divorce. She was granted a new Mastercard account with them, based off the old information that they had. She had her name changed back to her maiden name after the divorce, so it wouldn't have been the same as their old information. She was at that time unemployed and had no source of income. She let the account do delinquent and consequently that showed up on MY credit report ( even though we are divorced and I am no longer responsible for her or her actions ). I have the legal court documents to show that at the time of our divorce she was responsible for the XXXX XXXX account, and I was no longer responsible for it. I had cards that I was responsible for and I let the companies know that I was divorced and she was no longer to be on the accounts. She should have done the same ... but she didn't. I spoke with XXXX XXXX and was told basically that it didn't matter because my name was on the account and they issued me a new Mastercard in my name ( which I obviously was unaware of since we don't even live in the same state ). So they were on no help to me. I would like to have this removed from my credit report as it is fraudulent information and it cause me financial issues.
Product: Credit card or prepaid card

Less than three months ago, I opened Bank of America 's XXXX XXXX credit card which promised XXXX points if I spend {$4000.00} or more in 3 months of card opening. I was instantly approved for the card online and already spend more than {$4000.00} in less than 3 months. I received XXXX points but when I went to their system/webpage to redeem my points, it didn't allow me to redeem my points. Few days later, when I got hold of one of the customer representatives I was told that Bank of America has closed my card and upon talking to them they told me that they can not allow me to redeem my approximately XXXX points ( XXXX points from bonus and rest from spending more than {$4000.00} on the card ). 
I tried talking to other representatives but I was denied my hard earned points even though I followed their terms and conditions. One week later, I was sent a letter stating that because of irregular authorized user activity my card has been closed. I only had my wife on this card as Authorized user and I already removed her more than a month ago. The representative told me that the irregular account activity is not linked to my card ( where I received XXXX points ) but Bank of America still decided to close my card and denied me the opportunity to redeem my points. These points are worth {$670.00} so a big sum of money for me and it does makes a big difference to me losing this amount of money. 
Bank of America still doesn't let me redeem my points and I will appreciate if you can take action so atleast I can redeem my points. 

Thank you and looking forward for a solution.
Product: Debt collection

I want to negotiate the credit card debt, but all I get is robo calls, I wish this debt collector would mail me so something so I can start paying the debt down, like other collectors are done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I. Was sick with XXXX  for 9 weeks an I got behind on payments one account Ive disputed several times. Still on my report. Im XXXX XXXX XXXX my score dropped because accounts were closed an reported late Please help I need the late payments removed
Product: Credit card

This complaint pertains to a Chase Visa card. On Friday, XXXX XXXX 2016 I called Chase to discuss making a large purchase in a foreign currency - XXXX. The discussion was to understand what exchange rate was used and when it would be effective. Chase told me that it was based on the exchange rate published in the XXXX XXXX XXXX for the day on which the transaction settled, which would be one to two days after the purchase. I made the purchase on Saturday XXXX XXXX, in the amount of XXXX XXXX. When I saw the transaction show up in my Chase credit card account, the amount in USD was {$25000.00}. The exchange rate was quite different ( worse ) than what was published in the XXXX. I called Chase today ( XXXX/XXXX/16 ) to discuss the matter. The representative indicated that XXXX sets the exchange rate and there was nothing Chase could do. I called the dispute department and they refused to disallow the charge because " an exchange rate is not a valid reason for a dispute ''. The dispute supervisor, a XXXX XXXX XXXX in Chase 's XXXX XXXX dispute call center, apologized for the fact that the Chase representative gave me materially incorrect information regarding both the exchange rate at which the transaction would take place as well as when the exchange rate would be effective. Had I been given the correct information, I would not have made the purchase. The entire reason for the purchase was to take advantage of a lower exchange rate ( i.e. the one published in the XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. There are fraudulent accounts that remain on my credit profile that need to be removed immediately. This has caused me injuries and financial damages. 

XXXX XXXX accounts XXXX XXXX XXXX XXXX Department of education/ XXXX department of educationXXXX XXXX Inquiry- XXXX XXXX XX/XX/XXXX Bankruptcy- US bkpt ct wi XXXX XX/XX/XXXX XXXX Wi  XXXX XXXX DE Names XXXX XXXX XXXX XXXX ; XXXX XXXX Addresses : XXXX XXXX XXXX XXXX, Wisconsin XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin XXXX
Product: Checking or savings account

I called Bank of America at XXXX XXXX XXXX to report unauthorized charges for several attempts of {$1200.00} and {$1000.00}. I complied and answered all questions asked by the agent. The total of my opened claim came to {$6000.00} on XX/XX/2022. On XX/XX/2022 I called the number again to check the status and request provisional credit because I need to pay bills. The agent escalated my claim because of hardship. Today, XX/XX/2022, I log on to check my claim status and its been denied, not paid. I am upset because this is a large amount of money. Please help.
Product: Debt collection

Please see the attached document : Feedback/Complaint Letter Filed Against CFPB
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX Balance XXXX {$3700.00} ; XXXX XXXX  XXXX Balance : {$11000.00} ; XXXX XXXX XXXX Balance : {$520.00} ; XXXX XXXX XXXX XXXX Balance : {$14000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$2500.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want all my information to be verified on all 3 of my credit reports
Product: Credit reporting or other personal consumer reports

XXXX continuously reports back account is accurate within only 24 hours. The investigation should take more than 24 hours if a proper investigation was done. 

The account in question is XXXX XXXX XXXX