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

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX Balance : {$27000.00}, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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 : XXXXXXXX XXXX XXXXXXXX XXXX account number ending in XXXX in the amount of {$990.00}, Reference number XXXX  XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 re
port 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 or other personal consumer reports

My account with EQUIFAX was never late! I have had exceptional payment history with XXXX XXXX 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 ( MONTHS REPORTING LATE ) 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.

EQUIFAX 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: Credit reporting, credit repair services, or other personal consumer reports

I have account on my credit report that has 3 duplicates in 2 bureaus and 4 duplicates in third. The name of account is XXXX XXXX XXXX It has the same account number but different amounts and dates. I'm trying to solve this problem over 3 months and all I get in response is that information verified and accurate. Bureaus updating dates and status on the accounts, But I know my rights and understand that this is VIOLATION of FCRA. Please help me fix this problem. My credit score is hurting by this tremendously. I'm attaching copy of my ID, bureau response and the way accounts appear on my report. Thank you
Product: Checking or savings account

FOR OVER XXXX YEARS NOW, my e XXXX XXXX, keeps hacking into my bank accounts, and charges things with my debit card, i dont have one now, but i do have credit cards. i cant get good credit having no credit cards, and im sick and tired of this. when is the bank, XXXX  XXXX XXXX, XXXX, XXXX XXXX, any credit card i have, no one ever investigates this situation, i have many situations with this man, stealing from me, mortgage fraud, did closing behind my back, i lost over XXXX, plus a cabin, he just stole it. took the closing money and has for a year refused to give me paperwork. I have boxes full, and boxes and more boxes, XXXX Hard drives i found hidden, a cd i cant access, i know he is involved with XXXX, XXXX, was cable XXXX, i wanted a cyber harassment restraining order, but the detective wouldnt, although i feel my computer evidence does show himon here. 
He needs to also stop making up checks to look like mine, who is going to help me, this now has been three local police stations ive been to, and nothing. i have solid evidence, and i cant understand why, if i cant get a restraining order, how is he going to leave me alone.
Product: Credit card

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Product: Debt collection

I received information from you attempting to collect the above-listed alleged debt that you have listed on my credit reports. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debts in its entirety. Further I request verification of the alleged debts, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect alleged debts and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. 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. I've 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 or prepaid card

Two charges appeared on my Chase credit card which I did not make. I dispute them. The dates of transactions were on or about XX/XX/2020 in amount of {$110.00} and then on XX/XX/2020 in amount of {$420.00}. Credit card company failed to investigate and claims I received the benefit. I have no idea what they are talking about because I did not make these charges. Please help.
Product: Payday loan, title loan, or personal loan

X/XX/2017 I received an installment loan from CashNetUSA. Upon signing the contract, I did not realize the interest rate was 256 %. Also of my payments of {$270.00} a month only {$56.00} went towards the principal. I feel like I was frauded and the application of the interest was misrepresented.
Product: Checking or savings account

I have recently made a dispute with my checking account that is with JP Morgan Chase for a money order that I deposited inside of a branch ATM located near my home in the XXXX XXXXXXXX XXXX  of XXXX XXXXXXXX XXXX XXXX While depositing my two Postal Service money orders, one of my money orders was ripped while the machine Was accepting it due to the machines error. I called JP Morgan, Chase Dispute Center, and filed a dispute and advised them that I was depositing a money order and the machine took my money order slightly ripped it and kept it while not giving me a receipt nor acknowledgment of a deposit as the machine made an error after making this dispute I was temporarily credited to my account to where the bank withdrew my temporary credit and advised me that I would be re-issued a check from Chase, which would be a cashiers check and I would be allowed to go and deposit in my bank account as they were able to retrieve the money order from the ATM machine as I provided them all the necessary information they needed, including the terminal ID and other requested information, including the date and time and the amount of the postal money order which was {$750.00}. As of now, I have not received a refund nor a re-issuance of the check as promised as the bank went back on their word after telling me that I have been waiting to receive any correspondence in the mail, and I have not when I called. I was told my dispute was denied, and I was not given any proper reasons. My money was stolen and I would like to resolve this with corporate office as this was a valid money order and an error on the ATM machine not my error as the ATM machine did not process my deposit and kept my money order.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updated credit report in XXXX unauthorized inquiries are being reported to my personal credit file. The 3 credit Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. 3 credit Credit Reporting Agency has failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Product: Credit card

I applied for a 0 % interest for 12 months credit card called XXXX. I was sent a card that said XXXX all across the front. In the XXXX billing month, I was charged interest. I called Barclaycard XXXX, the issuer. They said they could n't resolve the issue over the phone but that if I waited two weeks they would send me a letter. I waited. No letter, no call. I called again. This time they acted like the first agent did n't even open the case correctly. They said they would. Told me to wait a week. I 'd get a letter. I waited-no letter. I called again. This time agent told me they were not going to charge me interest for the upcoming month and that they would eventually credit the account for the interest already charged. On XXXX, I logged in to the online account to find I had been charged interest yet again. I called again today ( XXXX ) and was told my card does not have 0 % interest for purchases and they would n't refund the charges. I applied for a 0 % for 12 months card for purchases AND balance transfers. I read the terms carefully before applying. They are still offering this XXXX card on their website with 0 % for purchases and balance transfers for 12 months. I told them that. Manager said that promotion could change at any time and would n't verify that the promotion had been valid when I applied for the card. I definitely applied for that card and those were the terms. I was also supposed to get {$100.00} cash back if I spent {$500.00} in the first 90 days. I have n't received that either. They wo n't honor the terms of the card. Also, by telling me to wait in two week spans, I 've been pushed into subsequent billing months, interest charges piling up by the day. This is classic bait and switch. I 've never received XXXX letter or call in response.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is in response to Transunion 's recent claim that the court verified the public record they are reporting is accurate. 
Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request " a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. '' In compliance with this method of investigation request, please provide the following : 1 ) the description of the procedure used to determine the accuracy and completeness of the information 2 ) Name, address, and telephone number of each person contacted regarding this alleged account.

3 ) A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-Oscar verification is unacceptable. I am requesting re-investigation along with your method of verification. The item in question is inaccurate and represents a very serious reporting error.

I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately Thank you for your prompt attention to this matter. I look forward to resolving this matter as soon as possible.
Product: Credit reporting or other personal consumer reports

This is a recent credit inquiry that was popped up on my report for Equifax. 

This is not my inquiry and I never applied for any loans or lines of credit with this bank.
Product: Debt collection

They're reporting a debt I never agreed to. Out of the blue, I found out CREDIT COLLECTION SERVICES put a debt on my credit report. The thing is, I never agreed to this debt. I never signed anything, never shook hands on it, nothing. It feels like they're trying to force me to pay something I don't owe. 

There's no real contract. I've always believed that for a debt to be valid, there needs to be an agreement between two parties. But I never made any agreement with CREDIT COLLECTION SERVICES. I didn't sign anything, I didn't agree to anything verbally - there's just nothing there. How can they try to collect on something that doesn't exist? 

They didn't follow the rules to prove the debt is real. From what I understand, debt collectors are supposed to follow certain steps to validate a debt. CREDIT COLLECTION SERVICES didn't do any of that. They didn't send me a notice about the debt. They didn't tell me how much I supposedly owe or who I'm supposed to owe it to. They didn't tell me about my rights to dispute it. 

This whole thing feels unfair and deceptive. Putting all of this together, reporting a debt I never agreed to, trying to collect without a real contract, and not following the rules to prove the debt is legitimate- it just feels wrong. I feel like they're trying to trick me, and it's causing me a lot of stress and worry.
Product: Credit card or prepaid card

XXXX XXXX Claim Number : XXXX XXXX XXXX XXXX XXXX ( XXXX ) debit card was wrongfully scammed the day of XX/XX/2021 after an authorized withdrawal of {$1000.00} from my account was made at the Walk Up ATM Bank of America ( BofA ) branch at XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX. 

According to my BofA Prepaid Mobile Application, the first unauthorized withdrawal happened on XX/XX/2021 at the XXXX branch for {$1000.00}. On the same date, there was also a XXXX XXXX XXXX. Whoever duplicated my debit card information might have thought they could take funds from another bank, which is not possible. 

A total of {$10000.00} was stolen from my account through various unauthorized transactions. Everyday from XX/XX/2021 to XX/XX/2021, funds were stolen in the amount of {$1000.00} ; except for the XXXX which was of {$640.00}. The majority of these funds were stolen at the XXXX branch with the exception of XXXX XXXX, which include XXXX, XXXX XXXX XXXX and XXXX XXXX locations . As seen in my transaction history, I have always withdrawn money from Bank of America locations in the XXXX XXXX XXXX. 

Subsequently, I filed a police report with the XXXX XXXX Sheriffs Station with the report number enclosed separately. In addition, I mailed and faxed my drivers license ( in color ) to the BofA claims department. I spoke to the Relationship Banker, XXXX XXXX, and was told that multiple customers were victims of the same fraud around the same time the unauthorized transactions on my account were made. I also spoke to Finance Center Manager, XXXX XXXX, who informed me that he found a tool with a chip and camera above the Walk Up ATM at the XXXX branch. He then made a statement over the phone to the BofA Claims Department detailing his findings under my claim report. The bank technician came to check the ATMs and he immediately filed a police report as well.
Product: Payday loan

I submitted a claim earlier about XXXX XXXX XXXX and gave a description about what happened. The Cash store is another creditor they did the same thing as XXXX in the previous claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

DELETE ALL FRAUD ALERTS AND EXTENDED FRAUD ALERTS FROM ALL THREE CREDIT BUREAUS XXXX & XXXX XXXX ID FRAUD VICTOM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MYA HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES, DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX.
Product: Debt collection

PHEAA I APPLIED FOR A IBR ACCOUNT AGAIN/MILITARY BENEFITS DON'T KNOW IF I HAVE.  ALSO, NAVIENT I APPLIED FOR A IBR ACCOUNT AGAIN/MILITARY BENEFITS THIS PERTAINS TO ALL LOANS ON RECORD OR FILE.  WHY IS NOT THE LATE DAYS BEING DELETED BACK INTO POSITIVE ACTIVITY.  PLEASE HELP 

REGARDS,

XXXX   XXXX XXXX
XXXX XXXX

ps.  I WOULD LIKE TO HAVE ALL STUDENT LOANS CONSOLIDATED REAL SOON/CAN I RETURN TO SCHOOL.
IS THE TRUMP ADMINISTRATION DISCHARGING XXXX  OFF STUDENT LOAN DEBT/WHEN?
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts XXXX  XXXX XXXX and XXXX  XXXX were never past due, i never made a late payment to this company ever please change this, i have a good relationship with this company.. I sent a letter to the credit bureaus but they refused to reverse the late payment nor did they give me a reason why they wont do it..Not only that, they never gave me any proof of investigation that they have verified the account as accurate..CFPB please hear me out and correct the late payments
Product: Checking or savings account

I am writing to the CFPB as the effective, judicial, legal and prosecutorial agency to enforce the DODD-FRANK LEGISLATION AND FEDERAL RESERVE REGULATIONS, RULES AND GUIDELINES AND LEGAL INTERPRETATIONS OF ALL THE AFORE -MENTIONED. 
I ALLEGE HERE AND SUFFICIENTLY PROVE WITH A PREPONDERANCE OF EVIDENCE THAT BANK OF AMERICA VIOLATES REGULATION CC, INTENTIONALLY BY ORGANIZED, COMPUTERIZED SYSTEMS THAT BANK OF AMERICA DOES SO IN ORDER TO PROVIDE THEMSELVES A HIDDEN ILLEGAL PROFIT CENTER TO BENEFIT THEMSELVES WHILE SECRETLY DEFRAUDING THEIR CUSTOMERS. 
INCLUDED HERE are the final levels of appeal ; are OCC opinions devoid of legal merit and discretion.The OCC knows where their " bread is buttered '' .Is not the OCC completely and totally funded by member banks? Is not Bank of America the largest depositor bank in America and therefor likely one of the highest contributors to the OCC 's payroll and infrastructure? 
The final opinion of the OCC is that Bank of America can cash and hold checks by whatever Bank of America " feels '' and that the disclosure contract of accounts says Bank of America can '' feel " like not cashing a check, regardless of Regulation CC. 
I allege the criminal, computerized, activity of not cashing checks is dictated by Bank of Americas " feeling '' that they need " to play the float '' with these checks to make profit, however hidden and illegal it could be. 
The Disclosure Booklet is likely necessary to be approved by regulators and as such would be wrongful if it allows Bank of America to " feel '' or " not feel '' like cashing a check. 
Included here is the FEDERAL RESERVES LEGAL INTERPRETATION OF THIS " FEELING '' THAT BANK OF AMERICA WOULD HAVE TO ATTAIN THAT A CHECK COULD BE HELD to " play with the float. '' Bank of America does not meet this legal bar set by the Federal Reserve. BANK OF AMERICA 'S '' feeling that a check will be returned unpaid '' is the analogous equivalent that " pedestrians who cross busy streets may be hit by cars. " Bank of America does not meet the explicit standard of the Federal Reserve for their " feelings ''. 
Bank of America " feels '' like they need profit, legal or otherwise.This extraordinary statement while seeming like an exaggeration is proven in the attachments here. 
Bank of America like XXXX XXXX is guilty of organized criminal activity to defraud customers.
Product: Credit card or prepaid card

I was the victim of identity theft and when they got my card number and went on a shopping spree, Direct Express did Not catch it. When I did catch it they had stolen XXXX dollars so far! When I filed a claim with Direct Express I was told that they did a THOROUGH investigation and found that the charges were fine. That they were authorized! There's No Way that I had anything to do with those charges! It was Very Obvious that someone named XXXX on XXXX was the one that was stealing from me! He sent himself and his wife money to their XXXX accounts and their phone number is right there! Any XXXX could see that they were the ones spending my money! But yet Direct Express is telling me that they can't find anything wrong! Well what's to stop them from doing it again?!!! I have filed reports with the FTC and the Cyber Crime Department already and will be filing with both the Texas Attorney General and the California Attorney General. Direct Express is REFUSING to Reimburse MY Money that THEY Let someone STEAL from Me!!!
Product: Credit reporting or other personal consumer reports

The following credit inquiries were made without my knowledge or authorization, I will also list the dates which they were made : XXXX XXXX XX/XX/year>2024, XXXX XXXX/XXXX/2024, XXXX XXXX XX/XX/year>2024, XXXX XXXX XX/XX/year>2024, XXXX XX/XX/year>2024, XXXX XXXX XX/XX/year>2024, XXXX Credit Bureau XX/XX/year>2024, XXXX XXXX XXXX XX/XX/year>2024, XXXX XX/XX/year>2024 Who are these companies? I have no idea, I never consented or authorized them to pull my credit!