23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I went to the ATM at XXXX XXXX XXXX. XX/XX/XXXX to cash a check my friend gave me to pay my rent. The ATM captured my card and never gave it back. I called Bank Of America to inform them of this XX/XX/2018 and a Representative sent me a new card but the same information from my old card. I didnt think much of it but today I went to a different ATM to deposit XXXX dollars and the ATM at XXXX XXXX XXXX captured my new card again. I immediately called Bank of America to try to get a explaination. I got transferred twice before i got a Representative. First i spoke with XXXX from the claims department who issued me out a new card and launched an report then he transferred me to his supervisor who name is also XXXX. XXXX, the supervisor informed me that there was flag on my account from fraud because a merchant was compromised so they flagged my card. He had to transfer me to the fraud department.XXXX  from the fraud department informed me that was not the reason my card was cancelled. She told me she dont know. So in three weeks my card was caputured twice at two different locations and no one seems to know the answer. I could not put money in the bank to cover my fees so my account remained in overdraft. The actual bank time conflicted with my work schedule so i couldnt go in to have this issue resolved. This has been very frustrating.
Product: Credit reporting or other personal consumer reports

I send to Equifax and filed a complaint with CFPB also I attached proof of identity and FTC report. Equifax says my FTC report was invalid I called customer service to guide me what exactly they " found '' on my FTC report to be " invalid '' Which I know they are lying because my personal information was accurate. 

These Hard Inquiries do not belong to me, were not initiated by me. I demand that they are deleted immediately. They have not been authorized by me and they have to be removed. 
XXXX XXXXXXXX XXXX - XXXX2024 XXXX XXXX XXXX - XXXX2024 XXXX  - XXXX2024 XXXX XXXX XXXX - XXXX-2024 XXXX and XXXX recognized my FTC was valid and I successfully removed this fraudulent hard inquiry. Again, I will attached FTC report and Please remove these fraudulent hard inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account does not belong to me. This is XXXX
Product: Credit reporting or other personal consumer reports

Account Information : Account Name : XXXX Account Number : XXXX Account Type : Unsecured Responsibility : Individual Date Opened : XX/XX/XXXX Status : Closed. {$16000.00} written off. 
Status Updated : XX/XX/XXXX Balance : {$0.00} ( Balance Updated on XX/XX/XXXX ) Original Balance : {$15000.00} Terms : 60 Months Dispute Reason : I am disputing the accuracy of the reporting on this account for the following reasons : Dispute Code : XXXX : " Account status incorrect '' XXXX : " Payment history incorrect '' XXXX : " Balance inconsistent '' Payment History Inconsistencies : The reported payment history contains discrepancies, including duplicate or inconsistent entries for charge-offs ( " CO '' ) in XXXX and XXXX. For example : The account is reported as " CO '' in several months when the status update date shows no significant change in the account 's condition or balance. 
There is no clarity on the progression of delinquencies and the timeline leading to the charge-off. 

Status and Balance Discrepancies : The original balance is reported as {$15000.00}, but the written-off amount is {$16000.00}. This inconsistency needs clarification. 
Current Status and Payment Terms : The account status indicates " Closed '' with a {$0.00} balance, yet the delinquency history does not align with the terms of the account. There is a need to confirm whether this was reported accurately following the closure of the account. 
Missing Documentation : I have not been provided with sufficient documentation to verify the accuracy of the reporting. Specifically, I request evidence supporting the charge-off status, including payment records and any relevant account activity. 
Requested Action : I kindly request that XXXX and the credit reporting agency : Conduct a thorough investigation of the reported information. 
Verify the accuracy of all payment history entries and adjust any incorrect information. 
Provide all relevant supporting documentation justifying the current account status, including charge-off validation, balance details, and past-due payment reporting. 
Correct any inaccuracies identified in this dispute process and update my credit report accordingly. 

Payment records. 
Correspondence with XXXX regarding the account status. 
All documents that support the dispute. 
Closing Statement : I value the accuracy of my credit report and trust that XXXX and the credit reporting agency will address this matter promptly. If no verifiable documentation is available, I respectfully request the removal of this account from my credit file.
Product: Checking or savings account

I received a settlement check from a car accident on XX/XX/XXXX for {$3800.00}. The attorney banks with XXXX XXXX XXXX. After taking a picture of the check and making the deposit I placed the check in a folder where I keep important documents. In XXXX I was going back and fourth to the library and I carried my folder with me. XX/XX/XXXX my husband took my vehicle to a XXXX dealership to get my vehicle detailed. He stated he placed my folder in the trunk of the car. XX/XX/XXXX I checked my account online and noticed XXXX missing. I contacted XXXX and they told me there was a duplicate transaction with the check. I went to the trunk of my vehicle, looked in my folder and noticed the check was not there. My husband went to the dealership and spoke to the manager, he stated he would review the cameras. We contacted XXXX again and filed a fraud claim on our account. I went to XXXX County Police department XX/XX/XXXX -and filed a police report. Case # XXXX. I contacted the attorney and advised him of what was going on. He stated he did not see a dup check on his end. OnXX/XX/XXXX I received a copy of the check from XXXX. The check was presented to Navy Federal XX/XX/XXXX on XXXX XXXX. I went to that Navy Federal branch and spoke to the manager he stated the fraud would need to be handled by XXXX and XXXX. I went to XXXX police dept and filed a police report Case # XXXX. The detective stated he spoke to the person that cashed my check she stated she met her cousin and a female, he told her it was his girlfriend and she was having problems with her account and asked her to cash the check for her. It is nowXX/XX/XXXX all involved banks are stating it is not their fault it is the other bank. XXXX and XXXX have both closed their fraud investigation and I do not have my money back. I have fallen behind ALL my bills because of this situation and would like for this to be resolved immediately.
Product: Credit reporting or other personal consumer reports

Here is the list of fraudulent inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$990.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Filed Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Money transfer, virtual currency, or money service

i sent XXXX to my friend in XXXX. it was to be an instant transfer and the paypal website said my friend was to receive the full XXXX it turned out that after i paid paypal said it would be a 4 day hold and charged the recipient XXXX. THE XXXX FEE-CHARGE WAS NOT DISCLOSED. THE 4 DAY HOLD WAS NOT DISCLOSED. 

THE RECEIPT CONFIRMATION FROM PAYPAL SAYS NO FEES.
Product: Credit reporting or other personal consumer reports

Im making a statement I requested a 10-99C form which I was denied of which I the consumer should have received it, but Im held responsible to pay this alleged debt. XXXX XXXX  has this account ( XXXX ) on my credit report as charged off with a balance of {$930.00} according to the FCRA If there are errors or discrepancies in how the charge-off was reported, you have the right to dispute this charge off account is reporting inaccurate this charged off account is debt thats been paid off. 15 U.S. Code 1681e ( b ) is a part of the Fair Credit Reporting Act ( FCRA ) that requires consumer reporting agencies ( CRAs ) to ensure the accuracy of consumer reports. This section states that CRAs must : Follow reasonable procedures to ensure the accuracy of consumer reports, Conduct reasonable reinvestigations of disputed information.These procedures should ensure the confidentiality, accuracy, relevancy, and proper utilization of consumer information. I respectfully ask for this account to be deleted from my credit report as it is ruining the worthiness of my credit. 15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. Procurement of consumer report for resale. Experian is responsible for furnishing my report with information thats not accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account # 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Debt collectors aren't supposed to commit abuse, deceptive and unfair debt collection practices but your firm has done so. 


A debt collector furnishing an alleged debt to my consumer report as a means of coercing me to pay an alleged debt is extortion. Collection of extensions is a violation of 18USC894 and carries a criminal liability up to 20 years.

Debt Collectors do not have any lawful right to be in possession of my identifying information.

A debt collector thats furnishing a collection to my consumer report is in violation of 15 USC1692d ( 4 ) which is engaging in unlawful extortionate activities. 


Coercing myself to pay you an alleged debt by ruining my financial reputation is a violation of 18 USC894. Now because you all benefit at my expense, the debt collector, original creditor, and consumer reporting agencies again are engaging in racketeering activity 18 USC 892 ( b ) ( 1 ) -Companies have no right to attempt to collect the alleged debt by way of judicial processes.

Again debt collections can't lawfully : Possess by identifying information, Contact me about an alleged debt, ruin my credit, or SUE me for nonpayment of a debt.

Please understand debt collector has no lawful standing according to 15 U.S. Code16921 ( b ) Please understand this is also aggravated identity theft 18 USC 1028A.

Lastly, 15 USC 1692c ( a ) states debt collectors shouldnt be contacting me if I didnt give prior consent. 

Im requesting to have this alleged trade line debt to be removed effective immediately from all CRAs
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REACHED OUT TO XXXX, XXXX, AND TRANSUNION NO LESS THAN 3 TIMES. I HAVE PROVIDED THEM EACH WITH THE REQUESTED STARTING WITH XXXX Duties of users making written firm offers of credit or insurance based on information contained in consumer files- section 604 ( c ) ( 1 ) ( B ) of the FCRA ( 15 U.S.C. 1681b ( c ) ( 1 ) ( B ) ), except for a person excluded from coverage of this part by section 1029 of the Consumer Financial Protection Act of 2010, title X of the Dodd-Frank Wall Street Reform and Consumer Protection Act, Public Law 111-203, 124 Stat. 137 AND 1022.123 Appropriate proof of identity AND THE REQUESTED FTC REPORT. 
THEY CONTINUE TO REPORT THE FOLLOWING ILLEGAL INQUIRIES WHICH I DID NOT GIVE MY PERMISSIBLE PURPOSE... 

XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX PLEASE HELP ME AS THESE FALSE OUT-OF-COMPLIANCE INQUIRIES ARE STOPPING ME FROM GETTING APPROVED FOR A HOME FOR MY FAMILY. THESE INQUIRIES ARE CAUSING ME DETRIMENTAL HARM MENTALLY AS WELL. I SHOULD NOT HAVE TO CONTINUE GOING BACK AND FORTH WITH THESE PARTIES. 

CFPB PLEASE HELP AS MY NEXT STEP WILL BE TO REACH OUT TO CIVIL RIGHTS LEADERS TO HELP ME AS MY CONSUMER RIGHTS CONTINUE TO BE IGNORED. 

PLEASE REMOVE THOSE INQUIRIES FROM MY REPORT IMMEDIATELY.
Product: Consumer Loan

I XXXX XXXX XXXX XXXX XXXX vehicle Last XXXX of vine XXXX. I added somebody to the tittle and they changed the address. It was steele addressed to me but he opened my mail, forged my name and went and got a tittle loan. the y have auctioned off the truck but there has been a pleace report filed in XXXX XXXX XXXX, Utah. Its not A civil matter and im earitated about my mail being breached and athorityes not doing there job
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THESE ARE ACCOUNTS THAT I DID NOT AUTHORIZE AND I HAD NO IDEA THAT SOMEONE HAD ACCESS TO MY PERSONAL INFORMATION. I AM IN DISTRESSED BECAUSE THESE DEROGATORY ACCOUNTS HAVE CAUSED DAMAGE TO MY FILE AND HAVE PREVENTED ME FROM ATTEMPTING NEW CREDIT. PLEASE LOOK INTO THIS MATTER AND HAVE THOSE INACCURATELY PLACED ACCOUNTS OFF MY CREDIT FILE.
Product: Checking or savings account

XX/XX/XXXX, I reported to robinhood about 14 transactions on my account happened without my permission. 2 of the 14 disputes were then credited to my account because they deemed the transactions as unauthorized on XX/XX/XXXX. Then on XX/XX/XXXX, robinhood has closed my account due to suspicious activity. Doing this to my account now makes it impossible for me to receive my {$430.00} that was wrongly used in unauthorized transactions and I want my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

See Attached Documents. Attached will be a Picture of on ID and Social Security Card Utility Bill. It will also have an attached FTC Identity Theft Report as well as Dispute letters with account information that needs to be deleted from my report.
Product: Checking or savings account

I am filing a complaint against Pentagon Federal Credit Union ( PenFed ) regarding multiple issues I have experienced with their services, which I believe were unfair and not properly explained. 

Denial of Credit Card Application : I applied for a credit card with PenFed, but my application was denied. I was not given a clear explanation for this decision, and I believe the denial was made without appropriate transparency or consideration of my creditworthiness. 

Closure of Checking Account Without Explanation : At some point, PenFed closed my checking account without providing any clear reason for the closure. I was not notified in advance or given any opportunity to address any concerns that may have led to the account 's closure. 

Denial of Account Reopening : After my account was closed, I attempted to reopen it, but PenFed denied my request without offering an explanation or giving me an opportunity to resolve whatever issues led to the closure. 

These actions have caused significant inconvenience, and I am seeking clarification on why these decisions were made. I believe that PenFed has not adhered to proper customer service standards and has failed to provide adequate communication regarding these issues. 

I respectfully request that the CFPB investigate this matter to ensure that PenFed is held accountable for its actions and that my concerns are properly addressed
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of a bankruptcy record on my credit report that I believe was reported in violation of my rights under the Fair Credit Reporting Act ( FCRA ). Despite my previous attempts to resolve this issue by contacting both the bankruptcy court and your credit bureaus, I have not received any response. 

I have requested information from the bankruptcy court and from your bureaus regarding the authorization and accuracy of this bankruptcy record, but I have yet not received a response. This unauthorized reporting has negatively impacted my credit profile and is in violation of the FCRA, which requires that only accurate and authorized information be included in credit reports. 

Under the FCRA, I am entitled to have my credit report reflect only information that is accurately reported and authorized. Since I have not received a response from either the court or your bureaus confirming the authorization or accuracy of this bankruptcy, I believe this entry to be improper and request the following actions : 1. Immediate Investigation : Conduct an immediate investigation into the validity and authorization of this bankruptcy entry.

2. Removal : If it is determined that the bankruptcy was reported without proper authorization, remove the entry from my credit report and all associated accounts included in the that Bankruptcy promptly.

3. Confirmation : Provide written confirmation of the actions taken and an updated copy of my credit report showing the removal of the unauthorized bankruptcy entry, and all accounts included on it.
Product: Debt collection

XX/XX/2018 my son called American Express to get the address where I could send a letter requesting the company to cease and desist contacting me regarding my debt as provided under the Fair Debit Collection Practices Act formally known as and codified under 15 USCA 1692 ( a-p. ) The representative handling me ( XXXX, employee XXXX ) and his superior ( XXXX employee XXXX ) in the XXXX call center refused to provide this information.
Product: Credit reporting or other personal consumer reports

Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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. 

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 XXXXXX/XX/XXXX Trans Union, XXXX, and XXXX have 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 an 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 or 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 data is inaccurate.
Product: Debt collection

This complaint is in reference to the XXXX XXXX  entry Account Number:XXXX entry listed both on my XXXX and XXXX   credit reports. I have contacted XXXX XXXX  several times viable evidence bearing my signature and how they verified this alleged account without providing me any proof that this account in fact belongs to me i.e. something with my signature. 
As per FTC opinion letter from Atty. XXXX XXXX XXXX you should be aware that a printout of a bill or an itemized document does not constitute verification. I am challenging the accuracy, compliance, and reportability of the listing. I do not consent to XXXX or any means of automated verification. 
Failure to respond satisfactorily within 30 days of receipt of this notification may result in a small claims action. 
In the abscence of any such documentation I formally request that this information be immediately deleted from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date sent : XX/XX/2021 To XXXX XXXX and TransUnion Letter of Request to XXXX  included the following information : " Re : Letter to Remove Inaccurate Credit Information I received a copy of my credit report and found the following item ( s ) to be in error : 1. Validate Account XXXX XXXX XXXX XXXX  Account Number : XXXX Please supply information on how you have verified this item, investigate and delete from my credit report. 

2. Validate this accounXXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item, investigate and delete from my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under the Fair Credit Reporting ACT 15 U.S.C. Sec. 1681i ( a ), you must complete this re-investigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. '' XXXX and TransUion did an investigation and came back with the same results reported prior to my request. XXXX  has not yet responded. Sadlly enough, I was impacted by both the XXXX  and XXXX  Data Breach. 

I feel as though my request was completely ignored and treated as frivolous. It is unfortunate that any private agency has the power to inflict damage to a Consumer 's credit rating with such a broken credit reporting and credit scoring system, which is grossly inefficient and life impacting. 

My last resort will be to file for litigation due to the stress this has caused me. I am seeking your support in having this information removed from my credit report immediately. Your assistance is greatly appreciated. 

Sincere Thanks!