23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I received an offer in the mail from Citizen 's Bank to get {$600.00} if you open a checking and savings account and met their terms. I opened my account XXXX XXXX via their website and met the terms. The offer says once you've met the terms you will get the money in 3 months. On XXXX XXXX I called Citizen 's because my money was still not in my account and XXXX told me my original bank put a hold on the transfer. I called my XXXXXXXX XXXX that day and they said Citizen 's has the money and took it out of my XXXX account. I called Citizens on that day and after being bounced around I eventually spoke to the fraud department who said that Citizen 's blocked my transfer and I have to tell my XXXXXXXX XXXX to reverse the transfer because it was flagged as fraud. Reassured me I would still get the bonus and gave me the fulfillment phone number in case I didn't get the bonus. I called Citizen 's Bank on XX/XX/XXXX because it's been over 3 months and I have received anything and I spoke with XXXX the manager and he said I would receive my money on XX/XX/XXXX. It's now XX/XX/XXXX and I haven't received it yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information belongs to someone else account information is incorrect account statuses are incorrect personal information is incorrect old information reappears and never goes away inquiries were not approved by me
Product: Debt collection

I previously disputed this account with US Bank and received the attached response. They did not do a thorough investigation. As I have mentioned before I am a XXXX My Drivers license and passports all have the same name.. this makes no sense I didn't even know XXXX gave credit cards for food. 

My father XXXX XXXX resided at my address through out that time however he has been incarcerated for about 5 years and I don't speak with him. I presume this debt belongs to him. 



Previous Dispute US BANK has been reporting an account against my SSN # for almost 7 years. This account does not belong to me. For almost 7 years i have been disputing this account, i have never applied, used or had knowledge of this account. I have a common name and am a XXXX. I have asked for proof showing this account belonged to me. i have received nothing. 7 years i have had to deal with this account. Please have US Bank review their records and provide proof this account belonged to me or remove it from all 3 credit reporting agencies. Today I pulled my report and now the amounts are all different. The original limit is reported as XXXX, the amount written off was {$980.00} and as of today shows past due {$1300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I suspected that my identity has been stolen due to the amount of notifications I received about inquiries that I have no knowledge about. I also am aware that my information was exposed I about 2 different data breaches. XXXX data breaches, and XXXX Data Breach. The breaches put my information at risk and resulted in fraudulent accounts being opened in my name.
Product: Mortgage

XX/XX/2021 To Who It My Concern My name is XXXX XXXX. I have a complaint against Bank Of America employees XXXX XXXX and his supervisor XXXX XXXX. XXXX XXXX informed me that Bank of America stop processing my mortgage application. The reason they stopped processing the application was unreasonable. I couldn't get an updated 401k statement. The virus was the reason i was unable to get an update statement. I need and have asked for a letter from Bank Of American stating I am not getting the mortgage. They refuse to give me the letter. Now, I am unable to get my Earnest money back. Thats the money I put down on the house I was going to buy. Please help me. I dont know what to do. I feel they are acting this way because I am an XXXX American women. 


XXXX XXXX XXXX ext XXXX email : XXXX XXXX XXXX at XXXX, ext. XXXX, email : XXXX. 







Thank You XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I asked for an extension for XX/XX/XXXX payment. They reported that I was 30 days late on my XX/XX/XXXX reporting.I asked the original creditor can they send me a copy of when they received my payment and they refused to do so. I closed the account in XX/XX/XXXX. I disputed the late payment in XX/XX/XXXX. The credit bureau updated the dispute and ( moved the late payment to XX/XX/XXXX with balance of {$4300.00} being my highest balance when my credit limit is {$400.00} ). It also made my payment history shorter. Ive had the card since XXXX and its reporting that I only had it since XXXX. The late payment had been moved a month over when its not even suppose to be any late payment reporting.
Product: Payday loan, title loan, or personal loan

I traded the car in question in on another and the new dealership did not pay the old car off in a timely fashion which made it look like I had paid the car payment and then it was completely paid off in full BY XXXX XXXX XXXX XXXX!!!!!! THIS WAS NOT AT FAULT OF MINE!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX OWES US $ XXXX from bk noXXXX and illegally reporting tradeline after so.l. 
expired
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX client, XXXX XXXX is a victim of identity theft. A current XXXX, XXXX and XXXX  credit report reveals that a fraudulent application was submitted to CBNA/Best Buy with his information that resulted in an inquiry XX/XX/XXXX and XX/XX/XXXX that he did not authorize. In addition an application with CBNA/Sears was also submitted with his information XX/XX/XXXX. An official dispute of this information was sent certified mail to CBNA/Best Buy and CBNA/SEARS however a current credit shows these fraudulent inquiries are still listed which is a violation of the FCRA.
Product: Credit reporting or other personal consumer reports

Dispute of Unauthorized Credit Inquiries. 
To Whom It May Concern, I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : 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/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Basis for Dispute Section 611 ( 15 U.S.C . 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. Enclosed is a copy of my identification to verify my identity. I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Credit reporting or other personal consumer reports

I OBTAINED ACOPY OF MY CREDIT REPORT AND NOTICED MORE ACCOUNTS THAT I HAVE NO KNOWLEDGE OF HAS BEEN ADDED TO MY ACCOUNT. I CONTACTED THE CREDIT REPORTING AGENCIES BY PHONE AND CERTIFIED MAIL. I REQUESTED THAT THE ACCOUNT BE VERIFIED, AND THIS ACCOUNT IS UNVERIFIABLE BUT STILL BEING REPORTED TO MY CONSUMER PROFILE.

I HAVE NO KNOWLEDGE OF THIS CREDITOR AND HAVE NOT GIVEN WRITTEN CONSENT FOR THIS TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681.

FURTHERMORE, REPORTING ACCOUNTS DUE TO IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2.

REPORTING FRAUDULENT ACCOUNTS IS SEVERELY IMPACTING MY CREDIT AND THE CREDIT REPORTING AGENCIES HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY. REPORTING AN UNVERIFIED ACCOUNT IS IN VIOLATION OF 15 USC 1681 EB
Product: Checking or savings account

I authorized an online check payment on XX/XX/2022 to a business. The check was issued and mailed and someone forged the signature and cashed the check at another banking institution. I've completed all forms related to filing the claim multiple times. The Payee refuses to sign the affidavit but has indicated that they never received, signed nor cashed the check. 
My last conversation was with my bank Check who refuses to open the investigation because the payee will not sign their affidavit. Which I have zero control over. 
I am out {$1700.00} and Chase Bank refuses to assist because I can not get a signature from the intended payee on their affidavit. 

XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX Bank : JP Morgan Chase XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed inaccurate accounts on my credit report with XXXX, XXXX Equifax After the 30 day dispute I received an reponse to the credit dispute I ask for XXXX Eqifax XXXX to valadate The accounts through the physical verification of the original signed consumer contract which is required under frca section 609 a 1 A and they did not ..
Product: Credit card or prepaid card

For the transection XX/XX/2023 XXXX XXXX XXXX XXXX WA {$8000.00}, I returned the merchandise on XX/XX/2023, but so far I have not received the refund. The merchant asked me to call my financial institution so I called the bread Cashback card to ask about details. The bread Cashback card customer service agent over the phone helped me open the dispute and asked me to upload the supporting document here. I uploaded the return receipt. The bank told me that before dispute close, I'm not responsible for the payment of this transection. The dispute would close no later than 90 days. On XXXX, the bank posted XXXX dollars interest charge on XX/XX/2023 for this transection. On XXXX, the bank 's auto-pay system just automatically pull this transaction amount ( {$8000.00} ) plus the interest ( XXXX ) from my saving 's account. I contacted them about the dispute and they replied to me on XX/XX/XXXX that they are still investigating this issue. It has been more than their promised investigation time and I still have not received the refund for this transaction.
Product: Credit reporting or other personal consumer reports

My address is incorrect Credit Report Identity theft Statement : Identity theft means a fraud committed or attempted using the identifying information of another person without authority. Anything added to your report without your written consent could be considered Identity theft 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. second time putting them on notice. ignorance of the Law is not an excuse.
Product: Credit reporting or other personal consumer reports

i contacted theses credit reporting agencies multiple times to inform them of the multiple inaccuracies and illegal reporting and furnishings of the information i was presenting but have not received satisfactory response or legal documentation i requested. instead they continue to deny my right to dispute inaccurate misleading and illegal information that has already caused actual damages by sending a response of verified or we do not believe this is you when asking for the description of the procedures used to verify the response is noncompliant and unsatisfactory to the fcra the cfpb the ftc and even their own XXXX compliance standards
Product: Debt collection

I had a Credit Card with XXXX XXXX. I paid the amount off XXXX XXXX, XXXX. I have the actual checks that were cashed by XXXX and the actual original bill in XXXX. I have had them deleted off of my credit report by XXXX, XXXX and XXXX as it was proved to be paid in full. It has been deleted several times ; from XXXX County Court, XXXX as well as XXXX XXXX XXXX. They now are taking XXXX from my paycheck every 2 weeks. I do not owe this bill and I can not afford to keep losing money. They have a total of XXXX as of this week. I have all forms and documents to prove my case to fax it. Thank you for all your help.
Product: Debt collection

Subject : Complaint Against XXXX XXXX XXXX XXXX and LVNV Funding LLC for FDCPA Violations Details : I am filing a formal complaint against XXXX XXXX XXXX XXXX and LVNV Funding LLC for reporting a debt on my credit report without proper validation, in violation of the Fair Debt Collection Practices Act ( FDCPA ) and Massachusetts state law. The debt in question is for the amount of {$510.00} under Account XXXX. XXXX. 

I did not receive any 30-day validation notice as required by law, and I have requested full validation of the debt multiple times, including proof of the original creditor, a breakdown of how the debt was calculated, and proof that they have the legal right to collect in Massachusetts. To date, the company has failed to provide this information. 

This has caused significant harm to my credit standing, and I am requesting the immediate removal of this unverified debt from my credit report, as well as confirmation that all collection efforts will cease.
Product: Credit reporting or other personal consumer reports

I recently pulled my consumer report and saw items listed on my consumer report that I did not authorize. I sent a letter to Transunion to have the items fixed XX/XX/XXXX and have not received any response. Not only do any errors or omissions negatively affect me as a customer, but they also cast doubt on the reliability and efficacy of credit reporting in general. The importance and urgency of addressing this matter are highlighted by the larger context. 

Credit reporting provides guidance for many financial decisions and paths when completed honestly and ethically. However, when tainted by errors, it turns into a maze that ensnares gullible people. My request for correction is therefore an appeal to maintain the greatest levels of precision, justice, and professionalism rather than merely a simple resolution. I look forward to hearing from you in detail. 

I'm challenging inaccurate accounts listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I'm challenging inaccurate Inquiries listed below. 

( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX am addressing a series of violations under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws that have negatively impacted me. The key issues involve the reporting and handling of inaccurate, unauthorized, and deceptive information on my credit report, as well as noncompliance with various legal obligations. These violations include : Willful Noncompliance ( FCRA Section 616 ) : The agency accepted and reported inaccurate credit information about me without verifying its accuracy, exposing them to potential civil liability of up to {$1000.00} per violation.

Disclosure of Personal Information ( FCRA Section 603 ( d ) ( 2 ) ( A ) ) : My right to opt out of sharing personal information was not disclosed, which is deceptive and a violation of consumer rights.

Furnishing Deceptive Forms ( FCRA Section 623 ( a ) ( 3 ) ) : Inquiries and accounts were inaccurately furnished without proper validation, violating both the FCRA and accounting principles.

Violation of Debt Collection Practices Act ( FDCPA ) : The agency engaged in unfair practices by reporting unverified debts, leading to harassment and unwarranted contact from creditors.

Disclosing Debt Information to Third Parties : Debt collectors improperly shared my information with credit reporting agencies, violating regulations prohibiting such disclosures.

Reporting " Late Payments '' : Late payments were inaccurately reported without clear definitions or validation, making the entries deceptive.

Failure to Accurately Determine Finance Charges : Incorrect finance charges were reported, failing to meet the agencys responsibilities.

Reporting Without Consent : Information was added to my credit report without my written authorization, violating permissible purpose requirements under the FCRA.

Additionally, I identified and disputed several inaccuracies in my personal information and accounts, requesting immediate corrections. These include : Incorrect Personal Information : XXXX addresses ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) are inaccurately reported and must be removed. 
Account Errors : Specific accounts, including those with XXXX and XXXX XXXX, were reported with inaccuracies such as unvalidated late payments or debts. I requested validation under 15 U.S. Code 1692g and demanded proof of the alleged debts, including original agreements and authorization to collect, failing which the items must be deleted. 
I have demanded the correction or removal of all unauthorized or inaccurate entries and emphasized my expectation of a prompt resolution. Failure to address these issues will compel me to pursue legal action to protect my rights under the FCRA and other applicable laws.
Product: Student loan

My wife and I are both XXXX  XXXX veterans. While working on my XXXX XXXX, she became severely ill and I had to quit my program to care for her and our XXXX children. I have always been in contact with the creditors. Since leaving my program several years ago, it has been an un-nerving maze with parts of my loans being bought and sold. She is a XXXX female XXXX veteran with an acquired illness during an injury in XXXX. I need to move our family closer to medical facilities to prolong her life. 

Im on an income-based pay system with the loans and with almost no income, have no payments at this time. Multiple reports on all credit bureaus have my loans in collections, late, and other negative reportings. These are all untrue and are keeping my credit score too low to apply for a home near treatment.
Product: Credit reporting, credit repair services, or other personal consumer reports

This CFPB complaint is for you to notify that I want to request the complete accuracy of the accounts listed here. I am disappointed about this issue and for this reason, I want you to conduct an immediate investigation to update these information with the correct accounts on my credit report. I am submitting this CFPB complaint in response to the recent investigation. I do not agree with the findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting this information on my report and because of this I am now asking the Credit Bureaus XXXX XXXX Balance Owed : {$510.00} - Your listing contains multiple errors that are significantly damaging to my credit score. The balance, payment status, and date of last payment that you have reported are all incorrect, and I dispute their accuracy. Let me be clear : I have never been late on any payments, and I have always made my payments on time. Therefore, I demand that you update my credit report immediately, as required by law, to reflect the accurate information. XXXX  XXXX XXXX Balance Owed : {$0.00} - It has come to my attention that the item on my credit report is not only inaccurate but also completely false. The account in question is closed with a zero balance, yet it is being reported as past due. I demand that you rectify this error immediately, as this false reporting is significantly damaging to my credit score and reputation. XXXX XXXX XXXX XXXX XXXX : {$2800.00} - This account 's payment history and status are disgustingly inaccurate. A charge-off MUST show a big fat zero balance, no exceptions! Your careless mistake is screwing up my credit and I won't tolerate it any longer. Either provide solid proof of the last payment, or get this garbage off my file ASAP! XXXX XXXX Balance Owed : {$160.00} - The payment history and status on this account appear to be inaccurate. According to policy, a charge-off should have a balance of zero. This misinformation is negatively affecting my credit, and I kindly request that you provide proof of the last payment. If this can not be provided, I would appreciate it if this information could be removed from my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

The year XXXX of this year where my information was stolen from different sources that uses equifax and XXXX and XXXX union reports was compromised and breached from the systems. Please fix all reports to match what is accurate.
Product: Debt collection

It is a violation of Hippa law for medical records to be shared without the consent of the consumer. I did not give the creditor consent to share my information with a third party. I dont not owe any debt to the creditor or to the third party. my insurance covers the cost of all visits to doctors