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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Email : XXXX XXXX : XX/XX/XXXX SSN ( last four digits ) : XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date : [ Insert Date ] Subject : Dispute of Fraudulent Account with XXXX XXXX XXXX  Dear CFPB, I am writing to formally dispute an account that has been inaccurately reported as belonging to me with XXXX XXXX XXXX. The details of the account are as follows : Account Details : Account Number : XXXX Account Type : Credit Card Date Opened : XX/XX/XXXX Current Balance : {$1400.00} Payment Status : Late 120 Days This account is fraudulent and is not mine. I have not authorized any transactions or applications with XXXX XXXX XXXX. As of XX/XX/XXXX, I have contacted all three credit bureaus regarding this matter but have yet to receive any resolution. 

Relevant Laws Supporting My Request : Fair Credit Reporting Act ( FCRA ) : Under the FCRA, consumers have the right to dispute any information in their credit report that they believe is inaccurate or incomplete. The credit reporting agencies must investigate and respond within a reasonable time frame. 
Fair Debt Collection Practices Act ( FDCPA ) : This act protects consumers from deceptive practices by debt collectors and ensures that they do not report information related to debts that do not belong to the consumer.

Identity Theft and Assumption Deterrence Act ( ITADA ) : This law addresses identity theft and provides consumers with tools to combat fraudulent accounts and activities that may appear on their credit reports. 
I am requesting the immediate removal of this fraudulent account from my credit reports and demand a thorough investigation into this matter. Please notify me of the actions being taken to resolve my dispute. 

Thank you for your prompt attention to this serious issue. 

Sincerely, XXXX XXXX
Product: Debt collection

I was in a motor vehicle accident. The other vehicle ran a red light t-boned me and destroyed my vehicle. I was transported to the emergency at XXXX regional by ambulance when I arrived the insurance girl started that the person who was at fault would cover the visit so she wouldn't need my personal medical insurance card ( which I tried giving her by the way ). She said motor vehicle accidents would be covered by the auto insurances in the law suit which is still open. The collection agency contacted me at a later date stating that I owed the amount for the ER visit and I explained to them what happen and gave them my lawyers number and name. Never heard back from anyone next thing I noticed I was in collections for the amount of the Er bill.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly Investigate my disputes regrading inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that CFPB take action to ensure Experian complies with the necessary proof of investigation. Accounts are listed below. 

Account Name : XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I became aware of my credit score dropping ~100 points in early XX/XX/XXXX. I requested a copy of my credit report and found that I had a mark for 60 days past due on a joint Citizen 's account that I had closed several months prior ( I believe in XX/XX/XXXX ).

I am frustrated and feel I am not at fault for this delinquency, due to the following facts : 1 ) The account was closed several months ago, and at that time showed a {$0.00} balance both on the checking account and the overdraft line of credit. Why would Citizen 's allow an account to be closed if it has an outstanding balance? Why would they not let me know at the time of closure if there was an outstanding balance? 

2 ) Even though I closed my checking and overdraft accounts, they still showed up in my Citizen 's Bank Online account page. They continued to show a {$0.00} balance, so I had no way of knowing that I owed anything. Even after calling several times to close the account, it still appears on my online account. I have attempted to close this account at least twice and the associate on the phone confirmed it was closed. However, it still chows on my online page with a XXXX balance. 

I proceeded to contact Citizen 's Bank customer service on XXXX via the XXXX number and immediately arranged payment for the outstanding amount of {$40.00}, which I was not aware was outstanding. I then called back asking how I could remove the mark from my credit score. After being transferred to no less than 5 departments after about 40 minutes, I asked to speak with a manager in the collections department and was connected with a woman named XXXX. She said I could submit my request to her via email which I did on XXXX. I never heard anything back, and called to request followup information on another day in mid-XXXX. The woman I spoke with took notes on my account and noted that prior conversations had been documented and that I should receive something in the mail to confirm receipt of my complaint. I never received a letter in the mail, so I emailed the collections dept at Citizens to confirm they received my initial email. I have received no response from any of these efforts. 

Finally, I would like to note that I am moving to North Carolina in the coming months and plan to purchase a home, which will require a mortgage. The timing on this could not have been worse, as it has negatively affected my credit score by 100 points. This obviously means a worse interest rate, costing me thousands of dollars -- over a missed payment for {$40.00} which I was never made aware of. 
Please remove the mark from my credit score as I do not believe I was properly made aware of the outstanding balance, and paid it off as soon as I was made aware ( through my own investigation after a significant mark on my credit report ). I have made over a decade of on-time payments to citizens bank and all other financial institutions with which I have done business. I have worked very hard to get my credit score above 800.
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam, Carrington illegally furnished information to consumer reporting companies that our account was delinquent, rather than current, even though our loan was under an approved Covid-19 forbearance. 
Carrington also falsely told us that we would be assessed or had been assessed late charges while under forbearance.

Enclosed you will find evidence showing that : 1.We applied for and were approved for a Covid Forbearance for a VA XXXX XXXX XX/XX/XXXX, to XX/XX/XXXX. 

2.Carrington Mortgage violated the CARES Acts and illegally reported our loan as late to the credit bureaus for the exact months our loan was under the Covid-19 Forbearance for XXXX, XXXX, and XXXX of XXXX despite the written notifications that stated : You are currently on a Covid-19 Forbearance plan. You are not required to make any payments during the Covid-19 Forbearance period. In addition, you will not be assessed late charges, receive adverse credit reporting and there will be no foreclosure action during the Covid-19 forbearance period.

This has caused us considerable damage, emotional distress, and delayed family projects. 
3.Carrington Mortgage demonstrated willful negligence and gross non-compliance with the CARES Act when we informed Carrington of the errors and they did not correct them. Instead, the representatives misled us to believe that the Covid Forbearance program is no longer in existence. However, your website ( XXXX ), as of the date of this letter, states the program is active and available until XX/XX/XXXX. 

4.Additionally, we were deceived about our repayment options ; Carrington attempted to put us in a loan modification that increased our monthly payment by more than 60 %.

5.Carrington Mortgage has a history of deceptive acts and practices under the Consumer Financial Protection Act with regards to mortgage forbearances and subsequent action was taken
against Carrington Mortgage by the Consumer Financial Protection Bureau for these very same violations in XX/XX/XXXX. Despite the order to repair the faulty business practices, they continue. 
Enclosed are the following articles of evidence : 1.The written statement from Carrington Mortgage regarding our approved Covid Forbearance. 
2.The mortgage statements with the Forbearance Notice for the months of XXXX, XXXX, and XX/XX/XXXX. 
XXXX recent copy of our credit report showing the falsely reported lates for XXXX, XXXX, and XX/XX/XXXX. 
4.Carringtons attempt to overcharge us for a loan modification.

Records of our attempts to resolve the errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

One of the laws that deals with identity theft in the United States is the Fair Credit Reporting Act ( FCRA ), specifically outlined in 15 USC 1681. This federal law sets out rules and guidelines for how consumer credit information is collected, shared, and utilized. It also provides mechanisms for correcting any errors in credit reports, which can be critical for protecting my reputation and financial well-being. 

Identity theft, when carried out using my personal information, could lead to defamation of my character because the thief 's actions might tarnish my credit history and financial reputation. For instance, if the identity thief uses my information to open fake accounts, default on loans, or engage in criminal activities, these actions could be attributed to me by creditors, potential employers, and others who might perform background checks. As a result, my ability to secure loans, find housing, gain employment, or make significant financial decisions like buying a house or starting a business could be seriously hindered. 

As I'm working towards buying a house and establishing a business, having a strong financial reputation is crucial. Lenders, landlords, and potential business partners often assess my creditworthiness and character before entering into agreements. If someone has stolen my identity and used it for fraudulent purposes, it could result in financial liabilities that I'm not responsible for, which could negatively impact my credit score and overall reputation.

Considering 15 USC 1681, a part of the Fair Credit Reporting Act, this law offers specific protections for consumers like me whose credit information has been compromised. It includes provisions for accurate credit reporting and avenues to dispute incorrect information. These measures are vital in rectifying the harm caused by identity theft and preventing further damage to my character and financial prospects. 

Identity theft involves someone using my personal information without authorization, such as my name, social security number, or financial details, for fraudulent purposes. This act can have serious consequences both legally and personally, including potentially damaging my reputation, which is a form of defamation. Defamation refers to making false statements that harm someone's reputation, and in the case of identity theft, it can happen when the thief uses my stolen identity for illegal activities, which can damage my character and stand in the community.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I had unrecognized inquiries on my account and reported it as fraud so that they could be removed from my credit report. The problem has been solved. But Im filing this report just in case this may happen again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under my name. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be a claim that constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute IsFrivolous or irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent noncompliance [ 15U.S.C. 1681o ] a person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ran my credit unauthorized. I have no idea what company this is or how they got my information.
Product: Debt collection

i recieved collections notice XX/XX/2022 for a debt i had paid for in the last couple years. the problem im having is i paid this debt with a checking account with the bank XXXX XXXX. they are no longer a active bank and i cant find the records.
Product: Checking or savings account

I was charged a {$35.00} overdraft fee on XX/XX/XXXX even though my account was positive {$45.00} dollars. Bank of America deliberately waited to process certain charges so that my account can temporary be negative and then charge me an overdraft fee, thus putting me into an even bigger debt hole. Bank of America has done this exact processing action MULTIPLE times, and it is even confirmed online by doing a simple XXXX search.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report .Please remove these accounts from my credit report, they are hurting my ability to obtain credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Actually to 15 USC 1681 I am entitled to an accurate credit report .Yo are reporting information on my credit with out my permission according to15 USC 605B also you are violating 15 USC 1640 you fail to send me proof that this debt exis along with a purchase agreement and detail billing of amount payment history contract wit my mark after asking for it.You are also committing identity their.This is the sixth time I ve requested proof and still nothing You also reporting everything different on each credit bureaus which is a violation
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account with out my written instructions
Product: Bank account or service

On 6 occasions in the last 5 months, my debit card has been declined for " unusual activity '' at Bank of America. I have called on numerous occasions to determine the reason for the fraud alert, as the transactions have always been in my local area, within what any reasonable person would consider normal activity, and for low dollar amounts. Upon an inquiry/complaint call, I had asked for a supervisor to research the reason for the decline and to return my call with the results. However, I did not receive any further communication from Bank of America. On a subsequent debit card freeze, this oversight was mentioned to the representative, but I was not offered a specific explanation as to why the transaction was deemed " suspicious. '' On the most recent occasion ( today ), I was told that the error was a " mismatch, '' which was explained as the merchant not using a EMV chip reading device. However, my card is swiped at many merchants, and these fraud alerts are not triggered. Furthermore, I have traveled to various locations in the US during my relationship with Bank of America, and never once has a single transaction been flagged for potentially suspicious activity. I contacted Bank of America to compile every occurrence in order to accurately complete this complaint, but I was told that Bank of America associates do not have access to retrieve that data beyond XXXX XXXX, XXXX. However, I was able to filter through my e-mail account and retrieve all e-mails that were sent to me on each occurrence of a suspicious activity alert. I feel that these declines were malicious and targeted, especially considering my warning to Bank of America that a complaint would be filed should this situation occur again. It is incredibly embarrassing to have a card declined at a merchant when funds were always available in the account and this has occurred on numerous occasions in such a short period of time. 

The dates this issue occurred ( since Bank of America is unable to adequately supply this information ) are : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX I find it ( and Bank of America should, too ) ridiculous that a consumer must experience so many issues with his/her debit card and that nobody took the initiative to research and provide a valid solution. This issue was left to continue for an indefinite period of time, even after frustrations have been communicated.
Product: Credit card

I purchased a product through XXXX, but due to a shipping error by the seller, I did not receive the item. As a result, I filed two claims through XXXX. 

The first claim was for {$1400.00}, and I won the case through XXXX, successfully receiving a refund. 

The second claim was for {$3400.00}, out of which I initially received a {$650.00} refund from the seller, but I have not yet received the remaining {$2700.00}. To resolve this, I filed a dispute with Chase, which is still in progress. 

However, despite XXXX officially processing my refund, Chase arbitrarily claimed that the refund was an " over credit '' and forcefully rebilled me {$2100.00}, charging the amount back to my account. 

I have contacted customer service multiple times, explaining that they are mistaken and requesting a correction. However, they refused to assist me and even forcibly disconnected my call. 

To put it simply, the {$1400.00} and {$650.00} refunds I received from XXXX were legitimate, and I am currently waiting for the outcome of the {$2700.00} dispute. In the meantime, Chase rebilled the previously refunded {$1400.00} + {$650.00} = {$2100.00}. 

Even though these are completely separate transactions, Chase insists that the {$2100.00} is part of the {$2700.00} case, which is incorrect.
Product: Credit reporting or other personal consumer reports

First and foremost, I am brand new to the world of credit. I have never owned, acquired or applied for any such credit card, loan or financing under my social security number. Upon creating an account with XXXX XXXX and XXXX, I noticed that I have a total of three hard inquires under my TransUnion Credit Report that are absolutely not mine again, I am new to the world of credit, and I am not sure if there is some sort of identity-theft taking place, or if my account is being mistaken for another. Please help me resolve this issue. My case number is XXXX. 

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I called the customer service line for Macy 's credit card, at : XXXXXXXX XXXX XXXX  XXXX XXXX XXXX and spoke to an agent for about XXXX minutes. I informed the agent that I received notice of a collections agency attempting to collect a debt from me in regard to a Macy 's account. I informed the agent I did not open this account. The agent told me I have to call the debt buyer XXXX XXXX XXXX XXXXXXXX to inform them of the fraudulent account.
Product: Checking or savings account

I opened an acc ount with HSBC, and was supposed to get a {$100.00} referral bonus, plus a {$250.00} bonus for having a combined {$ 35000.00} in checking and brokerage account. I spoke with a rep who helped set everything up and confirmed it was ok. However, I did not receive the aforementioned bonuses. Additionally, t hey changed the fee structure on top of all this. I therefore moved out the funds and incurred a {$95.00} fee. ( added to this, I was not reimbursed the {$50.00} fee for moving the funds in ).
Product: Credit card or prepaid card

Case # XXXX. Still waiting for the check. Contacting PayPal and getting help is almost impossible.
Product: Credit card or prepaid card

I just keep trying and trying to get Bank of America to work with me and lower my monthly payments. They refuse to work with me or state they can not lower the payment. My family is going through something traumatic. I get the same call from a guy named XXXX when I do complain. But I never call back due to the fact of what my family is going through, Im in hospitals all the time and cant talk. I just want a letter of what the heck they will do to help me.