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

I am a victim of a Data Breach and Identity Theft. Please block and delete the following accounts within XXXX business days under the Fair Credit Reporting Act Section 605B, 15 USC 1681c-2. Please block and delete the following accounts : XXXX. XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX  Open Date : XX/XX/XXXX XXXX. XXXX XXXX  XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX  XXXX XXXX  Open Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX  XXXX  Open Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX  XXXX  Open Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX  XXXX  Open Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX
Product: Checking or savings account

I received, in XXXX 2022, a postal letter from Bank of America ( attached to this complaint ) offering a " {$300.00} Checking Offer '' by 1 ) opening " a new Bank of America XXXX Banking account by XX/XX/2022 '' using the " unique offer code '' and 2 ) setting up and receiving " Qualifying Deposits totaling {$4000.00} or more into that account within 90 days of account opening ''. Although I had a Bank of America credit card, I had never had a bank account with Bank of America prior to receiving this letter. As per the letter, I opened the account online ( at bofa.com/SpecialOffer ), entered the unique offer code ( XXXX ) and instructed my two employers to deposits my paychecks to this newly-create Bank Of America checking account. 

I opened the checking account on XX/XX/2022 and had my first paycheck/direct deposit of {$4100.00} on XX/XX/2022. I had a second paycheck/direct deposit ( from my second employer ) of {$5500.00} posted on XX/XX/2022. As per the terms of the offer, sixty ( 60 ) days have passed since satisfying all the requirements, but the {$300.00} bonus was not deposited into the account. 

Over the last few days, I called 4 times, wasting more than XXXX hours with customer representatives, trying to get this issue looked into and resolved, without success. I was told that the offer did not exist and that they could not find it in my account or on their system. I was given other phone numbers to call, only to be redirected to the same customer service. A presentative even hanged up on me while researching the offer code. Today, XX/XX/2022, I went to my local branch with the same result : they could not find the offer and requested that I call a customer service representative. 

I am extremely disappointed with this turn of even and the time I have wasted on attempting to resolve this issue. Had I not received this letter from Bank of America, I would not have signed up for this bank account nor would I have asked my employer to send my paychecks to it. I actually thought that I would make my Bank of America my main bank service provider, along with XXXX XXXX, but this experience is making me reconsider that choice...
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX card not showing up on my 3 credit reports and they are reporting in excellent standing. The last report date to the bureaus was XX/XX/XXXX. Account was open XX/XX/XXXX last card XXXX are XXXX. All 3 bureaus said they didn't get the info, but XXXX said they're reporting.
Product: Debt collection

Ive disputed the same account multiple times but to not avail. I disputed an account on XX/XX/2020 with XXXX XXXX XXXX XXXX. 
and never received any follow-up communication from the company to validate or further the investigation on my request. 

I called them yesterday XXXX XXXX XXXX ) because I settled a debt with the same original credit furnisher XXXX capital one ), not realizing that they were two separate accounts. They told me that the account was still in dispute status for {$900.00} dollars, and is still being reported to The CRAs as accurate information ( as of the XXXX of XXXX XXXX even though its in dispute status. 

I told the manager that, by law, they are required to make a determination within 30-45 days but is has been reported ( since XXXX, 2020 ) that the credit is accurate. They didnt do their due diligence and refuse to take any further actions. The lady even stated that they had 90 days to make a decision and they were giving me more time due to the pandemic, which is not upholding the law, but also not a circumstance I asked them to make.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : XXXX  is incorrectly reporting fraudulent inquiries that resulted from identity theft as a factual record of file access ( see attached credit report ). This is a Violation of Section 605 of the Fair Credit Reporting Act ( FCRA ). The aforementioned fraudulent inquiries Fail to meet the criteria of a factual record of file access. The fraudulent inquiries were the result of identity theft and do not serve a permissible purpose ( see attached police report ). 
Based on the listed inaccuracies, XXXX Failed to verify the information contained in this report. This is a Violation of Section 605 of the Fair Credit Reporting Act ( FCRA ).

Provisions of Sections 606 & 609 of the FCRA require XXXX to provide the following information to any consumer : How did XXXX verify the inquiries? 
Name the source of information. 
Provide a copy of the executed application your source sent to verify that the inquiry was authorized. 
Provide Permissible Purpose for the Fraudulent inquiries. 
Provide a copy of the wet signature used that verifies the inquiries. 
Provide proof of a proper investigation. 
XXXX failed to adequately investigate Fraudulent inquiries listed as a factual record of file access. All the Fraudulent Inquiries Must Be Deleted. As per the rights afforded to me by the Fair Credit Reporting Act ( FCRA ). I am requesting that the information being reported in my XXXX Credit report be Corrected. 

Best regards, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have never done business with XXXX XXXX XXXX. I have never given them my social security number or my signature. And the it's reporting on all three bureau 's I am using the permissible purposes law 15 USC 1681b. To remove from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasnt approved so it prompt me to check my credit report. These items listed are not mine and need to be removed. XXXX  XXXX {$110.00} XXXX XXXX XXXX {$300.00} XXXX XXXX XXXXXXXX {$680.00} XXXX XXXX {$2800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX credit reporting agency to dispute three inquires that are fraud because i never request them. Two of them thru XXXX XXXX were done on same day XX/XX/2022. The other from XXXX on XX/XX/2022 they were never requested by me Fraud. I also have Three accounts XXXX  XXXX XXXX, XXXX, XXXX part of Identity fraud report from FTC was submitted to credit reporting agencies and accounts havenot been deleted .I was told XXXX can not dispute and i must get in contact with does companies directly and get a removal code. But when i call the say they don't see any application under my name.
Product: Credit reporting or other personal consumer reports

, XXXX, and equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX, XXXX, and equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.
Product: Checking or savings account

Someone used my debit card to send {$2000.00} to XXXX through a company named XXXX. I did not authorize this transaction nor I know anyone from that country. Bank of America denied my claim Claim number XXXX
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, XXXX U.S.C. XXXX ( a ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. I am trying to buy a house for me and my family and these accounts are hindering. Can you please remove them. I have already contacted FTC
Product: Credit reporting or other personal consumer reports

So I received two late payments for the months of XXXX and XXXX of XXXX due to fraudulent activity on my Barclays master card. Those chargers started in XXXX of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX During this time I was incarcerated from XXXX, XXXX XXXX until my release of XX/XX/XXXX. I have the documentation showing these dates and when I furloughed from XXXX XXXX to XXXXXXXX XXXX XXXX on XX/XX/XXXX. I Also made a police report on XX/XX/XXXX about these activities.
Product: Checking or savings account

On XX/XX/2018, I opened a personal checking account online with BB & T Bank. After some complications and inability to log into my account online, I tried to call them. Each time I called the only number that I could find to reach them, I waited very long and had to give up before reaching a person. Finally on XX/XX/2018, I spoke to a customer service representative after waiting around 45 minutes. I do not remember her name. Due to a few reasons, ( one mainly being my overall experience with the bank already ) we decided that I would not keep the new account and I would get my opening deposit of {$50.00} back. I explained that I was unable to visit the local branch since I was traveling abroad very soon and would not be back to Florida in the near future. The name XXXX XXXX and phone number XXXX were given to me saying she was from my local branch and would follow through with closing my account and getting a check mailed to me. 

On XX/XX/2018 I received an account statement in the mail, indicating to me that the account was still open and I'd been charged a {$12.00} maintenance fee on XX/XX/18. 

On XX/XX/2018 I called the local branch and XXXX was out. I spoke to a man named XXXX. He tried to help me, but said I'd have to come in to the branch. I explained that I'm now in California and have no plans for returning to Florida. I asked to speak to the manager and he  told me that she, XXXX, was busy and would call me back soon. I called XXXX number 3 hours later and left a message saying that she never called me and to please get back to me. 

I never heard back from her and have not received my opening deposit back. I have no way of visiting a local branch since there are none in California. I still have no online access to the account. I attempted to take back my remaining {$38.00} by using the Debit card, but its been closed by them.
Product: Checking or savings account

On XX/XX/2024, Capital One Bank blocked all the funds from my checking account because they needed to verify their origin and all payments from my employer. 

They requested a phone number to confirm my employment, but XXXX XXXX XXXX I provided doesn't work for them because it's an automated system, and they demand a phone number to talk to an actual human being. 

I went to one of their bank coffee branches with all my original payslips, but still, that wasn't good enough for them ; they kept asking for a phone number and weren't open to any other option to verify my employment. I also provided an email address and fax number. 

In the meantime, all my funds are entirely blocked, and I can only access them once they decide to unblock them, which at this pace will never happen. They have yet to be able to provide a solution and keep asking me to call over and over again for no purpose ; I've called five times and gone to the branch twice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reviewed my credit report and noticed that there were a few companies reporting that I have no knowledge of.I have not given written consent to XXXX XXXX XXXX XXXX XXXX company nor have I done any business nor received any goods from this company. As a FEDERALLY PROTECTED CONSUMER, I demand that this account gets removed immediately. I also ask that my CONSUMER report gets updated immediately. I also ask that this company provides proof that I have given written consent for them to report on my CONSUMER report.Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX credit card is on my credit card, I have contact all three credit bureaus about this, it has been over 30days, I have not received a response..this account do not belongs to me, I did not open this account..I don't sign any agreement to have this account open in my name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I tried to dispute a credit card charge to on XX/XX/19 online at chase.com.  ( XXXX : XXXX # XXXX XXXX XXXX ) After filing out 4 pages of Q & A I hit submit. It came back with " Itlookslikethispartofoursiteisn'tworkingrightnow. Please try again later. Thanks for your patience. '' I tried again on XX/XX/19. Same not working response. Tried again on XX/XX/19. Same not working response. I tried again on XX/XX/19. Same not working response. 

1 ) Why doesn't CHASE tell me that this part of their website doesn't work BEFORE I fill out 4 pages of Q & A?

2 ) Why is CHASE.COM website dispute function not working for 2 weeks? How long has it not been working? 

I complained about this on XX/XX/19 to XXXX XXXX and her supervisor XXXX and basically got told that those web functions are somebody else 's responsibility and I couldn't complain to them.
Product: Checking or savings account

In XXXX, I called Capital One to inform them that I wanted to revoke XXXX authorization to XXXX, XXXX and block them from future withdrawals. XXXX, XXXX was notified of this weeks prior. Capital One issued a provisional credit for {$310.00}. Later they reversed this credit stating that they completed their investigation and considered the matter closed. 

Authorization to the merchant was revoked. They were blocked. That money should be returned to my account. A consumer has the right to revoke authorization at any time with ample notice to the merchant and bank and yet Capital One refused to do so.
Product: Credit reporting or other personal consumer reports

Re : Failure to Remove Medical Debt from Credit Report in Violation of Federal Regulations Dear CFPB Complaint Intake : I am writing to file a formal complaint against Experian for its continued reporting of medical debt on my credit report, which violates recent federal regulations concerning medical debt reporting.

Specific Complaint Details Regulatory Background On XX/XX/year>, the Consumer Financial Protection Bureau finalized a rule prohibiting the reporting of medical debt on consumer credit reports.

Persistent Reporting Despite the clear federal mandate, Experian continues to report a medical debt of {$730.00} on my credit report, which was originally placed by XXXX XXXX XXXX XXXX. 
Circumvention Attempt The collection agency appears to have attempted to circumvent the new regulation by reporting the debt just days before the law 's implementation deadline.

Documented Communication Efforts I have previously attempted to resolve this matter through direct communication with Experian. A certified letter detailing my dispute was mailed with the following USPS tracking number : Tracking Number : XXXX XXXX XXXX XXXX XXXX XXXX  This certified mailing included : Copy of my state-issued identification Copy of my social security card Credible bank document for verification Detailed dispute of the medical debt reporting Ongoing Harm The continued reporting of this medical debt : Negatively impacts my credit score Violates the spirit and letter of the recent CFPB regulation Causes undue financial and personal stress Demonstrates a pattern of willful non-compliance with federal regulations
Product: Mortgage

XXXX has caused me and my Family, Financial Distress and harm, XXXX, irreparable harm ( Loss of home is irreparable harm ( XXXX XXXX XXXX.v XXXX XXXX . XXXX. & XXXX XXXX XXXX XXXX ( XXXX Cir.XX/XX/XXXX : Civ Code 3387 ) by the following actions of Fraud, Deceit, Misrepresentation1 ) Unlawfully Foreclosed while transferring Loan to another servicer ( Dual Tracking violating CC2923.6 ) 2 ) I was denied a single point of contact violating CC2923.73 ) False Documentation Violating CC2924.174 ) Violating standing Requirements CC2924 ( a ) ( 6 ) 5 ) Violating FHA Loss Mitigation Rules ( 24CFR 203.500-681 ) Face to Face Meeting requirement6 ) Improper substitution of trustee ( XXXX v XXXX XXXX Cal.APP XXXX XXXX ( XX/XX/XXXX ) 7 ) ROBOSIGNING Violating CC2924.17 ( XXXX v. XXXX XXXX XXXX XXXX XXXX8 ) Backdating and Invalid assignments CC2924 ( a ) ( 6 ) 9 ) Falsely Stating XXXX was Lender, Investor, Beneficiary.
Product: Credit reporting or other personal consumer reports

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX Balance : {$14000.00} ; XXXX XXXX  XXXX XXXX : {$1400.00} ; XXXXXXXX XXXX XXXX XXXX : {$670.00} ; XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Debt collection

Compliance Department Midland Credit Management XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Response to Inquiry Regarding Account [ Account Number : XXXX & XXXX ] Dear Compliance Department, Thank you for your letter dated XX/XX/year>, addressing my inquiry through the Consumer Financial Protection Bureau ( CFPB ) regarding the above-referenced accounts. I appreciate your detailed response, and the accompanying documentation provided. 
I have carefully reviewed the information and documentation regarding the account. However, I would like to raise the following points for further clarification : 1. Verification of Debt and Supporting Documents : o While I acknowledge receipt of the account summary and related documentation, I am requesting more comprehensive proof of ownership of the debt by Midland Credit Management, including a copy of the purchase agreement or relevant documentation evidencing the transfer of ownership from the original creditor. 
2. Statute of Limitations : o Your response indicated that the account is still within the applicable statute of limitations. Please provide the specific statute of limitations applicable to this account, as determined by the governing state laws. 
3. Reporting to Credit Bureaus : o I appreciate that the account is being reported as disputed in accordance with the Fair Credit Reporting Act ( FCRA ). I request confirmation that no further adverse actions will be taken until the dispute is fully resolved. 
4. Cease Communication : o As stated in your letter, communication at the email address or phone number provided in my inquiry has ceased. Please ensure that no further contact regarding this matter is initiated through any other means unless required by law. 
I expect your response within 30 days of receipt of this letter, as per applicable federal and state regulations. Please send all future correspondence regarding this matter to the address listed above. 
Thank you for your attention to this matter. Should you require further information from my side to address my concerns, please feel free to contact me in writing. 
Sincerely, XXXX XXXX
Product: Debt collection

As a federally protected consumer I'm seeking proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature in wet ink, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) 15 USC 1692 ( f ) and USC 1692 ( g ) in this alleged matter. 2 ) What is your authorization of law for your collection of information? 3 ) What is your authorization of law for your collection of this alleged debt? 4 ) Please evidence your authorization to do business or operate in the state. 5 ) Please provide proof of the alleged debt, including specifically the alleged contract or other instrument bearing my wet signature. You have 7 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( XXXX ) in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. I can't obtain housing or employment due to the violations on my credit file. Failure to respond within 7 days of this letter will begin my small claims action against your company. I will be seeking { {$5000.00} } in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attaching property or funds to satisfy the judgment. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) will be notified regarding this alleged debt.