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

I had my bank account opened for 7 years with no fees ( just required one monthly transfer from checking to savings ).

However 3 months ago with no notice I started getting billed {$12.00} a month for a " Monthly Maintenance Fee ''. 

I called up bank of america and they said the new requirements to avoid the monthly fee was to maintain a {$1500.00} balance in the account which I quickly made sure to do, however bank of america is refusing the refund the {$36.00} in fees.
Product: Credit reporting or other personal consumer reports

I have reviewed a copy of my credit report again after trying to rectify it previously, and I still notice the same fraudulent accounts even after submitting my police report and the credit bureaus still not send me any verifications that I have signed any contracts with said collectors. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Debt collection

I originally disputed this account with XXXX and XXXX XXXX account number # XXXX. I informed the company this was not my debt. At that time I was told that I would not be having this on my credit. Long story short it was on my credit report and now a debt collector has obtained this debt and is harassing me for money. {$180.00} payment. I informed ERC I am the victim of identity theft and I was informed by XXXX XXXX I need to re file a police report. I explained I would not be refilling any more police reports as I previously filed already. I never contracted with ERC or XXXX XXXX XXXX for services and no longer wish to be harassed by these debt collectors and I did not give my consent.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : DEPTEDXXXX Account number : XXXX Account name : DEPTEDXXXX Account number : XXXX Account name : DEPTEDXXXX Account number : XXXX Account name : DEPTEDXXXX Account number : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding an inaccurate and unfounded negative remark reported by Bank of America on my credit report. 

Despite multiple efforts to resolve the issue directly with Bank of America, I have been unable to make progress. I have called numerous times and even visited one of their physical branches at their suggestion. I provided all requested identifying information, including my full name, Social Security number, date of birth, and the complete account number. However, Bank of America has informed me that they are unable to locate my account in their system, which according to the credit reporting agencies was closed by the bank in XX/XX/XXXX. 

I have attempted to escalate the situation to someone who may be able to retrieve my information, which is presumably archived, but no one is able to assist when I call XXXX XXXX, the number that appears on the credit report. I have explained that I have evidence of the accounts existence and activity, including the last email I received of the online statement notification dated XX/XX/XXXX- this email included the balance at the time and last XXXX digits of the account number. I Also have a printout from Bank of America 's online system showing that the account had been paid in full as of XX/XX/XXXX. 

I have requested to be connected with a department or provided an email address where I can submit these materials and formally explain my situation, but no one has been able to assist me. Bank of America has effectively left me with no pathway to resolve this internally. 

The negative reporting is directly affecting my credit score, and most urgently, it has caused the mortgage company to quote me an interest rate XXXX points higher than I would otherwise receive if this inaccurate remark were not reflected on my credit report. I have requested that the remark be removed, as it is materially impacting the terms of a {$1.00} XXXX home loan I am in the process of finalizing. This inaccurate reporting is causing serious financial harm. 

I respectfully request that the CFPB investigate this matter and assist in having this error removed from my credit report immediately. I am prepared to provide all supporting documentation, including screenshots and statements, upon request. 

Thank you for your assistance in resolving this matter.
Product: Payday loan, title loan, or personal loan

The loan was for XXXX. They are charging XXXX XXXX  interest and debit my checking account {$320.00} every XXXX weeks until XX/XX/2023. I was under the impression this was XXXX  a month and didnt know the interest was so high! This is definitely predatory lending.
Product: Debt collection

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the 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 information is inaccurate.
Product: Debt collection

I have an entry on my credit report from XXXX XXXX XXXX it says that I owe XXXX. I called them and they said I owe this money for XXXX or XXXX XXXX that I had done 2019. They wanted my personal information and I asked them how I can get this out of my credit report and kept asking for personal information. They would not give the original merchant and I believe this is a scam. I have had NO medical procedures of any kind during 2019. I am asking for this to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax : Remove wrong the details from my Credit report. 

Please review the attached letter from XXXX.
Product: Debt collection

I have requested validation and still yet to receive. I have not had any credit cards to over 7 years this is inaccurate
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections. 

The items in dispute are as follows : Inquiries : XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX XXXX Date of inquiry : XX/XX/year> XXXX XXXX Date of inquiry : XX/XX/year> Late Payment : XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX** XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, MD XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, MD XXXX Previous Address XXXX es ) : XXXX XXXX XXXX XXXX XXXX, ND XXXX Also Known As : XXXX, XXXX, M Employers : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have authenticated over the phone that a person in the executive team rapidly sent a correspondence without completely doing their due diligence. The conversation started with the amount owed for XXXX of XXXX. The amount has tripled. They claim that their XXXXXXXX XXXX is no longer in effect. The XXXX XXXX was over many months ago. In fact it should have not been in effect since they closed my account and also caused delinquency. The gentleman that I spoke to started to then go backwards to XXXX of XXXX in which he said I made charges. I asked him did I pay the bill and he authenticated that I did. Then we started moving forward to the months after that and he authenticated that payments were made. Then he skipped all the way to XXXX in which he started to all the previous months and tried to change the conversation. He claimed I didn't make the payments. Meanwhile I said that XXXX XXXX  XXXX didn't allow me to make payments, canceled my card and in addition hurt my credit score. This same gentleman wanted to talk about XXXX and not talk about the issueXXXX XXXX XXXX XXXXXXXX was the fastest to respond and I asked him if he listened to the voice recordings and do his due diligence. He ignored the question. We spent 1.5 hours talking about subjects that he wanted to avoid. 
Regardless he claimed the case was closed and I said how can the case be closed if he hasn't done all his full due diligence. He then admitted that he needed to do more research. I mean seriously ... You conclude and then say you need to do more research. 
Regardless I have submitted and uploaded that I have made payments to this website and I also proved to XXXX XXXX XXXXXXXX and they still refuse to accept that they have made massive hurtful errors to me and my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 SyncB hard inquiry on credit score not authorized by me
Product: Mortgage

Lender without my authorization pulled a hard credit inquiry of my credit report before funding. Loan processor confirmed it would be a soft inquiry but was a hard inquiry.
Product: Debt collection

To Whom This May Concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency. 
I have never been notified of this collection action or that I owed the debt. 
This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. 
Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debt. 
Agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
Complete payment history on this account, to prove that the amount you wish to collect is correct. 
I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company. 

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

The credit bureau failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. XXXX - XXXX EQUIFAX - XXXX XXXX - XXXX
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023
Product: Money transfer, virtual currency, or money service

I am filing a formal complaint against Cash App XXXX XXXX XXXX XXXX ) due to unauthorized transactions and their refusal to fully reimburse funds taken from my XXXX  XXXX XXXX account. Despite multiple attempts to resolve this issue with their support team, including correspondence with a specialist named XXXX, Cash App has failed to provide a full refund and has inconsistently addressed the disputed charges. 

Summary of the Issue : Since XXXX, I have identified at least four investigations related to my old Cash App account ( $ XXXX ), where a total of {$400.00} was placed but remains inaccessible. 
Unauthorized transactions totaling {$3700.00} were withdrawn from my XXXX XXXX XXXX account without my authorization. 
While Cash App refunded certain transactions that occurred on XX/XX/XXXX, they refuse to take responsibility for others within the same timeframe. 
Despite providing evidence of unauthorized transactions, Cash App refuses to issue a full refund or explain their selective reimbursement process. 
I have attached relevant correspondence from Cash App, including their refusal to account for certain charges while refunding others from the same period. Given their lack of transparency and failure to address the full scope of my complaint, I am requesting the CFPBs assistance in ensuring Cash App provides a complete refund of the stolen funds. Heres the cash repoert. After review, our team has found XXXX dispute to be refunded in your favor in a total of {$400.00} to your Cash App Balance. This includes the following payments : - {$50.00} - XX/XX/year> at XXXX XXXX - {$60.00} - XX/XX/year> at XXXX XXXX - {$50.00} - XX/XX/year> at XXXX XXXX - {$50.00} - XX/XX/year> at XXXX XXXX - {$31.00} - XX/XX/year> at XXXX XXXX Additionally, our manual review of your remaining disputes and account information has confirmed that the disputes were fraudulent or false. As a result, we have concluded that your disputed transactions were authorized and that no error occurred. This includes the following transactions : - {$210.00} - XX/XX/year> at XXXX XXXX - {$320.00} - XX/XX/year> at XXXX XXXX - {$6.00} - XX/XX/year> at XXXX XXXX - {$65.00} - XX/XX/year> at XXXX XXXX - {$220.00} - XX/XX/year> at XXXX XXXX - {$17.00} - XX/XX/year> at XXXX XXXX - {$12.00} - XX/XX/year> at XXXX XXXX - {$510.00} - XX/XX/year> at XXXX XXXX - {$510.00} - XX/XX/year> at XXXX XXXX - {$150.00} - XX/XX/year> at XXXX XXXX - {$510.00} - XX/XX/year> at XXXX XXXX - {$820.00} - XX/XX/year> at XXXX XXXX
Product: Checking or savings account

Wells Fargo opened up a checking and savings account in my name and without my knowledge in XX/XX/2011 and maintained these accounts until XX/XX/2011. Deposits where made and withdrawals.
Product: Debt collection

XXXX XXXX calls me AT LEAST once a week and threatens to sue me for my uncollected debt. They call and dont announce themselves just ask to verify my birthday and address in a very non-secure manner. Theyve used abusive and explicit language on the phone with me over the past 1 year and continue to call me although I do NOT have a sign contract or agreement with their company. Ive told them to leave me alone and they continually harass me. I need to leave me alone so I can have some peace of mind. 

Theyve also assigned my minor account over to an attorney over our disagreement but once again I DO NOT have an agreement or contract with Portfolio Recovery so I have no idea why theyre calling me harassing me trying to collect money that isnt owed to them. When they bought my debt from Capital One it became their problem, not my problem anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX  has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the 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 information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX Consumer # XXXX Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the 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 information is inaccurate.
Product: Debt collection

I am filing a complaint against Ability Recovery Services XXXX. They are reporting negative information on my credit report. There is a collection account listed in the amount of {$140.00}. I have done further research and noticed that they are violating XXXX XXXX   State Licensing Requirements. I have attached proof from the XXXX  Department of Insurance ( License Services ) website. I am requesting for this account to be removed from my credit report
Product: Credit card or prepaid card

My social security XXXX was direct deposited on my XXXX card on XXXX XXXX 2017. I was visiting XXXX ok with my son. When I got home I noticed the card was missing and reported it. The company sent me a new card. Now Incomm sent me a letter refusing to credit my account. Someone stole my card and withdrew XXXX and XXXX within two minutes from an atm. I never gave permission or my pin to anyone. I need this money to live on. I am XXXX. Please help. I am attaching the letter Incomm sent. 

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

I previously dispute inaccurate and incomplete bankruptcy entry on my credit report, Transunion refuse to correct inaccuracies in my report regarding Bankruptcy entry. It is a direct violation of FCRA for the XXXX to not disclose the furnisher of information. The entry of bankruptcy on my report is inaccurate. I Attached the letter from the Bankruptcy court that explicitly details that they do not furnish any information to credit bureaus. I disputed with Transunion. Transunion must delete the bankruptcy for violation of FCRA Section 1681i ( a ) ( 1 ) ( A ). Under FCRA I Have right to maximum possible accuracy as the law states : " reasonable procedures to assure maximum possible accuracy '' but Transunion does feel that they are above the law. So instead of deleting the entry, XXXX double down on not deleting. I want this bankruptcy deleted from my credit report because Transunion violate the law.
Product: Credit reporting or other personal consumer reports

I dont reside at the address enlisted on Experians website which is displaying information that is causing grave harm to my credit, and personal life. I would like it to be removed immediately.