23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

In XX/XX/2024 Bank of America contacted me about some suspicious charges on my credit card account. I called Bank of America about this problem and they explained that someone in XXXX at a place called XXXX Charged {$620.00} on my credit card. I was told that this amount would be removed from my credit card. I thought it was over. It was not, Bank of America told me to submit a dispute with them about the amount I did so again. Now Bank of America is sending me invoices for the charged amount that I did not make. 


I have been a customer of Bank of America for 25 years. They have a record of any purchases I have made in the past. I have never been outside of America and I dont own a passport. I feel that they are trying to take advantage of me but they wont get away with this. It is not right. So, therefore a fair resolution should be to remove the charges from my credit card, cancel the card as I have asked and stop harassing me for these charges. The amazing thing about this situation is that Bank of America reached out to me about this unapproved charge so they know I did not make these charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to request a reinvestigation of the information contained in my credit report, specifically regarding the mortgage account XXXX XXXX XXXX XXXX XXXX XXXX. This request is made in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information.

I recently reviewed my credit report and noticed inaccurate information related to this account. I believe this inaccuracy is adversely affecting my credit report. I request that you reinvestigate the completeness and accuracy of every piece of information related to this account. If any information is found to be inaccurate, I ask that it be promptly removed from my credit report. According to 15 U.S. Code 1681i, if you are unable to verify the accuracy of the information within 30 days, I request that the account be deleted from my credit report. Additionally, under 15 U.S. Code 1681e ( b ), I ask that you ensure all procedures followed in including this information are reasonable and guarantee maximum accuracy. 

Furthermore, you are reporting a late payment on this account for XX/XX/year>, which is incorrect. I was not late on [ month, year ]. I request that you verify the information and update the payment history on this account as " PAID, NEVER LATE '' immediately. 

Please send me the results of your investigation and an updated credit report reflecting any changes via mail once it is complete. I appreciate your time and attention to this matter and look forward to your prompt response.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Date of Birth : XX/XX/XXXXXXXX  SSN : XXXX Date : XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX Dear Sir/Madam : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( s ) : XXXX XXXXXXXX Incorrect Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Correct Information to Be Reported : Full Name : XXXX XXXX XXXX Correct Date of Birth : XX/XX/XXXX Correct Social Security Number : XXXX Correct Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX TX XXXX I have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report. 

Additionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities.

Request for Investigation and Procedures Pursuant to Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation. 

Additional Request Please note that any automated response generated through the e-OSCAR system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements. 
I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above. 

Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section 611 of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within 30 days, as required by law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

FTC Report attached : Per FTC a police report is NOT required. 

I was incarcerated XX/XX/XXXX to XX/XX/XXXX in XXXX prison booking # XXXX. 
Any accounts or inquiries opened between these dates I did not open. 

I should have absolutely no credit established in my name. 

I have included the FTC report and copies of my credit reports.
Product: Checking or savings account

Good evening, I will try to make this as short as possible ; taking out emotion and giving facts only. 

XX/XX/2021- my tenant writes a check for her rent. {$400.00} She banks with XXXX  XXXX XXXX XX/XX/2021- I mobile deposit the check in front of her and hand the check back to her for her records. 
We live at the same residence. Her being in control of the check, never being late or having prior issues, built trust to hand her back the check. She still deserves the trust. This issue is not a result of negligence Unbeknownst to her and ( and I ) the check was stolen. 
On XX/XX/2021 the same exact check, endorsed by me, was deposited into an account at JP Morgan Chase Bank. Fraudulently. 
My tenant noticed it right away and called her bank. 
XXXX  XXXX XXXX reversed the fraudulently cashed check. My check remained valid. 
On XXXX XXXX I received an email from my bank XXXX ( XXXX XXXX, XXXX ) stating that they had reversed the check that was deposited on XXXX. 
I called my roommate immediately to see if they stopped payment on the wrong check. 
She called XXXX  XXXX XXXX, confirmed they had not stopped payment nor received funds from my bank. 
I called my bank. Started a fraud claim. Stride took the money out of my account and sent it to Chase. 
My tenants account was never credited for my reversal, Chase Bank will not talk to me. Ive spent 3 hours on the phone, gone to the physical branch, and went to XXXX all to no avail. My bank points the finger at Chase. Chase points the finger at anyone else. XXXX XXXX XXXX has no idea whats going on. 
I know there is information about the thiefs account on the back of the check. There is a batch number, a branch location. I know they could figure this out- who stole the check, who deposited it, and where my money is. Thing is, no one will help me! 
Stride says contact the issuer. The issuer is showing the cleared check to me at stride. They reversed the Chase deposit. How did XXXX end up giving my money to Chase? Why wont anyone help me?! Ive filed a police report. Ive done everything I can in my power to fix this. I need intervention from someone with a stronger fist than me. I want to press charges. I want my money back. I need this resolved.
Product: Debt collection

I have previously disputed this debt as I do not and have not had an account with the original creditor. They could not provide the requested verification in the form of a contract or other agreement for services or even an affidavit of assignment, which is not surprising since this is not my debt. The last name is not even spelled the same on the " printout '' they sent to me. They removed it after I disputed it and ultimately filed a complaint. However, I just checked my credit report to see that they have again put it on there even though it is n't mine. this is getting quite ridiculous. Debt collection companies should not be allowed to put false information on your credit report repeatedly. RECEIVABLES PERFORMANCE MANAGEMENT IS HARSSING ME ABOUT A DEBT THAT IS N'T EVEN MINE!!!!!!!!!!!!
Product: Consumer Loan

I had a payment for a loan with Net Credit due on XXXX XXXX, 2015. I called to pay off the entire balance of the loan but had to use a different checking account than the one I was using for the loan. The representative for Net Credit advised I would need to mail a check from the different bank account in and it would need to be processed for me to use a that different account. I then asked if I could pay with a debit or credit card and the representative advised I could. I told the representative I would call back on XXXX XXXX and pay off the loan with a debit card because it would be quicker than going through the process of paying with a check. The representative advised that she would make a note that I would call back and pay off my account on the XXXX. She told me the amount would be {$3900.00}. 
I called today, XXXX XXXX, to pay off the loan. I was told the balance was {$4100.00}. I was told the account accrued interest since XXXX XXXX. I advised the representative I called on the XXXX and attempted to pay off the debt with a check and was told I had to mail in a check and the check would be processed. I told the representative that I was advised to call back because paying with a different check would take longer than paying with a debit card and I was not told interest would accrue on the account in the meantime. The representative told me that it is a contractual agreement that interest is accrued when payment is not made. I told the representative, and the manager, I attempted to pay the debt on XXXX XXXX with a check and that the time it takes them to process a check it not my responsibility. They accept checks as a payment option, the representative on the XXXX advised me otherwise, and I should not be charged interest when I attempted to pay the debt on the XXXX. 
XXXX, the manager, then told me I also stated I would pay off the balance on XXXX XXXX. I asked XXXX if the interest I was being charged since XXXX XXXX or for me being one day late from the day I stated I would call back to pay the balance in full? XXXX advised the interest was from XXXX XXXX to today. I told XXXX multiple times that I should not be held responsible to pay interest when I attempted to pay the debt on XXXX XXXX but I was still charged the extra {$170.00}. If needed, I did record the conversation and can provide a copy.
Product: Credit reporting or other personal consumer reports

It's really alarming to see something on your credit report that isn't supposed to be in there, it's making me so anxious that there are inquiries which I believe to be fraudulent that I don't recognize nor applied to. I did not gave authorization or consent for these companies to access my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 Dear Consumer Federal Protection Bureau, Please be advised that I have never filed a complainant against a credit card company ever before. 

My XX/XX/XXXX account mainly serves as a vehicle for XXXX XXXX Purchases which ends in the number XXXX was compromised with XXXX XXXX Visa card by XXXX with an unauthorized charge against my XX/XX/XXXX credit card on XX/XX/2021 by XX/XX/XXXX ONE TIME FOR A TOTAL CHARGE OF {$540.00} DOLLARS. 

This unauthorized charge by XX/XX/XXXXWAS NOT APPROVED BY THE COMPLAINANT NOR DO WE KNOW HOWXX/XX/XXXX OBTAINED MY XXXX XXXX XXXX XX/XX/XXXX VISA CREDIT CARD. 

This compromised security breach of XXXX XXXX XXXX XXXX VISA XXXX CARD had caused harm by suspending my purchases opportunity at XXXX XXXX AND RECEIVING A CREDIT REPORT ACTIVITY ALERT FROM MY DISCOVERY CREDIT PROGRAM. MY DISCOVERY IDENTITY THEFT MEMBERSHIP HELPS ME STAY INFORMED ABOUT THE CHANGES TO YOUR CREDIT REPORT. RECENTLY, DISCOVER IDENTITY THEFT PROTECTION PROGRAM RECENTLY, DETECTED ACTIVITY THAT NEGATIVELY IMPACTED DAMAGES TO MY CREDIT HISTORY SINCE XXXX XXXX XXXX XX/XX/XXXXVISA CREDIT CARD SENT OUT THIS DAMAGING REPORT THAT MY CREDIT CARD WAS OVER LIMIT. 

I had called the XX/XX/XXXX representative to report this illegal unauthorized charge and the representative stated they would remove the {$540.00} dollar charge and re-issued another credit XX/XX/XXXXXXXX Visa Card which arrived in the mail on XX/XX/2021. 

I had talked with the XXXX Representative on XX/XX/2021 regarding my suspension of charge card privileges and my credit report negative activity alert which I explained has damaged my credit card history by all 3 credit bureaus, including XX/XX/XXXX credit agency. The XXXX Representative says they can not do anything about there negative reporting against me that I am over my credit limit to 3 reporting credit agencies. 

XXXX Legal says they are investigating many other complainants, some class action XXXX s ) investigations surrounding these issues and randomly lowering customers credit limits without notification to the customer card account owners causing hardships and other financial penalties which do occur. 

I pray that the Consumer Financial Protection Bureau will order XX/XX/XXXXto remove there false negative credit reports to all 3 credit bureaus due toXX/XX/XXXX Compromising my credit information and allowing XX/XX/XXXX the capability to approve this illegal unauthorized one time charge of {$540.00} dollars. PLEASE INVESTIGATE XX/XX/XXXXPOLICY AND PRACTICE TO APPROVE THERE UNAUTHORIZED CHARGES AGAINST XX/XX/XXXX CUSTOMERS. 

THIS NEGATIVE FALSE OVER THE LIMIT REPORTING HAS CREATED DAMAGED MY FINANCIAL OPPORTUNITY TO RE-FINANCE MY HOUSEHOLD MORTGAGE AT A MUCH LOWER RATE OF INTEREST. 

I HAVE A CREDIT RATING IN THE LOWERE XXXXXX/XX/XXXX RANGE. 

THANK YOU AND XXXX BLESS.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT MY INQUIRIES PLEASE DELETE THIS. I NEVER AUTHORIZED THIS AND IT IS NOT LINK TO ANY OF MY ACCOUNTS. I HAVE NEVER APPLIED UNDER THOSE INQUIRIES
Product: Debt collection

I just received a hit on my credit report for {$79.00}. But when I look at my credit report its for 2 different amounts. {$79.00} and {$80.00}. Its from a cbe group. They are with charter communications which I have never had. I have never received a bill from this company. Nothing in writing or no phone calls about this debt. They are stating Its from XXXX  but I have no knowledge of this debt or I would have investigated it.
Product: Debt collection

The original creditor XXXX XXXX XXXX has recognized this item as identify theft and no longer reports to the credit bureaus, or has been blocked from reporting by the credit bureaus. XXXX XXXX XXXX is a third party debt collect they sold the debt to before the investigation was complete. Because the original creditor recognizes this account for what it is, I request that the third party debt collector, XXXX XXXX XXXX  do the same, and either voluntarily stop reporting, or the Credit bureaus should recognize this as party of the original debt that has been resolved and block XXXX from further collection attempts including credit reporting.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX, XXXX, I submitted a dispute to Equifax ( Confirmation # XXXX ) under my rights provided by the **Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i and 1681i ( a ) ( 1 ) ( A ) **, requesting an investigation into inaccurate information on my credit report. 

On XXXX XXXX, XXXX, Equifax confirmed the completion of its investigation and stated that the disputed information was **verified as accurate**. However, Equifax **failed to provide the documentation used** to verify this information. 

On XXXX XXXX, XXXX, I submitted 2 additional disputes ( Confirmation # XXXX, XXXX ). That same day, Equifax responded, confirming the investigations were completed and the disputed information was **verified as accurate**. However, again Equifax **failed to provide the documentation used** to verify this information.
Product: Credit card

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 Chase Bank Card Member Service XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear CFPB, XXXX XXXX XXXX XXXX  I purchased the use engine for {$2200.00} at XXXX from XXXX XXXX XXXX. On XX/XX/2023 I called and talked with XXXX ( cancellation department ) to ask about cancellation and charged. XXXX told me that it should not be charged since I just submitted the order. I listened to XXXX XXXX to cancel but It was not what she told me. XXXX XXXX XXXX was charged for restocking fee {$550.00}. 
XXXX XXXX  XXXX was lying. They did not have engine in stock, they failed to ship to customer in a week, they failed to guarantee the engine was XXXX mileages, they did not have engine for restocking fees, extremely very bad customer service. 

XXXX XXXX XXXX SUMMARY DATE & TIME OF ORDER : Ordered completed at about XXXX on XX/XX/2023 DATE OF CANCELED : Canceled completed at about XXXX on XX/XX/2023 CONVERSATIONS WITH REPRESENTATIVE PEOPLE Talked to XXXX XXXX customer representative on XXXX  regard to cancellation and refunds. XXXX informed that it will be full refund since order just submitted Talked to XXXX XXXX sale representative engine was in stock and ready to ship. Promise that customer will receive in one week. After order, was told that customer will receive engine in 3-4 weeks. 
Before ordered, customer was told engine was only XXXX miles but after ordered customer was told it was not guaranteed that engine was XXXX miles
Product: Credit reporting, credit repair services, or other personal consumer reports

This collection account ( XXXX XXXX  ) is a fraudulent account, i dont recognize this account, I want it removed from my XXXX and transunion reports, i have sued XXXX and won my case because XXXX has leaked all my personal information on the dark web, and my information was compromised, I have fraudulent accounts show up on my credit reports and I have been disputing these accounts constantly, I want this account deleted and blocked from my report, im tired of my name being used to open an accounts in my name, and please no fraud alert on my report thank you
Product: Credit reporting

I believe that XXXX XXXX XXXX XXXX ( XXXX ) is reporting a debt that ( 1 ) should be removed due to Case XXXX and ( 2 ) they are parking/re-aging the debt by not reporting the actual date of last payment. 

I sent XXXX a letter that requested that XXXX XXXX XXXX XXXX ( XXXX ) remove a Trade Line from my credit reports pursuant to the Federal Trade Commission vs. XXXX XXXX and XXXX XXXX XXXX Case XXXX. 

I included copies of the following pages for thier convenience : Page XXXX - Court Case ListingPage XXXX & XXXX - Specific Credit Card Programs included in this order listing " XXXX '' and XXXX, including its successors and assigns. 
Page XXXX - Specifically Paragraph XXXX which states that within 60 Days of the Order, ALL affected trade lines shall be removed from credit reports. 

I provided XXXX reference numbers, original account numbers, and personal identification information. 

The letter also informed XXXX that all XXXX Credit Reporting Agencies deleted the original XXXX issued by XXXX. If The Original Creditor ( XXXX ) could not validate, resulting in Trade Line removal, then certainly XXXX ca n't validate. 

XXXX responded to my letter XXXX/XXXX/15 and stated that they " deny that our records are inaccurate '' and stated " you did not provide sufficient information ''.
Product: Debt collection

I have repeatedly requested documentation for this alleged debt from LVNV Funding, but they do not respond. I do not have any record of this debt, although LVNV shows it as being from a period where my ability to manage my finances was reduced due to illness. I have offered to pay the full {$430.00} just to have it removed from my credit report, but LVNV does not respond to my offer. I am attempting to purchase a home and this entry by LVNV significantly impacts my credit score and my mortgage search.
Product: Debt collection

I received a letter a week ago from a debt collecting company ( Dynamic Recovery Solutions ) declaring a debt verification for the amount of {$11000.00} that I have to respond within 30 days from the date of the letter before they decide to make it a valid debt. The date of the letter was made on XXXX XXXX, XXXX ( 30 days makes it by XXXX XXXX, XXXX ) and it stipulated that the date of the account of the debt was from XXXX XXXX, XXXX. Before and after receiving this letter, I did not receive any calls nor any other letter from this company or companies regarding this matter. I called office number that they provided in the letter and requested to speak with a representative that speaks XXXX because my English is not that great. When I was transferred, the call gets immediately sent to voicemail and it also said that it was full so I am unable to leave a message. I had my son try to speak with them in English but they wanted me to speak with them directly which causes a problem because I have trouble understanding. They did not leave enough time for me to defend or to make a claim. I know this debt is false because recently, I had a credit report done on XXXX XXXX, XXXX and while looking through my past information, I have no information from this company nor from any debt collecting agency that is tied to the account from which they are trying to collect from.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act, XXXX XXXX XXXX acct # XXXX has violated my rights 15 u.s.c 1681 section 602 a States I have a right to privacy 15 u.s.c 1681 section 604 A Section 2 states a states a consumer reporting agency can not furnish an account without my written instructions
Product: Debt collection

I called XXXX on XX/XX/XXXX or XXXX of XXXX and explained to them that I would like my final bill for the amount owed. I also was very affirmative that I would NOT pay the amount that they're requesting I pay due to how I forced to purchase a brand new phone on XXXX, XX/XX/XXXX. I agreed to pay them {$200.00} for the bill but I did not agree to pay them back for a phone that they FORCED me to purchase even though I had insurance. This was a whole scam and I may not can tell it inside this little box that you'll are asking all the information for but if you got me in person or on the phone, I bet you I could.
Product: Mortgage

XXXX erronously opened an escrow account w/o my authorization. There was a gap in Homeowners Insurance that was corrected and paid in full. A new in force policy was provided to XXXX timley. My loan # is : XXXX ; the property address in : XXXX XXXX XXXX, XXXX XXXX, CA XXXX. This is the second complaint I have filed. I filed complaint # XXXX on XXXX XXXX XXXX XXXX. I have heard nothing from XXXX or the CFPB re my prior complaint.,