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

I am writing to formally request the blocking and deletion of all accounts and inquiries listed below, as I am a victim of a data breach. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I have the right to request the removal of any information associated with identity theft. 
Accounts to be Deleted : XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$0.00} XXXX  Account Number : XXXX Date : XX/XX/XXXX Amount : {$680.00} XXXX  Account Number : XXXX Date : XX/XX/XXXX Amount : {$680.00} XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$1500.00} Inquiries to be Deleted : XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX
Product: Debt collection

On XX/XX/XXXX a cease and desist affidavit was sent to American Express with return receipt. American Express has continued to contact me. I requested validation of the debt and I have not received a response from AMEX. 

AMEX has numerous violation of the FDCPA and TCPA- Telephone Consumer Protection Act of XXXX. Civil penalties listed for 36 violations of 15 USC 1692 {$36000.00}, 44 violations of {$27000.00} for a total of {$65000.00} AMEX did not have my prior written consent to call me. 
AMEX misrepresented a credit of XXXX as a debt. 
AMEX threatened to ruin my reputation by reporting late payment to credit reporting agencies. This is identity theft because they didn't have my permission to report anything on me.
Product: Credit reporting or other personal consumer reports

Consumer : XXXX XXXX XXXX XXXX XXXX known as XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXXXXXX XXXX, Texas XXXX I want these inquiries to be deleted from my credit report. I did not authorize these companies to run my credit report that is fraudulent. I do not have lines of credit with any of these companies and never applied. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX. 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 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 XXXX XXXX XXXX XXXX XXXX XXXX
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. 

XXXX XXXX, XXXX, XXXX, XXXX, 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: Credit card or prepaid card

Short version : Bank of America temporarily refunded me for 2 fraudulent charges. About a week later, Bank of America closed my fraud claim without notifying me, reversed the temporary credit, and has not shared why their investigation was decided against me. 

Detailed Version : On XX/XX/21, I noticed a suspicious pending charge for {$55.00}. The suspicious charge did not have a discernable name on it and, since it was pending, I could not review further information about the charge. I immediately called Bank of America and the agent informed me that the charge was at a gas station. I informed the agent that the charge was fraudulent, as I had not purchased gas that day and that I had not given anybody permission to make the transaction. The agent then listed some other charges to my card and, in doing so, pointed out a {$120.00} charge from XX/XX/21. The agent said that this charge was at a XXXX gas station. After some back and forth, the agent submitted my claim and assured me that I didn't need to do anything else. The next day or so, I received temporary credit for the fraudulent charges. 

On XX/XX/21 or so, I noticed that my claim was marked as closed through the Bank of America app. I did not receive notification of this through any of the methods I selected in my preferences. My temporary credit was still present on the account, at the time, so I assumed that the claim was decided in my favor. Importantly, I never received a request for supporting documentation from Bank of America. 

On XX/XX/21, Bank of America issued two charges titled " FRAUD DISPUTE '' to my card. These charges were in the amount of the two fraudulent charges that I reported. Later, after speaking to an agent, the agent confirmed that my case was closed against me. Upon request, the agent provided me a fax number to upload documents to appeal Bank of America 's decision. The agent did not report why the fraudulent charges report was decided against me. 

On XX/XX/21, I filed a police report for the two instances of credit card fraud. I received a PDF copy of my report on XX/XX/21 and faxed it, as well as other supporting documentation, to the provided fax number. The fax was successfully sent, per my faxing device. 

On XX/XX/21, I called Bank of America. After being transferred between departments for over an hour, I was finally able to ask if my faxed documents had been attached to my claim. The representative stated that she couldnt see any attached documents but suggested to call again on Monday ( 5 days after submission ). Notably, the representative said my case is marked as open, though my account shows the claim is still closed. 
I am filing this complaint with the CFPB because Bank of America is holding me responsible for fraudulent charges. Bank of America has been provided ample information about the fraudulent charges and their dismissal of my calls is frustrating. I recognize that the individual agents that Ive spoken to likely can not remedy the fraudulent charges on their own but, by filing this complaint, I hope that these instances of fraud will be directed to the correct person ( s ).
Product: Money transfer, virtual currency, or money service

Was making payments via barcode or paynearme.com service
Product: Credit reporting or other personal consumer reports

Recently, I reviewed my credit report and found one account to be inaccurate, which I am disputing. Under 15 U.S. code 1681e ( b ) Accuracy of the report, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual to whom the report relates.15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. XXXX ( XXXX : XXXX ) is not late and should be corrected to " paid as agreed. '' Please change it to " paid as agreed '' and never late thanks. I expect these inaccuracies to be corrected immediately. Failure to address these issues promptly is a violation of the Fair Credit Reporting Act ( FCRA ), and I will not hesitate to take further action if necessary.
Product: Credit reporting or other personal consumer reports

RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error. ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. ( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didn't notify me 21 days before with a statement so there should be no late payments on this account. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this is clearly a billing error. The items below should all be updated to paid as agreed on my consumer report. 

XXXX XXXX - XXXX - " You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission. '' XXXX XXXX - XXXX - " You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX XXXXnd Federal Trade Commission. ''
Product: Credit reporting or other personal consumer reports

Between XX/XX/XXXX and XX/XX/XXXX, XXXX, XXXX, and Experian have all reported negative items of accounts that doesn't belong to me nor bare my signature. I've filed police reports regarding these issues and submitted them to both the consumer agencies and the companies that have reported to the consumer agencies. 

Experian has removed, but since reported again the same accounts in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... MLH ( Original Creditor : XXXX XXXX ) XXXX ... XXXX XXXX ( Original Creditor : 08 CAPITAL ONE BANK USA N A ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

y Type Individual CXXXX XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX, TX XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX  XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual Permissible Purpose CREDIT TRANSACTION Please remove the following addresses from my account. I have never lived at the addresses listed below nor have I given anyone authorization of these addresses. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Reported XX/XX/XXXX Other Address XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Reported XX/XX/XXXX Date Reported XX/XX/XXXX Other Address XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Reported XX/XX/XXXX Also please remove phone number XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I include it once more. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/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 XX/XX/XXXX
Product: Bank account or service

I would like to pay HSBC BANK OFF!! BUT I CAN NOT PAID THEM, THE CREDIT CARD DEBT. BECAUSE I AM IN FINANCIAL DISTRESSED AND UNABLE TO PAID THE FULL AMOUT DUE EACH MONTH, BUT I AM ABLE TO PAID SOMETHINGS. I REQUESTED A HARDSHIP PROGRAM, AND THEY DENIDED ME THE HARDSHIP PROGRAM, THREE TIMES.
Product: Vehicle loan or lease

In XXXX of 2024, I was behind in my loan agreement and called to set up some payment arrangements. After talking with a supervisor, she set me up with an arrangement which consisted of a payment of {$340.00} for XXXX  months. I was in agreement and I had to pay {$25.00} to get this started, though it seemed odd because I had just paid them {$300.00} a few hours before. I have been continually making these payments for the last XXXX months and when I logged into my account I noticed that my payment arrangement was no longer showing on the account. I also noticed that they continue to charge me a {$13.00} late fee. I called them and wanted to know what was going on with my account and was told that I would have to do another arrangement and that even though I had just made a {$350.00} payment I would need to pay another XXXX to set this up.I asked to speak with a supervisor and was given the run around that they weren't available and they would call me back in XXXX to XXXX hours. This has happened before and the supervisor never returns the call and I have to call them back. With what they are doing my vehicle will not be paid off in the XXXX  months I was originally told it would be because though my monthly payment brings the balance down it goes up at the same time with the late fees they continue to charge. And I shouldn't have to pay an additional {$25.00} to make arrangements that were set back in XXXX because they say their arrangements are only for XXXX ( XXXX ) months though I wasn't told that in the beginning. I live on a fixed income of XXXX and I agreed to {$340.00} for XXXX  months not lets renew this every XXXX  months at an extra {$25.00} I don't have. That and they shouldn't continue to charge late fees that will put me past the XXXX  months to XXXX or XXXX at an additional cost of almost {$600.00}.
Product: Checking or savings account

I got several calls from Chase XXXX XXXX business relation XXXX XXXX XXXX XXXX for CD promotion rate 4.88 % and thinking about opening it if they can do DocuSign for signing up this product.

I cancelled the plan to open because Chase can't do it the same date XX/XX/ we schedule for a Zoom meeting. Without any documents given to me, signature of any forms from me, the new CD account was open without my authorization nor acknowledgement. 
We then got a letter in the mail saying our account would be restricted then closed soon if we don't sign the documents from Chase. 
XXXX I wrote an email to Chase XXXX XXXX to escalate the issue seeking for help when I were on the trip overseas and ask for postpone on the account restrictions and closure. I didn't get a positive resolve, then I wrote a compliant to CEO 's email get a reply from XXXX XXXX XXXX 
Till today, Chase hasn't done anything to investigate what happened nor resolve the restrictions they threaten to us then closing our account of their mistake. I was told over the phone Chase can't start looking into it if this case is not resolved XXXX with XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I demand these unauthorized fraudulent inquiries be removed from my credit report : 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 XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, 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, and XXXX XXXX XXXX  XXXX. 

XXXX  remove these addresses from my credit report that I've never lived at : XXXX XXXX XXXX XXXX, VA XXXX, XXXX XXXX XXXX XXXX, VA XXXX, and XXXX XXXX XXXX XXXX, VA XXXX ALSO remove all derivatives of my name from my credit report and only update my report with XXXX XXXX XXXX. Thank you for your attention to this matter.
Product: Credit card or prepaid card

I have a loan with BANK OF AMERICA. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and BANK OF AMERICA with no successful resolution. XXXX is only reporting me late. There was definitely an error on their part. I was never days late.
Product: Debt collection

From XXXX until now XXXX XXXX XXXX university trying to cost me money that I dont have to pay, which is trying to cost me money for the XXXX  XXXX  insurance, the amount is XXXX dollar, the educational institution ( XXXX XXXX University ) claiming that I do have to repay the amount which is XXXX dollar, I was not at school at that time in Fall XXXX, so how the university trying to make me pay an amount that I did not receive any product from them at all! So the situation getting escalating, the XXXX XXXX University hired the collection agency ( Credit World Services , Inc ) XXXX XXXX Collection Specialist XXXX XXXX to pay almost XXXX dollar, I told to the collection agency I dont owe the university money! The collection agency ( Credit World Services, Inc ) keeping calling me in my phone many times! I am exhausted and trying to explain them many times!
Product: Credit reporting, credit repair services, or other personal consumer reports

I began aggressively disputing the below accounts in  XX/XX/XXXX , I however have been disputing the accounts since  XX/XX/XXXX  XXXX  when they first appeared and was reporting positively because they are not my accounts.  <P/>  1 )    XXXX   XXXX  / XXXX   XXXX   2 )   XXXX   XXXX  My initial dispute online was I had no knowledge of the accounts. I had  one   XXXX  account that is closed and positive and no knowledge of  XXXX  at all.  <P/> In response the credit bureaus  1  ) told me the debt was valid,  2 ) r eported it as fraud  3  ) there 's another account with similar information as mine and asked me to send in identify evidence which I did.  <P/> Because of their response, and due to my confusion as to how you can say its valid and fraud and say I may have  2  reports, I then sent  TWO  letters  (   XXXX  and  XXXX   XXXX  ) asking for validation for the debt since they were stating it was a verified not validated debt.  <P/> What I received in response was a letter stating to call the company and a letter stating no changes would be made because they verified the account but a temporary fraud alert would be placed. I was even told my dispute was frivolous because I asked how can they determine a account is valid but say its fraud all in the same breath.  <P/> Nonetheless, NO ONE FROM THE BUREAU HAS GIVEN ME PROOF WITH MY SIGNATURE THAT I OWED The DEBT NOR HAVE ANYONE BEEN ABLE TO JUSTIFY THE REPORTING OF AN ACCOUNT BEING FRAUD BUT VALID.  <P/> FCRA rules states that it is the reporting agencies obligation to defend the accuracy of the information THEY are reporting. It is NOT the consumers obligation to call the creditors to figure out what is going on. Nor is it ethically moral to tell someone their inquiries are frivolous especially when I have legit concerns with the reporting of inaccurate information.  <P/> Inaccurate reporting is occurring because :  1 ).  They claimed it is a fraud account but also said they were able to validate it.    2 )  The bureau claimed to have investigated the validity of the account, but have been unable to furnish undisputable evidence, with my written signature, of such validation and it is now 60 days into the investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian several times in XXXX of 2021 to remove all incorrect addresses on my credit report, however the agents said they were unable to do so.
Product: Credit card or prepaid card

Many tender of payments have been made to Capital One and none of them applied..also Capital one has caused me injury by constantly reporting false statements to my credit report when they are the ones that are in dishonor by not applying my payments. According to UCC 3-603 even if the payments are rejected, ignored or otherwise they are still valid and the debt has to be dicharged. Capital one has further caused me harm by closing all my accounts when payments were tendered. Ive written to Capital one to have the interest they are holding on behalf of the principal account XXXX XXXX XXXX applied to the debt and that also has not been done.