23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 

XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX WY XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$600.00} ; XXXX XXXX Balance : {$390.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX ;
Product: Credit reporting or other personal consumer reports

I've been a victim of fraud, as well as money being stolen out my account due to no account security and bank failure to deactivate bank card after activation of a new card due to first one being lost
Product: Money transfer, virtual currency, or money service

I was issued a fraudulent check in the mail, and then made payments based on the payers instructions and ended up losing the money through fraud. I had cashiers check sent in the mail for {$2200.00} for a table I was selling along with the payment I was to pay movers. I deposited the check and it cleared with my bank PNC. So per the buyers request I sent the movers payment of {$1700.00} with two separate transactions via XXXX to XXXX XXXX at XXXX and XXXX. The first transaction was {$1000.00} on XX/XX/18. The second for {$700.00} on XX/XX/18. The buyer later requested a refund and said he no longer wanted the table so I attempted to refund to XXXX XXXX at XXXX via XXXX however i realized the fraudulent check was withdrawn from my account by that time so I canceled the final payment. The issuing bank discovered the fraudulence and withdrew the initial {$2200.00} Overall they stole {$1700.00} from me. I have the persons phone number as he has been texting me from XXXX ( XXXX ) XXXX. I have filed a police report. XXXX and/or PNC are able to track where the payments were sent and contact that bank or get the receivers information so that I can give them to authorities. The banks are doing nothing to resolve this issue of fraudulence or offer any type of fraud protection to get me reimbursed or find the person so I can inform police, and I have spoken to multiple levels of customer service.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Checking or savings account

On XX/XX/XXXX a deposit of XXXX was made into our USAA account from a bank in XXXX which I do not have. Then the same day XXXX was taken out of the account and put into the XXXX XXXX According to USAA it was my account but after calling the bank they stated I had no account there. USAA is refusing to give me my money back saying it was not fraudulent and I just got scammed. I have had it rereviewed several times and they are still refusing stating I am still liable for the XXXX XXXX
Product: Credit card

On XXXX XXXX, XXXX, I responded to a promotion and applied for the Chase Freedom Unlimited Visa card online. The promotion is : Chase Freedom UnlimitedSM credit card Chase Freedom Unlimited ( Service Mark ) credit card NEW CARDMEMBER OFFER {$150.00} bonus after you spend {$500.00} on purchases in the first 3 months from account opening. 
After the account is approved, I used the card as per the promotion requirements and waited for the bonus to come. It never did. In XXXX XXXX, I contacted Chase Visa customer support 3 times on status and was told there was no promotion for my card and there is nothing they can do about that. It was a terrible experience to find out this outcome after 3 months of account opening.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Equifax for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Equifax for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX XXXXXXXX Account Number : XXXX Date of Charge Off : XX/XX/2024 Amount : {$8400.00} I have previously disputed the accuracy of this charge off account with Equifax and provided evidence that the information is inaccurate. However, Equifax has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Equifax refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Equifax for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Equifax upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I am XXXX XXXX  and my financial address is in XXXX XXXX, XXXX. I was XXXX client at the XXXX XXXX, NY. XXXX transferred my Checking account without my authorization to the Citizens Bank and finished my relationship with XXXX. 
I did not receive anything from Citizens Bank ( debit card, password to create an access to my checking account, etc ). I've contacted Citizens Bank and I've been told they don't not have checking accounts for foreigner investors, and I'd have to go to US to solve this problem. The amount that I have in Citizens do not justify this cost that I would have with a flight ticket, hotels, meals etc. I've also contacted the customer relationship at Citizen to get my debit card, but the attendant told he couldn't help me without a debit card reference number, which I've never got one. I can't believe this kind of problem can't be solved throught the internet or phone calls in the 21th century. 
The only thing that I am receiving is in a monthly basis a checking account statement informing a charge of monthly maintenance fee of USD XXXX. I CAN NOT DO NOTHING WITH MY MONEY AT CITIZENS BANK. So they are charging me this fee I can't do nothing about it.
Product: Checking or savings account

I had wrote a previous complaint ID # XXXX and I am supplying you this CPA Letter showing you XXXX XXXX so you could send me the remaining balance of {$22000.00} via check that is rightfully owed to me. I also included a Schedule C form displaying how my taxes are filed I sent this via email to XXXX This is a loan from the government that I have to pay back and these crooks are unlawfully trying to take my money. I will not do business with Chase ever again in my life. I will file a lawsuit
Product: Mortgage

Morgage company XXXX has now misplaced three cashiers checks. A second payment was made in XXXX for XXXX and one in XXXX for XXXX. We also sent a replacement money order from our bank in the amount of XXXX with and other monthly of XXXX sent certified mail. They applied the XXXX and lost the replacement for the originals they lost. We have provided them a notorized letter from bank saying they cashed the original payment. They have sent letters admitting fault and refuse to correct the account or my credit score. I will attach documents.
Product: Checking or savings account

On XX/XX/2021 we requested to close our Banco Popular Puerto Rico savings account. Was informed that it would take 5-10 days to receive the funds. Have made contact with them on a weekly basis and have been informed that we would be receiving the check shortly. To date, we have not received anything from them. I have documentation from the bank of when the request was done and information they requested from me.
Product: Debt collection

I XXXX XXXX hereby submits a complaint against XXXX XXXX XXXX as Assignee for First National Bank of Omaha as First National Bank of Omaha is stating that my identity theft complaint is not valid due to not listing the individual transaction. This collection will never stand in any Massachusetts court, and my identity theft complaint is now backed up by a second police report. First National Bank of Omaha is an FDIC insured financial institution, and my rights need to be protected under several federal laws. Recently, I had to re-submit a police report on an identity theft complaint from 2015. Had financial institutions such as XXXX/XXXX  taken my rights serious as related to the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ), I would not be submitting this complaint with the Federal Deposit Insurance Corporation. However, I did initially submit my complaint through the Consumer Financial Protection Bureau ( CFPB ) as a means of bringing my complaint to a level playing field. XXXX XXXX XXXX as Assignee for First National Bank of Omaha is now trying to negotiate a settlement after five years of a dormant account. The account was recently sold off to a third-party debt buyer, which is standard procedure by national banks for unenforceable debts. This debt is no longer valid or enforceable, and my file should be purged permanently. Any response to me with a 1099C submission will be protested with the Internal Revenue Service. I demand a permanent cease and desist from XXXX XXXX XXXX as Assignee for First National Bank of Omaha XXXX, and if a case such as this was ever submitted into a Massachusetts court jurisdiction, the filing attorneys would be seriously sanctioned. The debt is non-valid and my demand for a permanent file purge is within legal guidelines by precedent determined in federal jurisdictions.
Product: Mortgage

I took out a mortgage loan in 2006 because it was advertised as a low monthly payment and low interest rate. However, every month the mortgage payment kept increasing including the interest rate. I defaulted because the payment ended up getting so high that I was no longer able to afford the monthly payment. It was like if the bank wanted me to default on the loan on purpose. I also tried to modify the loan several times but it was denied.
Product: Credit reporting or other personal consumer reports

I have reviewed my consumer reports and notice that I had XXXX late payments on the account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account that I have included in the screenshot inside the complaint in on the dates ( XX/XX/20 ) and ( XX/XX/20 ) ( XX/XX/20 ). Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments to be updated to paid as agreed on time as they should be, due to the fact I was never late. Thanks. Please see screenshot attached :
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained a loan to buy a new car in  XXXX  from  XXXX   XXXX   XXXX  and have been paying the loan on time as stipulated in the loan agreement. Recently I obtained my credit report in an effort to obtain a mortgage and it showed on my report that I have been late on my payments for that particular account. The report stated 60 days late payments for the following months  XXXX ,  XXXX ,  XXXX  and 30 days late payments for  XXXX ,  XXXX ,  XXXX ,  XXXX  and  XXXX . I have never been late on my payments so I contacted the credit union to have them correct my report. I received a letter from them stating that their reporting was accurate and the was nothing they could do therefore I contacted the credit reporting agency with proof of my timely payments. The credit agency contacted the credit union and now they changed the late payments for 30 days to  XXXX ,  XXXX  and 60 days late for  XXXX  and  XXXX . This was the report I received from the Credit Bureau  XXXX .   I am not satisfied with this findings so I am contacting your office to help me resolve this issue and have  XXXX   XXXX   XXXX  take off all the late payments because I was never late.
Product: Credit reporting or other personal consumer reports

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

I told/informed XXXX, XXXX, and Equifax to reinvestigate and or remove these accounts : XXXX, EQUIFAX, XXXX DISPUTES : 1. XXXX XXXX XXXX  XXXX XXXX {$2000.00} * Account # : XXXX * Date Opened : XX/XX/XXXX 2. XXXX XXXX > {$500.00} * Account # : XXXX * Date Opened : XXXX XXXX, XXXX 3. XXXX XXXX {$720.00} * Account # : XXXX * Date Opened : XX/XX/XXXX 4. XXXX XXXX XXXX XXXX XXXX {$700.00} * Account # : XXXX * Date Opened : XXXX XXXX, XXXX In addition to, the Credit Agencies stated everything was complete, accurate, and all the fraudulent items will be removed and or blocked in the 4 business days allowed with the law & in accordance to Consumer Law ( FCRA ) 15 U.S.C 605B & 15 U.S.C 1681 ; But the open date, date of last activity and much more is incorrect & fraudulent with these accounts on my Credit Profile. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

In conclusion, I would like to use the following Consumer Laws ( FCRA ) to my benefit in regards to my situation of Identity Theft and fraudulent, inaccurate & unauthorized items on my Credit Profile. The selected laws are as follows : 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 ], 15 U.S.C 1692c, 15 U.S.C 1601, 15 U.S.C 605B, 15 U.S.C 1681a-2, & 15 U.S.C 1681n, 15 U.S.C 1602p, 15 U.S.C 1681, 15 U.S.C 1666b.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX La XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about 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 the 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 ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I do not recognize these inquiries and have no connection to the creditors listed.
Product: Credit reporting or other personal consumer reports

File a dispute with Equifax regarding XXXX collection account verification in the amount of {$130.00}. On XXXX XXXX. Once the account was verifiedI contacted XXXX XXXX ( the creditor ), and was told the account would be delted from reporting upon full payment of the balance owed within 30 days. 
I paid the amount of {$130.00} in XX/XX/2023. However, didn't recieve the account deletion letter. 
On XXXX XXXX I filed another dispute with Equifax to remove the account as of today XX/XX/2023 it is still under re-investigation.
Product: Debt collection

I paid my last car payment on XX/XX/ 2019 and purchase a new vehicle in XXXX. The dealership took my vehicle as a trade for the new vehicle. They contacted the other dealer to inform them the car was at their location and for them to pick it up. However, They did not pick up the vehicle until almost 2 months later. This cause my credit to show a repossession and late payments. I was told it had damages to the vehicle in which I did not damage. I asked for pictures I never received them of the damages. They contacted my insurance company to pay for the damages. I also had GAP insurance in which would have paid off the remainder. I tried calling, disputing and even had a lawyer to dispute the collection. Each time the creditor would add things to my credit to make my score down each time. They keep adding repossession on my credit report for each month since XXXX of 2019 till now. This is unfair to me and reflects me from getting anything using credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Going over my consumer report I have notice you are reporting XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX without my consent ... 

I demand these accounts to be removed from my consumer report. I did not give you written instruction to report anything on my report so this must be removed ASAP. 

Violation of 15 usc 1681b ( a ) ( 2 ) -Permissible Purpose of consumer report as it states " In general subject to subsection ( c ), any 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. 

It is in fact that I am a consumer and did not give you any written permission to furnish these accounts on my consumer report.Which is my reasoning for you all to delete all accounts mentioned asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is already my fourth time submitting this complaint. I have told you already, I was never late on the accounts mentioned below. These accounts were violating the Fair Credit Reporting Act. Theyre claiming I have late payments but their records are incorrect. Ive contact the company & requested verifiable proof and they have failed to provide with any verifiable documents. They have failed to comply with XXXX section XXXX & are willful noncomplying which is a violation of sections XXXX & XXXX need them to correct their records or be held accountable for their actions. The information is creating great XXXX  & XXXX XXXX and creating me XXXX nights where its impacting my job performance. Please have this matter resolved ASAP XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This was for new service. The equipment was all returned within days of activation. The service is not supported in the area I live in - and that was not disclosed when I applied for service. I attempted to explain that to the debt collector but, they continued to call and explain I had to pay the debt.
Product: Credit reporting or other personal consumer reports

My report is showing an arrest from 2016- that was updated because of an appeal in XX/XX/XXXX but the conviction and arrest was from 2016 which is 8 years way past the statute of limitations.
Product: Checking or savings account

I have been repeatedly getting spam mail from TD Bank for the past 3 years. 

I first complained about the spam mail to the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/XXXX ( Complaint # XXXX XXXX. 
At that time, TD Bank responded to the CFPB complaint by claiming I could permanently opt out of all spam mail from them by using a link they provided in the response. 
So, I used the link they provided in the response to permanently opt out of all spam mail from them. 

But then, in XX/XX/XXXX, I once again started receiving the same spam mail from TD Bank as before. 
So, I filed another CFPB complaint about the same issue on XX/XX/XXXX ( Complaint # XXXX XXXX. 
This time, TD Bank responded to the CFPB complaint by claiming they had permanently removed my name and address from their mailing list to completely stop all spam mail. 

But then, in XX/XX/XXXX, I once again started receiving the same spam mail from TD Bank as before. 
So, I filed a XXXX XXXX XXXX ( XXXX ) complaint about the same issue on XX/XX/XXXX ( Complaint # XXXX ). 
This time also, TD Bank responded to the XXXX complaint by claiming they had permanently removed my name and address from their mailing list to completely stop all spam mail. 

But then, in XX/XX/XXXX, I once again started receiving the same spam mail from TD Bank as before. 
So, XXXX re-opened Complaint # XXXX about the same issue and asked TD Bank to respond to it. 
This time also, TD Bank responded to the XXXX complaint by claiming they had permanently removed my name and address from their mailing list to completely stop all spam mail. 

Last week, I received the same spam mail from TD Bank which I had received before on several occasions. 
Under the CAN-SPAM Act, once a spam recipient opts out of spam sent by a sender, the sender is legally requited to honor such an opt-out request. 
But instead of complying with the law, TD Bank keeps blatantly lying ( in their response to every complaint ) they have honored the opt-out request when, in fact, they have done no such thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : Dept of Ed/XXXX  Account # XXXX Date Opened XXXX Amount {$3000.00} Account Name : Dept of Ed/XXXX  Account # XXXX Amount {$3900.00} Date opened XX/XX/XXXX Account Name : Department of Ed/XXXX  Account # XXXX Amount {$39000.00} Dept Education/XXXX  Account # XXXX and # XXXX Opened XXXX XX/XX/XXXX XXXX XX/XX/XXXX ALL OF THE ABOVE ACCOUNTS REPORT DIFFERENT AMOUNTS. 
Account Name : XXXX ACCOUNT Amount XXXX ( This account was somehow picked up by the school XXXX XXXX  when my loan was with Federal Direct loan Services originally. It had already been included in a loan consolidation but latter appeared causing all of my accounts to report incorrect amounts. ) All of which are in violation of my rights according to : 15 USC 1681s2 A person shall not furnish any information relating to a consumer to sny consumer reporting agency if the person knows or have reason to believe that the information is Inaccurate. 
Under 15 USC 1682 a ( 2 ) ( 1 ) Fair Credit reporting collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX, MI XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX