23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

Original complaint ID XXXX I had filed a claim with Bank of America in XXXXXXXX XXXX XXXXXXXX. In the claim I had provided them with a police report and a statement letter to support my claim. While I was out of country, someone broke in to my home and stole the valueable things which also included my identity info, such as my SSN and my bank cards. I tried to work with them to get my money back but they don't seem to care. This is my only source of income so not having access to it is very challenging. Someone stole {$7100.00} from my account and I've been contacting bank of America hoping my claim would be resolved but no they keep denying my claim. I disagree with The letter they sent me in regards to why they denied my claim. They included a footage of me withdrawing money from the atm which does not support my claim. The transactions I claimed did not include any ATM withdrawal from the bank of America ATM so I don't know how they came to the decision of denying my claim without doing a proper investigation. I need my money. I'm a victim of identity theft. This is my last attempt to trying to get my money back from the company, I will be taking legal action regarding this matter if not resolved. 




As of XX/XX/XXXX, I have not received any response from the company regarding my matter. 



Please help me reopen my complaint.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected or removed on my credit file. 
XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have addresses on my credit report that are not mines and information that is not accurate. My name is XXXX XXXX XXXX, My current and only address should be XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. 
please remove and delete any other address they are not mine. 
Address Date Reported are incorrect please delete XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX , XXXX, GA XXXX XXXX XXXX XXXX, XXXX, NC XXXX
Product: Debt collection

this was a cable ( XXXX ) XXXX bill that was put in my name in 2010. Convergent re-aged the debt for {$140.00}. it appears on both XXXX and XXXX credit reports crippling my chances to move forward in life
Product: Money transfer, virtual currency, or money service

I explained to XXXX  XXXX that Ria website, where i did the transaction, NEVER SAID IT WAS " CASH ADVANCE '' therefore I thought it was a regular credit card purchase where Ria will refund the fee which is correct on Ria receipt. But Ria charged {$270.00} as cash advance with XXXX XXXX credit card therefore I am being charged the cash advance fee. This is a trick, a scam, a fraud behind customer 's back committed by Ria. 
I called Ria and four of Ria representatives transferred me around wasting my time intentionally. 
I emailed Ria the XXXX XXXX screenshot showing the cash advance feed problem and the Ria receipt as requested by Ria representative on the phone call. 
I have disputed with XXXXXXXX credit card for the {$270.00} plus the {$10.00} CASH ADVANCE FEE because that the only way to dispute for a refund of the {$10.00} cash advance fee charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am hereby notifying you that neither on that those dates or dates similar, did I authorize any individual from the above listed companies to pull or review my Consumer Report. Additionally, having understood this is a violation of 15 USC 1681 ( B ) ( C ), both together and separately, my consumer and privacy rights are being violated. I would like for you to please remove these items from my consumer repor.As of XXXX XXXX I still have fraudulent inquiries reporting to my credit file. I have contacted below companies and are seeking a fast remedy of removing these fraudulent inquiries XXXX Bank XX/XX/2023 XXXX XXXX XXXX XXXX XXXX TransunionXXXX XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Debt collection

I received an email from this company on XX/XX/year> stating a payment was coming due. I had never heard of this company before. I looked them up online and used my email to reset the password for the portal. I was able to gain access and then found out someone stole my identity to take out a loan. They had all of my information, but the banking information provided was not my banking information meaning whoever stole my identity used their personal bank account to receive the funds. I contacted this company and told them my identity was stolen and asked why they didn't verify the bank account they sent the funds to, because if they did they would have caught that the account was not owned by me. They said they dont care and the person who stole my identity had my social security number and thats all they care about. I said I wanted my personal information removed from their site and the debt to be settled they said I had to send in my police report which was actually the XXXX report since it is a online crime the police department dmsaid that is whete the teport needed to be filed as well as my bank statements. I complied and sent this information to them.. i have received no response from the company. They seem to be protecting a criminal and not wanting to rectify their poor business dealings of giving a loan to a criminal. I want my information removed from their site and the debt removed from my name!
Product: Credit reporting or other personal consumer reports

There are some inquiries on my report that were not authorized by me they need to be removed from my credit report
Product: Checking or savings account

I used PNCs online bill pay to pay my XX/XX/year> rent to my property management company, XXXX XXXX XXXX. I scheduled the payment to be delivered to XXXX as of XX/XX/year> however, the payment was delivered late on XX/XX/year>. I carefully checked my XXXX  account portal daily and on XX/XX/XXXX,, 2024 decided to mail a replacement payment to XXXX as I can no longer pay them online due to a previous error caused by PNC bank in XX/XX/year>. I acquired a cashiers check from my local PNC branch and mailed this to XXXX via XXXX XXXX XXXX with XXXX XXXX XXXXXXXX XXXX XXXX ). The cost to mail this payment was {$56.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted and mailed experian on XX/XX/22 about some information that wasnt mine and addresses to places i never lived. I have yet to hear anything from them to get these things taken care of.
Product: Vehicle loan or lease

On Thursday XX/XX/XXXX, I called Harley Davidson Financial Services. I paid XXXX  dollars to bring my account current. I received a call XX/XX/XXXX. I returned the call at XXXX XXXX  and was told the vehicle is still up for repossession after bringing the account current. I am told this morning the vehicle is up for repossession for this month 's payment which I still haven't received the statement for. They attempted to strong arm me while on the phone telling me that it they may take off the repossession.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint regarding Transunion 's violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent accounts on my credit report despite proper notification and submission of required documentation. On XX/XX/XXXX, I disputed several fraudulent accounts and provided Transunion with all necessary documents, including a valid identity theft affidavit, proof of address, government-issued ID, and evidence linking me to a data breach. However, Transunion failed to block the disputed items within the four business days required by 605B and instead " verified '' the accounts without disclosing the sources or evidence of verification, violating 611 's mandate for a reasonable reinvestigation and transparency. Their actions contravene established precedent, such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which affirm the rights of consumers to accurate reporting and proper investigation of disputes. This pattern of non-compliance with statutory obligations and disregard for the CFPBs XXXX bulletin underscores Transunion 's failure to uphold consumer protections under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

No safe guards for my personal financial profile at Equifax- their data base hacked with my credit files
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 or extortion. 
XXXX XXXX  XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX : {$1100.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX  XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have excellent credit according to XXXX  and XXXX  however Experian says I have bad credit, won't give me a copy of my credit report. I have been denied a car loan in XX/XX/2017 due to this inaccuracy. I have mailed them copies of my other 2 reports, drivers license copy and SSN.
Product: Mortgage

I am attempting to find out what steps I need to take to get the private mortgage insurance removed from my home loan. although my current XXXX based on the value of my home from purchase is below the 20 % threshold I believe that upon a re-assessment of the home 's current value I will be above the guideline for XXXX. 

I attempted to work through the companies automated service " truist assist '' early in XXXX and the system said it would get in touch with me within 30 days. A timeline that has been exceeded as of my writing. 

I attempted to call the company on the XXXX of XXXX and was instructed by the representative to mail a request to " Truist Bank PMI Department Mail XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX '' I sent the letter on the XXXX of XXXX and have not received a response.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost fund 's was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XX/XX/XXXX threw the XXXX of XXXX  a account with ( XXXX XXXX XXXX ) was taken care of in full and then was CLOSED! I have the pictures to show this! Well not even 2 months after it was closed and off my credit report it shows back up and shows a balance of {$1000.00} which is NOT CORRECT! I have sent in disputes and fought this for the last 8 months and get nowhere! They had it off my report and then put it back on. This is not the only account either!! The XXXX account with ( XXXX XXXX XXXX ) was also taken care of in full and was then closed and off my credit report and I have the photo to also prove this! This account is now showing a {$1300.00} balance. Both of these accounts were taken off originally between XX/XX/XXXX threw the XXXX and they are both back on my transunion credit report and it is affecting my score by XXXX which I have worked so hard to get my score up bud to where it was because I had a ex wife that tried to take me for everything but didnt succeed. Can u please help me in getting this in accurate info taken off my trans union credit report! I dont have any collections because I have worked hard and pay my bills!
Product: Credit card

I had a credit card account with Capital One for some reason I have gone through a case of identity theft and the person hacked my credit card. There are purchases on the card that I did not use. 

I have called several times but there seems to be a misunderstanding. 

I'm willing to pay {$500.00} of the bill. 

The card was hacked and the person had changed my email and phone number back in XXXX  they helped me fix that but they determined to close the account.
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 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights 15 U.S.C 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- @ ( 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 or other personal consumer reports

I reviewed my consumer report and there is information reporting that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported in my consumer report. I am requesting that the reporting of this information be blocked and deleted immediately. I understand that you have the authority to decline or resend the information. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. If you believe I obtain procession of goods and services, I need a senior executive member of the company to put it on an affidavit signed under penalty and perjury notarized. This is causing me extreme stress and allowing me not to live my life due to fraudulent reporting. Please tell me your method of verifying this fraudulent information!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : Discharged XXXX : Bankruptcy XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a victim of identity theft and on XX/XX/2022, I submitted a letter to all 3 credit reporting agencies XXXX, Equifax and XXXX disputing a XXXX  account that was opened fraudulently. I sent a letter requesting that the credit reporting agencies investigate this matter along with my police report, my FTC report and verification identification. XXXX deleted the account as well as XXXX and Equifax. XXXX and Equifax proceeded to put the account back on my credit after the deletion. I contacted both and asked how did they decided to add this fraudulent account back on my credit profile, and I was told " because the creditor state that it was mine '' and that the creditor did not have to submit any verification documentation. This is unfair, because the credit bureaus have a vested interest, they are paid by the creditors to report information, therefore, the creditors can say and report anything. 

Please investigate and remove the fraudulent account from my credit profile. I have attached my supporting documentation. 

Thank you
Product: Debt collection

I don't recognize this collection account in my report. Please remove this as soon as possible. it owned by somebody else. 

XXXX XXXX XXXX XXXX  date opened XX/XX/year>
Product: Mortgage

XX/XX/23 - we received notice that our request to have PMI removed from our loan was not approved. 

The mortgage company says they use original loan amount as opposed to current to calculate. 

Purchase price {$790000.00} Down payment {$110000.00} Current loan {$670000.00} Appraised value {$850000.00} Loan to value should be 79 % but they are saying XXXX is only 15 % because they are dividing the original purchase price ( not including down payment ) and dividing that by the current loan amount.
Product: Credit reporting or other personal consumer reports

Case Reference Number : XXXX CFPB File Number : XXXX This complaint is a REBUTTAL to a response from XXXX XXXX dated XX/XX/2024 regarding a dispute on the above CFPB File Number and Case Reference number & also previous disputes regarding this account. 

You've responded to my previous DISPUTE with a statement stating that you have reported accurate information. First of all I have never asked if you are reporting accurate information! The LAW in 15 U.S.C. 1681a ( d ) ( 2 ) ( a ) ( 1 ) is very SPECIFIC. You are reporting a transaction on this account that CONGRESS defined in the consumer report where TRANSACTIONS or EXPERIENCES are NOT included in the consumer report. I never asked about ACCURACY, stop providing me with information I did not ask for. 

''15 U.S.C. 1681a ( d ) ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 624, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; " This is a specific section of the LAW that speaks SPECIFICALLY that TRANSACTIONS or EXPERIENCES between the CONSUMER ( I, XXXX XXXX ) and XXXX XXXXXXXX are NOT included on the CONSUMER REPORT. Maybe you will need to re-read this section of the LAW or send this over to your legal department immediately. 

" 15 U.S.C. 1681n ( a ) In general. Any person ( CORPORATION ) who willfully fails to comply with any REQUIREMENT imposed under this title with respect to any CONSUMER is liable to that consumer in an amount equal to the sum of " - Capital One is a CORPORATION - 15 U.S.C 1681a ( d ) ( 2 ) ( a ) ( 1 ) is a REQUIREMENT This is my FINAL dispute/rebuttal or letter of communication regarding this matter. If you persist to report information on my consumer report that is NOT included in my consumer report based on the guidelines of the FCRA, I will have no choice but to SUE you under section 1681n for CIVIL LIABILITY for WILLFUL NON COMPLIANCE
Product: Bank account or service

I opened a checking account with Citibank and was offered a XXXX Thank You Point bonus if I met certain requirements as outlined in the offer. I have spoken with XXXX different representatives from Citibank about my missing points and nobody seems to want to help me. I am constantly being ping ponged back and forth between customer service and Thank You customer service. I have spoken to representatives XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The most recent interaction started with a representative talking down to me due to the balance in the account saying how I " am not in the right account '' and unwilling to warm transfer me to the other department. I feel as though Citibank does not want to give me these points, even though I have in writing from them XX/XX/XXXX that I have met all the requirements needed. On at least 3 different occasions I have been told the points would be awarded in the " next statement cycle ''.
Product: Credit reporting or other personal consumer reports

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. Cneverode 1681b Permissible purposes of consumer reports I 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. 


This is second box in the files attach ghe two documents you sent me and when. You type company name just use any one with XXXX  equifax and XXXX Please remove these items as it is in violation of my permissible purpose these accounts were forged of my signature i never gave written permission to furnish at all never gave permission to the alleged creditor or the third party reporting agencies XXXX equifax and XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Debt collection

Today I reviewed my credit report and discovered that this company has reported that I owe for a debt that was discharged. My Attorney XXXX XXXX XXXX XXXX XXXX, had this debt discharged releasing me from any financial obligation of this debt. The original creditor was aware of this prior to sending this to collections. This was clearly a retaliatory act to defame my good name and injure me financially.