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

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within XXXX business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs. Collection Accounts Collection accounts listed below is in violation of 15 U.S. Co
de 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Debt collection

I am writing to file a formal complaint against XXXX regarding highly unjust billing practices and mishandling of my account, which has resulted in unwarranted charges and involvement with a debt collection agency, I.C. System. 

On XX/XX/XXXX, I engaged XXXX 's online sales services to explore the possibility of switching from my current wireless provider, XXXX XXXX XXXX , to XXXX, seeking to retain our phone numbers and utilize our existing devices. Despite expressing interest in the XXXX family plan, I refrained from confirming a start date as I needed to confirm details with XXXX XXXX XXXX regarding our ongoing contract and the unlocking of our devices. 

Upon contacting XXXX XXXX XXXX the next day, I discovered that our devices would remain locked for an additional two months until our contract concluded. Immediately, I informed XXXX XXXX customer service of this situation, explaining the necessity to postpone the transfer of numbers and activation of services for this duration. Unfortunately, XXXX XXXX response lacked understanding or accommodation, leading to an erroneous shipment of two phones and two XXXX cards on XX/XX/XXXX, followed by an email on XX/XX/XXXX confirming account activationdespite my explicit communication of the delay. 

Despite receiving the phones, I did not open or activate any of the devices or XXXX cards. However, two months later, I received a billing statement from XXXX charging me nearly {$1000.00} for services that were never activated or utilizedan unjustifiable and erroneous charge. 

In an attempt to rectify this issue, I promptly contacted XXXX 's customer service, reiterating the unlocked status of my phones by XXXX XXXX XXXX and my willingness to transfer the numbers if billing discrepancies were resolved. However, XXXX insisted I pay the outstanding balance for services never utilizedan unreasonable demand that disregarded the facts and fair consumer treatment. 

I called XXXX customer again and was provided the instruction how and where to return the deviced back to XXXXXXXX. Ironically, ddespite returning all unopened devices as instructed, I continue to receive letters from I.C. System indicating an outstanding balance of {$1000.00} as of XX/XX/XXXX. 

I have made repeated attempts to resolve this matter directly with XXXX but there has been no satisfactory resolution. The recurrence of unwarranted charges and the involvement of a debt collection agency have caused immense frustration and concern. 

I am reaching out to the Consumer Financial Protection Bureau in the hope of seeking intervention and resolution in this matter. I request an investigation into XXXX 's billing practices and mishandling of my account, with a specific emphasis on the unjust charges and the involvement of I.C. System. 

I kindly urge you to take prompt action to address these issues and rectify the inaccuracies in XXXX 's billing system. Additionally, I request the cessation of any further contact from I.C. Systems regarding this unjust debt. 

I appreciate your attention to this matter and hope for a swift and fair resolution to prevent any further distress or inconvenience.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am intrested in disputing all unauthorized information on my credit report with Equifax because my file is not 100 % accurate. my credit report the data is not matching it is hindering my file. please update all information requested.
Product: Credit reporting or other personal consumer reports

CO PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Apt XXXX XXXX XXXX, TX XXXX, USA XX/XX/XXXX ChexSystems XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX, AZ XXXX Attn : Consumer Relations Attn : Consumer Relations RE : Request to Delete and Block Accounts Resulting from Identity Theft Dear Sir/Madam, My name is XXXX XXXX XXXX. I am a US Citizen and a resident of the state of Texas. I was advised by my local police department to send out this letter and to include specific fraudulent information appearing in my credit file. Please note that this information is inaccurate and appears on my credit file as a result of identity theft. The following information listed below is fraudulent and doesnt reflect any transactions made by me : Fraudulent Closed Accounts : Name of Institution Account Number Date Opened XXXX  XXXX XXXX TEXAS XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XXXX XXXX   XXXX XX/XX/XXXX Please delete and block this information from my consumer report pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. With this letter, I have enclosed a copy of my consumer reports received from your company, a copy of my identity theft report, proof of identity, a utility bill, a police report and other additional documents to support my claim. 

Thanks for your understanding XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I had someone in a home use my phone to transfer money from my account to Coinbase. I alerted Coinbase. They froze account, This happened back in XX/XX/2019 Here it is the XX/XX/2019 and I still can not enter my account pending an investigation that supposed to be 1 week. I need to transfer money from there to my XXXX XXXX account to cover the XXXX I am in. I had an issue with my job in Pennsylvania and a emergency. This has caused alot of financial hardship! I have lost alot of money since I had my account frozen. I could of reinvested the principal a few times to make a few thousand dollars. So I am going to be contacting a lawyer soon. 

Latest call to ask what was going on with account gave me this case number Case : # XXXX The following are calls Ive made and was given a case number that gets closed and does not resolve me being locked out of account. 

Case # XXXX Case : # XXXX Case # XXXX Case # XXXX Case # XXXX
Product: Student loan

I have three loans with the loan lender. I manually entered how much to allocate within each loan because I was paying more than the total for one loan. The allocation did not work and overpaid into one loan, leaving a negative balance in one loan and outstanding in another. I have been accruing interest in the other loan and the servicer has not moved the negative balance to clear out the other loan. If they just move the negative balance I will have no loans and would never have a reason to talk to these lenders again but it's been almost a month with two interest accumulation periods occurring. Why are these guys allowed to be federal lenders if they are punishing the consumer for the mistakes of the company 's system? Why did the overpayment not automatically distribute to the next outstanding loan. Why am I still accruing interest when my loan should be paid off? Why are they essentially double-dipping and taking a loan from me as well as making money from the interest left in my outstanding balance?
Product: Credit reporting or other personal consumer reports

I contact both XXXX and transunion to explain I was going through identity theft and there are hard inquiries that I did not authorize on my account. I explained to them I wanted them removed and what process I had to go through to have them removed. They simply told me I would need the FTC and the cfpb reports before they can move forward with removal of the three heart inquiries. I also stated to them that I had some issues with the IRS due to the identity theft as well to let them know this is not stop just on the credit bureau.
Product: Vehicle loan or lease

The account with credit acceptance was closed in XXXX when I voluntarily surrounded the vehicle due to the fact I had a XXXX and could XXXX XXXX any more. I called the company and told them what happened and to come get it. Since then they have put a garnishment on my check as of XX/XX/XXXX and they receive it biweekly and when I disputed the account information on my credit report that the balance they had was wrong because they werent giving me credit for the payments which is now over {$900.00} as of today they reported back saying I only paid {$240.00} and reopened the account and increased the balance and said I was behind on payment I have check stubs to prove how much Ive paid that they are not reporting and that Im not behind because Im being garnished biweekly and the balance should not have been increased over {$200.00}.
Product: Credit reporting or other personal consumer reports

CAPITAL ONE AUTO FINANCE XX/XX/2022 i did not apply for this account
Product: Credit reporting, credit repair services, or other personal consumer reports

i went to a dealership to ask about a car and now i have all these hard inquiries on my credit that i did not apple for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to open a new account at Bank of America, but was unable to do so because my XXXX credit report was frozen. I contacted XXXX, and received a letter saying that my credit report was unfrozen. I just checked today, and their website also says my credit report was unfrozen. But when I went back to the bank today, they couldn't open my account, because their computer says my XXXX credit report is frozen. 

I don't know whether the problem is with XXXX or with Bank of America, but I am at my wit 's end. 

Please help me resolve this problem
Product: Checking or savings account

On XX/XX/XXXX, I received an offer from Chase that said " Get {$900.00} for both ( an extra {$400.00} bonus ) ChaseTotalChecking + Chase Savings ''. On XX/XX/XXXX at noon, I had an appointment with XXXX XXXX at the Chase Bank branch on XXXX XXXX XXXX XXXX, XXXX, VA. 

Before opening the account, XXXX and his supervisor confirmed my eligibility for the {$900.00} bonus. However, after the account was opened, I discovered that I would only be eligible for a {$200.00} bonus. Furthermore, my account would not be eligible for any checking or savings bonuses for the next 24 months. 

Chase and their employees misrepresented my eligibility to the {$900.00} checking and savings bonus. Enclosed is the bonus offer I received from Chase.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries that have appeared on my credit report as a result of a data breach and identity theft.

Pursuant to the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ), I ask that you take the necessary actions to address this matter promptly. 
Fraudulent Accounts : XXXX. XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Amount : {$100.00} XXXX. XXXX, XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Amount : {$8900.00} XXXX. XXXX XXXXXXXX XXXX  XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Amount : {$100.00} XXXX. XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Amount : {$8900.00} Fraudulent Inquiries : 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
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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/year>
Product: Mortgage

Ongoing issues with the XXXX website since it was overhauled in XXXX, resulting in ongoing difficulty accessing my account and making my mortgage payments. This was previously the subject of a prior complaint, ID XXXX XXXXXXXX. 

As can be seen in this screen recording linked below, upon entering my username and password, I get the message " Sorry, something went wrong. '' I am totally unable to access my account through the website. 

https XXXX XXXX XXXX This already had led to missed payments back in XXXX XXXX and a " More than XXXX  days late '' mark on my credit report, causing a significant decrease in my XXXX XXXX. After filing complaints with XXXX  and the Consumer Financial Protection Bureau detailing this issue, the late fees were removed and the negative credit reporting appeared to have been retracted, but the technical issues continued. 

I resorted to having to wait on hold to speak with a live agent in order to make my payments. In XX/XX/XXXX, I managed to access my account via the browser on my phone and attempted to schedule my payment for the month. It appeared to have worked, but in early XX/XX/XXXX I received an alert from XXXX that my XXXX XXXX had dropped, and it was due to my Pennymac account being, once again, marked as " XXXX  Days Late '' because the XXXX payment had not actually gone through. I believe the technical issues with their site extend to the mobile version and that is why my payment did not go through. I also did not receive any notification from them when the payment would have initially been deemed over due ( after XX/XX/XXXX ). I get emails from them almost daily but, even double checking my inbox now, I never got anything alerting me to the overdue payment. If I had, I could have at least addressed it before it was over XXXX  days late and impacting my credit. So, there is now a new late fee ( which they will not waive ) and my XXXX XXXX dropped by XXXX points due to these issues ( which they claim they can not do anything about ).
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I was shocked to find numerous inaccuracies that have been causing me overwhelming stress. As a consumer, I have the right to fair and accurate reporting, yet these errors are damaging my financial stability. Its frustrating to know that these mistakes are standing in the way of opportunities I should rightfully have access to.
Product: Credit card

I have a XXXX Capital One Credit Card with a {$7500.00} cash advance limit and recently got XXXX checks in the mail with a promotional offer of 0 % for 12 months. That means that I can write out XXXX checks up to {$7500.00} and not pay interest on that {$7500.00} for 12 months! Only catch - the checks have to post by XXXX/XXXX/2016 and there is a 2 % fee for each transaction. FYI - this was all the information that was in large font with the checks. Great deal and just in time for XXXX shopping right!? ... ... ... WRONG! Feeling like this was too good to be true I did some digging online. Let say I had a {$0.00} balance on my card and never used it again during these next 12 months and only owed the {$7500.00} cash advance from the promotional check - all fine an dandy! I would have 12 months interest free to pay off the {$7500.00}! BUT, lets say I did grocery shopping and made an additional {$150.00} purchase after the check has posted to my account ... ... The new purchase would NOT have the 12 month period and would have the regular APR of 23 %. If I were to pay the {$150.00} at the end of the month to pay off the new purchases in full, it would automatically deduct {$150.00} from the {$7500.00} cash advance I took and NOT the new purchases. Meaning, all new purchases would be hit with a 23 % APR until the {$7500.00} cash advance was paid first ... ..If you understand the math this could be devastating if you did n't catch this in time and continue to make purchases on your CC ... You always hear about how Banks are shady but this is truly disgusting - baiting people into a financial trap knowing XXXX well it will be too late once they realize that they got themselves into.
Product: Checking or savings account

Received unsolicited debit card from Wells Fargo. No answer from Wells security and compliance team.
Product: Credit card or prepaid card

This is about bank of america and the criminal negligence to follow reg e and EFT rules when it comes to my complaining about unauthorized entry into my XXXX bofa account via BOFA desktop and mobile applications where as a fraudster gained access to my account to enact a electronic funds transfer of {$5000.00} at least 3 times. with each time i immediately contacted the bank and informed of the fraud the same day the fraud took place and notified bofa each time that i don't not do electronic fund transfers and not to permit these types of transactions and that i specifically told them that someone was gaining access to my bank account using the 16 digit pin of chipped prepaid debit cards prior to me ever receiving the cards in the mail and the bank continues to not follow CFPB rules regarding the banks requirements to follow REGULATION E and EFT in regards to their requirements to initiate and investigate my fraud claims which they did not and has been more than 40 phone calls to this bank in the past year alone fighting them to actually do their job and return stolen/fraud type funds illegally taken from my account and then illegally refused to follow federal court judgements against the bank for the specifics i have aforementioned above. These dates are numerous times in XXXX XXXX and XXXX of this year in regards to electronic funds transfers and them refusing to investigate and i only know what happened because i pursued against the bank dealing with them hanging up on me,, leaving me on hold, doing nothing, not following through with anything the management had personally told me and at the age of XXXX XXXX XXXX, it has severely caused a great amount of undue and unfair stress on my life, i have had XXXX XXXX XXXX trip to the emergency room related to the stress not having my money for the past year and having to be driven nearly mad in order to barely begin to get my money back and now i've been without money for over 2 moths again, and i think that bank of america should be paying me immediately all of the money they have allowed to be illegally transferred out of my account and then refused to return the money by not completing anything like an investigation as i can tell you dates times and account numbers of who took, where did it go, the amount of what was stolen, and the number of times i have had to call and still not have any resolution. Alo the CFPB isn't doing anything on the consumers behalf and if bofa wont pay me extra money for all of the physical and emotional harm, pain and suffering i have endured because of their failure to follow state and federal laws and guidelines, i want the CFPB to pay mat least 3 times the amount of money that bofa has reluctantly finally repaid me as of today XX/XX/XXXX, and 3 times the EFT 's that were stolen frolm my account between XX/XX/XXXX and today.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was made an authorized user on a XXXX XXXX XXXX XXXX with a {$25000.00} limit that is not being reported on my credit report. I reached out to the company for them to rectify this issue and was told they only report for spouses. This is inaccurate reporting on my credit report.

15 U.S. Code 1681- Congressional findings and statement of purpose : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

15 U.S. Code 1611- Criminal liability for willful and knowing violation : Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. 

XXXX XXXX XXXX XXXX willfully and knowingly are aware of the fact that I am an authorized user on the account and are not reporting it to the credit bureaus which is false and inaccurate reporting. By not accurately reporting they are impacting my XXXX XXXX since a {$25000.00} limit is not present it affects XXXX out of the XXXX factors of the XXXX credit reporting criteria. 

Not Reporting a card with a {$25000.00} limit affects : 1 ) The percentage of credit utilization 2 ) Payment History ( the on-time payments of the primary account holder that should reflect for the authorized user each month ) 3 ) New Credit Mix 4 ) Length of Credit History ( which should have been extended based on the length of time the primary user has had the card ) 5 ) Amount Owed I am requesting that you rectify this issue and start to report on my credit report the accurate information necessary to avoid directly impairing the efficiency and the public confidence of the banking system.