23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Fraudulent charges were made on my credit card that Bank of America refuses to credit me back for. The charges are 100 % fraud and Bank of America has XXXX proof that I ever made the charges and refuses to provide any proof ( which there isn't ) that I made the charges. I identified nearly XXXX charges on my card that are fraudulent and Bank of America has fraudulently passed these charges on to me with absolutely XXXX proof I made the charges. The perpetrator obtained either a copy of my credit card or most likely obtained my credit card number and is using a smart phone payment ap ( XXXX XXXX etc. ) as I still retain the original cards. I am able to discuss every one of the charges and why they are fraudulent but Bank of America refuses to provide any proof that I made the charges and has now ignored and rejected me twice as I try to get my credit card credited for these bogus charges. I have had a B of A credit card for over 20 years, always paid my bill on time and have a credit rating over XXXX. Billing me for charges I did not make is fraudulent on the part of B of A and reflective of very poor internal controls and oversight over their credit card process and procedures. I don't know how they can continue to be allowed to offer credit card services when their internal processes and follow up is so poor as to put consumers at financial risk- totally unacceptable. I will not drop this complaint until 100 % of the fraudulent charges are refunded to me as B of A continues to stonewall me and charge me for items that I never purchased which is illegal and if not resolved will result in a criminal and civil complaint- This is not a threat just reality as I have no other recourse other than to defend myself against fraudulent/illegal actions and conduct on behalf of the bank.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX BALANCE {$100.00}
Product: Checking or savings account

i made a complaint here .. I asked WF for free plain checks after 13 months of being a customer. They refer it somewhere and i get an email saying its being researched. Not sure what needs to be researched its called loyalty. I also complained that my account ending in XXXX was closed. i want it open. its the pandemic GIVE <ME a break i am unemployed and struggling now i know in the one size fits all world no one cares i know this but i do. Everything is so complicated in this bank and should not be. Just give me free checks. BIG DEAL. but it would be to me. Today someone named XXXX XXXX called me from wells fargo her number is XXXX she hung up on me when i was shocked she took my time up to tell me she received my complaint before i could say much she told me she would close it and hung up on me. she absolutely hung up on me. WHY waste my time? why be rude? why do i have to go thru all this? Just help me expeditiously. i want acct ending inXXXX re opened without XXXX. 
please pull the call and listen this XXXX person has no business working for the bank. you dont call a customer to tell me you have my complaint JUST do the right thing quickly it must be to justify her job. but i the customer have nothing but she got paid by the bank to treat me this way
Product: Mortgage

I will try my best English : Few weeks ago I could recover from my computer 2 web pages from my home of 24 years : an AVM CORELOGIC Appraisal. In the morning of the XX/XX/2009 the price of our home was {$200000.00} and in the late Afternoon the price was {$180000.00} a drop of {$21000.00} in one day. Before I discovered this problem, XXXX XXXX  give me a HELOC account with {$60000.00} so I start construction in the home and on my business building. Shortly after this story XXXX XXXX close our HELOC account and I could not even pay the construction company. I am sure that XXXX was confused by this numbers and I think the HELOC closing was correct. CORELOGIC will not give me the answer why this happening and I finally run in the Foreclosure and lost my home of 24 years after 7 years in the court, because I could not find the proof what I now recovered. CORELOGIC refer the answer to the lender in my case : XXXX XXXX  who is out of Business. I am asking to recover my {$190000.00} of my home from CORELOGIC. This is not the first time CORELOGIC make internet mistakes and the Banks believe in this AVM System. I also have to ad, that at XXXX   XXXX XXXX XXXX XXXX was responsible For the CORELOGIC Internet. XXXX XXXX XXXX XXXX and CORELOGIC announced the formal separation of the two companies XX/XX/XXXX XXXX
Product: Consumer Loan

This Company denied me for a loan which I never applied for. I want this taken off of all XXXX credit bureau reports because it counts as a credit inquiry.
Product: Credit reporting or other personal consumer reports

Company or Organization : XXXX XXXXXXXX Account Number : XXXX Date fraud began : Date that I discovered it : XX/XX/year> Total fraudulent amount : {$2400.00} Other Identity Theft Company or Organization : XXXX XXXX Account Number : XXXX Date fraud began : Date that I discovered it : XX/XX/year> Total fraudulent amount : {$120.00} Fraudulent Insurance Company or Organization : XXXX XXXX Date fraud began : Date that I discovered it : XX/XX/year> Total fraudulent amount : {$1500.00} Fraudulent Insurance Company or Organization : XXXX  Date fraud began : Date that I discovered it : XX/XX/year> Total fraudulent amount : {$400.00} Fraudulent Auto Loan or Lease Company or Organization : XXXX Account Number : XXXX Date fraud began : Date that I discovered it : XX/XX/year> Total fraudulent amount : {$18000.00}
Product: Student loan

Wells Fargo sold my grad student loan to XXXX XXXX. There was no notification regarding total loss of options to refinance, consolidate or payoff as agreed in original promissory note. No lenders are willing to refinance-Wells Fargo XXXX XXXX. Accumulated to XXXX interest on a XXXX loan. This is unacceptable banking practice, unethical, immoral and unjust. The arrangements of transfer from W. Fargo to XXXX, ignored banking regulations, a documented agreement and global public trust. There are many others impacted by Wells Fargo 's lack of integrity and deception, viewable in online conversations. XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Back on XX/XX/XXXX I started a membership with XXXX XXXXXXXX that was for a month-to-month non-contract membership. It was to be taken from my checking account. The first payment I made was for {$39.00} on XX/XX/XXXX. The second payment was a month later on XX/XX/XXXX to continue my membership. Three days later on XXXX XXXX XXXX They made a charge of another {$39.00} as it is for one of there upcoming fees. On XXXX XXXX XXXX  they made another charge for {$72.00} as it was an enrollment fee. On XX/XX/XXXX another payment of {$39.00} was charged. On XXXX XXXX XXXX  another {$39.00} was charged and again on XXXX XXXX XXXX  {$39.00} was charged. During the month of XXXX, I went to XXXX XXXX in person and spoke with a manager about canceling my month-to-month plan. I then filled out a cancellation form. I was told there would be no hidden fees or penalties. After the month of XXXX I stopped seeing money being taken out. 
Now, during the month of XX/XX/XXXX I received a letter by mail, claiming that I owed money to ALDOUS & ASSOCIATES for an unpaid debt. I sent a letter back trying to dispute the charge. Today I received a call from them claiming that I owed money and would be reported to credit agencies if the debt went unpaid. I would like to dispute this charge because I do not have any debt with them. Thank you.
Product: Debt collection

This is a fraudulent account and State Farm has failed to provide proof that my rights have not been violated. Please delete and block immediately from my XXXX  and XXXX  credit report.

State Farm Account # : XXXX
Product: Credit reporting or other personal consumer reports

I discovered multiple unauthorized hard inquiries on my credit report from XX/XX/year>, which are negatively impacting my credit score. These inquiries were made by XXXX XXXX ( XXXX inquiries ), XXXX XXXX XXXX ( XXXX inquiries ), and other companies, excluding XXXX XXXX, which I did authorize. I did not apply for credit or provide consent for these additional inquiries. 

I contacted XXXX to dispute these inquiries, but they refused to remove them without further proof from the involved companies. I am requesting the CFPB 's assistance in having these unauthorized inquiries removed from my credit report as they were made without my authorization and are adversely affecting my creditworthiness. 

I have attached copies of my XXXX and XXXX credit reports, with the unauthorized inquiries highlighted for your review.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Mortgage was sold. I have little personal credit outstanding. The new mortgage company, Freedom Mortgage is not reporting they have my Mortgage. It still reports as XXXX XXXX XXXX XXXX and Paid. 

My Credit score has dropped 100 points ( No outstanding Credit. ) I even have a letter from Freedom Mortgage stating they have corrected this XX/XX/XXXX. They purchased it XX/XX/XXXX. According to All the Credit Bureaus it has not happened. They are still reporting my Mortgage paid off and with XXXX XXXX XXXX. 

I have contacted Freedom Mortgage over 11 times  since XX/XX/XXXX. I even have a direct line to Customer Service Escalations and he is no longer answering. I have contacted the VP of customer Service - NO RESPONSE XXXX  even had my residence as one I had not lived at for 4 years.
Product: Checking or savings account

I opened the checking account on XX/XX/XXXX, made XXXX direct deposits on XX/XX/XXXX, and XX/XX/XXXX totaling more than {$1000.00}, which is within the 90 day period after account opening. I am supposed to receive a one time {$400.00} bonus according to the terms during account opening. I went to the branch on XX/XX/XXXX, the representative wasn't helpful. I called the customer service on XX/XX/XXXX, they said that I should receive the bonus within 30 days. It has been more than 30 days, I still haven't receive the bonus according to their terms.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on 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 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: Credit card

i was charged by a merchant and i wasn't provided with any services they defrauded me and submitted fraudulent paperwork to BOFA and BOFA took their side and rebilled my account. If my account isn't credited i will be filing a civil lawsuit against BOFA.
Product: Debt collection

I've submitted multiple request for documents and the bureaus are ignoring me. Please help me
Product: Credit reporting or other personal consumer reports

I am writing to formally address the inaccurate information you are reporting on my credit report regarding the alleged debt associated with my account. This letter serves as a true bill and a demand for validation of this account under penalty of perjury, in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

Please provide me with the following documentation : A complete accounting for this account. 
A copy of the assignment of purchase from the original creditor. 
A detailed breakdown of every charge, including what was purchased, fees, payments, and interest credited. 
An explanation of how you calculated the amount you claim I owe. 
A full chain of assignments from charge-off to the present. 
Proof that you own the debt, including clear title. 
Evidence of your involvement in the original contract. 
It is essential to note that under FDCPA 809 ( b ), a debt collector is required to validate the debt upon request. A third-party debt collector can not assert an interest in an alleged debt without proper validation. Failure to provide this validation constitutes a violation of my rights under the FDCPA.

Furthermore, 15 U.S.C. 1681s-2 outlines the responsibilities of furnishers of information to consumer reporting agencies. If you verify inaccurate information with credit bureaus without providing the requested documentation, you may be liable for damages under this statute, including potential penalties for negligent or willful non-compliance. 

If you are unable to provide sufficient proof for the items listed above, you must delete this account from all three credit reports immediately. 

Be advised that I have retained an attorney who specializes in lawsuits against debt collectors, and they will be on standby for further action if necessary. 

Thank you for your immediate attention to this matter. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to the incorrect items on my credit report, and it has definitely been well over 30 days.
Product: Credit reporting or other personal consumer reports

According to 15usc1681e ( b ) it states accuracy of report wherever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maxium possible accuracy about the individual. 15 usc1681 s-2 states reporting info with actual knowledge of errors a person shallnot furnish any info relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that info is inaccurate. Also my information was breached at XXXX.
Product: Credit reporting or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$2000.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$940.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$800.00} XXXX XXXX XXXX ( Original Creditor:10 XXXX XXXX XXXX XXXX XXXXXXXX Balance {$1300.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$1400.00} XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance {$830.00} XXXX XXXX Balance {$900.00} XXXX XXXX XXXX Balance {$640.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX Balance {$390.00} XXXX XXXX XXXX Balance {$8000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

As a debtor to Suttell & Hammer, I feel compelled to share my experiences with this firm, which have been significantly troubling and warrant attention from the Consumer Financial Protection Bureau ( CFPB ). 

Lack of Communication : My primary grievance involves the firm 's consistent failure to respond to my communications for an extended period of over three months. Despite being a responsible debtor who has regularly met payment obligations, my attempts to engage with Suttell & Hammer have been met with silence. This lack of response has been particularly distressing given my current medical condition, which includes a XXXX XXXX requiring immediate attention and further treatment. 

Inappropriate Disclosure of Personal Information : Adding to my concerns is the firm 's handling of my personal information. Suttell & Hammer have engaged in conversations about my personal details with third parties without my consent. This not only raises serious privacy concerns but also reflects a disregard for professional ethics and client confidentiality. This includes searching for my and talking to friends to then suing my in court. 

Legal Concerns : The firm 's conduct does not align with the professional standards expected within Washington State 's legal framework. The disparity in their responsiveness and their unapproved sharing of my personal information are major red flags that question their adherence to ethical legal practices. 

Urgent Need for Corrective Measures : In light of these issues, I strongly urge Suttell & Hammer to take immediate action to rectify their approach. Their current practices fall short of the professionalism and respect that clients rightfully expect from a legal firm. 

I have taken steps to bring these issues to the attention of the XXXX XXXX XXXX the Washington State Bar Association, and XXXX XXXX for further investigation. Moreover, I believe it is critical that the CFPB is made aware of these practices, which may be indicative of broader systemic issues within the firm. 

Conclusion : My experience with Suttell & Hammer has been deeply unsatisfactory and distressing. I hope that by sharing this review, necessary steps will be taken to address these serious concerns and to ensure that future clients do not face similar challenges.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting a follow-up CFPB Complaint to request the removal and deletion of the fraudulent accounts and information from my Credit File in accordance with the Fair Credit Reporting Act section 605b. On XX/XX/XXXX, I sent a dispute letter along with my personal identifying documents and the FTC report that I received for reporting the fraudulent activities that I found on my Credit File. Through my research, I discovered that I can request an investigation into my Credit File under the protection of the Fair Credit Reporting Act section 605b and request that the Credit Reporting Agencies remove any accounts and information that resulted from the fraudulent activity. Therefore, I request that the Credit Bureaus remove the disputed items from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX KANSAS XXXX, MO XXXX XXXX XXXX KANSAS XXXX, MO XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX Balance : {$14000.00} XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$460.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. In the event that the Credit Bureaus find any documents that may support the claims that the disputed items belong to me, I request that they send me copies. However, if the Credit Bureaus do not find any such documents, I expect immediate deletion of the disputed items from my Credit File.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that are currently appearing on my credit report. After reviewing my credit report, I have found several accounts that I have no recollection of ever belonging to me. I am requesting that these accounts be removed from my credit report immediately, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, I have the right to dispute any inaccurate or incomplete information on my credit report, and the credit reporting agency is required to investigate and correct any errors or remove any information that can not be verified. 

XXXX XXXXXXXX XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. Therefore, I am requesting that this account be removed from my credit report immediately in accordance with my rights under the FCRA. 

XXXXXXXX XXXX  Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. Therefore, I am requesting that this account be removed from my credit report immediately in accordance with my rights under the FCRA. 

XXXXXXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. Therefore, I am requesting that this account be removed from my credit report immediately in accordance with my rights under the FCRA. 

XXXX XXXX XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. Therefore, I am requesting that this account be removed from my credit report immediately in accordance with my rights under the FCRA. 

XXXX XXXX XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. Therefore, I am requesting that this account be removed from my credit report immediately in accordance with my rights under the FCRA. 

XXXX XXXX XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. Therefore, I am requesting that this account be removed from my credit report immediately in accordance with my rights under the FCRA. 

XXXX Account Number : XXXX Im interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. Therefore, I am requesting that this account be removed from my credit report immediately in accordance with my rights under the FCRA. 

I appreciate your prompt attention to this matter. Please provide me with written confirmation that these accounts have been removed from my credit report, in accordance with the FCRA. 

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

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
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