23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I noticed a charge on my card for {$190.00} from XXXX XXXX California on XX/XX/2020. I called to start a fraud claim. I didn't cancel the card then because I wanted to transfer the funds to another account. XX/XX/XXXX, my bank was closed so I transferred the funds via the website. I did not want to transfer the funds that way but had no choice. The gentleman that answered the call canceled the card and transferred me to the fraud department ; who completed my request. After filing the claim another transaction from the same company hit my card this time for {$290.00}. When I called back the next day to report it I was told it was still processing and another charge for {$98.00} was also pending from the same company. I was encouraged me to still speak with the fraud department again. I held on for three hours only for the call to be released. I attempted again today and the call was released again.
Product: Credit reporting or other personal consumer reports

Attached you will find a copy of an accepted IRS filing for the account listed for XXXX XXXX aka XXXX XXXX. The IRS considers canceled debt to be part of your income and taxable. The account is reporting in error as income is not reported on a credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is showing incorrect information on report. The account was never late and is paid off, attach proof of overpayment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to urgently request the removal of fraudulent information from my credit report. Upon reviewing my credit report for the purpose of purchasing a house for my family, I discovered multiple accounts, addresses, and names that are completely unfamiliar to me. This misinformation is damaging my creditworthiness and hindering my ability to secure a mortgage. 

Fraudulent Accounts : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never been associated with these accounts, addresses, or names. I request an immediate investigation into this matter and the removal of all false entries from my credit report. The impact on my creditworthiness is severe, and I need this matter resolved promptly. 

Please provide me with the necessary steps and documentation required to support your investigation. I am willing to cooperate fully and provide any additional information or evidence as needed. 

Kindly confirm in writing once the fraudulent information has been successfully removed from my credit report. Additionally, I request a revised copy of my credit report to ensure complete resolution of this issue. 

Thank you for your urgent attention to this matter. I trust in your ability to rectify this situation promptly. 

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

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX,15 U.S. Code 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies U.S. Code Notes prev next ( a ) DUTY OF FURNISHES OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonab e cause to believe that the information is inaccurate. 
( B ) Reporting information after
Product: Credit card

XXXX XXXX XXXX this company is holding my money hostage. It is not letting me access my funds and they will not let transfer my money into my checking account. When I call it is the same excuse. " we need to escalate and you have to wait XXXX hours for an update. They've done this numerous times. The card is a XXXX that has bonus funds added to it by my employer. They won't release my funds in excess of $ XXXX, when I login to my account I can see my balance of $ XXXX + but they won't let me transfer funds into my bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see complaint XXXX dated XX/XX/XXXX. 
In response to the complaint referenced above, Experian did NOT resolve/correct the errors on my report. Once again they sent me an email on XX/XX/XXXX stating the dispute had been resolved ( attachment # 1 ). They also sent me a letter dated XX/XX/XXXX stating that the dispute had been resolved ( attachment # 2 ). In fact, the dispute had NOT been resolved. In the abbreviated reports included with the email and letter, Experian deleted information for XXXX rather than correcting it. They further deleted information for XXXX & XX/XX/XXXX from one of the accounts. This information was deleted without cause or reason and is an act of fraud on the part of Experian. Again, they willfully, deliberately and intentionally falsified information on my credit report. Further evidence of Experian 's failure to resolve the dispute is provided in the full credit report of XX/XX/XXXX ( attachment # 3 ) in which the erroneous information of my allegedly being late on 2 accounts remains. Further, an address with a street name that has never existed still appears falsely. And if this was not enough, the cover letter of XX/XX/XXXX gives erroneous reasons for my filing the disputes, specifically that I had asked for a name or social security number to be removed which is not true.
Product: Credit card or prepaid card

On XX/XX/XXXX, a payment was processed for {$3200.00} on our XXXX XXXX Account. This was far more than we anticipated as we thought the account was set for minimum and not interest saving. As soon as we noticed the issue, we contacted XXXX and informed the account was notated of our intent and a refund would be initiated. We were given no other information or informed that payment would be attempted again. We saw funds return to our account on the XXXX  and assumed everything was resolved.

However, we awoke today to see that the charge was attempted again leaving us with only {$150.00} in our account. In reaching out to XXXX XXXX we learned that there was no refund but that money returned to our account as it was overdrawn by the charge and that it automatically triggers another attempt. We were told that we should have reached out to our bank but we were not made aware of any additional attempts until this time. We asked if they could stop the transaction or expedite a refund to give us funds to support our household. We were told that they could not. Rather we were advised we could use our remaining line of credit until it was processed but when pressed, they would not waive interest or other fees, effectively enriching themselves off the issue.
Product: Credit reporting or other personal consumer reports

You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error.

A FAIR RESOLUTION TO THIS TRAGIC INCIDENT WOULD BE FOR THE CREDIT REPORTING AGENCIES TO UPDATE THIS LATEPAYMENT ACCOUNT FROM MY CONSUMER REPORT IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Dispute of Account Request for Validation and Chain of Assignment Contract Account Number : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Transunion, This letter serves as a formal dispute regarding the accuracy and validity of the information you are reporting about the above-referenced account on my credit report. This dispute is made pursuant to my rights under federal consumer protection laws, including but not limited to : * 15 U.S.C. 1692g ( Debt Validation ) : Requires the furnishing party to provide validation of the alleged debt when requested. * 15 U.S.C. 1681s-2 ( Responsibilities of Furnishers of Information ) : Prohibits furnishing inaccurate or incomplete information to the credit reporting agencies. * 15 U.S.C. 1681b ( Permissible Purposes ) : Restricts the access and use of my credit information unless a permissible purpose exists. As the alleged debt is being reported to your bureau, I demand : 1. Validation of the Debt : Provide full and complete validation of this debt, including the original contract or agreement bearing my signature. 2. Chain of Assignment Contract : Furnish the complete chain of assignment contract to establish the lawful ownership and reporting rights of this account. Failure to provide this documentation will constitute a violation of my rights under the aforementioned laws. If this debt is being reported without proper validation or authority, it will be considered a case of identity theft, as defined under federal law, and I will demand its immediate removal from my credit report. If you are unable to validate this account or provide evidence of permissible reporting, you are required by law to promptly delete this inaccurate or unverifiable information from my credit file under 15 U.S.C. 1681i ( Procedure in Case of Disputed Accuracy ). Please note that failure to comply with this request may result in legal action to protect my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I also reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and other appropriate regulatory authorities. I expect a written response to this dispute, including any documentation you rely upon, within the 30-day period mandated by law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Checking or savings account

I opened a Popular Bank account with the sole intent to receive a XXXX payment from another country. The amount initially deposited into the account was either {$990.00} or {$1000.00}. Upon opening the account, I was thoroughly assured that I would never be charged any fees due to inactivity. I was adamant on this point because I did not intend on using this account for anything other than to receive one payment. After a few years, the payment never came, but when I attempted to close the account and take out my initial deposit, I was told that less than {$500.00} had remained in the account. This was shocking as I had never withdrawn any money from this account before. After about 1 week, I received a phone call from the bank informing me that they were willing to give me {$720.00} but no more. I went in a few days later to withdraw my money, before any more was taken, and I closed the account. When I closed the account, I requested a full printout including every transaction. The bank told me that they could not do that at the moment and when I asked to speak to the supervisor, I was told that I could not. The teller said that she would put in a request and would call me if/when I am able to see the transactions that they applied to my funds. I was never informed that there would be any fees charged and I expected my money to be untouched and available for me because I had never foreseen such an impropriety. I have just closed the account today and I am hopeful that the Consumer Financial Protection Bureau will assist me in reclaiming the {$270.00} that has been stolen from me by the bank.
Product: Mortgage

This is the second complaint I am entering for the same issue. 
I have attempted to call and repeated left messages with no response. 
XXXX XXXX CST left message, XXXX XXXX XXXX CST left message, XXXX XXXX CST left message, XXXX XXXX CST left message, XXXX XXXX CST left message. 
I received one phone call on XXXX acknowledging my complaint, and have not heard back since. 
My complaint is that I had a mortgage with Bank of America, the house has been sold, property transferred over 7 years ago. BOA still has my mortgage reported as open with a past due balance of over XXXX. This is negatively impacting my credit and prevents me from future home purchase and financing. I have tried to contact the bank prior to the complaint, but each time, someone at BOA will acknowledge that the facts I provided are correct and it is a mistake, and they will get back to me with a resolution. No one ever has.
Product: Credit card or prepaid card

My complaint begins with closing date XXXX payment due date XXXX statement. XXXX via app alert AMEX requested I make a payment because my current charges were {$2700.00} and requested I make at least a payment of {$1100.00}. Which I made through the app thinking this payment was going to the pay in full charges that was {$2700.00}. So, I made a payment on XX/XX/XXXX {$400.00}, XX/XX/XXXX {$1000.00} and {$190.00} through the app plus {$200.00} credits, total of {$1800.00} payments and credits. Minimum payment due for XXXX was {$800.00}. Payments through the app you can not select which balance to pay, it was explained to me their technology applies any payment to pay in full first then pay over time. XX/XX/XXXX bill is satisfied and extras {$1000.00} should have went to {$2700.00}. However, I learn from the next statement ( closing date XXXX payment due date XXXX ), the XX/XX/XXXX payment never went to pay in full charges but went to the pay over time balance, so now my min payment is {$2800.00} upon research this is because charges from XXXX were held back from the closing date XXXX in addition to the {$1000.00} not going to the correct balance. I made additional payments on XX/XX/XXXX {$530.00}, XX/XX/XXXX {$500.00}, XXXX {$700.00} and dissolve my points to pay {$610.00} which also were submitted on the XX/XX/XXXX but are backdated on the current statement. On XXXX I call to address the discrepancy and was told I should the correction on the next billing statement XXXX payment due date XX/XX/XXXX. On XXXX, I receive a call from AMEX saying my bill is past due. After being transferred 3 times and no one knowing what I am talking about, I explain to XXXX my phone call from XXXX because he was completely difficult and refused to look through the records. He says he will resubmit the request and again I am told it should be fixed in 24-48 hours. I call back on XX/XX/XXXX, I am transferred to about 5 to 6 people in between time I am hung up on and now I was furious! Every  associate has lied about their organization misappropriating my payments and manipulating charges to miss the correct billing statement. This predatory lending to say the least and I can not believe after 2 years and thousands of dollars this is the service they render to me showing no accountability and pathological lying. This is the same wonton behavior that led up to the Real Estate Crisis of XXXX and they will not get away with this.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my DEPTEDXXXX XXXX XXXXXXXX, DEPTEDXXXX XXXX XXXXXXXX, DEPTEDXXXX XXXX XXXX, DEPTEDXXXX XXXX XXXXXXXX, DEPTEDXXXX XXXX XXXXXXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Debt collection

I have tried to get this resolved with Experian for quite sometime. They are violating my rights under the FCRA. They have 2 southern ct gas companies listed that are n't mine. One for {$87.00} and another for {$1600.00}. What they do is put in no data at first then they 'll update it to 150 days late, then closed, and put it back as okay or open as if I 've been doing activity on the accounts which i have not. These accounts are not mine. I do n't agree with any of it including the amount. I do n't have utilities in my name. I have also put a fraud alert on my reports. I also do n't have an account/contract with credit control services. Once again they claimed to verify this account but in my complaint against them through your file number XXXX they stated that they could not find any file under my name. So how are they verifying this once again? Does an actual person investigate as they are supposed to under the rules of the FCRA? I do n't think so. The address of XXXX XXXX XXXX XXXX is also not mine.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX GA XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$25000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TN XXXXXXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

This letter is to notify you that I no longer am disputing this account. 

Please remove all consumer dispute statements from my credit profile as reported to the credit reporting agencies by your company upon receipt of this letter.
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 Balance : {$0.00} XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX Balance : {$30000.00} XXXX XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} Bankruptcy XXXX  XXXX Discharged Date Filed XX/XX/year> Docket Identifier XXXX
Product: Credit card

Ensuring punctual payments has always been my priority for this account, avoiding any instances of overdue payments. I'm puzzled by the existence of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections should be made.
Product: Vehicle loan or lease

I am a Senior XXXX years and a XXXX XXXXXXXX Retired Navy Veteran and going to purchase XXXX XXXX  XXXX VIN : XXXX, after the install of the Trailer Hitch I became ill with XXXX XXXX while on the road, under advisement of VA Medical that was a bad idea, I then had a second XXXX and then decided " Not too continue with the Purchase '', I was informed by the Sales Representative XXXX XXXX and the the Manager on duty that would be NO Problem because the Warranties were less than " 30 '' days. However XXXX XXXX XXXX XXXXXXXX had the the Trailer " SOLD '' on XX/XX/year> and also the wired " PAY OFF Amount '' wired to XXXX XXXX XXXX XXXX Account on XX/XX/year>, Then Mountain America Credit Union started sending me payment bills, and at this time Mountain America Credit Union did so.
Product: Vehicle loan or lease

Today I applied for an extension of credit with Bank of America, and was denied because of a credit score with a 3rd party company ( XXXX ). I wanted to contract with Bank of America because we have a long relationship and I thought it would be easier for me to do business with them when it comes to contracting. I filled out an application for an auto loan, on the application it asked me for my income information but due to the fact that the interest is due to the principal on the account it shouldn't matter what my income or what a credit score is. I am wanting to get a vehicle for personal and household purposes and I feel like I am being discriminated against by Bank of America. I would like to keep this relationship between me and BOA but using tactics that are not law to deny me credit is very distasteful.
Product: Credit reporting or other personal consumer reports

All three major credit bureaus XXXX, Trans Union and XXXX solicit paying for account services including credit monitoring or offer unsolicited products including checking accounts and credit cards that promote fixing my credit. 

Is this not an obvious conflict of interest? 

How can a supposedly unbiased 3rd party that controls if I'm able to buy a car, buy a house or even feed my family solicit me for services to pay them to fix my credit that they report on and that all credit providers use to judge my credit worthiness?
Product: Credit reporting 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. 


FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX  - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

Wells fargo in XXXX had fraud done on my account. Phone was stolen with purse whoever was able to get into my account and zelled themselves {$760.00} after multiple complaints and disputes filed wells fargo closed my account without warning