23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I had two fraud transactions on my Bank of America credit card on XX/XX/XXXX, with the amount of XXXX in total ( one is XXXX, and another one is XXXX ). 

I called BOA the first time I found the fraud transactions, and they refund me quickly However, on XX/XX/XXXX, BOA put those two transactions on me again with the name of XX/XX/XXXX XXXX XXXX. Though I dispute them again on XX/XX/XXXX, they made a final decision on XX/XX/XXXX and recharged me with the name of XXXX XXXX 

I called for several times to find out what happened, and a specialist told me that after investigation, these two transactions were to purchase health care products and the products were sent to my address. I asked for details about the address, and the specialist said it was my apartment address but different apartment number. They couldn't dispute these two transactions because the person living in that unit may be my relatives or friends. BOA insisted that it was my job to prove that that person had no relationship with me, and that specialist asked me to get the police report. I thought that was ridiculous but I still did what he insisted me to do. 

I got the police report, mailed it to BOA as they requested, and called to make sure they received it. They said they reopened the investigation for me and I could see the claim in my message center. This conversation happened on the early XXXX or the late XXXX, I couldn't remember clearly. Now, almost three months passed, I don't see any existing claim in my message center, nor get my money back. I think they lie to me and wait me to forget it.
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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these 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 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: Credit reporting

I have asked to have negative collection account information removed from my credit report since this erroneous charge off accounts are over seven years old from the original creditor and a debt collector keeps refilling or changing the date of the delinquency.
Product: Credit reporting or other personal consumer reports

This letter is a formal demand for Equifax to immediately block and remove fraudulent and inaccurate information from my consumer credit report. Pursuant to FCRA 605B ( 15 USC 1681c-2 ), you are legally required to take action within four ( 4 ) business days of receiving this complaint. 

The fraudulent accounts that must be removed include : 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 These accounts were not opened, authorized, or initiated by me. They are the direct result of identity theft and fraud, and their continued presence on my credit report is causing significant harm and damages. I have attached a list of these fraudulent accounts as well as a copy of my consumer XXXX credit report, which clearly shows these inaccuracies. 

Furthermore, I have attached a copy of my FTC Identity Theft Complaint ( No. XXXX ) as undeniable proof that these accounts are fraudulent. These accounts have been **removed and deleted** by other credit reporting agencies, yet Equifax continues XXXX inaccurately report them, causing ongoing harm to my credit standing. 

Your failure to properly validate the information provided by these companies is a blatant violation of the Fair Credit Reporting Act ( FCRA ), and I demand that all of these fraudulent accounts be REMOVED from my consumer credit report **IMMEDIATELY**. 

You are hereby instructed to DELETE these accounts without further delay and provide me with a corrected consumer credit report. Should you fail to comply, I will not hesitate to take legal action against Equifax under 15 USC 1681 ( e ) ( b ) and 15 USC 1681 ( i ) for the harm and injury caused by your negligence. 

This is your final notice. I expect full compliance with my demands and prompt resolution of this matter. Any further delay will result in immediate legal action.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I purchased a coinbase one advanced subscription for {$290.00}. On XX/XX/XXXX, After logging into my coinbase app at an airport in XXXX while traveling, my deposit and trading services were disabled. I request for them to be reinstated on XX/XX/XXXX, and I heard back on XX/XX/XXXX, that they could not be reinstated, but I could submit a request again on XX/XX/XXXX. 

Upon hearing this unfortunate news, I cancelled my coinbase one advanced subscription, as unlimited {$0.00} fee trades provides no value when my account can not trade in the first place. I was annoyed however as I had paid for a whole month but for the second half of the month I could not use the benefits. On XX/XX/year>, I asked the coinbase representative for a refund of 50 % of the coinbase one advanced fee because of this, but they would not grant this as I did not qualify for a refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian AND XXXX XXXX needs to follow the consumer Protection Law. I disputed XXXX XXXX XXXX XXXX XXXX services. I filed a complaint against both companies with the superior court of Alameda County based on reporting incorrect information on my credit file and negligence. in XX/XX/2020 XXXX XXXX XXXX attorney reached out to me and we settled because both companies were at fault on a proper loan modification and making correction to my credit file by removing 120 days late. I have asked experience in the past to properly investigate this account. the outcome of the dispute was that's XXXX XXXX XXXX and XXXX XXXX  or reporting it correctly. I believe Experian did not investigate or talk about this matter seriously. I am providing Experian with a court document and settlement with both Banks agreeing to remove the incorrect 120 days late. I'm expecting Experian to follow the law and make corrections to my credit file according to my call document. I was not selected as a XXXX XXXX customer so there is no reason select profile recessed can report me 120 days late. XXXX also refused to take my payments which is clearly stated in my complaint against the company. any of these leads showing on my credit report are not my fault actually I was damaged by XXXX Bank financially by reporting incorrect information on my credit files.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested security freeze to be placed under my information and demanded that my personal consumer information not be shared with anyone, any person, and/or any company but it appears it is still being shared without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type CREDIT CARD Date Updated XX/XX/XXXX Payment Received {$0.00} Last Payment Made XX/XX/XXXX Pay Status >Charge-off< Terms Paid Monthly Date Closed XX/XX/XXXX High Balance ( Hist. ) High balance of {$600.00} from XX/XX/XXXX to XX/XX/XXXX Credit Limit ( Hist. ) Credit limit of {$400.00} from XX/XX/XXXX to XX/XX/XXXX XXXX in accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX has violated my rights. 

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

My husband and I were under the Pandemic Relief Plan- Government with the mortgage company. In XXXX XXXX, we contacted XXXX XXXX because a remark from them was in our credit report saying that we didn't make payments. Mortgage companies weren't allowed to report customers that were under Pandemic Relief, however, they explained that they need to report that the balance went up. This reduced our credit score, and we couldn't do anything. We resumed our payments since XX/XX/2022 making payments every month. on XXXX XXXX, they reported a remark and all credit bureaus bring an average of XXXX points down to our credit again. We work really hard to have a healthy credit score and Mortgage companies can't make mistakes because for a customer is not correct and represent financial burdens, plus this types of remarks will stay in the records for 7 years.
Product: Credit reporting or other personal consumer reports

I am filling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceedings ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

In an attempt to have the collection removed, I tried calling the collection company. since the original account has been fully paid.
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. 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 XXXXhas violated my rights. 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: Credit reporting or other personal consumer reports

Subject : Dispute of XXXX Fraudulent XXXX XXXX XXXX XXXX Accounts Dear Equifax, I am writing to formally dispute XXXXXXXX XXXX XXXX XXXX XXXX  accounts that have appeared on my credit report. These accounts are not mine, and I believe they are the result of identity theft stemming from the Equifax data breach, as well as the XXXX XXXX XXXX XXXX XXXX XXXX XXXX My personal information was compromised during these incidents, which has led to unauthorized activity on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), 611, I request an immediate investigation into these accounts. I demand that these fraudulent accounts be permanently deleted from my credit file. This unauthorized activity is a clear violation of my rights as a consumer, and I hold Equifax accountable for ensuring my credit report reflects only accurate and verified information. 

Please complete this investigation promptly and provide written confirmation once the accounts have been permanently removed from my credit report. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I wasn't allowed to make payment arrangements. I explained that this occurred in the middle of the pandemic. Paragon submitted to all 3 credit bureaus before the 180 days requirement. 

The debt seems to be a co-pay from my insurance.
Product: Credit reporting or other personal consumer reports

I sent a dispute for inaccuracies in my report, they reporting late payments on accounts named XXXX  and XXXX XXXX. They removed XXXX of the lates. However this is inaccuracies and against the law to be reporting what is considered an exclusion in the transaction, the lates.
Product: Credit card

I had XXXX credit card accounts with Synchrony Bank oXXXX with Care Credit and the other with XXXX XXXX I paid off both accounts in XX/XX/XXXX. I happen to notice in XX/XX/XXXX my credit score dropped by XXXX points! I called Synchrony Bank and was told because interest accurred after I paid off the account and because I had not paid on the account since XX/XX/XXXX that is why my credit score dropped. I was told at that time by Synchrony bank they would look into the matter. Because of bad reviews from other customers about similar issues and even though I didn't owe any balance on a paid off account, I went ahead and paid the {$20.00} balance on both accounts because I didn't want my credit score affected again. I disputed the issue with Equifax and There was a message from Synchrony Bank added to my credit report. As of XX/XX/XXXX I have not heard from Synchrony Bank and on the Discount Tire account there is now another {$20.00} balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS DISPUTED ARE NOT MY ACCOUNTS, THOSE ACCOUNTS ARE REPORTING INACCURATELY ON MY CREDIT REPORT AND I WOULD LOVE FOR THEM TO BE PERMANENTLY DELETED OFF MY CREDIT FILE. PLEASE INVESTIGATE THOSE THAT ARE BEING DISPUTED FOR THEY WERE NOT ACCOUNT THAT WERE AUTHORIZED BY ME. I HAVE NO IDEA WHO WOULD HAVE ACCESS TO MY PERSONAL INFORMATION TO BE AUTHORIZING CARDS UNDER MY NAME AND SOCIAL SECRUITY NUMBER. PLEASE HAVE THOSE ACCOUNTS PURGED OFF MY CREDIT FILE.
Product: Mortgage

I paid {$66000.00} cashier 's check on XX/XX/2017 for closing with XXXX XXXX XXXX on closing my mortgage was {$540000.00}. XXXX XXXX XXXX breach my contact and sole my note to FREEDOM MORTGAGE in XXXX of 2017 of which the debt is fully satisfied at this point. I don't have no contract with FREEDOM MORTGAGE and XXXX XXXX XXXX never gave me my financial compensation for selling my note fraudulently. A note is a security agreement and can't be separate from a deed. I'm the only lien holder on this set property according to the documents I received from the XXXX of XXXX of New York.
Product: Credit reporting or other personal consumer reports

I am filing this report with the CFPB to formally dispute several unauthorized accounts listed on my credit report. I am a victim of identity theft and request that these accounts be blocked from my credit file under Section 605B of the Fair Credit Reporting Act ( FCRA ) .According to this law, you are required to block fraudulent information on a consumer 's credit report within four ( 4 ) business days after receiving appropriate documentation. My personal information was exposed in the EQUIFAX DATA BREACH. PLEASE REFER TO THE EQUIFAX DATA BREACH SETTLEMENT REFERENCE NUMBER TO VERIFY MY VICTIMIZATION specifically 15 USC 16821c-2 ( a ). I am entitled to request that my accounts be blocked and deleted due to the unauthorized access to m personal information. The breach has compromised my data and I am concerned about the identity theft and misuse of my information. Please find my details below for your reference. Full Name : XXXX XXXX Social Security Number : SS # XXXX Date of Birth : XX/XX/year> Current Address : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Texas XXXX. I kindly request that you take immediate action to block and delete all accounts that have been compromised as a result of this data breach. Additional, please provide me with written confirmation once this has been completed. If you require any further information or documentation to process my request, please do not hesitate to contact me at the phone number or email address listed above. Thank you for your prompt attention to this matter. I look forward to your swift response.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX I ordered a XXXX for the amount of XXXX, when I got into the car the driver asked if I could pay in cash instead of through the app which I agreed. Since paying the driver in cash, the driver should have canceled the ride on the app so that I would get my funds back onto my card. When checking my bank statements I seen that the funds were never reimbursed. I contacted XXXX for support but was unable to speak with anyone since the time had passed for a refund on the ride. I then proceeded to contact XXXX  to dispute the transaction. Ive contacted XXXX  support between XXXX XXXX XXXX  and they denied both disputes based on the summary of my transaction from my account which isnt enough proof to deny my claim, when the transaction is still going to be on my account when the money was in fact never reimbursed to me. So I paid the merchant twice, in cash and through card payment. I have filed a complaint with XXXX as well. This is not my first issue with XXXX and they are in the middle of a lawsuit for fraud, closing customers account without reasons and plenty more allegations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have NEVER had a paid EXPERIAN Membership, it has always been free. I do not sign up for XXXX, because I know what I do and don't do. I am a single woman living alone, I do not have credit cards I do not have major debt my cars have been paid off. 

I have always monitored my Experiab account, through the app for years ; under a paid membership ; I literally just look at my score. As reporting disputes directly through EXPERIAN, gets you nowhere. 

Afrer my several reports through CFPB, I log into my EXPERIAN app today to see them trying to charge my card for an upgraded membership I didn't sign up for agree to or was given any priori notification of. Since when was EXPERIAN, allowed to upgrade my account for me without my knowledge and then try to charge my debit card for an amount I have no knowledge of and didn't agree to? 

It's giving not wanting to do your job, targeted harassment, XXXX, and ways to keep me from monitoring my credit report. It's giving class action lawsuit... I have documented this, I expect a response by end of business this week.
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM IT MAY CONCERN, My name is XXXX XXXX, and I am writing this statement on my behalf. I recently discovered that I am a victim of identity theft and have had several accounts opened under my personal information without my consent. My information was used to obtain financial services or goods without consent. I am requesting that the following information be removed from my reports immediately. The accounts I am requesting to be removed are listed in this file and my personal statement below. Accounts to be removed : - XXXX XXXX XXXX - OPENED ON XX/XX/XXXX - XXXX XXXX  - OPENED ON XX/XX/XXXX - XXXX XXXX- OPENED ON XXXX. XXXX XXXX - OPENED ON XX/XX/XXXX - XXXX XXXX XXXX  - OPENED ON XX/XX/XXXX - XXXX XXXX XXXX - OPENED ON XX/XX/XXXX - XXXX XXXX XXXX XXXX - OPENED ON XX/XX/XXXX - XXXX XXXX XXXX - OPENED ON XX/XX/XXXX - XXXX XXXX XXXX XXXX  - OPENED ON XX/XX/XXXX - XXXX XXXX XXXX - OPENED ON XXXX
Product: Mortgage

XX/XX/XXXX - Pre-qualification for a discover home loan. 
XX/XX/XXXX - Spoke to XXXX XXXX. He reviewed my documents submitted, monthly income from employment, Rental Income from my XXXXXXXX XXXX Said I qualified and my debt to income is very low. He forwarded my file to my actual loan processor at that time XXXX who then reviewed my filed and sent it to underwriter for final approval. 
XX/XX/XXXX - Underwriter requested my CD 's, Savings and Income and losses for XXXX for XXXX house rental. I then sent a message to the underwriter that this house is undergoing repairs to be sold and was to be excluded from the home equity loan application process. 
XX/XX/XXXX - The underwriter declined my Conservational Loan ( Home Equity Loan ) with the reason of debt to income is too high. 
XX/XX/XXXX - Rep provided explanation that shows underwriter calculation method used to calculate my debt-to-income ratio as follows. 

Income XXXX {$2600.00} XXXX XXXX {$3000.00} XXXX XXXX XXXX {$660.00} Total {$5000.00} XXXX XXXX {$29.00} XXXX {$30.00} Child Support {$200.00} XXXX {$910.00} Current Housing Expense {$1400.00} Adding back XXXX {$23.00} Total {$2500.00} {$2500.00} divided by {$5000.00} equals 50.84 % DTI The underwriter calculated the XXXX XXXX Loss of {$660.00} by dividing the XXXX XXXX XXXX loss of {$7900.00} by XXXX. 

This calculation method shows my rental losses from XXXX divided by 12 months was deducted from my current XXXX monthly employment income, although I was not given any credit for my current XXXX rental income. 

In addition of this calculation, a monthly loss of {$910.00} from XXXX XXXX XXXX monthly loss was used to increase my monthly liability although my XXXX house has been a second home in XXXX undergoing repairs to be sold. 

This calculation method increased my current debit to income ration causing them to decline my home loan. 

When I enquired what federal mortgage rules or guidelines was used, they said it was their internal underwriting policy that they were not able to share with me.
Product: Debt collection

I paid my final bill with this utility company after the end of my lease. Months later I receive a bill in the amount of {$21.00}. Once I received the forwarded bill to my XXXX XXXX , I mailed it in and the check was returned " cashed '' by the same utility company ( XXXX ). I then received a letter from Rickart Collection Systems requesting payment. I have attached both the collection notice and the proof of the cashed check.