23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This mortgage account was paid off and closed on XX/XX/2018. I have received a letter stating this from Select Portfolio Servicing ( attached ). However, SPS continues to report a balance of {$570000.00} to each of the Credit Reporting Agencies. I have submitted multiple requests in writing and by phone to fix this but they say they can't change their records. 

Section 623 ( a ) ( 1 ) of the FCRA says " The FCRA prohibits information providers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. '' Further, section 623 ( a ) ( 2 ) says " ... the furnisher must promptly provide complete and accurate information to the CRA ... and must thereafter report only complete and accurate information. '' My lawyer says the next course of action is to file a lawsuit to obtain a court order for correction, plus compensatory and possibly punitive damages. 

I look forward to a positive response from SPS.
Product: Checking or savings account

I bank at Chase Bank and on XX/XX/XXXX a check that was supposed to be sent to XXXX XXXX for {$250.00} was superimposed and my signature was forged by someone inside the bank and {$500.00} was taken from my account. A complaint was filed to the check forgery department on XX/XX/XXXX and on XX/XX/XXXX, XXXX a supervisor at Chase Bank stated the complaint that was filed was still being investigated and it takes at least 30 days. I would like my {$500.00} returned and no one at Chase Bank wants to assist in doing, or at least provide a conditional refund of the money until the complaint has been investigated.
Product: Credit card

I invited my son and his girl friend over to my house for XXXX. He stole 3 of my credit cards which I didnt know were missing. I received a bill from one card and knew it had to be him. I went to his house and demanded it back not knowing that he still had 2 other cards. On XXXX I got another bill and realized he still had my cards so I went and got them back and called the police and reported to them that he stole them. I called the credit card companies and canceled the cards. They said he had authorization because he is a relative.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached is an Identity Theft Report with following fraudulent inquiries listed on my equifax credit report. 

Equifax Fraudulent Inquiries XXXX XX/XX/2023
Product: Debt collection

I have contact this company at least 2 time about this company XXXX XXXX XXXX Summary of your complaint Complaint number : XXXX Date submitted to CFPB : XX/XX/2017 XXXX XXXX XXXX XXXX XXXX /XXXX XXXX XXXX/ nowXXXX XXXX XXXX still XXXX XXXX XXXX I have tried and my attorney has written a letter to Experian as well as your company Payment Status Details Balance {$510.00} Public Record Summary Public Records 0 Yet i recieved a report for credit from EXPERIAN that there is a Public Record that not true Experian is giving false  accounts of Public Record
Product: Prepaid card

We got XXXX gift card from friend but when we try to use it the balance was already used by someone.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX & XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. XXXXonsumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : TXXXX XXXX XXXX XXXX XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. 

Thanks,
Product: Checking or savings account

On XX/XX/XXXX, I checked my Capital One checking account and found that my deposit was not processed. I waited until the end of the business day, and still nothing. Later that evening, I received an email from Capital One Bank stating there was a system issue with their service provider, and it would be resolved by XX/XX/XXXX. Its now XXXX XXXX  on XX/XX/XXXX, and my funds are still missing. This is unacceptable. I expect immediate action to have my funds deposited. If this is not resolved promptly, I will be forced to close all my accounts and switch banks.
Product: Credit card or prepaid card

Same thing happened to me! They said that I had to file a claim AFTER the purchases cleared! I got a hold of the company where the purchases were made and they refunded the money as I caught the transactions the day they were made. So, I got the refund, but my card was cancelled due to fraud. I paid the {$20.00} to have it expedited with 2 day delivery. It has now been 4 days and still no card. Not only that, but now I can not get a hold of a live person because my card has been cancelled. When I select the option to see the status of my new card, it says they temporarily can not help and it hangs up I honestly think that someone has hacked their computers because I am finding a lot of people have had their accounts drained by fraud in the last month.They said it was probably because I have used my card online to order things. But, I have NEVER used my card for any online purchases!
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I was introduced to a company that was very popular online XXXX XXXX  XXXX, they claimed they had their headquarters in Florida USA and that they were customers of Bank of America. They claimed to be a XXXX  firm devoted to Private Transportation Services. The deal was inviting people to take part by buying one of the different packages they offered and becoming an investor. At first, I doubted but then I asked how was I supposed to become a customer and they gave me their Account N at Bank of America for a wire transfer. As I am also a BOA customer and I have been for 11 years so far, I did not doubt for a minute, as I never imagined Bank of America would have scammers as customers who would hold an account with them and using it to commit fraud as it happened to me. So I transferred these people USD XXXX  in 4 different transfers ( I attach the screenshot ) from my account at BOA to theirs, the details were : Beneficiary : XXXX XXXX XXXX, Account N : XXXX XXXX XXXX - ACH Routing N : XXXX XXXX. The deal with these people was that as I become an investor I would be getting a dividend on the amount I invested with them, that fund would be in the form of XXXX and would be deposited on my online account at XXXX : XXXX, once there I could withdraw them or do whatever I wanted with them, I would be getting them on a monthly basis but after 4 months and in spite of the fact I do see the dividends appearing on my account none of us, the investors, have been able to withdraw, transfer or move and do whatever we wanted with the funds, meaning this is by now a fraud as those credits are worth nothing if you can not even move them somewhere. Today, with just stating XXXX XXXX on XXXX you may read about how famous they are by now by the numerous members they cheated. The issue was I contacted BOA and asked for explanations, how it was possible they were cooperating in some way with this fraud by having as customers scammers like these without investigating them, but they said there was nothing to be done to recover my funds and washed hands off the issue. Moreover, I have had to call myself a thousand times and was passed from one operator to another to find out my claim was disregarded, they did not even send me a notification as they said they would do. So not only I feel fooled by these scammers, but also by BOA who is not helping me at all and not even showing interest in my issue. I sent these scammers 4 different transfers totaling XXXXusd on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2021 I arrach a screenshot. I also have known these scammers are also cheating people through another Bank : XXXX XXXX : Beneficiary : XXXX XXXX XXXX Account N : XXXX XXXX Routing : XXXX XXXX : XXXX XXXX : XXXX They claimed their address is at XXXX XXXX XXXX. XXXX XXXX Fl, Phone : XXXX ( XXXX ) XXXX I know the name of the so-called " director '' as he claimed himself was a guy named XXXX XXXX XXXX attach a screenshot of his ID card which has been posted by other victims.
Product: Credit reporting or other personal consumer reports

I am following up on a previous dispute that was filed in which I requested that multiple accounts listed on my credit report be validated and I was specific asking for documentation that was used to determine the account to be valid. If there was no validation or documentation provided then by law the account was to be deleted. Equifax failed to provide either the proof of validation or deletion of the account. They are now liable for damages under the law for willful non compliance. Further they failed to address all of the accounts that were disputed. I will be seeking damages at this point.

So again I request that all information for the accounts listed below be provided in writing to me which includes but not limited to : the original contract with my wet signature, full transactional history from date of opening to present or closing of the account, any other documentation that was use to verify the account as being accurate. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Good afternoon, following my 2 former complaints in the last 3 months, I still have the same issue from Chase since the beginning : despite having XXXX $ on my account, Chase keeps charging me monthly fees today ( statements attached ). So I am still need the help of CFPB to fix it please. Thank you. Regards. XXXX XXXX Historical Reminder : Good afternoon, in XXXX, I created my company XXXX XXXX and I needed to open a Business account. So I chose Chase because they had an offer when you did a deposit of XXXX XXXX you did not have to pay monthly fees for new Business account. Beginning of XXXX, I have started receiving monthly fees to pay with no notification from Chase that they changed their rules of having now a minimum of XXXX $ of deposit. So I had an appointment in XX/XX/XXXX to explain the situation with my contact at XXXX XXXX Chase branch ( with XXXX XXXX ). She supposed to reimburse the current fees and I had a check of XXXX $ to have a total of XXXX $ as a start. But the next month I have been continuing having fees of XXXX $ per month. I have let several voicemails and emails to XXXX XXXX to understand why I was having ( and still have ) this situation. XX/XX/XXXX I called the Chase Service Center after talking to XXXX different agents, the only answers were : ''Try another branch '', ''Try to have another appointment with the same contact '' or ''we can not help you online ''. My Business account statement from XX/XX/XXXX ( attached ) shows exactly that what I did was supposed to be done but they did not stop de monthly fees. I have no other solution to complete this complain because I do know how to fix this situation which is originally a Chase ' mistake. Today XX/XX/XXXX : I receive an email about the bank account statement availability of XX/XX/XXXX : Once again, with the same error, they started charging me the XXXX $ fee even if my bank account was at XXXX $ in XX/XX/XXXX ( statement attached to this new complaint, with the other documents I attached on my first complaint ). So I would like to have your help again please to fix the same error. Regards XXXX XXXX ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying for over a year to dispute two accounts from Experian. One is from XXXX XXXX XXXX I have submitted documentation to them proving this was paid in full by my insurance before the creditor had the account. They have opened and closed my dispute as little in 10 minutes without reviewing my documentations. The same has happen with XXXX XXXX XXXX  reported in 2017, my deceased finance opened this account without my knowledge I contacted the creditor and told me I wasn't liable. I'm no longer allowed to dispute this two accounts from Experian,
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXXXXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXXXXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$170.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is a fraudulent account I have been trying to dispute for months now but it has not been removed! This is not my account my personal information has been compromised and I would like this account removed immediately! I continue to be a victim of these fraudulent actions?
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been writing all three credit bureaus since last XX/XX/2017 ( see attached ) Transunion, XXXX, XXXX Dispute Letters with the dates times and amounts there was a total of 109 inquiries. I also disputed a closed account with XXXX 's even with the police report they said its mine the account is but paid off in full there is a police report that states its not mine. There are new inquires that I just updated the police report with them and I need them removed immediately and not in 30 days. There is a collection account as well that is not mine on all three bureau ( see attached ). I just want the following done about this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

The 3 Credit Bureaus failed to notify me about the issue on CAPITAL ONE BANK USA N with account number XXXX. Thus, I have seen a lot of errors in the recent report which is not acceptable since it is hurting my credit score tremendously. There is no complete payment history and remarks were totally different from each of the bureau. This account should be removed since it is no longer used unless they can provide proof to validate the result of their investigation.
Product: Debt collection

I mailed Portfolio Recovery Associates, LLC a letter requesting debt validation in XX/XX/2019. In that letter I requested that the company send me original contracts and complete billing history. The company failed to validate the debt and mailed me a photo copy of one billing statement. This does not prove this debt is mine. The company also filed a civil suit after not validating my debt.
Product: Credit reporting or other personal consumer reports

RE : Formal Dispute of Experians Failure to Properly Investigate Disputed Information To Whom It May Concern, I am filing a formal dispute regarding Experians mishandling of my prior disputes and their failure to comply with the requirements of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). The CFPB 's recent lawsuit highlights systemic issues with Experians handling of consumer disputes, which are directly relevant to my experience.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT RE : Unauthorized inquiry to my consumer report ; demand for Deletion and {$1000.00} Settlement. To : Whom it may concern You are in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) XXXX ( f ) ( i )., for unlawfully obtaining my XXXX XXXX and XXXX XXXX report on XX/XX/XXXX, XX/XX/XXXX without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose. A person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 2. The purpose is certified in accordance with section 1681b ( f ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ). 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. I have not initiated any transaction with Credit Plus, Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with Credit for review or collection. Furthermore, under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both, 15 U.S.C. 1681n ( a ). 15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; Specified Remedy : Please send payment Via Check Payable XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Yours Sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

The mistakes on my report are negatively impacting my scores and limiting my financial opportunities. Its unfair to be penalized for errors that have nothing to do with me, and Im extremely frustrated by the consequences.
Product: Credit reporting or other personal consumer reports

I am sending to bring to your attention the presence of inaccurate information on my credit report with your agency. The incorrect details are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The aforementioned inaccuracies are materially affecting my creditworthiness and causing harm to my financial well-being. I believe it is crucial to rectify these errors promptly. 

I have conducted a thorough review of my financial records and can provide supporting evidence to substantiate my claims regarding the inaccuracies. Attached to this affidavit are copies of relevant documents that demonstrate the discrepancies, including but not limited to : Bank statements, payment receipts, and correspondence with creditors I request that you undertake a complete and fair investigation into these matters and take appropriate action to remove the inaccurate information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy of the information you maintain and report. 

Furthermore, I request that you provide me with a written notification upon completion of your investigation, including details of the actions taken, any changes made to my credit report, and a revised copy of my credit report reflecting the accurate and updated information.