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

A couple weeks back I received my investigation back from Equifax, which states you completed a fair investigation and these accounts are 100 % accurate. How did you investigate these accounts? According to the FCRA 15 U.S. Code 1681a this is how you're supposed to INVESTIGATE MY CONSUMER REPORT. Did you interview my neighbors? Did you interview my family and friends? Who did you speak with ( Names, dates of contact ( s ) ) Not to mention Equifax DID NOT send me ANY documents or paperwork showing these accounts are 100 % accurate and validated. Equifax has violated multiple laws ( listed below ) 15 U.S.C. Code 1681, 15 U.S.C. Code 1681a & 15 U.S.C.Code 1681i I demand you delete these accounts from my credit report, I have listed below : XXXX. Erroneous account direct violation of 15 USC 1681 reporting incorrectly XXXX Account Number : XXXX PLEASE DELETE FROM MY CREDIT REPORT IMMEDIATELY
Product: Credit card or prepaid card

I have severe health issues and use a lower limit ( Capital One ) Card for my son to order his meals and for a few auto-payments. My son had this card attached to his XXXX account and one of his online friends guessed his password and began using my card to " gift '' XXXX credits. I have never used this card for XXXX purchases and the charges to XXXX began last XXXX and increased in size and frequency. my son makes a lot of small purchases from XXXX XXXX  and I never saw anything other than that when I'd look at the last few purchases from time to time. 
I paid off a XXXX balance last month not realizing that thousands were from fraudulent XXXX purchases. Finally the card got declined and only then did Capitol One reach out to me ( while I was also realizing something was wrong ) at the very end saying there's suspicious activity. 
I explained my health situation ( I have full body Type XXXX XXXX also known as " the XXXX XXXX '' ) I am in constant treatments and often my discomfort and pain is too high for me to read or drive or even talk. I told them about my health situation. I also stressed that by XXXX it would be clear to ANYONE ( the charges began in XXXX ) looking at my statement that there were increasing amounts ( $ XXXX per week ) and I didn't get any alert for this. The total amount taken from me was {$8200.00}. I am being told that they will only reimburse the fraud from the last 120 days so that leaves thousands that I don't get back. 
It is mind boggling that SO many increasingly large charges FROM the same vendor in INCREASING frequency didn't prompt an alert from Capital One. I never have this issue with XXXX XXXX and had this been my XXXX XXXX I would've been notified in plenty of time to catch this. 
When fraud is this clear the Credit Card companies should be liable for their own lack of basic fraud protection to customers. I believe they were negligent as {$300.00} per week spiraled into {$1000.00} and STILL NO alert. Now because of my health issues I have no way to get three months of fraudulent charges back. The frequency and amount were clear indications of fraud. Capitol One has a fiduciary duty to protect me from fraud and they failed but I have to pay. They will never get my business again. Fraud protection should be mandated to at least catch these OBVIOUS EGREGIOUS patterns, and not everyone is able to be vigilant over every account at all times... .while fighting for their life.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER 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, SC XXXX XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XX/XX/2022 XXXX
Product: Credit card or prepaid card

On XX/XX/22, an autopayment of {$100.00} was applied to my CareCredit account. On XX/XX/22, I manually paid {$2700.00} to pay off my account. I then switch my autopayment from a specific dollar amount to Statement Balance to pay any future balance. 

On XX/XX/22, I received a letter from you that my autopay had change to {$0.00} and will be posted on XX/XX/22. However, on XX/XX/22, an autopayment of {$2700.00} was erroneously deducted from my bank account. This transaction was not legal. 

The payment was rejected because I only had about {$2000.00} or so in my account, not expecting an unauthorized debit of {$2700.00} from CareCredit. 

On XX/XX/22, I receive a letter that CareCredit has closed my account because I had two rejected payments. There is no record of a 1st rejection on your website. And the second rejection was an unauthorized, illegal debit from CareCredit. 

I have been a 20-year +customer, never had a late payment, and generally pay off my balances within the six-month promotional period. I called CareCredit three times, but I was told that no one could not reopen my account. So, I have subsequently filed three consumer complaints as noted and attached. 

My hope is this mistake was not intentionally in violation of the FDIC, XXXX XXXX XXXX XXXX, and other related financial regulations, but nevertheless, it needs to corrected. 

I would like my account reinstated immediately. I need this account for my pets in the event of illness or other unexpected vet bills.
Product: Credit card or prepaid card

American express sent me a platinum credit card, and failed to tell me they will charge {$550.00} for it. when I discovered it in their first bill I paid whatever I used and closed the account, they consented to closed and adjust to {$0.00} but they did not., instead the account appears in collection and unpaid the amount was {$550.00} for the fee, annually and unused. 
this account is hurting me.very deeply. I DO NOT OWE THEN ANY MONEY. the account # is XXXX. 
you should fine this company on top of forcing them to correct, and they also have waken and disturbed my sleep with tons of calls. 
I will not pay for what I do not owe. 
I will take this matter into whatever consequence because I love justice.
Product: Debt collection

The beginning of XXXX a dispute was submitted by XXXX to have collections removed by XXXX XXXX XXXX as the collections do not belong to me. I received an email from XXXX  on XX/XX/XXXX that my XXXXn dispute results were ready. I viewed the report and the three collections were in fact " DELETED '' from my report. Fast forward to XXXX XXXX XXXX, with no notice received from XXXX XXXX XXXX, the accounts have since been added back to my XXXX credit report. There are three separate amounts appearing on my report, XXXX XXXX XXXX- {$280.00}, XXXX XXXX XXXX- {$37.00} and XXXX XXXX XXXX- {$980.00}. I have since reached out to XXXX today, XX/XX/XXXX and was told " yes they were added back to your report ''. Now, I have not received any notice from XXXX XXXX XXXX or XXXX stating that these accounts would be added back to my credit report. This is unacceptable.
Product: Checking or savings account

On XX/XX/2023, I contacted BofA to file a claim for two transactions in the same amount for {$190.00} for the same merchant because the merchant tricked me after I made a purchase and I immediately requested a refund because I felt as though they had scammed me. I explained that to my bank and the claims process began. The bank issued a temporary credit for one of the transactions but not the other and I didnt understand why and I filed a complaint with the CFPB on XX/XX/2023. BofA finally concluded both claims and paid one of the claims and denied the other and I called them for an explanation on XX/XX/2023 and spoke with XXXX. XXXX told me that BofA received documentation from the merchant and that based on that documentation, both claims should have been approved and that she was going to re-submit the second claim for reconsideration and ask that it be expedited and she stated that it was a bank error but that it could take up to 45 days. I asked her why would it take so long given that the bank already received the documentation from the merchant to approve the claim and that she acknowledged that it was a bank error and she said that they could approve it faster. I asked her who she was referring to when she said they and she stated that she was referring to the research department at BofA. I asked her if the call was being recorded and she said yes and I advised her that I planned to file another complaint because I didnt believe that this was fair to me as the customer. 

***Footnote***I have another open complaint ( XXXX ) with the CFPB regarding the original claim and it has yet to be resolved even though BofA has stated that both claims have been resolved and I have yet to receive any written correspondence.
Product: Mortgage

I went to the us bank at XXXX to make my mortgage payment on XXXX. The bank hours showed they opened at XXXX. I was there at XXXX and the branch was closed. This branch is lacated in a XXXX and the store employees said this is common. I called the us bank mortgage phone number to complain and spoke to a really good rep that did everything she said that she could do but to register a formal complaint she said she needed to transfer me to the bank side. After being transferred the new service rep was basically useless and said I should call the branch to complain. The same branch where people did n't show up. I asked if they had a district manager to complain to and she said they did but she did not have the number and I should call the branch and ask them for it. This is terrible service and now I will have a late fee because the branch was n't open when they said they would be
Product: Credit reporting

My credit report has been ok with no late payment until just recently with XXXX XXXX ( XXXX XXXX Reporting wrongly on my report. I have asked XXXX XXXX to remove Late Payment Reporting on my Report. Upon talking to XXXX XXXX they claimed they have sent a letter to Equifax, XXXX to remove, till date nothing has been done. EQUIFAX has not only been evasive over my report, nor have they corrected or prevent this wrong information. Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ) This should not be happening. I am disappointed that you have failed to maintain reasonable procedures to assure complete accuracy in the information you publish and insist you comply with the law by providing correction of the information within the 5 days to avoid sue.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$3200.00} Late/Open XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$5400.00} Late/Open Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT in accordance with FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$520.00} XXXX  XXXX XXXX Balance : {$410.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$190.00} XXXX XXXX  XXXX Balance : {$35000.00} XXXX/DEPT OF ED XXXX Balance : {$5200.00} XXXX/DEPT OF ED XXXX Balance : {$5600.00} XXXX/DEPT OF ED XXXX Balance : {$13000.00} XXXX/DEPT OF ED XXXX Balance : {$6500.00} XXXX/DEPT OF ED XXXX Balance : {$120.00} XXXX/DEPT OF ED XXXX Balance : {$6600.00} XXXX/DEPT OF ED XXXX Balance : {$7500.00} XXXX/DEPT OF ED XXXX Balance : {$6100.00} XXXX/DEPT OF ED XXXX Balance : {$1900.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$4800.00} XXXX  XXXX Balance : {$11000.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$5600.00} XXXX XXXX  XXXX  ( Original creditor : XXXX XXXX ) XXXX Balance : {$300.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX  XXXXXXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX ( Original creditor : XXXX  ) Balance : {$540.00}
Product: Debt collection

NTL Recovery agency placed a false collection account on my credit reports. I contacted the agency and they had no information that related to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX XXXX there is some inaccurate information reporting. 
XXXXXXXX XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX  Account Number : XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files 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 & block 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 and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX - XXXX XXXX Balance : {$910.00}, XXXX  XXXX Inquiry : XXXX. XXXX, XXXX, XXXX XXXX XXXX  XXXX XXXX Inquiry : XX/XX/2023 XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$110.00} XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX : {$6400.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$2900.00} US DEPARTMENT OF EDU XXXX Balance XXXX {$3900.00} US DEPARTMENT OF EDU XXXX Balance XXXX {$970.00} US DEPARTMENT OF EDU XXXX Balance XXXX {$7400.00} US DEPARTMENT OF EDU XXXX Balance XXXX {$1100.00} US DEPARTMENT OF EDU XXXX Balance : {$570.00} US DEPARTMENT OF EDU XXXX  Balance : {$1900.00} XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX  Balance : $ XXXX & XXXX XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX. Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, TRANSUNION Last XXXX XXXX RE : First Progress To whom it may concern, I am contacting you account. because I have found some information that is PRIVATE BY LAW on my credit repor You are reporting a late payment on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX .and accordance with the fair credit act first progress,, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

XXXX  15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end XXXX  consumer credit plan as late for and purpose 15 USC 1681 S- 3 : ANY REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR XXXX EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORTI This PRIVATE I request that you verify the information and update the payment history account as " PAID, NEVER LATE '' immediately. 
After doing so please provide me with an updated reflecting the changes. 

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

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon

as possible. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SERVI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SER XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for collections. I have tried numerous times to have this situation resolved with no resolutions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

According to the XXXX website, PNC has made changes that prevent XXXX from linking to my checking account. This account would allow me to save up to 25 % on my fuel bills. Upon calling my local PNC branch, the teller had no idea why XXXX could not be linked to the PNC Account. XXXX had a link on their site to this site ( Consumer Financial Protection Bureau ) and suggested the problem would best be resolved here.