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

Acct Number ending XXXX Amount owed {$680.00} Bank America has been continuing to report to all the major credit bureaus that a fraudulent credit card that was opened under my social security is mine ( XXXX ), although they are fully aware that I am a victim of identity thief. 
Bank of America has continually used abusive, unprofessional and XXXX style tactics in their behavior with addressing this matter. In one of their only recent correspondence via a call with me they stated that a checking account from XXXX XXXX was used allegedly by myself to make payments as well set up this secured account They also stated if XXXX states that this checking account was a fraudulent account they would remove this from my credit bureaus. However, in their written correspondence they are now stating they would reexamine the matter. 
I have been in contact with XXXX and they have stated that I am not indebted to them from any accounts, therefore they will not provide any documentation for Bank of America. Also, that it is questionable, troubling and ridiculous that Bank of America would require another banking institution to provide such a letter to assist a consumer dealing with identity thief. 
Also, very important to note ; that Bank of Americas follow up statement to my original CFPB complaint, stated that XXXX confirmed that this above-mentioned checking account had my matching Social Security number. XXXX XXXX and Customer Advocate team stated and confirmed to me directly, per the companys policies and procedures they would never disclose sensitive private information about any consumer without a court order, to any third parties for liability reasons. Which means B of A completely and utterly fabricated lied about that entire encounter. ; troubling and disturbing. 
And most important, they B of A have stated ; they would be happy to remove the account if I pay them the monies owed ; regardless to fact, I have repeatedly stated Im an identity thief victim, which is blatant extortion ; again, extremely troubling and disturbing. 
Finally, Bank of America has continued to move the goal post, for me to effectively receive any kind of favorable outcome, also there are countless similar cases and situations ( hundreds of articles throughout XXXX, of questionable abusive tactics and practices involving getting monies from consumers ), where B of A has behaved in this manner.
Product: Credit reporting or other personal consumer reports

Subject : Request for Verification and Correction of Late Payment Information on Credit Report - Section 611 of the FCRA To whom it may concern, I am writing to you as a consumer to dispute the inaccurate late payment information reflected in my credit report issued by Experian. In accordance with Section 611 of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ), I formally request that you conduct a thorough investigation and verify the accuracy of the information in question. This request is based on my right to have only truthful and accurate information reported on my credit history. 
Specifically, my credit report shows late payments on the following accounts, which I believe are incorrect as the payments were made on time. Therefore, I demand that the following accounts be re-investigated and that any inaccurate or unverified information be removed in compliance with FCRA provisions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ( 30 days ) In accordance with Section 15 U.S.C. 1681e ( b ), you are required to maintain reasonable procedures to ensure the maximum possible accuracy of the information in a consumers file. Additionally, Section 15 U.S.C. 1681i ( a ) ( 5 ) mandates that if, after an investigation, you can not verify the accuracy of this information, it must be immediately removed from my credit file.

Furthermore, I am exercising my right to verification under Section 1681i ( a ) ( 7 ), requesting that you provide details on the method of verification used to confirm the accuracy of these late payment records. If you can not provide this verification in a complete and detailed manner, I demand the removal of all information related to the aforementioned late payments.

Please send me an updated copy of my credit file once the investigation is completed, as provided for under my right to access updated information.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report under my rights provided by the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( 5 ). This information is inaccurate and incomplete, and I request that the accounts be removed from my credit report entirely.

Below are the details of the disputed accounts : XXXX. 
Account Number : XXXX Nature of Dispute : This account contains several inaccuracies across all three credit reporting agencies. According to 15 U.S.C. 1681e ( b ), information on my credit report must be 100 % accurate, and I demand that the inaccurate accounts be removed. 
XXXX XXXX. 
Account Number : XXXX Nature of Dispute : This account contains several inaccuracies across all three credit reporting agencies. According to 15 U.S.C. 1681e ( b ), information on my credit report must be 100 % accurate, and I demand that the inaccurate accounts be removed.

DEPT OF ED/XXXX XXXX 
Account Number : XXXX Nature of Dispute : This account contains several inaccuracies across all three credit reporting agencies. According to 15 U.S.C. 1681e ( b ), information on my credit report must be 100 % accurate, and I demand that the inaccurate accounts be removed. 
XXXX XXXX XXXX XXXX XXXX 
Account Number : XXXX Nature of Dispute : This account contains several inaccuracies across all three credit reporting agencies. According to 15 U.S.C. 1681e ( b ), information on my credit report must be 100 % accurate, and I demand that the inaccurate accounts be removed.

In accordance with the law, I request that you complete the reinvestigation and provide me with a written response detailing the outcome within 30-45 days of receiving this dispute. If my request is not resolved within this timeframe, I will pursue litigation to collect {$1000.00} in statutory damages for each inaccuracy on my credit report, as permitted by law.

For your reference, I have included a copy of my credit report with the disputed accounts highlighted, along with any supporting documentation to aid in your reinvestigation. Thank you for your prompt attention to this matter. I look forward to your reply. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, 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 Account # XXXX XXXX XXXX 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 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 card or prepaid card

My wife and I had a Costco Anywhere VISA Business Card by Citi since XXXX, issued by Citi Cards. We both have a credit rating above 700 and have never been late on our payments. Our credit-line was over {$20000.00}. In XX/XX/XXXX, we decided to purchase a car and the dealer said it was okay to put some of it on our credit card. We only put {$5000.00} on the card, way lower than our credit-line. Days later, Citi canceled our card without any prior notification. Since we use the card in our family business, it was a great inconvenience and surprise. Moreover, the cancellation was suspicious because we have over {$750.00} cash rewards on that card. When we called to find out what happened, customer service said we had to wait for a letter but confirmed that Citi would forfeit our cash rewards that we had earned. Because of our high credit rating and patronage of over 10 years, that was an unfair business practice by Citi to act unilaterally and without notice. We asked to be reinstated but Citi refused to provide us with additional information on how to request reinstatement. Oddly, they sent advertisements of other Citi cards despite forfeiting our already-earned cash rewards. We were professional and paid off our statement at the end of the month as we have for over 10 years. Sadly, we typically would give part or all of the cash rewards we earn each year to our children to save for college. This unprofessional business practice had consequences for us in the forfeiture of the cash reward we had earned and that we had to seek a different card and, finally, our trust in Citi. We could have used a different card during that period and missed-out on other reward programs. Our reliance on Citi appears to have been misplaced.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following fraudulent accounts and inquiries from my credit report. I have recently learned that I am a victim of a data breach, and unauthorized access to my personal information has led to the reporting of fraudulent accounts and inquiries. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that these fraudulent accounts and inquiries be blocked and deleted from my credit report. 
Accounts to be Blocked and Deleted : XXXX. XXXX XXXX Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$10000.00} Unauthorized Inquiries to be Investigated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card w/Bank of America. I paid it off before the due date, but they still charged me interest on the next statement. I immediately called and cancelled the card since I had paid all the money I owed them for purchases. I told them that I would not pay interest on a balance that was paid off prior to the due date and, if they would not reverse the charge, then send my account right over to collections because I would not be giving them another penny. The following month, they charged me interest on the fraudulent interest from the prior month AND a late fee. I called again and sent a letter to stop compounding the interest and late fees on a fraudulent interest charge. I have called two more times since then, too. They admit that my account has been closed since my initial call, but they said they would keep charging me until I paid it and also keep hitting my credit report.  As a result, my score has gone down over 100 points, and I just got another bill today. The original fraudulent charge has ballooned from about {$30.00} to almost {$400.00}. It's predatory to keep charging me late fees and interest on a disputed charge ( which they've never addressed or investigated ), and it's ruining my credit. I want them to stop charging me and clean up my credit report. I also want them to reverse the original {$30.00} fraudulent interest charge.
Product: Mortgage

Gave insurance check from claim in XXXX. Previous XXXX fraudulently deposited checks made out to us and Freedom Mortgage. Got a 4th check for over XXXX XXXX that we sent them in XXXX after contractor stole the previous checks and didn't do the work. Have spent time since XXXX trying to get the mortgage company to release our funds so we can pay our contractor. For the last few weeks it's been " under review '' with a management team that won't contact us, gives us conflicting information, and has been no help. We finally got some sort of approval to have 50 % of our funds released with a contractor letter stating he could continue our house repair for that amount and that has also been " under review '' by that same team for weeks. Since XXXX, we have had XXXX funds released to us to pay our new contractor to fix our home from water damage and Freedom Mortgage has been running us in circles despite daily calling to get any funds released to us. Their phone center won't connect us to their banking department managers or our case processor and have been told at least 5 times that " we'll get a call back within 48 hours '' and have never gotten a call. They also won't release any information about the sending of the required fraud paperwork back to XXXX or XXXX XXXX XXXX about when the paperwork was sent, if there have been any updates, or what the status of the investigation is.
Product: Mortgage

My lender Nation Star changed the locks on my house with all my belongings inside before they were legally able to take over my house due to foreclosure. They never followed the eviction process required by the state. Also it is my belief that the house was rightfully mine until XXXX XXXX. Please see attached documents in order to review foreclosure details. After contacting the bank it took over a month to be able to re enter my home. Once I got into my house I found that all my valuables were missing\stolen. When I contacted the bank to report the issue they referred me to XXXX which is their property preservation team. XXXX then instructed me to file a claim through them. In order to file a claim I had to file a police report. Once I filed the police report the officer stated he closed the investigation per XXXX direction as stated in the police report attached. After a long period of calls and emails XXXX finally got back to me stating they questioned their employees and they had not taken anything. There was nothing further they could do and I would not receive any compensation for my valuables or early eviction. I then contacted Nation Star which in turn has also stated there is nothing they can do to rectify the situation. I have lost a total of {$50000.00} in personal property due to this wrongful eviction and theft.
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam : I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ). 

XXXX XXXX XXXX  {$790.00} XXXXXXXX XXXX  {$5500.00} XXXX XXXX XXXX {$800.00}
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices that violate the Consumer Financial Protection Act ( CFPA ). Cash App particularly failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Therefore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations and any inconvenience.
Product: Credit card

THIS COMPLAINT IS INREGARDS TO A CHARGED-OFF ACCOUNT THAT IS REPORTED TO MY CONSUMER PROFILE. DISCOVER BANK- ACCOUNT XXXX. THE ACCOUNT OPENED ON XX/XX/year>, BELIEVE IS INCORRECT AND UNJUSTIFIED AND THIS IS MY SECOND A T T E M P T TO RESOLVE THIS WITH YOUR COMPANY. THE DATES THIS INFORMATION IS BEING REPORTED ACCORDING TO MY RECORDS ARE INCORRECT. THE CHARGE OFF SHALL REFLECTTHE ACUAL DATE OF THE ACCOUNT BECOMING DELINQUENT. UNFORANTELY FOR ME MY CONSUMER REPORT INDIACTES DATES THAT ARE BEYOND THE DELINDENCY OF THISCHARGE OFF. I AM ASKING FOR A PROPER REINVESTIGATION INTO THIS ACCOUNT AND SHOULD YOU FIND THIS ACCOUNT INACCURATE, I DEMAND THIS TRADE-LINE DELETED ENTIRELY. ITS YOUR DUTY AS A DATE FURNISHER TO ENSURE 100 PERCENT ACCURACY WHEN REPORTING TO SOMEONES CONSUMER REPORT. THIS ISSUE HAS CAUSED DEFAMTION TO MY CHARACTER, EMOTION DISTRESS AND LACK OF CREDIT WORTHINESS. I AM DEMANDING ANY AND ALL DOCUMENTS IN REGARDS TO THIS HARGE-OFF ACCOUNT I NEED TO SEE ALL INFORMATION THAT PROVIDES EVIDENCE OF REPORTING ACCURACY
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within XXXX days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Product: Debt collection

I am filing a complaint for requesting unnecessary documentation to validate a debt. Requesting : Original Creditor : [ Provide the name of the original creditor ] Debt Collector : Date Opened : [ Date ] Date Closed : [ Date, if applicable ] Date Account Sold : [ Date, if applicable ] Date Charged-Off : [ Date ] Date of First Delinquency : [ Date ] Date of Last Payment : [ Date ] Balance : [ Current Balance ] Also requesting payment ledger ( statements, etc. ) and records of communication if applicable
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the fair credit reporting act. The list of accounts below violated federally protected consumer right to privacy and confidentiality under 15 USC 1681.

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 XXXX  XXXX XXXX XXXXXXXX auto sales XXXX  card services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not enter into a contract with XXXX XXXX XXXX of Maryland furthermore that is not my mane and signature
Product: Credit reporting or other personal consumer reports

After sending complaints here in CFPB these unauthorized and fraudulent inquiries are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the unauthorized and fraudulent inquiries that are reported on my credit report. These inquiries are NOT MINE! Attached you will also find my ID as proof of my identity.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> at around XXXXXXXX XXXX  PST after checking my credit reports on XXXX I noticed that my Experian credit score was much lower than it was at the other bureaus. I saw that it was because my credit mix was poor. Upon further investigation I noticed that my student loans which total {$110000.00} over 8 separate loans, the oldest of which is 13 years and 2 months, are not showing on the Experian credit report. Therefore my Fico 8 score on Experian is showing as XXXX whereas on XXXX it is showing as XXXX. Obviously, this is a huge discrepancy and has completely blocked my ability to apply for credit. 

At about XXXXXXXX XXXX., I called Experian to file a dispute. They informed me that I would need to contact XXXX, my loan servicer, as they only " report what they're given, so if nothing is showing, then it's not going to show up. '' At around XXXXXXXX XXXX, I began chatting with " XXXX '' on the XXXX website. At first she told me to contact Experian and file a dispute. I told her I already did that. She then told me that the " request has been submitted '' and that I'll receive a piece of mail with regard to the request in 2 to 3 days. I told them that that was unacceptable as I didn't submit any formal request and would like to at least have confirmation of what information was being sent and to whom. She told me that these requests are handled through US mail. I told her to show me the policy. She told me that she would send me an email containing the policy within 2-3 hours. I told her that an email would not be necessary and she should just send me a link to the website containing the policy. She directed me to the " Credit Reporting '' page on XXXX 's website. 

On this web page it says that " To dispute your credit report with XXXX, please send supporting paperwork to XXXX by postal mail at the address below. In some cases, we may be able to address your dispute or answers questions you may have about how to dispute your credit report with a phone call. '' However, the web page did not provide XXXXXXXX XXXX phone number, so I had to go to the contact page to retrieve the phone number. XXXX When I called, a person named " XXXX '' answered. I gave her the same information as the chat agent and once again was told that I needed to contact Experian. I gave her the same information before. She tried to get off of the phone. I told her that this is unacceptable and that I would like to talk with a supervisor. She placed me on hold for several minutes. 

Eventually, a man answered the phone but the phone cut out when he introduced his name so I do not have that. I repeated the same information and he informed me that my request was being sent to the " Credit Reporting Team '' at XXXX. I asked to be transferred to that department. He said that the only way I could contact them was the through US Mail. He then told me that the request had been " expedited '' and that I would receive a piece of mail with the results of the " investigation '' within 24 to 48 hours.