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

XX/XX/XXXX Received email from BOA act overdrawn, due time a XXXX illegally went into my account without my authority and debited funds for {$150.00} per statement Processing Transaction layer CHECKCARD XX/XX/XXXX XXXX XXXX XXXX XXXX FL activity type debit status type icon pending Processing. Select to mark activity type debit XXXX CHECKCARD XX/XX/XXXX XXXX  XXXX XXXX  XXXX FL as Reconciled XXXX XXXX negative {$77.00}. 
When I contacted BOA was on hold over 20 min then transferred to their fraud dept-spoke with a XXXX XXXX as she said there is nothing they can do until the transaction goes through.I suggested to close and reopen new debit card as this company has access to my debit card from a purchase of med supply for XXXX. NOT fair when this has placed my account in a " negative '' and no funds available to me.nBOA could have stopped the PROCESSING transaction from coming in as they chose not to. How can BOA authorize XXXX to take control of my act and leave me with no funds? BOA did absolutely nothing and aware. After my research this company has a 1 out of 5 rating and illegally taking funds from customers act and apparently an issue. BOA did not make any efforts in trying to resolve and left me without funds due to a unauthorized transaction. NO pmt pattern of such as they allowed me to have no funds available. I also went into the bank as the called a XXXX in the claims dept as he also did absolutely nothing to resolve issue as BOA will sit on this and wait until this transaction go thru and wait until they hear from the company, not fair.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. When I reviewed my credit report, I discovered that some of the account was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance Owed : {$23.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3100.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$860.00} XXXX  XXXX Balance Owed : {$0.00}
Product: Debt collection

As a customer I have the right to file a complaint that raises a matter of concern for my benefit I rather not negotiate any terms or conditions with ACA it is in my best interest to consult these allegations through my lawyer pertaining CFPB ( XXXX )
Product: Payday loan, title loan, or personal loan

I applied to XXXX XXXX XXXXt for an Educational loan to obtain a course for {$500.00}. I applied partially online and the processed continued over the phone with a representative from Affirm, who is the XXXX Party Company that provides the loans for XXXX. I accepted the loan under XXXX 's advertising, which was : Online access, a program to follow within XXXX and also a book that I should have received within XXXX XXXX. The program also included : Personalized homework assignments, XXXX customizable quizzes, Guidance from a team of XXXX experts, Every official XXXX question ever released, XXXX XXXX of exclusive live and on demand lessons, The HardesXXXX XXXX Question Prep, HIGHER XXXX  SCORE. GUARANTEED or money back and the ability to cancel the program within a XXXX 
I received the materials disorganized, which was confusing. The program was so post to be organized and easy to follow as per XXXX 's advertising and this was not true. Aside from the above, I first obtained access online, but the online access did not work without the book because it was part of a program that had to be follow step by step. I received the book a XXXX XXXX XXXX XXXX later and I noticed the program they advertised was not was I was sold. I called within the XXXX of the purchase to cancel and obtain my money back since it was part of the program and I was informed that in order to obtain my money back I had to call within XXXX XXXX. I explained that this is not what I was told over the phone and that it would be impossible since I received the book later than XXXX XXXX and part of the program was to try it and in order to follow the program I had to have both things ( online access and the book ). I order the educational material in the year of XXXX. I informed them that I was XXXX XXXX XXXX XXXX. My credit report shows delinquencies in XXXX all of the way until XXXX. I paid Affirm {$500.00} and informed them that I had not received the product correctly and I was informed by Affirm that they are not XXXX. I called XXXX and they said that it was a legitimate charge and it was not a legitimate charge since I paid and did not received the product. 
I formally request XXXX and Affirm to investigate, correct the account and my profile, return the money and remove all incorrect delinquencies from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax several times via phone online, and via first class mailings on many occasions in regard to several accounts that was placed in my name that did not belong to me and that I did not authorize, and I am not familiar with. I get the same results each time and I have had it, it makes it look very bad on my credit report and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have numerous accounts that does not belong to me reporting inaccurately. I have disputed and reached out to Equifax several times and they say the same thing over and over. The companies either need to send proof or validation or it needs to be removed. These accounts do not belong to me. I've done the FTC Identity theft report number XXXX, I've called Equifax and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was taking care of it only to find out she had the account set to auto review as the next representative stated in the last phone call, I haven't had any luck with this. The following accounts are what is being reported : XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. I also want the following unauthorized inquires from XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX removed. I have even sent copies from XXXX & XXXX  showing that they deleted items that Equifax keeps saying verified. How can they all be using the same information, but some bureaus are correcting items & the other is saying verified which is totally incorrect
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$15000.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to file a complaint regarding a case of identity theft that I have recently discovered. I believe that my personal information has been compromised and used fraudulently to open accounts without my knowledge or consent. I am seeking your assistance in resolving this matter and protecting my rights as a victim of identity theft. I have contacted all three major credit reporting agencies, including TransUnion, XXXX, and XXXX, to place fraud alerts on my credit reports and request a copy of my credit report to review for any further fraudulent accounts or activities. 3. Notified Financial Institutions : I have reached out to my bank, credit card companies, and any other relevant financial institutions to inform them of the identity theft and request that they freeze or close any accounts associated with it. 4. Contacted the Federal Trade Commission ( FTC ) : I have filed an identity theft report with the FTC and obtained an Identity Theft Affidavit. Supporting Documentation : To support my claim of identity theft, I have enclosed the following documents. Identity Theft Affidavit from the FTC Request for Assistance : I kindly request that the Consumer Financial Protection Bureau investigates this case of identity theft and assists me in resolving the matter. I seek your guidance in ensuring that all fraudulent accounts are closed, any unauthorized charges are removed, and my credit report is restored to its accurate and rightful state. I understand that the Consumer Financial Protection Bureau has the authority to intervene and take appropriate actions to protect consumers in cases of identity theft. I kindly request your utmost attention and prompt action in resolving this matter and providing me with the necessary support and guidance. Thank you for your time and consideration. I eagerly await your response and resolution of this matter. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Inquiry and close accounts and collections are not mines theses companies needs to start let others ppls use there names to put things in peoples names because of they desperate for money so I needs all of this to be removed and disputed off my report immediately Under all XXXX credit bureau from XXXX to XXXX to Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

REMOVE THERE WAS NO INVESTIGATION Dear transunion PAST DISPUTE TRACKING # XXXX # XXXX # XXXX XXXX k XXXX XXXX Ssn : XXXX XXXX. XXXX- XXXX : No notice of dispute. Delete for violation of FCRA 623 ( a ) ( XXXX ). I disputed on XXXX by XX/XX/year> there was no notice of dispute. Delete this account for false reporting & failure to update information under FCRA rights remove or delete immediately. 

SOLUTION : i want this account removed or deleted for no notice of dispute thats a violation been 3 months & theres still no notice of dispute this is failure to communicate please remove this account. i have past credit reports that shows they havent put notice of dispute 3 months ago nothing changed. Delete or remove XXXX XXXXXXXX
Product: Mortgage

Harmon Law Offices was retained to manage the foreclosure process on my property located at XXXX XXXX XXXX, XXXX ma XXXX. XXXX XXXX XXXX was the bank who retained harmon law offices. I believe they did not handle the administrative filings appropriately, the missed a significant amount of taxes, and submitted redacted documents to the land court for matters in which XXXX XXXX was already found culpable. As a result of this I have been homeless for over 2 years now and suffered grave emotional distress. Harmon law offices will not speak to me or work with me to resolve the matter. XXXX XXXX sent me the attached file.
Product: Money transfer, virtual currency, or money service

My Google Wallet account was hacked and two fraudulent transactions were made without my consent on XX/XX/XXXX and XX/XX/XXXX. These transactions transferred {$1400.00} directly from my checking account. I called Google Wallet support immediately upon seeing the transactions and explained to them that they were fraudulent and requested the charges be reversed. After many conversations and time spent on hold they informed me that the charges were not fraudulent and they would not be refunding my money. I told them if that was their final decision I would issue charge backs with my bank. 

I called my bank who informed me they could try to put a hold payment on the transactions. The end result of the bank issuing a hold on the transaction was the money being refunded into my checking account. 


After this happened, Google Wallet suspended my account, which also suspends your XXXX   Payments account. I submitted verification paperwork to reopen it which they did. unfortunately shortly after this, they must have processed the second charge being held at the bank and suspended my account again. Essentially they suspended me for the same thing twice ... At this point they refused to reinstate my account. 

The effect of this is you can no longer use most XXXX services, including XXXX XXXX, or the XXXX XXXX XXXX, since you have no way to pay them. All payments go through XXXX   Payments. 

I am now in a situation, after spending maybe 20+ hours on the phone with XXXX begging them to reinstate my XXXX Payments account, where I must find a new cell phone provider since I can not pay my XXXX XXXX  bill. I also can not use the XXXX XXXX XXXX anymore, which effectively makes using an Android phone useless. So now must change phone platforms entirely. 

All of this because they will not reinstate my suspended account so I can pay them.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Experian 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, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ) ,12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

In according with the FAIR CREDIT REPORTING ACT. 
Account number XXXX XXXX XXXX XXXX BANK has violated my rights.

15 USC 1681 SECTION 602 A. STATES I HAVE 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 15 USC 1681 i SECTION 5 CREDIT REPORT INFORMATION HAS TO BE ACCURATE JPMCB SENT TO ME A 1099C FORM, WHERE SHOWS A DEBT CAMCELATION, I DONT OWE ANY MONEY TO THEM, AND THE CREDIT REPORT IS UNACURATE WITH THIS INFORMATION.
Product: Mortgage

I feel that I was a victim of discrimination. Around XXXX/XXXX/2014, I purchased a house and was financed by First California Mortgage Company ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, Nevada XXXX ). My loan number is # XXXX. First reason why I feel I was discriminated, I feel because we are XXXX, First California Mortgage Company allowed its brokers to charge us higher fees for mortgage loans. Second reason is that I had clearly stated I was giving 15 % of down payment to avoid paying a PMI ( Private Mortgage Insurance ) when I signed the closing documents, they had put 10 % down payment. I called to tell I wanted to give 15 % down and I was convinced by the broker to leave it at 10 % telling me that my PMI would only be {$49.00} a month. I would like to ask if can start an investigation to see if other XXXX or XXXX customers were discriminated by First California Mortgage Company? This company should have recorded conversation when I called the agent to argue the amount of Down Payment. I think First California Mortgage Company only wanted to charge me the PMI of {$49.00} each month reason why they claimed they made the mistake of going with 10 % down and convinced me to leave it like that. I am sure there is more victims like me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX XXXX, and USSA  about an entry they are reporting about me that is fraudulent, and was opened as an act of identity theft. USAA allowed for both a personal loan and a credit card to be opened in my name without my permission and fraudulently. I have tried to work directly with USSA many times and tell them that neither of these accounts were opened by me and have gone into great detail explaining to both USAA and XXXX XXXX where USSA reported the debt to that this was fraud. I have provided them a police report that outlined that I was a victim of identity theft and that many fraudulent accounts were opened in my name and correct social security, every since I was a victim of identity fraud. When I have spoken to both of these companies they have both refused to assist me and told me that did not care that I stated I was a victim of identity theft/fraud they would not remove their derogatory reporting of the

se two fraudulent accounts. My identity was stolen when my wallet was taken from me in XX/XX/XXXX when I was robbed. I have had about 17 charge cards, 2 auto loans, and 3 personal loans opened in my name due to this fraud/identity theft, and none of these fraudulent accounts should I be held accountable for. USAA told me in one of the calls that I had with them that the accounts they claimed were opened in my name were included in a bankruptcy, Well I have never filed a bankruptcy EVER, and either of these parties can check my XXXX File, My XX/XX/XXXX File, and My XX/XX/XXXX File and they will see there is no record of any bankruptcy that I filed. 

Both XXXX XXXX and USSA are acting in a willful manner of inflicting emotional distress upon me by continuing to report this fraudulent information. They are defaming my character by them continuing to disseminate information that has nothing to do with me except the fact they allowed fraudulent accounts be opened in my name and they are totally unwilling to act in accordance of the FCRA and rectify this matter. I am attaching a copy of my most recent credit report that will affirm that I was a victim of identity fraud/theft and am asking for the immediate removal of this fraudulent information..
Product: Credit reporting or other personal consumer reports

Ive been trying to reach out to the proper channels regarding the inaccuracies off my credit report, but to no avail and Ive had enough. It brought tremendous frustration and sleepless nights, worrying if XXXX XXXX XXXX  just because of my XXXX XXXX being unfairly affected due to these errors on my credit report hindering me from getting my credit applications approved.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX XXXX must validate these account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting account as unverified information without providing any proof within the period allowed by law. Below is the account that need to be removed : XXXX XXXX XXXX  Balance : {$270.00}
Product: Credit card or prepaid card

Total scam/fraud I received a XXXX gift card for my birthday as soon as I activated the card and tried to use, it showed that the card was already used by someone else. Called customer service and filled out a form from for Vanilla to get a reimbursement due to a faulty charge on the Vanilla card and it's been over 120 days. I contacted customer service and waited over an hour on hold. When I finally got to talk to a customer rep they could not understand me and I barely could understand them. When I try to look up my card online or check my balance the site states a system fault and to try back later. This happens every time. My card now is on hold and I can't place any charges on it or make any transactions. DO NOT buy this card. Highly recommend that you DO NOT buy this card. Really really bad customer service. Very POOR business on their part. I have lost the {$100.00} and guess I'll never get refunded. They have outright stole the money from me... There is nothing I can do about it. 
There are so many additional complaints explaining the same thing : https : XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Payment history is not accurate na din fact it is illegal to treat a late payment as payments. 15 usc 6802. This account is not 100 % accurate. I do not want this account to show on my report being that it is not accurate and reporting accurate information. I was never late and this account is reporting 30 day late for 5 months and 60 days for 3 months. TO whom it may concern, I am letting you know that your company have been very intrusive, YOUR COMPANY IS ON MY REPORT WITHOUT ANY PERMISSION ESPECIALLY WITHOUT A CONTRACT AND WET INK SIGNATURE, BY LAW YOUR NOT SUPPOSE TO REPORT ILLEGAL AND FRAUDULENT INFORMATION. THIS ACCOUNT IS NOT VALIDATED OR VERIFIABLE. REMOVE AND AND DELETE ALL INFORMATION WITH MY NAME/SSN # /BIRTHDAY YOU DO NOT HAVE MY CONSENT TO HAVE OR USED MY INFORMATION. I AM THE ORIGINAL CREDITOR ONLY I CAN VALIDATE THIS ALLEGED DEBT. 


Your company Violated all FDCPA/FCRA, FEDERAL and STATE Laws : 15 U.S. Code 1692e - False or misleading representations, 15 U.S. Code 1692f - Unfair practices, 15 U.S. Code 1692g - Validation of debts ( a ) ( 1-5 ) ( b ). 15 U.S. Code 1692j - Furnishing certain deceptive forms.

15 U.S. Code 1692c - Communication in connection with debt collection.

18 U.S. Code 1341 - Frauds and swindles 15 U.S. Code 1692h - Multiple debts 15 U.S. Code 1692j - Furnishing certain deceptive forms Rule 1002. Requirement of the Original Cease and desist validation of debt All collection activity must stop. Stop reporting to the reporting agencies.

Stop communicating.

Stop reporting My personal information. I did not give or ask your company to report my personal information.

Stop debt activity immediately.

15 usc 1692c, I didnt give your company the direct instruction to report this account or others to the agencies.

I refuse to pay a debt that I do not owe. Respectfully DETACHED all information to delete this account from all three credit profiles immediately.