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

Around XXXX XXXX, 2013, I checked my accounts with Bank of America like I have done every morning. I had a joint checking acct with my son who was in college in XXXX at the time. The normal acct balance has always been low, since I was only able to afford to send him low amounts of money at a time. This morning when I checked the account, the balance was - {$880000.00}. I was shocked. I checked the transactions and they claimed that {$1500.00} was deposited early that morning, but they were a bunch of deductions taken. There was also a purchase of items over {$600.00} at a Rite Aid. All this happened in New York between the hours of XXXX - XXXX. I live in XXXX  and my son attends school in XXXX. I called BOA immediately to report there was some fraud going on. They took my information and I asked them to check the ATM to see who the person was that made the deposit and withdrawals. They deposited fake Money order and took out real money. I do n't know how they were able to do this. I had n't even has so much as a bounced check with them. I found that it was fraud through my son. They first cleaned out my checking and savings accounts and left me {$20.00}. I called and asked why did they take my money when I was the one who called and reported it. They told me " well as least we left you {$20.00} for gas. '' I was shocked they did that so fast without even investigating. Well, shortly after I completed all the necessary paperwork, they quickly send me a letter saying they did not believe that we did n't have anything to do with this. I thought the fraud department was suppose to investigate this. They place this on my record with XXXX XXXX even though I had absolutely nothing to do with this. I am unable to open an account now, and I am being treated like I committed a crime. I am currently looking for my documents. To show my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I downloaded XXXX XXXX yesterday for the first time and I noticed I had several accounts that didn't belong to me. So I decided to pull my report and noticed several accounts that are not mine.
Product: Prepaid card

I was given a {$100.00} prepaid gift card to a local restaurant. Made two purchases for partial amounts. Receipts do not show Remaining Balance. Merchant tried in their Register/Gift Card system but could not check balances. The two purchases totaled well under {$100.00} but cash was required to complete purchase # 2. At both purchases, the merchant restaurant could not provide any balance details in this prepaid card facility. 

Prepaid gift cards from the restaurant are supplied by CloverXXXX XXXX XXXXXXXX. 
Multiple attempts were made to check balances online as well as by telephone. Clover does not provide ANY facility to support the consumer. Phone calls to Clover are only answered if a merchant is the caller. 
I managed to XXXX through " walls '' in the Clover telephone system to speak to a merchant rep. A lengthy call ensued but the only answer was that Clover would not provide any information to a consumer nor have a consumer line or consumer website.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to file a complaint against XXXX, XXXX and Experian regarding XXXX XXXX. I have disputed this account several times as well as asked them to provide proof that this account was mine. On my credit report it states under the comments, " Debt included in or XXXX through Bankruptcy XXXX XXXX. '' I would like for XXXX, XXXX and Experian to provide me with proof that they received evidence of this account. I have sent letters to XXXX as well as disputed with the credit reporting agencies. XXXX never responded to my complaints and the credit reporting agencies claimed they were verified but never provided me with proof. The high amount it states is {$2500.00}. It currently states a zero balance but I want proof of the account or I want it removed from my report.
Product: Checking or savings account

My Chime banking account has been hacked. They have refused to refund the money that was spent in some XXXX shop. I live in Ohio. I've proven to them all of this and still haven't got my {$380.00} dollars back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope this message finds you well. I am writing to seek your assistance regarding an issue with my credit report, specifically related to my XXXX account. 

Despite being charged off, my account is reported as 'charged off ' on a monthly basis. This ongoing reporting is causing it to appear as though new negative events are happening every month, which is misleading and inaccurate. 

As per the Fair Credit Reporting Act, a charged-off account should only be reported as such once, not continuously every month. This consistent reporting not only contravenes this guideline but also unduly impacts my credit score. 

Due to these persistent inaccuracies and the adverse effect they're having on my credit standing, I kindly request your intervention to rectify this situation. I am seeking the removal of this account from my credit report, given its incorrect and misleading monthly charge-off reporting. 

Thank you for your prompt attention to this matter. 

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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2000.00}, {$1200.00}, {$800.00}, {$1000.00}, {$1100.00}, {$450.00}, {$0.00}.

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 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 ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 


-- CLOSED ACCOUNTS 3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$800.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

5. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$450.00} -This is not my account. 


-- AUTO ACCOUNT 7. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XX/XX/20 I was given a XXXX XXXX Notice to Vacate my apartment by my landlord. Complying with this request I was not allowed a final walk through of my apartment. The management of the XXXX at XXXX XXXX located in XXXX Florida, made a decision to falsify a final bill of {$1700.00}. This bill charge me for water for 15 days at a crazy amount of {$170.00}, however my normal bill for water, sewer, and trash was {$45.00} per month, apartment damages {$330.00} and insurance {$50.00} NSF fee {$50.00} just to give you an example of their erroneous charges. This is in retaliation for filing a complaint with the XXXX XXXXXXXX XXXX XXXX XXXX. The XXXX XXXX XXXX XXXX XXXX came back with finding in my favor of Racial Discrimination. Which discredited some of these charges. In an act of further retaliation they have had a collection agency place this derogatory information on my credit and screening report so that I can not rent another apartment, I hired a credit repair group, who had this item removed from my credit report only to have it immediately put back on my credit report. Due to these behaviors H.U.D. has started a new case on my behalf for further harassment. I will go into detail further once I am contacted.
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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 15 U.S.C.1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information and other adverse item of information, other than records of conviction 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 consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I recently checked my credit report and discovered that Credence has placed an item on my report that I was not previously aware of. At no point did I receive a written notice from Credence informing me of this alleged debt, as required under the Fair Debt Collection Practices Act ( FDCPA ) 1692g ( a ). This notice is critical because it would have outlined my rights to dispute the debt and request validation within 30 days of their initial contact. 

Additionally, the lack of notice has denied me the opportunity to properly address or dispute the debt before it was reported to the credit bureaus, which is a violation of my consumer rights under both the FDCPA and the Fair Credit Reporting Act ( FCRA ). Credence 's failure to notify me and provide me with the opportunity to dispute the debt prior to reporting it has caused unnecessary harm to my credit and financial well-being. 

I am requesting that Credence : Immediately provide full validation of the alleged debt, including any agreements or documentation tying me to the debt. 
Remove the entry from my credit report until proper validation is completed. 
Ensure full compliance with federal laws, including providing written notice and an opportunity to dispute any alleged debt in the future. 
This failure to notify me and respect my rights under federal laws has caused undue stress and harm, and I request the CFPB 's assistance in addressing and resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get my credit reports so that I can keep all information up to date, and have already reached out to all 3 major companies and have called and just get the runaround from all 3 credit reporting agencies. I have called multiple times during the last 14 days and no one can give me any information on how I can dispute the information on my profile. 
I have received notifications telling me that my SSN and name have been taken and have tried to get things challenged and have been told I ca n't do that by a woman named XXXX from XXXX. XXXX from XXXX has told me the same thing and XXXX XXXX from XXXX said even if I sent them information to identify myself they would do nothing but keep my information for their own enjoyment.
Product: Credit reporting or other personal consumer reports

Experience has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFBP ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnish Wes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Debt collection

The account in question was at an old address that I hadn't resided at for over a year. The final payment was remitted on XX/XX/2024, in the amount of {$97.00}, and then subsequently closed. The payment was returned due to XXXX own clerical error. They have then chosen to send the final payment in a higher amount than owed, misrepresenting debt owed, to debt collection. I have not received a single written request for this payment, nor is it the correct amount. I refuse to pay them arbitrary extra funds just because they made a mistake on collecting the appropriate money. It is NOT my concern that they have poorly managed technical systems and payments were mishandled.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2022 Dear Experian, I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


1. Account Name : XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation XXXX. Account Name : XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 3. Account Name : DPT EDXXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 4. Account Name : XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX. Account Name : XXXX XXXX Account Number : XXXX XXXX5 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 6. Account Name : DPT EDXXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX. Account Name : DPT EDXXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 8. Account Name : State Employees XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 9. Account Name : XXXX XXXX  Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting an account ( Auto Loan ) to the credit bureaus ( Equifax, XXXX and XXXX ) in which is a fraudulent account. The reported balance is XXXX. This account should be removed from my credit report. 

XXXX XXXX XXXX XXXX is reporting an Auto Loan in the amount of XXXX ( Equifax, XXXX and XXXX ) in which is a fraudulent account. This account should be removed from my credit report.. 

XXXX XXXX XXXX is reporting a collection in the amount of {$600.00}. ( Equifax, XXXX and XXXX ) in which is a fraudulent account. This account should be removed from my credit report. 

XXXX XXXX XXXX is reporting a collection account the amount of {$1200.00} ( Equifax, XXXX and XXXX ) in which is a fraudulent account. This account should be removed from my credit report.. 

Credit was fraudulently applied for and The following hard inquiries are on my XXXX Credit Report. XXXX ) XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

My XXXX student loan account was included in my chapter XXXX bankruptcy ( case # XXXX ) that was filed on XX/XX/2020 and subsequently discharged on XX/XX/2020. Per my attached petition, you will find that the loan listed as part of my Schedule E/F ( item 4.10 ) on page 22. 
After filing, XXXX was notified of the inclusion of the debt and they were given time to object to it's inclusion, but they never did. I have asked them repeatedly to provide proof that they objected it's inclusion with the court and they have failed to provide it to me. Their simple response is " you still owe the debt ''. Since that time, they have not only reported it inaccurately on my credit reports, but they have also assessed over {$1500.00} in interest or fees to my outstanding balance.
Product: Vehicle loan or lease

I want a pro rated refund from credit acceptance for my XXXX XXXX XXXXXXXX XXXX. The contract states that I can be let out and given a refund but they are only given me one option when I call in to make the change. I've been trying to get outta of this loan for months and I keep reading the fine print and they won't give me my money back.
Product: Credit reporting or other personal consumer reports

I checked my new report on Equifax to be sure the XXXX XXXX had been removed as it was said to be deleted on XX/XX/2024 by Equifax. However, When I checked the report today, I see that the account was still on there. I called Equifax to ask about this and they told me it was a technical issue and they would take care of this. Then after a few minutes on the phone, they tell me that they would have to investigate all over again. I told them that is not fair to me and that I had already waited a long time for the deletion and they need to simply remove it as I have proof showing they already completed the investigation. They refused to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have XXXX days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within XXXX days of receipt of this certified letter will result in a small claims action against your company. I will be seeking XXXX} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 



P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 


Thank you for your time and help in this matter.