23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent items in my file that are reporting on 3 Credit Bureau. I am a victim of identity theft and did not make the charge or the accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.
Product: Credit card

On XX/XX/year> I applied for an XXXX XXXXXXXX XXXX credit card from Bank of America. The application was not automatically approved and I was notified that I would hear back from Bank of America in the coming days regarding the application and if any information was required to approve or process my application. Over two and a half weeks later I received a letter in the mail from XXXX XXXXXXXX XXXXBank of America XXXX The letter instructed me to call back to provide information to XXXX XXXXXXXX XXXXBank of America within 30 days. Upon receiving this letter, I immediately called back. On that call, I confirmed with the Bank of America representative that I had recently moved and confirmed the address from my credit report. The representative then told me that my application was approved and that I should be receiving the credit card that I applied for in the mail within several business days. 

After waiting for over two weeks and not receiving anything in the mail, I called XXXX XXXX  XXXXBank of America . On that call, I learned that the representative I had spoken to previously had lied to me and had not acted on the additional information I had provided to approve my application. In fact, nothing had been done. The agent I followed up with ( XXXX in the fraud department ) then instructed that due to the passage of time since my original application, a second hard credit pull would be required to process and approve my application. Through no fault of my own, I was being subjected to a harmful second hard credit pull because XXXX XXXXXXXX XXXXBank of America had delayed their action on my application, lied to me on the phone when I called in to provide additional information, and failed to inform me of the potentially negative financial implication of moving forward with the credit card application. This outcome is patently unfair. Despite multiple time consuming attempts to identify a resolution that did not involve a second hard pull on my credit ( e.g. a soft pull or an exception to their policy to use the initial credit pull ), XXXX  XXXX XXXXBank of America did not offer any solutions to correct their mistakes and misinformationXXXX XXXX XXXX XXXXBank of America needs to be held accountable for these issues that they have created. All I did was follow their instructions and now I am being punished for their ineptitude. 

In addition, I have experienced extremely rude and unhelpful customer service when attempting to resolve this issue with XXXX XXXXXXXX XXXXBank of America . In particular, one of the XXXX XXXXXXXX XXXXBank of America `` resolution managers, '' Shania Hart , was particularly rude and was dismissive of the implications associated with being subjected to multiple hard credit inquiries and unlike other XXXX XXXX XXXXBank of America employees that I spoke to was completely unwilling to accept accountability for the mistakes caused by the company resulting in harm to my credit score.
Product: Credit card or prepaid card

I was supposed to receive my direct deposit on my cash app car and then all of a sudden my cash app card is cut off. I tried calling cash app support and they stole {$150.00} from me and then started asking for XXXX pictures
Product: Credit reporting, credit repair services, or other personal consumer reports

This constitutes fraudulent activity and is a serious violation of my right to privacy. Not only is this a breach of my rights, but this is a defamation of my character. When you provide a negative account that you claim I own, other businesses notice it, which has an adverse effect on my credit report and quality of life.
Product: Credit reporting, credit repair services, or other personal consumer reports

Loans are not the same on all XXXX credit reports so something is inaccurate and I would like it removed
Product: Credit reporting or other personal consumer reports

Equifax is reporting my name incorrect. XXXX and XXXX have fix this problem and all three consumer reporting agencies should have the correct name. My name is not XXXX XXXX XXXX that is incorrect. I have sent them my drivers license and social security card. This needs to be fixed immediately. 

Under 15 USC 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

This is a direct violation and needs to be corrected.
Product: Credit reporting or other personal consumer reports

Subject : Dispute Regarding Fair Credit Reporting Act ( FCRA ) Compliance and Metro 2 Compliance for Account Verification by XXXX XXXX XXXX. I am submitting a complaint regarding XXXX XXXX XXXX handling of my credit report. I believe they are not complying with the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards regarding accurate credit reporting. XXXX XXXX XXXX have reported an account to the credit bureaus, XXXX and TransUnion. I am disputing this account accuracy and validity. Despite my request for verification, I am concerned that they have not followed appropriate Metro 2 reporting standards. Specifically, I am requesting a review to ensure : 1. Proper credit reporting codes, as outlined by Metro 2 compliance, have been used in verifying and reporting this account. 2. That all data fields, such as the account status, date of delinquency, payment history, and balance information, meet the standards for accuracy, fairness, and completeness as per FCRA and Metro 2 guidelines. I request that the Consumer Financial Protection Bureau ( CFPB ) investigate National Credit Adjusters compliance with these standards and take appropriate action to ensure fair credit reporting. 1. Verification that all Metro 2 compliant codes were used correctly in reporting this account. 2. Full review of the account for FCRA compliance, with any inaccurate or unverifiable information removed from my credit report. Thank you for your assistance in resolving this matter. XXXX XXXX Social security number XXXX
Product: Bank account or service

On XXXX XXXX, 2016 I found out that CITI bank illegally charged me {$280.00} from my personal savings plus acct. I had already filed a complaint against CITI bank per my previous complaint for total XXXX different issues including fraud, unsafe deposit, fail to pay promotional bonus {$900.00} and thank you points XXXX, illegally put XXXX charges each for {$64.00} to my savings plus acct which never occured any monthly fee before. Plus a {$25.00} fee due to theft and unsafe deposit happened transfer fee. 
I can not stand CITI bank illegally charged me another {$280.00}. This bank never brought me any benefits but all losses, harassment, extremely unpleasant bank experience. I am asking this bank to return my money {$280.00} immediately.
Product: Checking or savings account

In XX/XX/XXXX, I was charged multiple overdraft fees by Truist Bank which were compiled upon one another resulting in a total of {$210.00} in overdraft charges. The charges were auto-payments that came out around the same time. I had no idea I was assessing any overdraft charges, as I did not know my account had reached the 0 limit. The reason I found out was, I went into my email account on XX/XX/XXXX and realized I had an email from Truist with the subject line saying Overdraft fees. When I was informed via email regarding overdraft to my account, I went to log into my account and was unable to see any of the charges. I then called Truist and a representative came on the line. I let her know I could not see anything in my mobile app or on my desktop- an error message kept displaying ( I did not screenshot this message at the time as I did not realize I was going to be in a fight for my money ). So she began to read all of the charges to me over the telephone. I was informed that my account was negative XXXX which shocked the shoes off of me! Furthermore, she informed me that the bonus my employer had issued to me had been completely garnished to satisfy this negative balance and I still owed {$120.00}. I was blindsided by all of this news, to say the least! Within 3 days, I was charged XXXX overdraft fees of {$36.00} each. This is above and beyond excessive and I asked to have these fees removed. I was informed that I had one overdraft fee removed in XX/XX/XXXX, so I was ineligible to have any overdraft fees removed and Truist will be keeping all {$210.00} in fees. I then went into a Truist location on the same day ( XX/XX/XXXX ) and the tellers agreed with me wholeheartedly regarding how excessive the fees were. There was a teller and a supervisor who both helped me and filed a formal complaint for me with Truist. They said it really isn't right how much I was overcharged and they could tell by looking at my account how the fees were piled on each other. I also showed them my phone so they could see how I was unable to get any information from the app, so I never could figure out what I owed, from where nor how much. Once the formal complaint was filed, I was also counseled on what next steps I should take while awaiting the result of my formal complaint, which basically was to wait and see what they would say. The tellers wished me luck. 

I was then contacted again on XX/XX/XXXX at XXXX by a representative from Truist Bank stating that my complaint had been denied and I would not be receiving any of my overdraft fees back. This has brought me to the CFPB on recommendation from a teller, because she agreed that the amount of fees I was charged is quite egregious and encouraged me to do all I can do to retrieve my bonus. 

Dates : XXXX  OVERDRAFT FEE - {$36.00} XXXX  OVERDRAFT FEE - {$36.00} XX/XX/XXXX OVERDRAFT FEE - {$36.00} XX/XX/XXXX OVERDRAFT FEE - {$36.00} XX/XX/XXXX OVERDRAFT FEE - {$36.00} XX/XX/XXXX OVERDRAFT FEE - {$36.00}
Product: Checking or savings account

My bank card as well as my unlocked phone were both stolen. I noticed my card stolen on XX/XX/XXXX when I got a notification from my bank that my account was below XXXX. I called my bank to submit a claim because i did not make any payment transactions, i also wasnt notified that {$10000.00} was being put into my account. My account is now negative {$10000.00} it shows someone used my bank card at an ATM in XXXX, i do not live in XXXX, i never use my card at ATMs and I never put {$10000.00} in my account let alone have access to {$10000.00}. My bank never emailed me nor called me to authorize these purchases and when asked why wasnt i notified to authorize the charges they said thats a good question and denied my claim saying no fraud was detected. Im trying to figure out how no fraud was detected when I the holder of the account had their card and cellphone stolen at the time of the purchases.
Product: Debt collection

I been repairing my credit and saw an open collections from Southwest Credit Systems for {$370.00}. Went to XXXX and saw that this creditor isnt regulated in the state of XXXX. Cease-and-desist immediately this should be removed immediately.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Subject : Dispute of Collection Account Request for Removal Due to Lack of Debt Validation To Whom It May Concern, I am writing to dispute the accuracy of a collection account listed on my credit report under the account # XXXX. I previously requested debt validation from the collection agency handling this account, but they failed to provide the required validation. 
According to the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ), a collection agency must provide verification of the debt upon request. Since the collection agency has not provided this validation, the collection account should not be reported on my credit file. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I am requesting that you reinvestigate this matter. The continued reporting of this collection account without proper validation is inaccurate and violates the FDCPA. 
Please remove this collection account from my credit report and provide written confirmation of this action. If the collection agency can not validate the debt, the account must be deleted from my credit file as required by law. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX
Product: Credit reporting

There are numerous inquiries from lending institutions for an auto loan which I never authorized reporting on my Equifax credit report. I have disputed these inquiries with the credit bureau along with the creditor with no recourse. These inquiries are negatively affecting my credit and I have expressed my dissatisfaction with the method that my disputes have been handled with the Equifax credit bureau and lenders.
Product: Credit reporting or other personal consumer reports

I have made multiple attempts with the Fraudulent Company as well as EXPERIAN to REMOVE INACCURATE INFORMATION from my Consumer Report! As of this Complaint, I am awaiting an Answer to the 3rd Request from EXPERIAN. EXPERIAN IS Bound by the Law to MAINTAIN PRIVACY AND ACCURACY. Specifically OFFICE ATTY GENERAL XXXX EXPERIAN REPORTS LAST ACTIVE DATE AS XX/XX/XXXX LAST PAYMENT AS XX/XX/XXXX XXXX XXXX LAST ACTIVE DATE AS XX/XX/XXXX LAST PAYMENT XX/XX/XXXX EXPERIAN STILL HAS NOT DELETED THIS FRAUDULENT ACCOUNT AND ARE GUILTY OF THE FOLLOWING : 15 USC 1681a 2 ( A ) ( i ) by reporting transactions and or experiences on My Consumer Report which CONGRESS states is NOT INCLUDED on ANY CONSUMER REPORTS. XXXX, AND XXXX HAVE HONORED AND REMOVED THE ENTRY FROM MY CONSUMER REPORT. Further, Here is PROOF FROM THE SECRETARY OF THE STATE OF TEXAS. THERE IS NO LIEN OR LOAN IN MY NAME THAT I OWE ANYONE!!!! THIS PROVES THAT OFFICE ATTY GENERAL XXXX IS REPORTING FRAUDULENT, INACCCURATE INFORMATION!!!! I HAVE DISPUTED THIS FACT MANY TIMES AS EVIDENCED BY THE INCONSISTENT NOTES THERE IN ON THE ACCOUNT. EXPERIAN REFUSES TO REMOVE THIS ACCOUNT. THERE FORE THEY ARE GUILTY OF A COUP WITH THE OFFICE ATTY GENERAL XXXX. I WANT THIS ACCOUNT REMOVED IMMEDIATELY. I WANT {$5000.00} IN DAMAGES FROM EXPERIAN FOR WILLFUL NON COMPLIANCE.
Product: Credit reporting or other personal consumer reports

I AM A NATURAL PERSON AND CONSUMER FILING THIS COMPLAINT. DO NOT CLOSE THIS COMPLAINT STATING THAT THIS ISN'T ME! PLEASE SEE ATTACHED.
Product: Credit reporting or other personal consumer reports

I have carefully reviewed my credit report in the 3 major credit bureaus. I have been turned down for a credit due to misreporting information, I have found inaccuracies that should be immediately investigated. I have knowledge of the Fair Credit Reporting Act and understand that this company has a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. Please correct this account : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX PULLED MY CREDIT ON XXXX WITHOUT VALIDATION NOR NOTICE.IN XX/XX/XXXX WENT ON ALL CREDIT REPORTS. KEPT CALLING MY DADS CELL XXXX AND CELL XXXX 12 TIMES AFTER CEASE AND DESIST NOTICES.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXX, Equifax, XXXX and various furnishers, including XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, and other creditors that have failed to correct inaccurate, outdated, and misleading information on my credit report. 

Despite filing multiple disputes and providing clear documentation to correct these inaccuracies, the credit bureaus have failed to investigate properly and continue reporting false information in violation of the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 et seq. ] and the Fair Debt Collection Practices Act ( FDCPA ) [ 15 U.S.C. 1692 et seq. ].

1. Failure to Conduct a Proper Investigation FCRA 611 ( 15 U.S.C. 1681i ) The credit bureaus failed to correct inaccurate information and did not provide a reasonable investigation as required by the FCRA. 
XXXX and Equifax verified inaccurate data without conducting a legitimate reinvestigation. 
XXXX. XXXX XXXX XXXX FCRA 623 ( 15 U.S.C. 1681s-2 ) Furnishers ( such as XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX to report incorrect loan amounts, closed accounts still showing balances, and past delinquencies that do not belong to me. 
Creditors must report accurate data, yet they failed to do so.

3. Failing to Remove Outdated Negative Information FCRA 605 ( 15 U.S.C. 1681c ) Some of the collection accounts and charge-offs have exceeded the 7-year reporting limit but remain on my report.

4. Violating Debt Collection Laws FDCPA 807 ( 15 U.S.C. 1692e ) Debt collectors are misrepresenting debt amounts and reporting erroneous past-due balances on closed accounts.

5. Negligence and Willful Noncompliance FCRA 616, 617 ( 15 U.S.C. 1681n, 1681o ) The credit bureaus and furnishers have engaged in willful and negligent noncompliance, causing substantial damage to my creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX IS IN VIOLATION OF THE FAIR CREDIT REPORTING ACT FOR UNLAWFULLY OBTAINING MT EXPERIAN AND XXXX  CONSUMER REPORTS ON BOTHXX/XX/2020 AND XX/XX/2020 WITHOUT MY AUTORIXATION OR A PERMISSIBLE PURPOSE UNDER THE FCRA. I HAVE MAILED THE FOLLOW LETTER ATTACHED TO YOUR OFFICES VIA USPS CERTIFIED MAIL TRACKING NUMBER XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of the following unauthorized accounts and inquiries from my credit report. I have been a victim of a data breach, which resulted in fraudulent activities linked to my personal information. Under the provisions of 15 USC 1681c- 2 ( a ) and FCRA 605 ( b ), I request that you block and delete the accounts and inquiries detailed below. 
Fraudulent Accounts to Block and Delete : XXXX XXXX  XXXX XXXX Account No. : XXXX Opened : XX/XX/XXXX Amount : {$14000.00} XXXX. XXXXXXXX XXXX XXXX XXXXXXXX Account No. : XXXX Opened : XX/XX/XXXX Amount : {$11000.00} XXXXXXXX XXXX XXXX  XXXX Account No. : XXXX Opened : XX/XX/XXXX Amount : {$500.00} Fraudulent Inquiries to Block and Delete : XXXX. XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXXXXXX 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

Negative items on my credit report doesn't belong to me.. someone stole my identity in the XXXX  XXXX breach therefore these accounts were open without me knowing these are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete and remove the XXXX XXXX account from my credit report listing as a hard inquiry. I have had no contact with this company and I have not applied for credit on their stated XX/XX/XXXX or XX/XX/XXXX. It is well past Maryland statute of limitations 3 or 7 years! I am still being harassed by this company when there was a charge off as of XX/XX/XXXX. I have successfully had this information removed from XXXX report and my XXXX report. Thank you very much for your help. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the 611 - 15 U.S.C. 1681i 59 disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( c ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. ( C ) Limitations on extension of period to reinvestigate. Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ( B ) Provision of other information. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). 
I HAVE DISPUTED THIS ACCOUNT ON MULTIPLE OCCASIONS. THE MOST RECENT BEING XX/XX/2023. CONSUMER XXXX XXXX XXXXXXXX IS NOT MINE. PLEASE SEND A COPY OF MY WET SIGNATURE AND MY ID VERIFYING THAT MY IDENTITY WAS USED WITHOUT MY PERMISSION