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

I already reached out to the credit bureaus and to JPMCB - CARD SERVICES and notify them of their error posting for this account. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. No proof that this account belonged to me was given. No documentation was ever sent/received. The purpose of a time frame was to assure customers that disputes are taken so seriously that results must be completed within a reasonable time. They have failed to provide documentation and proof.
Product: Checking or savings account

Simple Bank ( run by BBVA compass ) refused to provide provisional credit after 10 business days as required for fraud disputes under regulation E. It took them 9 business days after I filed the dispute and called multiple times to even contact visa.
Product: Credit card or prepaid card

Arvest Bank is literally aiding and abetting theft of services, larceny by trick, and other torts/crimes by their account holder in their credit card charge back number XXXX. We have literally supplied signed law firm retainer agreement, itemized billing invoices, emails back and forth, legal work product, and other evidence of the authorized credit card charge by this thieving client who still owes us money under a quantum meruit theory, but this XXXX bank still holds on to a {$300.00} consultation fee now going on 6 months. This is both unreasonable, unethical, as well as illegal. Please legally and equitably punish this bank for tormenting us in this manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXXXXXX XXXX {$0.00} XXXX XXXXXXXXBalance {$290.00}
Product: Credit reporting or other personal consumer reports

I want reported accounts removed Us department is edu has been removed from my TransUnion but not XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit card or prepaid card

I APPLIED FOR THISE CREDIT CARD AND RECIEVED A MILESTONE GOLD MASTER CARD WITH A {$300.00}. DOLLAR CREDIT LIMIT. AS SOON AS I RECIEVED IT I PAID THEIR {$75.00}. DOLLAR FEE WHICH WAS QUICKLY COLLECTED AND APPLIED TO MY ACCOUNT. I THEN WENT ON TO USE THE CARD, THEN ON THE THIRD OF XXXX I MADE A {$200.00}. PAYMENT IN ADVANCE OF THE REPORTING DATE FOR THE CARD. I RECIEVED A COFORMATION E-MAIL # XXXX THAT IS DATED ON THE XXXX OF XXXX AT XXXX XXXX PACIFIC TIME, AND STATES THAT IF THE PAYMENT IS MADE BEFORE XXXX XXXX  PACIFIC IT WOULD BE CREDITED TO MY ACCOUNT ON THE SAME DAY. THEY PURPOSELY HELD ON TO MY PAYMENT WITHOUT REPORTING THE PAYMENT UNTIL AFTER THE XXXX OF XXXX, I WAS CALLING THEM TO SEE WHY, AND I COUDNT GET AND ANSWER FROM THE XXXX TILL THE XXXX I WOULD CALL TO SEE WHY THEY WERE NOT CREDITING MY ACCOUNT, NOW I SEE WHY.THEY ALSO GO MY THE NAME OF THE XXXX XXXX XXXX, AND XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have found fraudulent hard inquiry and request to be removed from my credit report XXXX XX/XX/2025 | XXXX XX/XX/2025.
Product: Credit reporting or other personal consumer reports

! wout the credit bureau to remove the late payment from my credit report because they violated the law. anything other than a bank statement belonging to the data furnisher is hearsay 15 usc 1681a 2 a i. Late payment are illegal according to 15 usc 1681a 2 ) 1 under exclusions 15 us code 1666b timing of payments 15 usc1681a ( 2 ) a 2 a i transactions and experiences are excluded from a consumer credit file
Product: Mortgage

There is a motion on XXXX/XXXX/XX/XX/XXXX @ XXXX XXXX county courthouse to reschedule foreclosure sale date based on 100 % illegal, fraudulent foreclosure. XXXX XXXX XXXX has sold, transfer or assigned this mortgage to Caliber Home Loans in XX/XX/XXXX. 
1. Got out of non-jury trial XXXX XXXX, XX/XX/XXXX which I knew before walking into Judge chambers I was going to lose. To get an idea of what typically occurs @ these non-jury trials just imagine a handcuffed monkey trying to beat a Lion in a caged fight. 
2. Five Year Statute of Limitations ( SOL ) Expired XXXX XX/XX/XXXX 
3. One Hundred Per Cent ( 100 % ) Foreclosure Fraud : Forged and Notarized Original Mortgage signatures, Plaintiff lacks legal standing ( mortgage sold off originally by XXXX XXXX Bank to a trust ), robo signing. Their was the biggest lying straight face robo testifier from XXXX XXXX XXXX I have ever witnessed, it is sad and unacceptable how all their lies, fabrication were allowed into evidence while our strongest evidence by defendants Forensic Expert/Witness testifying original note is 100 % forgery denied her testifying at trial, XXXX due process. 
XXXX law firm does all plaintiffs dirty work. 
4. Force placed homeowner insurance obtained at illegal price gouging rates XXXX, XXXX times normal amount.
Product: Credit reporting or other personal consumer reports

I am sending to address the adverse marks on my credit file that have been attributed to me. While I would willingly acknowledge and assume responsibility for any valid debts, I am unable to do so in this case without Proper Validation and Proof Of Claim. As per the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting comprehensive validation of the alleged debt. 

I seek evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : Complete payment history, as per the precedent set by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Provide a detailed verification by line item, including information on the purchase date, itemized amounts, receipt of goods, and any relevant details directly from the Original Creditor.

Date of Last Activity.

Full, accurate social security number that may help to identify me as the correct person you are trying to collect from. 
Agreement that bears the signature of the alleged debtor, indicating the commitment to pay the original creditor. 
The obligation between your company XXXX XXXX XXXX, I C SYSTEM, XXXX XXXX XXXX and me that authorizes the collection of the alleged debt, along with any transactions binding me to an agreement to pay your company. 

Proof of photo identification ( i.e., driver 's license, state identification card, or other government issued identification card ) presented at the time of incurring the debt. 
Letter of sale or assignment from the original creditor to your company, including any agreement with your client granting the authority to collect on this alleged debt. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - information relating to the purchase of a bad debt is not proprietary or burdensome. 
Any other pertinent information regarding the creation of the debt by your collection agency like ( 1. Where the debt originated from, 2. ) The sum paid by the bad debt buyer for the plaintiff 's debt, 3. ) How the total amount was determined, and 4 ) A list of documents that authorize the collection of debts. )
Product: Money transfer, virtual currency, or money service

For a few days now they have had the incorrect balance in my leddger saying it was negative and it was not. Infact i had about XXXX XXXX  in there and then they froze my accoint and ita still frozen ans i can not use the little money i do have in it and it wont allow me to add another card to resolve the issue.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had One late payments on an account that i was, never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX/. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Product: Credit reporting or other personal consumer reports

I have been trying to remove an XXXX XXXX XXXX account from my credit report. The account was closed in 2014, yet it shows incorrect information, and everyone I try to talk to about fixing this just blames someone else and then nothing gets fixed. I do not understand how to go about removing this from my credit report, yet everyone agrees the information is incorrect. No one can even find me in their system.
Product: Credit reporting or other personal consumer reports

Subject : Deletion of Unauthorized Credit Inquiry 700CR/XXXX  XXXX I am writing to formally request the removal of an unauthorized credit inquiry made by your institution on XXXX. After reviewing my credit report, I noticed an inquiry listed under my name without my consent or knowledge. 

The inquiry was made on XXXX and was not associated with any credit application or agreement initiated by me. As a result, I did not receive any benefit or services from your institution corresponding to this inquiry. 

I kindly request that you investigate this matter and remove the unauthorized inquiry from my credit report as soon as possible. I understand that these inquiries can impact my credit score, and given that I did not engage in any transaction or seek credit from your company, I urge you to rectify this error promptly. I also demand retraction of any applications or securities in your possession. 

Please provide confirmation once the unauthorized inquiry has been deleted from my credit report. I appreciate your prompt attention to this matter and your assistance in resolving this issue.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for allowing multiple unauthorized inquiries to appear on my credit report. After contacting both Experian and the creditors responsible for these inquiries, none could provide proof that I authorized them. Specifically, I did not give any written or verbal consent for these inquiries, and no legitimate purpose has been confirmed. The unauthorized inquiries in question are : XXXX. XXXX XXXX, Date : XX/XX/year> XXXX. XXXX XXXX, Date : XX/XX/year> XXXX. XXXX XXXX XXXX, Date : XX/XX/year> These inquiries have had a negative impact on my credit history and have limited my ability to obtain credit. Since I did not authorize these inquiries, there is a concern regarding potential misuse or misrepresentation of my personal information. Under the Fair Credit Reporting Act ( FCRA ), only inquiries with an explicit, permissible purpose should appear on a consumer 's credit report. Failure to verify proper authorization may indicate non-compliance with these regulations.I request the CFPBs assistance in ensuring that Experian promptly removes these unauthorized inquiries from my credit report. Additionally, I ask that the CFPB investigate these circumstances to prevent any potential misuse of consumer information that could lead to unauthorized or misrepresented credit inquiries in the future. Regards XXXX XXXX
Product: Checking or savings account

I am the victim of a XXXX scam please assist me in any way that you can. 

On XX/XX/XXXX around XXXX PM I received a text message from Wells Fargo asking if I had attempted to send money to A recipient using XXXX. The text message asked me to reply yes or no, so I replied no. Less than XXXX seconds after my reply, I received a phone call from Wells Fargo customer service. I picked up the phone and the XXXX explained to me that somebody named XXXX XXXX was attempting to transfer {$3000.00} out of my bank account using XXXX. The XXXX explained to me that in order to reverse the transaction I needed to transfer the funds back into my account using the XXXX platform. The agent walked me through the steps on how to reverse the transaction. The agent told me to log into my bank account, access XXXX, type in my phone number as the XXXX recipient and transfer {$3000.00} back into my bank account. I completed the request of the XXXX and I was relieved that Wells fargo had protected my account from thieves. I was told that the transaction would take XXXX hours to see any changes in my account. 

Once the transaction was finished, I requested for the XXXX to send me a confirmation email of our interaction which he agreed to do so. XXXX minutes had gone by and I did not receive an email so I decided to call Wells Fargo to figure out why I hadnt received the confirmation email yet. 

Wells Fargo then explained to me that they never called me, and I was not speaking to a Wells Fargo customer service XXXXt. They had just notified me that I had been a victim of a scam. 

During the phone call with Wells Fargo, I filed a claim and waited almost XXXX weeks. On XX/XX/XXXX around XXXX AM I called Wells Fargo to follow up on my claim. At that time, Wells Fargo had notified me that I would not be receiving a refund even though this was a scam. They said they were unable to locate the funds therefore, they were not able to refund my money. They suggested that I file a police report which I did. I called Wells Fargo back after filing a police report. They further explained to me that I would not be receiving any funds back even though I filed a police report as they suggested. 

I would like to file a complaint against Wells Fargo bank. I was scammed and it feels like no one wants to help me recover my funds back. To lose {$3000.00} to a scam is disheartening. I had confidence that my bank would reimburse me the money that I lost, but they treated me as though this situation was all my fault. I have been a customer of Wells Fargo 10 or 15 years so I was expecting for them to handle this situation differently.
Product: Checking or savings account

On XX/XX/XXXX I received a XXXX form from Chase which had to be returned by XX/XX/XXXX. I filled it out at took it to the branch on XX/XX/XXXX. I noticed that after that I was still being charged federal taxes on the interest earned on the savings account. After multiple attempts to contact Chase via their secure message platform, I got the run around and the bank refused to explain why they started withholding federal taxes. I have banked with them for years so my information has NOT changed. I reiterated multiple times that I AM NOT subject to withholding, which they completely ignored. 

On XX/XX/XXXX I was paid a sign up bonus of {$200.00} on my savings account and {$400.00} on my checking account. I transferred the {$200.00} to the checking account and withdrew a total of {$600.00} via ATM. I then requested the closure of both accounts on that same day and received a response that the accounts were marked to be closed. 

This morning XX/XX/XXXX I noticed that the accounts were not closed and Chase decided to overdraft my account by withholding taxes AGAIN. The savings account looks like I never transferred money to the checking and now has a {$150.00} balance. The checking account is now overdrawn by {$96.00}. 

On XX/XX/XXXX I went into the branch to try to remediate the issue. I was told by the banker named XXXX that she did not understand why backup withholding was taken from the bonus. Her system showed her that I was correctly listed as a US citizen and that the XXXX was on file as well, which meant no backup withholding should have been taken out of my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion has had XXXX/ XXXX  reporting twice on my report, I only have 1 an this is same account one has to be removed, XXXX XXXX
Product: Debt collection

To Whom it May Concern, This Letter is a formal complaint that you are reporting inaccurate and incomplete credit information, I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that the bureaus report only XXXX  % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a credit profile to all creditors who have received a copy within the last six months, or the last two years of employment purposes.

Additionally, please provide the name, address, and telephone number of each grantor or other subscriber. Under Federal Law, you have 30 days to complete your re-investigation. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the inaccurate reporting of a charge-off on my credit report by Bank Of America Corporation . The charge-off in question is inaccurately reported and should be deleted. My complaint is supported by relevant case law that highlights the inequitable nature of the continued reporting of this charge-off. 

Details of the Charge-Off : Creditor Name : Bank Of America Corporation Account Number : XXXX Amount : {$36000.00} Legal Basis for Complaint : XXXX XXXX  vs. XXXX, XXXX XXXX XXXX XXXX ( a ) : In this case, the court held that it is inequitable to allow a creditor to belatedly enforce an alleged debt after it received a tax benefit from the charge-off. The creditor 's continued reporting of this charge-off, after receiving a tax benefit, is similarly inequitable in my situation. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : The issuance of Form 1099-C after the debt was written off is considered " prima facie evidence '' that the debt has been discharged by the creditor. This creates an issue of fact that should prevent the continued reporting of the charge-off on my credit report. 
XXXX XXXX XXXX XXXX vs. XXXX, 2001 : The court ruled that it would be inequitable to require the defendant to report the discharge of a debt as income on his federal tax return while allowing the plaintiff to continue holding him liable for the debt. Similarly, it is inequitable for Bank Of America Corporation to continue reporting this debt as a charge-off on my credit report. 

Previous Complaint : I previously submitted a complaint to the CFPB with complaint ID : XXXX. The company agreed to a resolution but has since failed to contact me or provide any resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

INFORMATION ON MY BANK : XXXX  XXXX XXXX XXXX XXXX XXXX Florida XXXX Via XXXX : XXXX Re : XXXX XXXX XXXX XXXX XXXX Account XXXX for XXXX XXXX Credit Report Time Period Ending : XX/XX/2017 Reason for Correction : Missed payment was due to a XXXX XXXX XXXXXXXX Auto-pay glitch that I had no control over. This one missed 30-day payment history is destroying my credit rating. 

PEOPLE I HAVE CONTACTED : XXXX  XXXX XXXX chat representative via XXXX, called the XXXX number given to me for auto loans and they told me to write a letter to the address stated above. Filed numerous disputes with credit agencies, and filed a complaint with the XXXX XXXX XXXX XXXX XXXX XXXX who directed me to CFPB. 

BANKS LACK OF RESPONSE : The bank has not responded to me. All of the complaints I have filed with the credit agencies never change my account and there isnt a reason. I got to pick from a multiple-choice list and that serves as my statement on the credit report. The closest description I found was delinquency due to disputed billing procedures. 

I want this mark removed from my credit report. I have a big event coming soon that I will need to apply for credit for and this one little 30-day missed payment, a payment that was missed due to the bank 's autopsy glitch, is destroying my credit rating. If they won't remove it, I want an explanation as to why. I'm not asking for a good-faith removal, something that XXXX XXXX  XXXX does NOT do, I'm asking because it shouldn't be there to begin with, this is XXXX XXXX  XXXX XXXX mistake, not mine. It's hard to believe what one small missed payment can do to one 's credit rating. I want it fixed. I have been trying for years to get this fixed and now it needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an inquiry from XXXX made on XXXX 2022 on my file. I have never applied for a card from XXXX XXXX or XXXX. I want this fraudulent activity removed.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : EXPERIAN XXXX XXXX Account # : XXXX Balance : {$5200.00} Date Opened : XX/XX/XXXX Account Status : Closed XXXX XXXX XXXX XXXX  Account # : XXXX Balance : {$520.00} Date Opened : XX/XX/XXXX Account Status : Closed XXXX XXXX Account # : XXXX Balance : {$40000.00} Date Opened : XX/XX/XXXX Account Status : Closed XXXXXXXX XXXX XXXXXXXX Account # : XXXX Balance : {$110.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Account # : XXXX Balance : {$640.00} Date Opened : XX/XX/XXXX Account Status : Closed XXXX XXXX Account # : XXXX Balance : {$970.00} Date Opened : XX/XX/XXXX Account Status : Closed XXXX XXXX Account # : XXXX Balance : {$30000.00} Date Opened : XX/XX/XXXX Account Status : Closed UNAUTHORIZED INQUIRIES Creditor Name Date of Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX