23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I initiated a dispute of highly inaccurate information on my credit report on XXXX XXXX, 2015. Since then I have sent over XXXX letters to the credit bureaus to have them do their role and investigate and remove these inaccurate accounts. Nothing has been done and they claim that they verified the following accounts. I know this is a lie, because I am the alleged debtor and the debtor has n't even verified with me that the debt is properly validated. Pursuant to the Fair Credit Reporting Act the credit bureaus must verify with the furnisher of information on record. This has not been done. Please assist me because my family and I are trying to achieve the american dream of home ownership and the credit bureaus lack of response and irresponsibility is keeping my family from achieving this. The following below are the account numbers that are in question. I have also included the last XXXX letters that have been sent over. 

XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

XXXX XXXX cancelled my flight hours before departure and the insurance on my Citicard, who always claimed to cover me in anything travel related, did only cover XXXX of the claim, with excuses that are ridiculous. Nobody cares. 
I had to run and get another ticket with another airline and they said they would cover any extra charges just to get me out of the way.
Product: Credit card or prepaid card

See attatched Credit Card Fraud claim XX/XX/XXXX {$470.00} UNAUTHORUZED TRANSACTIONS. see attatched statement of XX/XX/XXXX. ( XXXX +XXXX +XXXX   +XXXX +XXXX +XXXX +XXXX +XXXX +XXXX +XXXXXXXX +XXXX   +XXXX +XXXX = TOTAL {$470.00} ) NO XXXX XXXX transaction of {$120.00} IS NOT INCLUDED in the {$470.00}. Ms XXXX USAA LIES THAT THE XXXX XXXX WAS PART OF FRAUD I REPORTED XX/XX/XXXX. THIS PROOVES IT WAS NOT. XXXX LIED PREVIOUSLY MANY MANY MANY TIMES. Ms XXXX is NOT CREDITABLE. see attatched XX/XX/XXXX statement. XX/XX/XXXX SAME CHARGES APPEAR. 
With an F in ref number ( XXXX+XXXX+XXXX+XXXX+XXXX+XXXX+XXXX+XXXX+XXXX+XXXX+XXXX +XXXX +XXXX ) Kindly note XX/XX/XXXX transactions have ( F ) in reference numbers indicating these are previous fraud charges that USAA put BACK ON CARD. There is no ( F ) in ref number on the XX/XX/XXXX statement. The transactions XX/XX/XXXX were supposed to be CREDITED for the fraud XX/XX/XXXX BUT WERE CHARGED INSTEAD. see Fraud letter XX/XX/XXXX XX/XX/XXXX claim date. This error has been reported numerous times. Ms XXXX says all accounted for properly after her review. ( Ms XXXX the XXXX XXXX WAS NOT REPORTED AS FRAUD XX/XX/XXXX. It is NOT INCLUDED IN the {$470.00} charges. ) DEFAMAMATION REPORTED. The XX/XX/XXXX charges should be CREDITED for the fraud of XX/XX/XXXX. AND ALL CREDITS CLEARLY ARE NOT CREDITED PROPERLY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have numerous negative items stated on my credit report that is not mine. I was never aware of these negative items. I believe I have been a victim of identity theft and this misinformation on my credit report has been affecting me terribly. My information was also compromised during the XXXX  data breach.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX XXXX - XX/XX/XXXX Equifax Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

This XXXX XXXX XXXX XXXX auto loan item was inserted onto my credit file and I did not receive any notification at all via mail. 
Im supposed to be notified at least 4 days before reinsertion. 

I need this account removed and blocked from my credit report ASAP. I have filed a new identity theft report as well have the notarized affidavit to certify that this XXXX XXXX  account does not belong to me. 
Account number is in the letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are reporting incorrectly a collection/chargeoff, as well as that I am ( 120 ) days late on the XXXX partial account numbers XXXX ; XXXX ; XXXX and XXXX. ( Please see pages attached from my credit. ) These student loans have been consolidated. The bureaus initially corrected the balances to report {$0.00} however, they are still reporting the accounts as late and as a collection/chargeoff. This false reporting of a collection/chargeoff is seriously harming my credit score and all of these line items need to be updated and/or removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Debt collection

To Whom It May Concern, I am writing in response to your acknowledgment of my debt validation request dated XX/XX/year>. While I appreciate your willingness to reach out to the original creditor, XXXX XXXXXXXX, I want to reiterate my original request and clarify my expectations to ensure full compliance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

Please understand that my request for debt validation requires the following information : Documentation of Obligation : Copies of any agreements, contracts, or other documentation bearing my signature that explicitly establish my obligation to pay this debt. 
Evidence of Assignment : Documentation demonstrating your legal authority to collect this debt, including a complete chain of custody that traces the transfer of rights from XXXX XXXX to your agency. 
Statute of Limitations Proof : Evidence showing that this debt remains within the statute of limitations, confirming the legality of any collection activities. 
Detailed Payment History : A complete account payment history, including a breakdown of all charges, fees, and interest that make up the current balance you claim is owed. 
Until these documents are provided, I dispute the validity of the alleged debt and reserve my rights under the FDCPA. I also remind you that, during this process, you must cease all collection activities and refrain from reporting any unverifiable information to the credit bureaus. If this account is already reported, I request that you notify the credit reporting agencies of my dispute immediately, as required by law. 

If you fail to provide the requested documentation within 30 days of this letter, I will consider this matter unresolved and expect all references to this account to be removed from my credit file. I also reserve the right to pursue legal action for any violations of the FDCPA or the Fair Credit Reporting Act ( FCRA ). 

Thank you for your attention to this matter. I await your prompt and thorough response. 

Sincerely,
Product: Checking or savings account

We received an advertisement from BoA inviting us to open a business checking account. Advertisement promised a welcome bonus of {$1000.00} for keeping a balance of at least {$20000.00} for 60 days of account opening or {$1500.00} for keeping a balance of {$50000.00} for 60 days. 
We opened a new business account on XX/XX/2023 and made a deposit of {$10000.00},- on XX/XX/2023. On XX/XX/2023 we made a second deposit of {$10000.00}, - and on XX/XX/2023 we made a 3rd deposit of {$50.00}. 
On XX/XX/2023 the balance was {$20000.00} After BoA charged a cash deposit fee of {$7.00} the balance was {$20000.00} which is also the current balance as of today. No deposits or withdrawals have been made since XX/XX/2023. 

On XX/XX/2023 I had an appointment with a financial advisor at our branch in XXXX XXXX. I showed her the letter which promised a bonus of {$1000.00} and asked her why the bonus had not been deposited after over 90 days. She went with the letter to the branch manager and when she returned she started to write on my original copy without asking if that was ok with me. She advised me that we would not receive the bonus until XXXX, XXXX, 2023. She also showed me on her computer screen that we had an average balance of {$19000.00} during the past 90 days. When I asked her how this was possible and how the average balance of {$19000.00} was calculated, her answer was I dont know, the system determines the average balance. I asked her to print this out and she replied I cant because its something internal Then she called the branch manager who advised me that we would not receive the bonus if we wouldnt leave the {$20000.00}, - in the account until XX/XX/2023. The branch manager printed out a statement from her computer and wrote the average balance onto the upper right corner.
Product: Credit reporting or other personal consumer reports

I have made multiple attempts to rectify this issue directly with Amex, and have received no satisfactory resolution. I kindly request the following actions to be taken, investigate the inaccurate charge-off/ Collection listing, transactions and experiences on my consumer report, considering the violation of IRS income exclusion regulation. Pursuant 15 USC 1681 furnishers of information must provide accurate and complete information ; Income does not get reported on consumer report according to the IRS, they filed a 1099C, cancellation of debt and income is excluded from the consumer report, so this account is inaccurate. And if you look at the consumer report, it's reporting as a charge off and collection, how is that possible? this reporting is inaccurate
Product: Checking or savings account

On XX/XX/XXXX, I reached out to first merchant banks customer service to close my account, I was told I have to go to a branch to close it. The nearest branch is 1.5 hours drive from me. 

I called the branch trying to close my account, was told I will need to mail the branch a notarized letter as well as a copy of my ID to close my account, which means Ill need to risk COVID to get a notarized letter. 

Today I learnt online that other people closed their accounts by calling their branches without issue. I do not believe this is fair. 

In addition, my account had a {$15.00} fee because I couldnt close my account.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Equifax, a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previously deleted material into my credit report. 

On XX/XX/XXXX, I sent a letter to Equifax notifying them of the reinsertion of Bankruptcy : Dismissed XXXX, Date Filed/Reported : XX/XX/XXXX, Reference # : XXXX, Court : US DISTRICT into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). Despite waiting 35 days after sending the letter, Equifax has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations. 

Equifax 's actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with Equifax, they have neglected to take appropriate action, demonstrating a lack of accountability and compliance with federal consumer protection laws.
Product: Debt collection

Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt State Collections claim that I owe you. I requested proof that on XX/XX/2024 and XXXX Collections has failed to provide me this requestioned information. 

Also in the letter sent on XX/XX/2024 I mentioned : " Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of, or verifying of this account on my credit reports ''. 

The company has not stopped the reporting on my credit report and this is a violation of my consumer rights.
Product: Credit reporting or other personal consumer reports

I am writing to address the issue of inaccurate account reporting on my consumer report. I would like to draw your attention to the fact that I never provided written consent for the inclusion of these accounts in my report. Consequently, I believe that my rights under 15 USC 1681b have been violated. This particular violation pertains to the safeguarding of consumer information and the necessity of obtaining consent before reporting it. 

I have already filed a complaint with the Federal Trade Commission ( FTC ) and have been assigned a reference number:XXXX. Furthermore, I have made numerous attempts to request the removal of these items from my report, only to receive unsolicited documents from the creditor. My grievance is specifically aimed at the credit reporting agencies, namely Experian, XXXX, and XXXX. It is your responsibility to ensure accurate and compliant reporting. 

In accordance with 15 USC 1681c-2, consumer reporting agencies are mandated to promptly block the reporting of any information in a consumer 's file that the consumer identifies as resulting from alleged identity theft. Therefore, I kindly request that you fulfill this legal obligation and expeditiously eliminate the following accounts from my consumer report : Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting

Chexsystem continues to report information on my Consumer Report after being notified its a result of ID theft and in violation of my request to block that information under FCRA Section 605B and 623 ( a ) ( 6 ). They responded that it was validated but how can an account that is NOT MINE and a result of ID Theft be validated????? I have never had a bank account in my entire life and use a payroll card for all my bills and finances.
Product: Mortgage

I do have a Mortgage with NationStar Mortgage. After having them modified the loan in XXXX 2013 where I started making payment. On XX/XX/XXXX of the same year I have my XX/XX/XXXX payment returned. When I contacted them, they informed me it was because the mortgage went up and my payment was not sufficient to pay the new mortgage amount. I have never received any letter telling any thing about me that. Since then, the account is a mess and they have no desire to fix event though I made several request for that. Now I am afraid because I do not know when they will come and kick me and my family out of the house. To finish with this situation and have, my family and I, peace of mind, I decided to sell the house. It is at this point that I was informed that I have second mortgage on the house which I have never requested and know about it. Even if I sell the house for the amount of {$290000.00} I can not pay off the loan that was originally for about {$180000.00}. I like my house and it is the only one I have to live with my XXXX ( XXXX ) kids. I need help to solve this situation that last too long due to a miscommunication on the part of the lender. I did all I can but with no solution because the Mortgage Company does not want to find a solution even though I can pay for my mortgage. I work so does my husband. And with both income we can easily make our monthly payment, but NationStar Mortgage refuse all my proposition for solution. 
I have more to say about this Mortgage Company, but I save them for later.
Product: Debt collection

This company never gave me a 5day notice of dispute of this alleged debt they say I owe. This is a Volation of my rights they must provide me this information or delete this account immediately or I'll be more then happy to take this to fed court I request in court how this whole this is fraud as well. I will make you show the forward flow agreement which will prove the amount your demanding from me is much lower then what you paid for it to begin with. You are to delete this account immediately!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters dating back to XX/XX/2022. The agency has not responded to the matter. I have shown the agency has not followed its own standard and it's clear by me being able to point out missing, inconsistent, or even inaccurate information on each and every letter attached. The only thing the agency has done is refuse to look into the matter as well as try to stop the process by asking me for ID, which I attached with each and every letter since XX/XX/2022.
Product: Credit card or prepaid card

I received unemployment insurance benefits from the Maryland Department of Labor, deposited to a Bank of America debit card. 

On XX/XX/XXXX, and XXXX, XXXX, {$2700.00} was stolen from my account at Bank of America ATMs. I discovered the theft on XX/XX/XXXX and reported it to Bank of America that day. Bank of America cancelled my old debit card and issued a new one. 

On XX/XX/XXXX, Bank of America sent me a letter stating that my claim was closed " because we believe the account or the claim have been the subject of fraud or suspicious activity. '' On XX/XX/XXXX, I telephoned Bank of America. A supervisor told me that all Maryland unemployment insurance claims had been closed because of some sort of technical error, and that the claim would be reopened that day, XX/XX/XXXX. I was given a claim number different from the one in the closing letter. 

Since then I have received no communication from Bank of America. I have called and spoken with claim representatives and customer service agents on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. No Bank of America employee has provided any useful information or told me the status of the investigation. They give me contradictory information about what the bank is doing and what I can expect. Many times they have told me that they can provide no information because " the account is closed. '' My account has been frozen since at least XX/XX/XXXX. Bank of America 's explanations for this are incomprehensible. 

The theft from my account was an unauthorized transfer, as Bank of America could easily confirm by comparing my driver 's license picture ( which I faxed to them twice ) with the photograph of the person making the unauthorized withdrawal. I provided timely notice of the error under Regulation E, section 1005.11 ( b ) ( 1 ). Bank of America did not investigate promptly or provide the results of the investigation, violating section 1005.11 ( c ). Bank of America has not given me a provisional credit pending investigation. More than 90 days have passed and Bank of America has provided no written explanation, violating section 1005.11 ( d ).

I request that Bank of America unfreeze my account and credit {$2700.00} to it.
Product: Credit reporting or other personal consumer reports

I am writing to formally address a matter of noncompliance by the credit bureau concerning an account currently subject to litigation. In accordance with established legal precedents and applicable codes, specifically the doctrine of estoppel by silence as articulated in XXXX v. XXXX ( XXXX  ) XXXX XXXX XXXX, XXXX, the absence of evidence or substantiation for the alleged debt permits the presumption that no such debt exists. 

To date, the bureau has neither removed the disputed item from my credit report nor conducted any meaningful investigation to substantiate its position. This lack of action fails to satisfy the obligations imposed by law. 



XXXX XXXX XXXX ...., XXXX XXXX ...., XXXX XXXX ....
Product: Credit reporting

To the Attention of TransUnion and the CFPB : I have repeatedly attempted to contact and dispute XXXX accounts reported by XXXX XXXX XXXX both by certified mail and also through the CFPB portal in order to have XXXX erroneously reported items removed from my credit reports. Accounts XXXX, XXXX by XXXX XXXX XXXX previously been deleted from my credit reports under XXXX for the amounts of {$280.00} and {$320.00}. These charges are not mine and were never verified to me under FDCPA guidelines and were promptly deleted by the company. Now, XXXX XXXX XXXX has reported the same accounts simultaneously and has ignored my letters of disputes and requests for them to cease and desist under federal laws and guidelines. I have asked them to stop their harassing abusive communication tactics and they have refused to cease and desist. I have enclosed my return receipt and my certified mail return label dating XXXX XXXX, 2015 so that you are aware that over 30 days has passed and this item was never placed into a formal dispute, which is required by law, with the credit bureaus following my letters requesting proof and validation and prompt deletion. I have never been serviced at XXXX hospital and these accounts are fraudulent. I have placed a fraud alert on all three of my credit reports and expect these invalid and duplicated accounts to be deleted from my file immediately. It is illegal to report fraudulent and erroneous information on my file and what 's making this situation worse is that they continue to ignore me and my concerns and keep re-repoting the accounts under different names. I have filed a CFPB complaint against them under XXXX and I would like your bureau to be aware of this. They have violated FDCPA Laws and have harassed my family and left automated phone calls on my handheld phone and have left pre-recorded messages regarding the erroneous debt that they claim I owe. They have not initiated a dispute after I have requested XXXX in XXXX. The only update I have received from them was an update that the credit report to claim that their accounts meets FCRA guidelines, which they do not. Nor do they follow the Fair Debt Collection Practices Act and this agency violates the laws surrounding them. By law these accounts, which are harming my creditability with furnishers, need to be removed immediately. 
Thank You so much for your time. Sorry, but the collection agency is not available on this database and is not responding to me. But it is unlawful to report these accounts to my credit report. please delete them.
Product: Credit reporting

I have a few student loans that 's not matching up &amp; I checked  my credit score to   find an unfamiliar address that I 've never lived or used on my report. There 's no way this could be a mistake being as tho all my student loan information should all be the same. I believe that some foul play is going on with  XXXX   XXXX   XXXX  in  XXXX   XXXX  &amp; I believe that 's where the address came from. I 've never lived at  XXXX   XXXX   XXXX . In  XXXX   XXXX  Maryland. I 'm not even sure exactly where it 's at in  XXXX   XXXX .
Product: Credit reporting 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. 


Account Name : XXXX 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.