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

I received the official XX/XX/XXXX denial letter of claim XXXX and the evidence provided by BofA is false. I have never transacted business with a XXXX XXXX nor did I authorize the transaction on XX/XX/XXXX. Furthermore ; the IP address provided is not my IP Address. I have done my own research and the device info used to make these purchases DOES NOT belong to me ; it is not my devices serial number or IMEI number. I do not have an XXXX account and all other purchases from this account, on both my BofA credit card and XXXX by XXXX XXXX credit card, were determined fraudulent. I have documented proof of an email I sent in XXXX to built by bees making them aware of this fraudulent purchases. They responded on XXXX stating they would correct this fraudulent purchase and refund me. 

I will be notifying the FDIC, CFPB & the FEDERAL RESERVE of this falsehood.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX AND EQUIFAX ARE REPORTING INACCURATE ACCOUNTS AND INFO THATS NOT MINE. 

Names : XXXX XXXX XXXX- NOT MINE XXXX XXXX XXXX- NOT MINE XXXX XXXX- NOT XXXX XXXX XXXX XXXX- NOT MINE XXXX XXXX - NOT MINE XXXX XXXX XXXX - NOT MINE XXXX XXXX XXXX- NOT MINE XXXX XXXX XXXX - NOT MINE Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX NOT MINE XXXX XXXX XXXX XXXX, FL XXXX NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX NOT MINE SSNs : XXXX NOT MINE ACCOUNTS : XXXX XXXX XXXX- NOT MINE XXXX XXXX XXXX XXXX - NOT MINE XXXX/XXXX - NOT MINE
Product: Bank account or service

My Bank of America Checking account was closed without explanation. They let me keep some of their other banking products.
Product: Credit reporting, credit repair services, or other personal consumer reports

showing inaccurate information that balances are incorrect also showing inquires that are not mine XXXX XXXX over charging on interest rates
Product: Debt collection

I have mailed several certified letters to this collection agency and they continue to negatively report on an account that i have advised them does not belong to me. The event went n to threaten me to reopen the debt and sue me. to also " Be careful " how i responded to them because it could put me in harms way. That they would not stop the collections and continue to report. I have all of the documentation and communication with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize this hard inquiry. This was not approved and or authorized by myself. 

XACTUSXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To CFPB, I have tried to work this out with Experian, XXXX, and XXXX in regard to the inaccurate information currently present on my credit report. Despite numerous attempts to resolve this matter and send letters to the creditors as well, I have not gotten a response. Neither of the addresses they are reporting corresponds to my current situation. 15 USC 1681 ( 4 ) says that they must only report accurate and relevant information. Unfortunately, the information contained in my credit report fails to meet these fundamental standards. I was also affected by the XXXX DATA BREACH. 

My name is : XXXX XXXX My one and only address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX My only phone number is XXXX I demand that they remove the inaccurate, irrelevant, and outdated addresses from my credit report and also remove all misspelled names. 

Unauthorized credit pulls can significantly impact my credit report score. They also raise concerns about privacy and compliance with consumer protection laws. In some cases unauthorized is fraud. 

Can you send a copy to each CRA named above? 
Experian, XXXX, and XXXX. I have attached a copy of my proof Thank you, XXXX XXXX
Product: Credit card or prepaid card

My mortgage is with Wells Fargo at the end of the year they take my escrow and pay my home insurance and taxes. I have had Homeowners of XXXX insurance policy for a long time. I have paid my dues for 13 years and when I needed to reach out to them the call goes straight to a voicemail and no one calls me back ever!! I have been calling since XX/XX/XXXX and it is now XX/XX/XXXX with no call back. I believe this company is a scam and I would like some assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed a bank account in XX/XX/XXXX not realizing a rarely used credit card ( Bank of America ) was still connected to the account. I was enrolled in Bank of Americas email alert notification system which I thought would alert me to any problems with my account. I had this account over 20 years. 

I received BOA email messages in XXXX and XXXX they had received an automatic payment for both of those months. That was not the case and due to two late payments my card was canceled. I never received any email notice from BOA there was anything wrong with the account in fact they said 'Payment received '. I found there was a problem through another credit monitoring agency I use. SEE ATTACHED EMAIL ALERTS I contacted Bank of America XX/XX/XXXX. They would not help with the late payments already on the account. I wanted to close out the balance and card on that date. They initially told me 100.00 which I paid but then I asked them about any accumulated interest to that date. The gave me another figure of XXXX which I also paid. PLEASE SEE CREDIT CARD ATTACHMENT FOR THOSE TWO PAYMENTS. 

At that point I considered the account closed but unbeknownst to me they calculated the interest incorrectly and I had another 90 cents still in accumulated interest. The card was not closed XX/XX/XXXX when I paid off the balance but another 90-day late fee was reported in XXXX which I was again alerted to by an outside agency. I paid the XXXX cents XX/XX/XXXX. SEE ATTACHED CREDIT CARD STATEMENT FOR THIS PAYMENT. 

First I tried to dispute it myself. The current system is the credit card company gets to decide if it made a mistake or not. Surprise! They found in their favor! 

I hired at attorney firm XXXX XXXX XXXX and XXXX ) who sent repeated letters to BOA regarding these errors. BOA did not reply or correct the error. They then contacted the reporting agencies who also did not respond. They have tried for over a year to correct this error. My credit score dropped from over 800 over 100 points. 

I have no recourse. I am turning to the Consumer Protection Agency as a last resort. 

XXXX XXXX CONTACT INFO : Direct : ( XXXX ) XXXX XXXX Personal : ( XXXX ) XXXX Office : ( XXXX ) XXXX Facsimile : ( XXXX ) XXXX
Product: Checking or savings account

I currently use NETSPEND as the financial institution for my payroll. On XX/XX/year> I went to the ATM and tried to withdraw funds from my account and was given a error for " INVALID CARD ''. When I called the customer service the rep expressed that my card was canceled online. I never did this and she couldnt explain how this happened. She ordered me a new card and I asked for it to be rushed. After receiving my card in the mail, I went back to the ATM to withdraw funds and then I found out the account had {$3500.00} stolen XXXX days after I spoke to the representative on XX/XX/year>. I called customer service and the rep told me on XXXX, XXXX hours after hanging up with the representative, a virtual card was created and the money was moved to a XXXXXXXX XXXX account transaction number XXXX. I never created an virtual card, the representative never told me this was a option and I dont have a XXXX XXXX account. I have already filed a complaint and full investigation on the employee that stole my money from my account and now I have to wait until XX/XX/year> to receive a response and possibly get a credit until the investigation ins concluded. I would like to press charges and sue this company for fraud and theft. Please advise me on what are my options. 

Below is the email i sent to my employer payroll company. 

Hello, The payment I just received from XXXX was stolen out of my account by an employee that works for the financial institution that I use. I was paid {$4000.00} on XX/XX/XXXX and when I tried to use my card the next day my card was giving me an invalid card error. When I called to find out why this was happening, I was told my card was canceled. I ordered a new card and XXXX hours later after this phone call, a virtual card was created and transferred {$3500.00} from my account. When I received my new card in the mail, I went to the ATM and then found out {$3500.00} was stolen from my account. At this moment I have already notified the company XXXX and Im awaiting their investigation and response to my claim by XX/XX/year>. I am highly upset and frustrated because I have not been paid since XXXX and this was my check I was waiting on. Can you please tell me if you or the state of XXXX can assist with filing a complaint and law suit on this company for fraud and theft. Please let me know.
Product: Student loan

Nelnet is my student loan company. I have been trying to pay my loan off in full multiple times, but it never goes through. They never take the money out of my account. And they are so far impossible to get on the phone with an actual person, even though I am calling during business hours. I go through the whole auto system just to hear a recording that their offices are closed for the day when they should very much be open. If they don't start taking my money, interest is going to start accruing, which is completely unethical, as I am trying to make a one time payment to cover the entirety of my debt. Additionally, their website is poorly built and has more than one bug in it. 

If they fail to take my payment I will take legal action before XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I hope this letter finds you well. I am writing to request your assistance in correcting the personal information on my credit report. I recently obtained a copy of my credit report and noticed that some of my personal information, specifically my address, is inaccurate. To ensure the proper handling of my personal and financial information, I kindly request that my correct address be updated on my credit report. 

For your reference, my personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : XXXX Social Security Number : XXXX Correct Information : Address : XXXX XXXX XXXX XXXX XXXX 
City, XXXX, Zip Code : XXXX XXXX, XXXX  XXXX Please find enclosed a copy of my driver 's license/utility bill/lease agreement as proof of my correct address. I request that you update my credit report with the correct information and remove the incorrect information. Additionally, I kindly ask that you send me a confirmation letter once this update has been made to ensure that my records are accurate. 

I understand that errors may occasionally occur in credit reports and appreciate your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at [ Your Email Address ] or [ Your Phone Number ]. 

Thank you for your assistance in resolving this issue. I look forward to receiving your confirmation letter. 

Sincerely, XXXX XXXX Enclosures : Proof of correct address ( driver 's license/utility bill/lease agreement )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX accounts, Account name : XXXX XXXX XXXX. 
Account numberXXXX Account name : XXXX XXXX XXXX Account number XXXX XXXX Account name : XXXXXXXX XXXX XXXX Account number XXXX XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX 
Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number XXXX XXXX Account name : XXXX XXXX XXXX  Account number : XXXX have violated my rights : 15 U.S.C. 1681 ( A ) states : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S.C. 1681 ( B ) states : Consumer Reporting Agency can not furnish an account without my written instruction. 15 U.S.C. 1681 ( S ) states : ( a ) Duty of furnishers of information to provide accurate information. 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. I have notified XXXX, Transunion, & XXXX of inaccurate information on my credit report. 15 U.S.C. 1692 ( B ) states : Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall, NOT state that such consumer owes any debt. I have received numerous phones calls from each of these companies trying to collect the money that i " allegedly '' owe. I feel i have given more than enough proof of the laws that these companies have broken. I need these accounts to be removed from my credit report. if these accounts are not removed from my credit report i will be seeking financial compensation or harassment. 15 U.S.C. 1692 ( D ) ( 5 ) states : causing a telephone to ring or engaging any person in telephone conversation or continuously with intent to annoy, abuse, or harass any person any person at the called number. Thanks for your time and understanding on this matter at hand.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I noticed three different XXXX XXXX XXXX accounts reporting on my credit report about a year ago. All three of these accounts has misinformation being reported so I disputed with the three credit reporting agencies. The credit reporting agencies never responded to me however, I do monitor my credit and nothing changed, all three account were still not reporting correctly. So, I decided to send a letter to XXXX XXXX XXXX asking them to correct, complete, and verify what they're reporting for all three accounts on XX/XX/XXXX. I did not get a response from them either so I sent another letter asking them why they did not respond and that they're verifying inaccurate information on these three accounts on my credit report on XX/XX/XXXXXXXX I still did not get a response so I decided that I was going to continue to send them letters until they responded. I sent letters asking them to fix the errors that they continue to verify on these three accounts with the credit reporting agencies. I sent letters every couple months XXXX XXXX XXXX XXXXXX/XX/XXXX and finally on XX/XX/XXXX which they finally responded to on XXXX They ignored me for a whole year and then finally responded within 3 days! now, I'm disputing three different accounts and I've been sending three different letters every time but in this response they don't acknowledge which account they replying to, just that they reviewed my letters and needed more information to investigate. They asked for a " specific '' complaint and a " specific item ''. In all three letters I provided everything, the account numbers they're reporting, the misinformation they're reporting and verifying, and every letter I've sent has been very specific and detailed with all the information required for them to investigate. Then they went on to say my letter was " frivolous and irrelevant. '' And if that wasn't enough, after ignoring me for a year, finally responding that the didn't have enough information which they do, they ended their letter telling me that they were going to charge me " {$30.00} per our to research my information '' and charge me a " {$25.00} hourly reconciliation fee '' for me asking them to correct the errors they're reporting and verifying with the credit reporting agencies. I don't see anywhere on the CFPB website or online that companies can charge the consumers who ask for compliance with the Fair Credit Reporting Act. To me this sounds illegal and violates my rights as a consumer and that's why I'm filing this complaint.
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed items from my credit report as well as update the items from my report during the investigation period. As of this date, they have failed to respond to my request. 

XXXX XXXX Balance Owed : {$16000.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3400.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$7400.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$2000.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX  Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/ Reference # : XXXX.
Product: Checking or savings account

I had my whole identity stolen by a woman that stays in my XXXX XXXX. she stole my phone, my laptop and intercepted my mail and opened credit cards in my name. She transferred out my paycheck from my bank account and my savings using XXXX. She also spent my entire amended tax return that I transferred to my netspend all access pre-paid card. She was arrested and the police found on her person at the time of arrest, my netspend card, bank card, phone and laptop., all other financial institutions have cooperated with returning my funds except netspend... they refuse, I appealed the decision and they just keep closing the case with no credit given. I don't believe they even looked at the documents I sent them ( identity theft report, police report, updated police report showing an arrest was made, etc.. ) they say that because the pin wasn't change and because the account was checked with a trusted device ( my phone she stole that the police have since returned to me ) that these charges were not unauthorized. They said maybe I can get my money back from her now that she is arrested. The detectgive said that the chances of me getting a dime from her are slim to none, she is a professional identity thief and was actually transferred to other states and counties to face charges there. she won't see daylight for awhile so how is she gon na pay restitution and it could be years if she is sentenced to pay restitution before she is even sentenced let alone free to work and pay back all she stole. I also offered proof that i was hospitalized at the time of these transactions and i absolutely did not give anybody my permission to use my card.
Product: Credit reporting or other personal consumer reports

I was completely stunned when I saw incorrect accounts suddenly pop up on my credit report this morning, and I can't figure out why this is happening. I check my credit report regularly, and this has never happened before. I even tried refreshing my browser, thinking it might just be a glitch, but unfortunately, the wrong information remained. I'm really disappointed by this and now I'm requesting a thorough review of the documents I've submitted so that I never have to experience this XXXX  again.
Product: Debt collection

Re : Winn Law Group XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Tel:XXXX  XXXX XXXX I filed a Chapter XXXX for the arrears of my house to help pay it off and didn't know it included my credit cards. I continued paying my credit card because I didn't know I had XXXX balance as charged-off. The last credit of my payment was XX/XX/XXXX, but I paid another one on  XX/XX/XXXX. Last year a XXXX XXXX XXXX from company Winn Law Group sent me a letter stating they bought the account and was charging me {$740.00}. I replied numerous times by email, mail, fax explaining that they were my XXXX payment was not credited and they are missing the XX/XX/XXXX statement that should show my additional payment. I even sent the bank statement that contained the payment history for XXXX. I was requesting for them to credit my payments and adjust the charge accordingly. Their response email states they received my request but they can't entertain but only through phones. I called and left messages more than these that I remember but they just tell me they will call me back but never did. 
XX/XX/XXXX, XXXX email XX/XX/XXXX, XXXX email telephone call left a message- XX/XX/XXXX Faxed documents XX/XX/XXXX Talked to XXXX on XX/XX/XXXX In XX/XX/XXXX, I became jobless because of the coronavirus state orders. As so, I continued to request to adjust the charge sending them the payment evidence and due to financial difficulty at the pandemic time, I was asking for a payment plan. They responded with a Civil Suit Summon from the XXXX XXXX. I tried to go the court to help me with how to fill up the reply form but no department nor attorneys would help me for a {$750.00} collection case. I am in such financial difficulty I can not afford to spend to court and attorney fees so please help me settle this with this company. I have spent a lot of time trying to contact them and this pandemic and this job insecurities drive me to XXXX with an added lawsuit. Please ask the company to withdraw the lawsuit and just communicate with me
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX  XXXX OPENED XX/XX/XXXX - BALANCE {$220.00} Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX - BALANCE {$350.00} Account Name : XXXX # XXXX OPENED XX/XX/XXXX - BALANCE {$770.00} Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX - BALANCE {$1700.00} Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX -BALANCE {$1500.00} Account Name : XXXX XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX - BALANCE {$4000.00} Account Name : XXXX XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX - BALANCE {$15000.00} Account Name : XXXX # XXXX DATE OPENED XX/XX/XXXX - BALANCE {$170.00} Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX