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

I started a credit freeze and fraud alert on my accounts mid XX/XX/2024 with Experian after a major security breach in the US. 
I opened accounts with XXXX and XXXX as well and have had no issue with logging back in to those accounts. 
I have NEVER been able to log back in to the Experian account from the initial set-up despite knowing the log in information. I have attempted to change the password numerous times, used " the other '' method of logging in, i.e. cell phone and last 4 of SS. I have followed the recommendations of the automated response system and ultimately end up with the error message " OOPS, we're sorry! We are currently unablet o process your request. '' I have wasted hours on the phone sporadically since mid XXXX attempting to by-pass the automated response system and can't get through to a person. Typically the automated response system just ends the call without forewarning or starts a loop repeat. I have sent numerous e mails to Customer Service with no response. 
I am planning on making a major purchase in the next months and will need to make changes to this credit freeze along with the fact that I SHOULD BE ABLE TO LOG BACK IN TO MY ACCOUNT WHEN I NEED TO!
Product: Mortgage

New home constructed XXXX, purchased in XX/XX/XXXX. Lender calculated property taxes into PITI. Loan then bought from lender by AmeriHome. XX/XX/XXXX, AmeriHome sent ltr increasing Escrow tax  deduction w/o explanation to be eff XX/XX/XXXX. My research disclosed XXXX County, AZ documents that property was to be assessed for tax years XXXX & XXXX as 'Vacant Land '. I sent 3 email msgs to AmeriHome w/county document. AmeriHome did not accept county document or my challenge. XX/XX/XXXX, ltr to AmeriHome asking for answer to email msgs & decision. XX/XX/XXXX, lady called from AmeriHome tax dept saying they had document from XXXX County that taxes due XX/XX/XXXX exceeded {$2200.00}. She declined to provide copy of document & said she'd call back in 2-3 days - no call or ltr to date. Called County Treasurer & told no ltr was sent to AmeriHome & allegation of {$2200.00} taxes due in XX/XX/XXXX is false! He told me taxes are NOT assessed by Assessor until late XX/XX/XXXX of current taxable yr. The assessed value is then sent to Treasurer for review & evaluation. Treasurer ofc then applies County formula for taxing B/4 being sent to pty responsible for payment - ( 1st half in XXXX, 2nd half in upcoming XXXX ). Reaffirmed that my property was to be assessed as Vacant Land until XXXX tax year.
Product: Debt collection

I have a business credit card with Bank of America that I am past due on payments. I have attempted to setup a payment plan however upon my last contact they told me I was in collections with another company and forwarded me to XXXX to talk about my repayment options ( who subsequently have not gotten back to me ). 

Last Tuesday XX/XX/2023 Bank of America 'offset ' my personal checking and business checking in the amounts of {$1600.00} and {$970.00} respectively in order to collect a portion of my past due amount leaving me with {$100.00} in each account. I tried calling to get the money back and to pay {$500.00} to cover a portion of the debt owed with the understanding I would get on a payment plan to cover the rest- they refused. 

I went into a local branch today Tuesday XX/XX/2023 to dispute this offset and was given the same response- they will not return the offset and only after I setup a 12 month payment plan will they stop future offsets. The manager recommended that I not use my account until I have setup a payment plan as she was concerned the bank would continue to draw out of my account. 

Based upon my reading of 1026.12 ( d ) Special credit card provisions ; 'a card issuer may not take any action to offset a cardholder 's indebtedness arising from a consumer credit card transaction against funds the cardholder held on deposit with the card issuer ' what the bank did was illegal.
Product: Checking or savings account

I am a member of USAA since XXXX, and currently have one checking account with them. On XX/XX/XXXX I made three transfers from my XXXX  XXXX XXXX checking account to my USAA checking account through the USAA app. My first transfer was in the amount of {$140.00} and no holds were placed. Then I placed a second transfer in the amount of {$80.00} and again, there were no hold on that transfer. My third transfer was in the amount of {$80.00} and before I could complete my transfer, the app prompted me that the transaction could not be completed at that time. When I looked on my checking account, my account had a balance in the same amount of {$80.00} and a hold of 8 days were placed on my transfer, making the amount available on XX/XX/XXXX. I contacted USAA to ask why a hold was placed on my transfer, and why the app prompted a message saying that the transfer transaction was not available at that time, and after being on hold for a few minutes, the representative came back on the line and told me that because I was charged ( incorrectly ) two NSF fees, the system will choose to place holds on my transfers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted Transunion twice in regards to 3 inquiries on my credit report that I did not make. I advised that I suspected fraud. They informed me they couldn't do anything and to contact the creditor- XXXX XXXX. I contacted XXXX XXXX and was informed they could not do anything either.
Product: Vehicle loan or lease

I have a boat loan with Key Bank. My boat is a documented vessel - this is different than typical registration on a boat. My boat has a vessel name ( XXXX ) and a hailing port ( XXXX XXXX, CA ). I moved to XXXX XXXX last year and wanted to change the hailing port on my vessel. The XXXX XXXX requires me to get approval from Key Bank via XXXX XXXX Form XXXX. I contacted Key Bank and they gave me an address to send the form and required a {$100.00} fee to process the form. They said it would be processed in 5 business days. I sent the form and check to them on XXXX XXXX 2017. I was planning a trip to XXXX in XXXX so I wanted to get all the paperwork completed by then. After waiting 3 weeks, I contacted Key Bank. They said they never got my form or check. I informed them that they had cashed my check which was stapled to the form. They insisted that I send another check and form - this time they gave me a different address with a specific mail stop. I called the next week to see if they go the form. They said no. I continued to call and finally they told me they got it and were processing it. I made an additional 17 phone calls to various people including XXXX XXXX, two of this staff XXXX & XXXX, XXXX, XXXX and finally to XXXX XXXX. XXXX was able to confirm the receipt of my form and told me XXXX XXXX was processing it. I waited another 2 weeks and nothing. It 's now getting close to my departure to XXXX so I contacted the XXXX XXXX to tell them what was going on. They required another {$100.00} fee to un-do my request ( I paid them {$100.00} when I initiated the request with Key Bank in XXXX ). I had to re-purchase lettering for my boat to take it back to the XXXX XXXX XXXX XXXX and submitted an expedited request to the XXXX XXXX for temporary documentation so that I can leave the country. Key Bank XXXX XXXX me a document today approving a name change on my boat. I do not wish to change the name, I never requested that, I requested changing the hailing port. For 2 1/2 months now , Key Bank continues to be uncooperative on the phone and clueless as to what is being requested. They should not provide boat loans if they do not have the ability to process the simple paperwork required to meet XXXX XXXX requirements.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the incorrect reporting of late payments on my credit file for the following accounts : XXXX. XXXX Account XXXX : XXXX ( XXXX XXXX ) XXXX. XXXX XXXX Account Number : XXXX ( Late Pay ) XXXX. XXXX Account XXXX : XXXX ( XXXX XXXX ) XXXX. XXXX XXXX Account Number : XXXX ( Late Pay ) These late payment notations are inaccurate and violate multiple provisions of the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), and relevant regulations. I am requesting an immediate investigation and the removal of these incorrect entries to ensure compliance with federal law. 

Violations of Federal Law 1. Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681a ( 2 ) ( xi ) : Credit reporting agencies and furnishers must ensure that all information included in a consumers credit file is accurate and verifiable. Reporting unverifiable or inaccurate late payments breaches this standard.

15 U.S. Code 1681s-2 : Furnishers of information are legally required to report accurate data and promptly correct errors when notified.

2. Truth in Lending Act ( TILA ) : 15 U.S. Code 1666 ( b ) : Billing errors, including misreported late payments, must be thoroughly investigated and resolved by creditors. Failure to comply with this requirement constitutes a direct violation of federal law.

3. Regulations Implementing TILA : 12 CFR 1026.13 : This regulation outlines the obligations of creditors to investigate and resolve billing disputes, including errors in reporting late payments. Noncompliance with this regulation is subject to penalties. 




Damages and Remedies If these inaccuracies are not corrected promptly, I reserve the right to seek remedies under the following provisions : Statutory damages of up to {$1000.00} per violation under FCRA ( 15 U.S. Code 1681n and 1681o ).

Actual damages resulting from the inaccuracies, including higher interest rates, credit denials, and emotional distress.

Punitive damages for willful noncompliance.

Recovery of legal fees and associated costs related to pursuing this matter.

Action Requested I am requesting that : 1. A comprehensive investigation be conducted for the accounts listed above in compliance with FCRA and TILA.

2. All inaccurate late payment entries be promptly removed from my credit report.

3. A written confirmation of the resolution be sent to me within 30 days, as required by 15 U.S. Code 1681i ( a ) ( 1 ) ( A ). 



Next Steps I trust that your team will handle this matter with the seriousness it deserves and resolve it promptly. If this issue is not corrected, I will be compelled to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other relevant regulatory agencies. Additionally, I will consult legal counsel to pursue remedies under the law for the harm caused by these inaccuracies. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am submitting to file a complaint regarding fraudulent activity on my credit report. After researching how to address this issue, I learned that I need to visit the Federal Trade Commission ( FTC ) or their website at XXXX : XXXX to file an identity theft report. According to FCRA Section 605b, credit reporting agencies are required to remove any items listed in an identity theft report, reference number XXXX. Please find the attached documents to help with the removal of the accounts, inquiries and erroneous personal information on my reports. The following items were opened without my authorization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance Owed : {$330.00} XXXXXXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX  XXXX XX/XX/year> ======EQUIFAX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$620.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$330.00} XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$330.00} XXXX XXXX XX/XX/year> XXXX XX/XX/year>. Under FCRA Section 605B ( a ), credit reporting agencies must remove any items resulting from alleged identity theft within 4 business days of receiving the complaint.
Product: Credit card

I ordered wine on my Chase Visa on " futures '' that was supposed to be delivered in 2-3 years. It turns our the vendor was engaged in a pyramid scheme which was discovered and they declared bankruptcy. I went to Chase to have the fraudulent charges reimbursed. They agreed to reimburse the charges made within XXXX days, but claim that Federal Banking Rules prevent them from reimbursing the charges past 536 days. I asked for clarification of what rules have been issued by the Fed that would prevent them from making good on this fraud, and they refused to provide any detail. I asked to speak to a supervisor ( named XXXX XXXX ) in the dispute resolution department to gain understanding of what federal statute would prevent Chase from reimbursement and was denied opportunity to speak with him. I asked for email address so I might contact him and was told that I could not have that either. And there does not appear to be any way on the Chase site to reach this person. If there is a Federal law or rule which prevents them from making good on this fraud, than I understand. But, I a skeptical that such a law or rule exists and their lack of willingness to provide clarity seems to support this view. The amount under dispute here is approximately {$16000.00}. Any help you can provide is very much appreciated.
Product: Checking or savings account

On  XXXX / XXXX /17 we were contacted by someone who claimed to be from the United States Department of Health and Human Resources stating my boyfriend was eligible to receive {$12000.00} from the Obama stimulus package. He said we had to pay an activation fee and taxes totaling about {$1100.00} with gift cards. We were told at the end of the call after we purchased the cards and gave him the codes on the back that we had just been scammed. We immidiatly made a police report and called the bank. We went to the bank and they filed an investigation. The bank manager said she was going to make some calls to get our money back because it was frodulent circumstances. We have made several calls to the bank never receiving a response. We reached the manager once and she said she would call us back that following Monday and never did. They have completely ignored us but told us twice they would replace our debit cards and did n't do that either. The purchases should have been flagged as suspicious. Our money is supposed to be guaranteed by the Government and we should have had it back by now. We were unaware that it was fraudulent but the bank should have caught it. Instead they act as if we do n't exist which is wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I've called Transunion credit agency numerous of times to get this matter resolve. There are a lot of inquires on my credit report that does not belong to me. Both XXXX and XXXX and has all the correct information.
Product: Credit reporting, credit repair services, or other personal consumer reports

" " '' I have disputed this collection on this XXXX XXXX  for months.XXXX  and XXXX have reversed them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Product: Credit reporting, credit repair services, or other personal consumer reports

incorect persomal imformation on my credit report
Product: Checking or savings account

On XX/XX/year> XXXX am, I went to XXXX XXXXXXXX XXXX here California I have deposited XXXX $ in cash in ATM machine, my money didnt go through into my account so I reported it on the spot to the branch and they have told me to call the customer service to report this issue they told me it take XXXX days for investigation. So today XX/XX/year> I called customer service and representative told me that the branch only see XXXX $ on their atm machine and they cant do anything anymore I told them to look in their camera they refused it and they told me they cant do anything anymore they wont give my money back and they can only give me XXXX $ and they told me thats all theyre going to give me. This is ridiculous bank, not helpful at all.
Product: Credit reporting or other personal consumer reports

This is my follow regarding the persistent presence of fraudulent items on my credit file, despite multiple attempts to rectify the situation. This ongoing issue not only poses a severe threat to my financial stability but also raises urgent security concerns. I urgently this matter. I urgently request the following actions : Immediate and expedited review of the documentation provided in support of the disputes. Fast-track removal of the fraudulent items from my credit file to prevent further financial and security risks. Transparent communication outlining the resolution process and the steps taken to address this matter urgently. Attached, please find copies of the supporting documentation, including [ list the documents attached, such as police reports, identity theft affidavits, etc. ], for your reference during the expedited investigation. I emphasize the critical nature of this matter and the immediate impact it has on both my financial well-being and personal security. I rely on the accuracy and security of my credit file, and it is imperative that these fraudulent items are promptly and definitively addressed. Please help me remove these items immediately : XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX Balance XXXX : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00}.
Product: Debt collection

I do not know anything about the monies i owe. it was on my credit report. I wrote a letter to company asking them to send me a validation or any contracts i have signed. They did not send me anything but still reported me to the credit reporting companies.
Product: Credit reporting or other personal consumer reports

It has come to my attention that my credit account with you may have been compromised. I have observed a failure to REMOVE items even when accompanied by an FTC fraud report # XXXX. Considering the legal requirement outlined in section 605b of the FCRA, I am dispatching this correspondence via certified mail to establish a legal recourse. This is complemented by a newly filed FTC Report # XXXX. If you opt not to REMOVE the below-listed items, inaccurately reported due to identity theft, legal action will be initiated through my attorney. While it is my preference not to pursue legal recourse, I implore you to adhere to the stipulations of the law. Kindly remove the following fraudulent items, which were opened without my consent or knowledge : -- -- -- -- -- -- XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX, XXXX XXXX Balance : {$2000.00} -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00}
Product: Debt collection

Dear CFPB, I am writing to file a formal complaint against [ Jefferson Capital System ] regarding their unlawful harassment over a debt that is not mine. I believe their actions are in violation of the Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and raise serious concerns about a potential data breach. 

Nature of Harassment : Frequent phone calls, letters, and threats regarding a debt I do not owe. 

Violations and Concerns : 1. FDCPA Violations : Under 15 U.S.C. 1692e, debt collectors are prohibited from using false, deceptive, or misleading practices. The debt in question does not belong to me, and their persistent communication is a clear violation of this provision.

Their repeated and unwarranted contact also violates 15 U.S.C. 1692d, which prohibits harassment or abuse.

2. FCRA Violations : If this debt has been reported to credit bureaus, it constitutes inaccurate reporting under 15 U.S.C. 1681s-2, damaging my credit reputation. 

3. Data Breach Concerns : The possession of my personal information by [ Jefferson Capital System ] raises concerns about how my data was obtained. This could indicate a potential data breach, and I demand an investigation into whether my personal information has been unlawfully accessed, shared, or compromised.

Actions Requested : 1. I demand that [ Collection Agency Name ] cease all contact with me regarding this matter as required under 15 U.S.C. 1692c ( c ). 

2. Investigate this matter to ensure compliance with federal laws and prevent further harassment.

3. Provide confirmation of any findings related to how my information was obtained and ensure it is removed from their records if found to be accessed.
Product: Debt collection

NOTICE YOU BROKE THE LAW To : XXXX XXXX XXXX, XXXX XXXX XXXX On XX/XX/22, I XXXX XXXX a consumer checked my consumer report and notice that a collection account ( XXXX XXXX, XXXX ) was added to my consumer file claiming that consumer owes an alleged debt. As a result of this notice I am a victim of Identity Theft, or my identification or financial information has been used or transferred or has been alleged to have been used or transferred without my authority or without my consent. This is a violation under Federal law pursuant to 15 USC 1681g ( 11 ). 
I have attached my identity theft report and supporting documents and will file a complaint to XXXX XXXX XXXX, registered agent XXXX XXXX XXXX XXXX for corporation for Identity Theft and unfair debt collection practices under the FDCPA ( Fair Debt Collection Practices Act ). I am demanding a removal or deletion from my consumer file and consumer report IMMEDIATELY or all parties involved will be held liable under Federal laws pursuant to 15 USC 1692k- Civil Liability, Pursuant to 15 USC 1611- Criminal Liability for willful and knowing violation, Pursuant to 15 USC 1681n- Civil Liability for willful noncompliance and Pursuant to 15 USC 1681o- Civil Liability for Negligent noncompliance.