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

This is my 2nd letter that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

These items are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) The consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXXXXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXX - XXXXXXXX XXXX XXXXXXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00}, XXXX XXXXXXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXXA XXXX XXXX XXXX Filed : XX/XX/XXXX.
Product: Checking or savings account

First, I need this to reflect on record that Bank of America does not do thorough research on dispute 's when it comes to customers that has multiple prior claims. Bank of America, Instead denies the claim. 

Regarding XXXX XXXX warranty with XXXX XXXX lists the policy that states that devices have no physical damage, no water damage and is within one year of purchase that they replace the device if its defective I called XXXX, they informed me that I need to call XXXX. 

I had the Total protection coverage, there was no defectives and devices was new screen protector that was purchased a u-break and applied by them was not done properly, so removing the bubbled screen protector applied by ubreak which is affiliated with XXXX was not applied correctly. When i took off, the top left was not flush. that's all. But, XXXX said that I wont be charged for that but they suggested that I don't take a chance and have XXXX handled it.. So, So rather taking a chance with XXXX I would take the risk of having to pay {$29.00}. 

If XXXX claims that any damage appears on the device, than I would like to provide the video that has been taken from the moment I did the hard reset to the sealing of the box. The XXXX  includes the XXXX  as week. 


XXXX. A transaction for XXXX XXXX on a XXXX  was made,. 
XXXX. Bank of America did not deduct the credit that has been applied until a few days later. 
XXXX. This is where the bank failed, I am the customer who filed the XXXX XX/XX/XXXX or XXXX a purchase was made at XXXX XXXX On XX/XX/XXXX Bank of Americas deducted the funds and made the history to appear that we made the purchase with XXXX XXXX after. 

Bank of America violated ( per 1681m ( a ) ( 3 ) ( B ) L Bank of America did not provide a statement of decision Failed to provide a rejection notice Failed to provide the agency details ITS IMPORTANT THAT i MAKE THIS A PUBLIC COMPLAINT ALLOWING OTHERS TO SEE THE TRUTH. 
. 

When a dispute is filed, I print out the daily transactions so that if you deduct the credit than I have proof that it was not done from the perception you causel
Product: Checking or savings account

On the XXXX of XX/XX/2022 at around XXXXXXXX XXXX XXXX XXXX, I got to the ATM with ID XXXX at the city of XXXX, Florida, to deposit money. 
I deposited the sum of {$4600.00} dollars and the ATM took it whole and released back out only {$700.00} XXXX dollars. I thought the ATM was taking time to process the money deposit, but it was not like that. When I saw the screen, it showed a message of error, and I couldnt do nothing to take back my {$3900.00} dollars. 
I started to get really frustrated and did not know what to do. I decided to try and deposit {$100.00} dollars to see if the ATM will do it correctly and it did. You can verify this on my bank statement. After I deposit the {$100.00} dollars, I began calling every Bank of America number I could, but no one would answer, until I got a number from the app that indicated was the claim number, and I was able to file a claim of what happened that night. 

Basically the ATM took the money and didn't deposit it to my account. 

The bank answered my claim and told me they couldn't pay the money, because there was no evidence that supported my claim. So i send a fax XXXX a number they gave for them to re open my case and return me my money, but again they told me they couldn't pay because of no evidence. 

So I decided to start a complaint with the cfpb, because i need bank of america to erase a debt i dont owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my recent credit report request from Transunion, XXXX, and XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & TRANSUNION VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX Account # XXXXXXXXXXXXXX Account Status Charge-off Status Updated Contact Information XXXX XXXX XXXX XXXX XXXX, NV XXXX  ( XXXX ) XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT OFF MY CREDIT REPORT XXXX XXXX XXXX Account # XXXXXXXXXXXXXX Account Status Charge-off Contact Information XXXX XXXX   XXXX XXXX XXXX XXXX, SD XXXX  ( XXXX  ) XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT OFF MY CREDIT REPORT XXXX XXXX XXXX Account # XXXX Collection Contact Information XXXX XXXX XXXX XXXX XXXX, MS XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT OFF MY CREDIT REPORT
Product: Checking or savings account

I opened my Citizens Access Savings Account online on XX/XX/year>, and immediately funded the account via ACH. The funds cleared on XX/XX/year> with no problems. I tried to conduct another transfer from Citizens Access and they immediately froze my account and I havent gotten any information or attempted contact from them since. Ive made a complaint ( # XXXX ) which I hope compels them to resolve my matter.
Product: Credit card or prepaid card

Last year Bank of America changed their rates which led to an underpayment ( I set up my payments to be paid automatically through bill pay ) which caused a late payment in XX/XX/2019. My credit is meticulous and I ALWAYS pay on time. Bank of America never notified me of the rate change, therefore, violating Reg Z ( failure to provide written notice of a rate change ). Had I received this I would have adjusted my payments in bill pay and never would have incurred a late payment.
Product: Student loan

They stated that yes it was applied for, but I need to know if I can begin consolidating loans without loosing refund???? I want to be able to get account adjustments!
Product: Credit reporting or other personal consumer reports

I am writing to formally request that the following accounts and inquiries be blocked and deleted from my credit report, as I am a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that these items be removed from my credit report due to their fraudulent nature. 
Accounts to be blocked and deleted : XXXX. XXXX - Account XXXX : XXXX - Date : XX/XX/XXXX - Amount : {$1000.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$2200.00} XXXX. XXXX XXXX XXXX  - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$5100.00} Inquiries to be blocked and deleted : XXXX. XXXX - Date : XX/XX/XXXX XXXX. XXXX  - Date : XX/XX/XXXX XXXX. XXXX  - Date : XX/XX/XXXX
Product: Checking or savings account

Since 2017 my id and social security card were stolen and multiple banks and credit cards opened and checks were cashed under my name that was not me. Now I am in XXXX XXXX and cant open a bank account or credit card.
Product: Debt collection

The imposters are claiming that they have my social security number and that they are collecting a debt. They call me a few times a day from different phone numbers.

I don't have any debts! As a matter of fact, my identity was stolen a few months ago, and I filed a report with all the credit card bureaus and also with all the credit card issuing banks about the fraudulent inquiries in an attempt to open credit card accounts using my stolen information. Perhaps if these offenders received harsh punishments, such as life imprisonment, there would be fewer crimes. Sadly, crooks have more rights than law-abiding citizens in this country.

Here is a list of the phone numbers they are calling from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I refuse to provide these crooks with any of my information. They already have my phone number and can look at my account with that.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to Equifax,XX/XX/XXXXXX/XX/XXXX 

I didn't hear back so I sent on letters again for a demand for a comply XX/XX/2021. 

Today is XX/XX/2021 and Its sad i still haven't even heard back from these Companies yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 

1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

3. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

4. there is some inaccurate information reporting. 
XXXXXXXX XXXX XXXX Account Number : XXXX Delete this account. 

5. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 

7. there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Delete this account. 

8. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

9. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Delete this account. 

10. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX Account Number : XXXX Delete this account. 

11. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 

12. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX  XXXX  Account Number : XXXX Delete this account. 

13. there is some inaccurate information reporting. 
XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

14. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15. I did dot give them permission to check my credit XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

16. I did dot give them permission to check my credit XXXX/XXXXXXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccuracies on all three Credit Bureaus on date of last payment and not reporting accurate information. Information is pulled from credit reports on XX/XX/20 from all credit bureau 's. XXXX, XXXX  and Experian for XXXX XXXX listed as XXXX XXXX XXXX. Loan has been payed off and Experian who last reported in XXXX still has not updated the accurate information.
Product: Credit reporting or other personal consumer reports

Due to my information being involved in several data breaches over the past 7 years I filed an identity theft report with my local police department ( Tracking Number XXXX ) and the FTC ( FTC Report Number : XXXX ). 



Company or Organization : I.C SYSTEM INC Account Number : XXXX Date fraud began : XX/XX/year> Total fraudulent amount : {$830.00}
Product: Debt collection

On XX/XX/2020 I became aware of inaccurate information listed on my credit reports by Credit Collection Servic. I requested validation, competent evidence bearing my signature showing that I have ( or ever had ) some contractual obligation to pay them. On XX/XX/2020 I received a dispute acknowledgement along with an itemized document. 

On XX/XX/2020 I made a second attempt to resolve this matter by informing Credit Collection Servic referencing FTC Opinion letter from Attorney XXXX XXXX XXXX that a printout of a bill or itemized document does not constitute verification. I have not received a response back. 

Furthermore, I mentioned in my second dispute the unfair inaccurate reporting of not just the account status but of the account name. Credit Collection Servic listed the mention account under three name variations I believe acting in bad faith. Credit Collection Servic, Credit Collections Services and CCS Collections.
Product: Credit reporting or other personal consumer reports

I contacted the company to cancel my trip and was told I needed to contact the merchant XXXX XXXX to make that cancel request and that merchant would notify them ( Affirm ). I followed affirm advised and made contact with XXXX XXXX to cancel my trip, they cancelled my trip ( confirmation code XXXX ) on XXXX/XXXX/2924 at XXXX XXXX. At that point I thought everything was final due to what Affirm advised me to do, but then they withdrew two additional payments out of my banking account. I made contact with Affrim at that time to see what was going on and they refused to cancel my loan when I provided them the cancellation information and proceeded to harrass me with threatening phone calls and emails. Affirm then lied reporting false information to the credit bureau in error causing me to drop my credit score by XXXX points. I want them investigated for reporting false information and have them reverse what was reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was using my XXXX  credit card for renting a car. I didnt have a working car I took XXXX from my home to the rental car company. The amount of the rental was XXXX and all the people in front of me their deposit was XXXX plus rental fees I only had XXXX available in my account at XXXX so I transferred XXXX dollars from my checking to my credit card to give me enough to cover the rental. I wanted to use my XXXX  Visa card because it covers my insurance on the rental. When I went to pay the counter person said I needed to cover XXXX with a XXXX dollar security deposit. I questioned why everyone else was only paying XXXX dollars. He told me because the car was being provided by the insurance company. Mine was XXXX. I was XXXX dollars short on the amount available on my credit card I tried to transfer another XXXX to the card from my XXXX  checking account. It would not accept a second traction from the same account the same day. I called the bank and spoke to a manager about helping me. They said they couldnt do anything I couldnt even pay cash at the bank to enlarge my usable money avail for the rental. It was only XXXX dollars. The bank representative said he could try to increase my credit line on the credit card I told him I only wanted enough to cover my rental he put it in for XXXX dollar increase. He came back and said they wont increase my credit line at this time. I used a different credit card and was able to get my rental. A few days later I got notified my credit score changed. I looked on my scores on transunion and XXXX my credit score had dropped 35 points for the hard pull on my XXXX credit card account. This is nut it took me a year to get my score over 620 and now when I needed a score over 620 to rent a apartment my score dropped 35 points.
Product: Debt collection

This collection Is showing on my credit report but does not belong to me. Columbia debt recovery I have disputed this account with all credit bureaus and also with the creditor. I have mailed letters to this collections agency as well as letters to the bureaus.
Product: Mortgage

I am in the process of refinancing an existing mortgage with Bank Of America. The current mortgage is variable, so I accepted a fix 15 year at 5.5 % APR. Everything is within acceptable limits. except that the bank chooses to hold up the approval because they say that they are unable to reach my employer. The XXXX Department Of Education to varify my hourly wages. I have sent two end of year salary statements, Two year W2 forms and two recent consecutive bi-weekly statement, as asked. I am frustrated. I believed that I am being discriminated against due to age. I have been employed with the same employer for the last seventeen years as a XXXX XXXX. I am asking you kindly to take a look at my case. Thanks.
Product: Credit card

I made a payment online to pay my Macy 's credit card in full. I received a notification by email that my payment had been applied to my account. I never received any further notification that the payment was rejected. Macy 's contends that they sent me a letter by mail -- even though I had elected to receive notifications by email -- but I did not receive any such letter, nor did I receive an email. I was not notified of the returned payment until my next statement, at which point a {$25.00} returned check fee had been applied. Macy 's refuses to refund the {$25.00} returned check fee. They contend that the check was returned because the account number I provided was for a closed account. However, they admit that the account number they recorded was only XXXX digits long. It is not possible that I entered a XXXX account number in both fields where the account number is requested in the Macy 's online payment flow. I 'm aware that my account number is much longer than XXXX digits, and the Macy 's system should not and would not accept a XXXX account number. It 's clear that the payment was rejected due to a technical error on the part of Macy 's, and that I was not informed of this error in a timely manner. Furthermore, as a result of this issue, I incurred an adverse credit score. I would like to request your assistance with reversing the returned check fee that Macy 's charged me, as well as repairing the damage to my credit score.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX Subject : Dispute of Obsolete/Incorrect Information in My Credit Report Under 15 USC 1681c and Non-Receipt of Form 1099-C Dear Credit Bureau I am writing to dispute inaccurate and potentially obsolete information that appears on my credit report, in accordance with 15 USC Code 1681c of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing the continued reporting of an account that I believe should no longer be included. 

The account details are as follows : Creditor Name : XXXX XXXX  Account Number : XXXX Date of Delinquency/Charge-off/Closure : XX/XX/XXXX Nature of Dispute : The debt in question should have been removed due to the passage of the [ seven-year ] reporting limit under 15 USC Code 1681c. Furthermore, I never received a Form 1099-C for the alleged cancellation of debt, which raises questions regarding the validity and status of this account.

Since I did not receive a Form 1099-C, there is no record that this debt was officially canceled or forgiven. This lack of documentation further supports my belief that the information is either obsolete or inaccurate and should not be included in my credit file.

I request that you : 1. Immediately remove the outdated or incorrect account from my credit report.

2. Conduct a thorough investigation to verify the accuracy of this information and determine why a Form 1099-C was not issued.

3. Provide me with written confirmation that the disputed information has been removed or corrected once your investigation is complete.

Under the FCRA, you are required to investigate this matter and correct any inaccuracies or outdated information within 30 days. Please consider this letter a formal dispute.

I have enclosed a copy of my credit report with the disputed item highlighted, as well as copies of identification documents to verify my identity. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation that the erroneous information has been removed from my credit report. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone tried to obtain a auto loan in my name without my consent or knowledge. I can not delete these fraudulent hard inquiries since the creditor can not remove them without an account. That does not make sense when the fraud was stopped before an account was secured. Now Im left with fraudulent hard inquiries. Please delete!