23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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. 

I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX Acct # - XXXX XXXX XXXX XXXX Acct # - XXXX XXXX XXXX  Acct # - XXXX XXXX XXXX Acct # - XXXX XXXX XXXX Acct # - XXXX XXXX XXXX Acct # - XXXX XXXX Acct # - XXXX XXXX Acct # - XXXX XXXX Acct # - XXXX XXXX XXXX Acct # - XXXX XXXX  Acct # - XXXX XXXX Acct # - XXXX XXXX XXXX Acct # - XXXX XXXX XXXX Acct # - XXXX XXXX XXXX Acct # - XXXX XXXX XXXX  Acct # - XXXX XXXX XXXX Acct # - XXXX NCB Acct XXXX - XXXX XXXX XXXX XXXX  Acct XXXX - XXXX XXXX XXXX  Acct # XXXX XXXX XXXX Acct # - XXXX XXXX XXXX  Acct # - XXXX XXXX  Acct # - XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that aren't reporting correctly.

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 an 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 seven 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. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to ask that you please review your records for me and make any necessary corrections. I am concerned about the accuracy of my credit report and would like to make sure that all information is up to date, and compliant with reporting laws. I would also appreciate it if you could remove any inaccuracies from my report immediately. Thank you for your attention to this matter. The only name I go by is XXXX XXXX. Please remove any name you have in your system that does not match XXXX XXXX. The only residence I reside at is : XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX. Please remove any address you have in your system that does not match XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX.
Product: Credit reporting or other personal consumer reports

I applied for a mortgage loan with XXXX XXXXXXXX XXXX XXXX, with mortgage lender XXXX XXXX. I decided to rescind the loan, due to my agent XXXX XXXX and her Broker, XXXX XXXX, of XXXXXXXX XXXX XXXX XXXX XXXX and the seller 's misrepresentation and breach. Each member of the mortgage closing team lender, XXXX and closing attorney, XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and the seller, XXXX XXXXXXXX XXXX. seemed to be upset with my decision. 

The seller and agent decided to file a claim/suit for commission/escrow deposit XXXX The agent also proceeded to harrass me on several occasions, trying to coerce me into making the purchase. In order to file the civil claim, the seller and agent I believe had to some how obtain my personal contact, identification, drivers license information and banking information, without my permission, from the mortgage lender. On XX/XX/year>, I received a fraud alert that my non-public personal and financial information was compromised. 

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

Beginning in XX/XX/XXXX, I submitted certified letters to XXXX XXXX XXXX in reference to a charged off balance of {$1000.00} and XXXX XXXX XXXX with a collection balance of {$1000.00} asking for validation of the alleged debt owed. ( eg. my signature showing that I had entered into a contract with them ) I was sent a copy of an invoice from the collection agencies, and a letter from the credit bureaus stating that the account had been verified. I then sent another dispute to the collection agencies asking them to provide me proof and not an invoice showing that the debt was indeed mine. I again received a copy of an invoice and a letter from the bureaus stating the account was verified. 
In XX/XX/XXXX, I sent dispute letters to Equifax and XXXX requesting validation of the debts reported negatively on my credit reports. I once again received a letter from the bureaus stating the accounts had been validated, but I have received no proof. 
In XX/XX/XXXX, another dispute letter was sent to the bureaus with another response from then stating " validated '', but with no proof of the validity. 
I have been diligently working to have these items removed from my credit file as these items have been impacting me negatively in my pursuit to purchase a home. All I 'm asking is that I am provided with proof that these items belong to me- An invoice is NOT proof. 
Any help that you can give would be greatly appreciated. 
Thanking you in advance!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card

I called bank of America XX/XX/XXXX in regards to being locked out of my account and having a credit card that expired back in 2019. The onlything that got accomplished was an updated phone number and they gave me a number to call about a card replacement. 

Called them the following day twice. They claim they couldn't authenticate me after i answered all their questions. Told me to go to a branch or go online and rudly hung up on me so I called back. The 2nd person was a better experience but the authentication questions wouldn't populate. Told me to call back later on in the week. Didn't seem all that sure if a manager could help in my case. Their aware there's no branch near me. 

I can't login to my account because I need a non expired credit card to do that. They won't unlock my account or send me a card because allegedly they can't authenticate me and there's no branch near me to too. I did request a credit report so I can correct any issues that might be in there as well. This should have been standard practice to mention.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Sunday, XXXX XXXX at XXXX XXXX  I tried completing an online request through the annual credit report online application process, and tried to do so using my cellphone. When I got to the step for the first credit reporting agency, transunion it said error try submitting my phone or paper application. So, I tried again Sun., XXXX XXXX at around XXXX on my computer and it said error you've already gotten your free credit report from transunion. 

I was willing to pay for it anyway, and tried to submit the application, but still received an error in even continuing with the paid version. The error seemed to be with my " current address '' which is a Maryland address as opposed to a New York address. I don't understand why I am unable to proceed with getting copies of my credit report online. Tried ordering by phone but the system couldn't understand the spelling of my name. 

Please advise. 

Looking forward to your response. 

Thank you, Concerned Customer who is applying for an apartment and needs to submit application as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2017 I have been disputing a XXXX XXXX XXXX account on my credit that I don't remember having. I have sent 3 separate letters and the credit bureaus responded stated that they verified that the account belong to me so I said fine, send me proof and to date they have not responded with any proof. They keep sending the same computer generated report which states that the account is verified.
Product: Checking or savings account

I wanted to rent a house from XXXX XXXX XXXX XXXX with a move in date of XX/XX/2022. The address of which is XXXX XXXX XXXX XXXX NC. 
On XX/XX/2022 my application was verbally approved over the phone and they emailed me a link to pay the first month 's rent of the advertised {$1600.00}. 
I followed the email link to their website where it requested me to pay the first month of rent where I paid {$1600.00} by checking account. 
A few hours after paying I received an email link to review the lease in my email. The lease was around 40 pages long and very aggressive towards tenants rights. The monthly payment amount was higher than the advertised amount due to administrative fees and ongoing maintenance fees along with move-in and move out fees and lease preparation fees. 

The total amount for the yearly term would have been much more than they advertised so I declined to sign the lease. Beginning XX/XX/2022 I've made several phone calls to their office to request a refund since I never entered into a contract with them. 
They stated the amount I paid is non-refundable which I was never notified of. 
I also received an application denial notice in my email from them. 

I contacted my bank, Wells Fargo, on XX/XX/2022 to submit a claim and after a few days the claim was denied. Wells Fargo will not assist me in returning my money from the vendor which I feel was deceiving and scammed me. 

This is my attempt to get a refund before filing a claim in small claims court against XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX, XXXX, Experian will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : XXXX XXXX  account number XXXXXXXX  Account name : XXXX XXXX account number : XXXX Account name : XXXX Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, Capital One pulled a hard inquiry on my credit report. This was a fraudulent inquiry. I called Capital One and they told me to contact the credit unions. I told them this was fraudulent and not me, and I asked them to correct it but they again told me to contact the credit unions.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXXXXXX Balance : {$7600.00}.
Product: Credit card

This account clearly constitute a breach of contract and are fraudulent. The bank did not provide me with crucial information about this fraudulent account, which directly infringes on my consumer rights. As a result, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to intervene directly, as the bank 's actions have caused significant damage to my financial situation. The account in question is : XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting Act XXXX  account XXXX XXXX XXXX acct # XXXX, XXXX XXXX  acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX has violated my rights. 

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 also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting or other personal consumer reports

according to the FCRA 15 U.S code 1681 2xi, 15 U.S. code 1666b and U.S. code 6802. a creditor can not place a late payment with out notifying me. i did not receive any notice. if XXXX the creditor can not prove on i authorized these late payments to be added to my credit report please remove from credit report. also there is inaccurate reporting of the late payments. i have attached the inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

My ex-wife 's late mortgage information ( 12+ months past due ) has been incorrectly put on my credit report! 
We refinanced a home through XXXX XXXX, then we divorced and I filed bankruptcy. In the documents I will attach, it clearly shows that this mortgage amount was discharged by the bankruptcy, and this is also in the divorce decree On the bankruptcy petition - see page 20, XXXX XXXX mortgage for {$68000.00} was included in the bankruptcy filing On the divorce decree - see page 17, Exhibit 1, under division of property On the attached credit report shows that this negative information has been put on the XXXX and EXXXX credit bureaus, but looks like not on XXXX. 

I have had a XXXX Ohio company, XXXX XXXX XXXX, send official documentation to XXXX XXXX ( actually now Bayview Bank, who, when I called them took over the mortgage when it got many months past due. ) XXXX  contacted Bayview approximately XX/XX/2020. Still no response from Bayview to date
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX acct # XXXX has violated my rights. 15 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C 1681 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAYS DATEXXXX XXXX, XXXX R SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian Dispute Department XXXX XXXX XXXX XXXXXXXX, Texas XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v XXXX, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, XXXX et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the XXXXreditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which IXXXX sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX
Product: Credit card

Subject : Formal Complaint Regarding Unauthorized Credit Card Transaction and Fees Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding a recent experience with Bank of America ( BOA ) involving unauthorized credit card activity and associated fees. 
On XX/XX/scrub> 2023, I submitted an application to Bank of America for a credit card offer featuring a 0 % interest rate for 12 months, with a balance transfer option at a cost/fee of 3 %. As part of the application, I requested balance transfers for three specific credit cards in order to take advantage of the promotional offer.

After reviewing my application, Bank of America unilaterally decided to pay off only one of the three credit cards I had listedwithout my knowledge or consent. Subsequently, BOA issued a credit card in my name and sent a payment directly to XXXXXXXX XXXX XXXX XXXX, one of the credit card companies listed in my application. This unauthorized payment resulted in a credit balance at XXXX and, to my surprise, a new balance of {$6800.00} ( including the 3 % transfer fee ) at Bank of America. I only became aware of this transaction upon receiving a statement from XXXX, which was both unexpected and concerning.

Upon discovering this issue, I immediately contacted Bank of America to request a reversal of the unauthorized transaction. BOA representatives informed me that the transaction could not be reversed. I then requested that the 3 % transfer fee be waived, as I did not authorize this payment. BOA refused to reverse the fee despite the fact that I neither consented to nor was notified of the payment.

I find Bank of America 's actions to be highly unethical. Sending payments without customer authorization or notification violates principles of transparency and consumer trust. Further, charging a fee for a transaction that I did not approve is deeply concerning. This experience aligns with broader reports of aggressive and unethical practices by Bank of America, including unauthorized account openings and fee-driven tactics.

I kindly request the Consumer Financial Protect
ion Bureau to investigate this matter and hold Bank of America accountable for their actions. Specifically, I request : 1. A full reversal of the {$6800.00} balance transfer and corresponding 3 % fee.

2. A formal acknowledgment from Bank of America regarding their failure to secure proper authorization for the transaction.

3. Assurance that such unauthorized practices will not occur in the future.

I appreciate your time and attention to this matter and look forward to your support in resolving this issue fairly. Please do not hesitate to contact me for any additional details or documentation required. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I accidentally sent XXXX to a individual through Cash App. I reached out to the person requesting a refund. They haven't responded. They also did not accept the refund. I reached out to Cash App support team. They did not respond.
Product: Mortgage

I have filed a written request, more than a year ago with Ditech Financial Mortgage to not contact me, only by mail. No phone, text, fax, etc. For the last week I keep getting daily phone calls from XXXX XXXX from Ditech, and to call back this number XXXX ext XXXX. I refuse to call back, I do n't like this.
Product: Debt collection

Frequent calls for someone other than myself to collect on debt I do not owe.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of accounts and inquiries related to my credit report as I have become a victim of a data breach, as described under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 U.S.C. 1681c-2 ( a ).

The following inquiries appear on my credit report and were not authorized by me : Inquiries : 1. XXXX BANK - XX/XX/2024 2. XXXX BANK - XX/XX/2024 3. XXXX BANK - XX/XX/2024 4. XXXX XXXX - XX/XX/20245. XXXX XXXX - XX/XX/2024 6. XXXX - XX/XX/2024XX/XX/year>
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXXXXXX  Balance $ XXXX Open XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$6800.00} Chargeoff XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance $ XXXX-Chargeoff XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance {$0.00} Chargeoff XXXX XXXX Date Opened : XX/XX/XXXX Balance {$2300.00} Chargeoff XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$0.00} late closed XXXXXXXX XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance {$6100.00} Chargeoff XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX