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

On XX/XX/2020, my purse was stolen in XXXX, TX. My Bank of America Business debit card was used with unauthorized charges in the amount of {$1400.00}. I reported my card stolen to the XXXX Police Department as well as to Bank of America and opened a claim. I was told by a Bank of America claims specialist that I would receive a temporary credit on my account until the investigation was complete. I never received a credit to my account, nor have I received any written correspondents from Bank of America, in regards to this claim. On XX/XX/XXXX, I called Bank of America, and learned that the investigation had been closed, and they couldn't prove fraud because of XXXX transactions day before my card was stolen, and because whoever committed the fraud didn't exhaust ALL funds in the account, which is not usual fraudulent activity. In result, Bank of America is finding me responsible for fraudulent activity on my stolen debit card. This decision is unethical and unjust. The consumer should not be held responsible for any fraudulent activity on a stolen debit card.
Product: Debt collection

XXXX XXXX XXXX XXXX  XXXX Are accounts that are not mines and no knowledge of these accounts they are both closed and they both need to be removed from all credit reporting agencies. They are both collections and they are both already closed. Double back on reporting is unfair especially knowing that they are not my accounts.
Product: Credit reporting or other personal consumer reports

I would like to dispute the following items off my credit report : XXXX : XXXX XXXX Acct : XXXX {$2300.00} XXXX Acct : XXXX {$0.00} XXXX  Acct : XXXX {$410.00} Experian : XXXX XXXX Acct : XXXX {$2300.00} XXXXXXXX  Acct : XXXX {$0.00} XXXX : XXXX XXXX Acct : XXXX {$2300.00} XXXX Acct : XXXX {$0.00}
Product: Debt collection

Midland Funding LLC has been trying to collect a debt they say I owe from another company they bought the debt from. Problem is that I do not know the company and have told them I do not owe this debt. They would call my house about XXXX times a day, and kept harassing me about this debt. when I asked for proof that of the original amount, they kept insisting they sent this to me, which I never received. My husbands Aunt has the same first and last name as I do, and is in the process of filing Bankrupt. I do not owe this company and now they are trying to take a legal judgment against me. Sick of harassing calls from a company, I owe nothing too. Sick of this company trying to sue me for money I do not owe. If they purchased this debt why would n't they make sure they have the right person.
Product: Debt collection

1.I have never had an account with this company RADIUS GLOBAL SOLUTION XXXX, REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are RADIUS GLOBAL SOLUTION the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.SXXXX code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 
8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 
10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending multiple written requests however, the incorrect items listed below still remain on my Credit Report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$400.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$470.00}
Product: Credit reporting or other personal consumer reports

Dear Experian, I am writing you these lines because as I was verifying my credit report with your company, it shows inaccuracies that require your attention. These inaccuracies are in violation of the consumer law.
Product: Credit reporting or other personal consumer reports

Subject : Incorrect Denial of Credit Line Increase Based on Inaccurate Credit Report Information Dear Citibank Customer Service, I am writing to formally lodge a complaint regarding the denial of my recent requests for a credit line increase on both of my Citibank XXXX XXXX. The denial letters I received stated that the reason for the denial was due to a late payment reported on my XXXX credit report. 

However, I have reviewed my XXXX credit report in detail, and I can confirm that there are no late payments reported. I have attached a copy of my XXXX credit report for your reference, which clearly shows that my payment history is accurate and there are no late payments recorded. 

This error has caused me considerable inconvenience and I am concerned about the impact it may have on my credit standing and financial planning. I request that Citibank  promptly reassesses my credit line increase requests in light of the accurate information provided. Additionally, I urge you to review your internal processes to ensure that such errors do not occur in the future. 

I trust that you will address this matter with the urgency it deserves. Please confirm receipt of this complaint and provide me with an update on the actions being taken to resolve this issue. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am file a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting

To whom this may concern, I am a victim of identity theft and I have previously reported this to Chexsystems, the FTC, Local Police, the CFPB, and others - however - despite multiple attempts to contact Chexsystems I have not gotten a response from Chexsystems and negative known to be false information continues to appear on my report. However, whats worse is that Chexsystems has failed to following the rights, as explained on Chexsystems ' own website here : https : XXXX? MOD=AJPERES Specifically, at least the following violations have occurred : 1. ) Chexsystems has not initiated an investigation into my disputes and continues to request unnecessary information as an excuse for not investigating. 
2. ) Chexsystems has not provided me with a copy of my credit file in or provided me with a response to a dispute within the allotted time. 
3. ) Chexsystems has not included my " brief statement '' on file, meaning I am being denied my rights to dispute information that Chexsystems has failed to remove or properly investigate. 
4. ) Chexsystems has not resend my file to financial institutions who previously obtained a consumer file with disputed and known to be false information. 
5. ) More generally, Chexsystems has given me the " run around '' and has refused to assist in the understanding, disputing, or management of their consumer files. 

Given this situation, I am requesting Chexsystems promptly remove all previously disputed information and send a response via registered or tracked mail to XXXX, XXXX, California, XXXX, XXXX. I have experienced missing mail, which is also in my previous complaints to Chexsystems and thereby believe this requires the use of tracked or registered post to avoid the sensitive information from getting stolen and to confirm delivery. 

Should you have any questions or concerns, please contact me at XXXX or via mail to the address above.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality. 

Equifax Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NE XXXX acct * XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX acct * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Al XXXX acct * XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ut XXXX acct * XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Ca XXXX acct * XXXX XXXXXXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ut XXXX XXXX # XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, Ca XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX, XXXX, Al XXXX XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX, NE XXXXXXXX XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX, NE XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ut XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX, Al XXXX 15 U.S.C. 1681 section 602 A : state 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 instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB Complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts and infromation in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and infromation listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission and I am requesating you to please have the items removed from my Credit File as soon as possible : XXXX XXXX XXXX Balance : {$410.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$6000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$470.00} XXXX XXXX XXXXXXXX Balance : {$440.00} XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$380.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance XXXX {$29.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX ) XXXX Balance : {$500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$230.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$650.00} XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX. ) XXXX Balance : {$440.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$390.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$340.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit act. 15 U.S.C 1681i ( a ) ( 1 ) ( A ), can you reinvestigate the completeness and accuracy of the list of accounts below. 

XXXX XXXX XXXX XXXX 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 15 U.S.C 1681 section 602 states I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666B : A creditor can not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 and other adverse item of information other then records of convictions of crimes which antedates the report by more then seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person has reasonable cause to believe the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Product: Credit card

I've attached documents for your reference. I urge the bureau to start an investigation into these accounts, as I am never late, despite the inaccurate reporting.
Product: Credit reporting or other personal consumer reports

I need to dispute late payments off XXXX I never paid late and its paid in full so Im confused I also previously disputed XXXX XXXX XXXX XXXX XXXX XXXX {$16000.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX {$270.00} They are identity theft and I sent proof of police report and identity theft report No response
Product: Credit card

I am a recent victim of identify theft. I have reported it to FTC. In my recovery efforts, I requested for credit alert. I also discovered that American Express has erroneously reported to the the XXXX major credit bureaus, XXXX, XXXX and XXXX that I have had an open resolving credit line with them. I have no knowledge or record where that account came from. I have called American multiple times that the agent stated there was no such account, and therefore they would not do anything for me. 
I request that American Express investigate why that Unwanted credit card account has been opened and placed in my credit reports. Is it a situation similar to the many unauthorized accounts in the recent case of XXXX?
Product: Checking or savings account

I opened a Wells Fargo checking account on XX/XX/XXXX as part of a promotion that would provide a {$250.00} bonus after opening a new checking account and setting up a direct deposit amount of {$500.00} or more within 60 days of account opening. All terms of this offer were met and completed on XX/XX/XXXX. The bonus was supposed to be issued within 45 days of meeting the terms of this offer. It has now exceeded 45 days. The bank is now claiming that I was not targeted for this offer on their internal system. <P/>I have attached the screenshot from Wells Fargo describing the offer as well as a copy of my checking account application email confirming my enrollment in the offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in disputing all incorrect data on my credit report with experian.
Product: Mortgage

This is not the first time I'm complaining about this same issue. I logged a complaint last year too with CFPB ( Ref # XXXX ) for the same exact thing. DO NOT disburse money from my Escrow Account irresponsibly to pay my home Insurance premium when its ACTIVE and hasn't past the due date yet. 

Knowing that there are irresponsible and bad actors at Wells Fargo, which lead to the largest scandal in recent times and the resignation of XXXX XXXX, I specifically took the time off from my work and made the call ( waiting on the line for my turn ) and placed a hold on my Escrow account to NOT make any payments to my Home Insurance, it was still done! 

Worse yet, when I spoke to the person over the phone this year ( XXXX ), I got the exact same response as I received last year ( XXXX ) for this same problem which only proves that fact that its a very common occurrence at the bank and all your agents have been trained to respond in a similar way. 

Now this is what I need from you ( Wells Fargo ). Since we've been here before already and this has happened again, which totally prove the point that you have NOT taken any responsibility or have put a check in place to STOP the occurrence of the issue. What are my options now as a Customer? 

What are you willing to do to set things right in a way that settles this issue? 

If not, then where can I go next to ensure that you are held accountable not just for huge XXXX XXXX fraud scandals, but also for ( comparatively ) smaller issues that cause havoc in the life of a powerless, voiceless naive customer like me?
Product: Credit card or prepaid card

I 've had a credit card with Wells Fargo for over XXXX  years, and just found out it the account was closed on XXXX/XXXX/XXXX. I have not used the card for over XXXX years, and when I called the Credit Card services division of Wells Fargo to inquire about the status of the card after finding out from a branch banker that it was n't active, I was told that the account had been " closed by the consumer ''. I am the consumer, and I absolutely did not close this account. After further requests, I was later told the account was actually closed due to lack of use, something I was absolutely never made aware was impending or had been completed, despite the claim from Wells Fargo that they sent XXXX letters on separate occasions to notify me of their intent to close this account. 
I am aware of the benefits of having long standing good credit, and this card was XXXX of the primary tools I 've had in my credit portfolio for over a decade. I currently am in possession of a Wells Fargo XXXX XXXX card that does not expire until XXXX XXXX, and am fortunate I did n't attempt to use this card as it has been closed for almost a year and a half without my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against timeshare XXXX / XXXX XXXX XXXX XXXX XXXX. I have requested verification of an account that is reporting on my credit. The creditor has refused to provide any information. This willful neglect has not only caused much financial hardship, but is also a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance or obtain new lines of credit. I've been requesting for validation but had no responses. Our rights under Fair Credit Billing Act of 1974 is not being followed. There is improper billing, my financial information has been shared without my permission, and my rights are being violated. I want this account to be closed or validated. They're willfully neglecting the verifications to purposely cause harm and stress. I have disputed this account for validity it is not been verified & they continue to attempt to take money out of my account and threaten me with legal action which they are willfully not following the law and violating my rights under the fair credit reporting act. I feel I'm being profiled and neglected by these conglomerates for they only demand payment with no evidence of the right to collect. I need assistance in this matter and these companies should be penalized for violating federal law.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove/correct this information at the earliest possible time. 

XXXX XXXXXXXX XXXX date of inquiry XX/XX/XXXX. 
XXXX date of inquiry XX/XX/XXXX. 
XXXX  date of inquiry XX/XX/XXXX. 
XXXX date of inquiry XX/XX/XXXX. 
EXPERIAN XXXXXXXX XXXX date of inquiry XX/XX/XXXX. 
XXXX XXXXXXXX XXXX date of inquiry XX/XX/XXXX. 

XXXX date of inquiry XX/XX/XXXX. 
XXXX date of inquiry XX/XX/XXXX. 
XXXX  date of inquiry XX/XX/XXXX. 

The list above are companies that have been listed for inquiries in my credit report. I have not authorized any of the inquiries made by these companies