23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXXXXXX XXXX received a call to cell XXXX from XXXX at BoA stating there was a fraud breach from my auto pay in my XXXX payment. He put me on hold a couple of times to talk to XXXX. He stated not to use my card, verified the number and I will get a new one. Call ended. 
I checked my BoA on XX/XX/XXXX and noted there was {$17000.00} on my card. This was not my charges to this card. I also noted on my XXXX credit union account, all monies had been moved around and a withdrawal scheduled for XXXX for the next week. This was not my doing. 
I placed a fraud notification via online with BoA for the XXXX. 
I went up to XXXX store on Nevada, spoke with XXXX and another person who stated no one at XXXX spoke with anyone at BoA. My account was in good standing. They informed me that they have had some breeches and recommended a new phone number. XXXX. Also recommended that I get a new email. 
I went to XXXX on XXXX XXXX XXXX and met with XXXX. We went into my account to which he put the monies that was moved and scheduled for a payment for for a car payment back to where I had things, no money was removed, just moved around and scheduled to a payment. I own my car. He closed the account and opened a new one and stated they wlll monitor the account for 30 days. 
I went to BoA, XXXX XXXX XXXX branch, on XX/XX/XXXX and met with XXXX XXXX to discuss the fraud transaction on the card and a letter I received from BoA that I was responsible for {$34000.00}. He also noted the {$690.00} transaction fee on the card. He called the Customer Service for the card ; this was on speaker phone. He spoke to the CS person, female, who stated she would re-open the fraud complaint and removed the transition fee. CS also stated the XXXX was incorrect and to disregard the letter. She noted the XXXX was a balance transfer to XXXXXXXX XXXX  in Texas. I do not know XXXXXXXX XXXX. She also removed the {$690.00} from the credit card. 
Today, XX/XX/XXXX, BoA stated to get a police report to which I did. Fraud claim for XXXX  XXXX XXXX is XXXX, intake by officer XXXX on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Personal Statement I was XXXX  for 8 years and someone use my identity to apply for credit, heres a list of unauthorized inquiries and accounts on my credit report that i wish to be removed : ( inquiry : XXXX XXXXXXXX ), Account # XXXX ( XXXXXXXX XXXX ),. These above accounts and inquiries has violated my rights. The court FCRA 15 USC 1681 B states that any close account, late payment account, collection account, charge off accounts, must be removed. 15 USC 1681 section 602 Alpha states i have a right to privacy, 15 USC 1681 604 Alpha section 2 states A consumer reporting agency can not furnish a account without my written instructions, or consent. All the above accounts and inquiries is unauthorized and should be disputed from my XXXX  Report and all 3 Credit Bureaus XXXX Equifax And XXXX Under the laws of the FCRA ( 15 USC 1681- 1681u, these unauthorized inquiries and accounts must be removed immediately please and thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I was affected by XXXX which caused a financial hardship in XX/XX/2022. I contacted XXXX XXXX in reference to account # XXXX and they made accommodations on my account and removed the 30 days late fee. Under the Cares Act my account should be reporting as current on my credit report for the month of XXXXXXXX XXXX. I am requested that the 30 day late be deleted from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone with a similar name filed a Bk in 2013 and it is listed on my credit report with XXXX and Experian. I have never given XXXX XXXX written permission to provide this information to ANY consumer reporting agency. I have wrote the courts and the responded saying that they do not provide any personal information to any credit bureaus. I have reached out to XXXX and Experian and they both said that XXXX XXXX provided them the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of identity theft and have been attempting to resolve issues that have now gone on for several years and there are still some items that the credit bureaus and creditors are not removing. I have filed a FTC Identity Theft Affidavit and provided such to all three consumer reporting agencies and the creditors. 

The remaining items I have not been able to get help in resolving are : 1. XXXXXXXX XXXX XXXX, Acct XXXX, Open XX/XX/XXXX and XXXX XX/XX/XXXX which shows a charge off of {$4200.00}. This is not mine and I have provided all parties documentation of this identity theft. 

2. XXXX XXXX XXXX XXXX : Line of Credit XXXX, Open XX/XX/XXXX, XXXX XX/XX/XXXX, Charge off {$26000.00}. This is not mine and I have furnished all parties documentation. 

3. XXXX XXXX XXXX XXXX : Credit Card, XXXX, Open XX/XX/XXXX, XXXX XX/XX/XXXX, Charge off {$6300.00}. This is not mine and I have furnished all parties documentation. 

4. XXXX XXXX : Credit Card XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, Charge off {$4400.00}. This is not mine and I have furnished all parties documentation. 

5. XXXX XXXX XXXX  : Credit Card XXXX, Open XX/XX/XXXX, XXXX XX/XX/XXXX, Charge off {$14000.00}. This is not mine and I have furnished all parties documentation. 

6. XXXX XXXX XXXX  : Credit Card XXXX, Open XX/XX/XXXX, XXXX XX/XX/XXXX, Charge off {$15000.00}. This is not mine and I have furnished all parties documentation. 

XXXX  XXXX : Credit Card. Do not have the account details. Charge off {$5200.00}. This is not mine and I have furnished all parties documentation. 

I have repeatedly sent copies of my request along with a copy of the Federal Trade Commission Identity Theft Report. Under FCRA Section 605B they have no more than four business days to remove or block. This has now gone on for months and months.
Product: Credit card or prepaid card

XXXX/COMENITY/XXXX was opened XX/XX/23 without my authorization. Current balance {$0.00}, and credit limit of {$350.00}.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I made all on time payments with KOVO INC NEVER MADE ANY LATE PAYMENTS KOVO CREDIT AGREED TO REPORT TO BELOW credit bureaus a good will later as a mistake on their behalf of reporting a late payment to said credit bureaus XXXX REPORTING LATE PAYMENTS ( KOVO INC ) XXXX XXXX also has a address I do not live at XXXX XXXX XXXX XXXX XXXX Tx XXXX need to be removed Furthermore these credit bureaus have completely failed to protect my consumer rights and have been reporting inaccurate payment status that is reflecting on my personal credit report Which had dropped my score over XXXX points XXXX XXXX XXXX have fraudulent inquiries that are reporting on my personal credit report TRANSUION FRAUDULENT INQUIRIES XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX have fraudulent accounts & inquiries that I previously disputed in which they fail to remove being im a victim of identity theft XXXXXXXX XXXX {$1900.00} XXXX XXXX XXXX  {$45000.00} Inquiries XXXX XXXX XXXX XXXXXXXX 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 got an inquiry alert that someone applied for a line of credit from XXXX XXXX bank on XX/XX/2024. I did not do this. I reached out to the bank for clarification, and they confirmed and then cancelled the application. They advised me to reach out to all three credit bureaus and report it.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable. 

Violations of Federal Law 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation.

2.Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law. 
3.Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights. 

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : Cushman v. TransUnion Corp. ( 1997 ) : Reinforced your obligation to conduct meaningful investigations beyond relying on furnishers data.

Dennis v. BEH-1, LLC ( 2002 ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers.

Ramirez v. TransUnion LLC ( 2021 ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages. 

Demand for Immediate Action I demand the following actions, without delay : 1.Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions. 
2.Provide a comprehensive written explanation detailing your investigation process and results.

3.Permanently remove or block all inaccurate information associated with my identity theft. 

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o. 

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$5500.00} ; XXXXXXXX XXXX XXXX. XXXX Balance : {$0.00}
Product: Credit reporting

I am writing to dispute the following information in my file. The items I dispute also I have the attached copy of the credit report I received. Such as credit account, judgment, etc. ) Is ( inaccurate and incomplete ) I am requesting that the item be remove corrected. 
Please reinvestigate this ( these ) matter ( s ) and ( delete ) the disputed item ( s ) as soon as possible. And with another note the Telephone number and address of the account is incorrect those not exist there none information at all from this corporation. 

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

On XX/XX/2020 I have disputed a bankruptcy that Lexis Nexis is reporting that they verified first hand from the XXXX District Court. I have attached documentation from the XXXX Court that they Do not report to any third party agencies. I have also disputed the bankruptcy information that XXXX, XXXX and XXXX is reporting as the information was verified by Lexis Nexis.
Product: Mortgage

Mortgage is escrowed and they failed to pay the property taxes on time and i received delinquent notice letter from the county, so i decided to pay it and ask the mortgage company to reimburse me. XXXX XXXX charged {$110.00} in late interest and fees that the mortgage company has NOT reimbursed me for and should not send this from my escrow account since this is their fault, not mine. They only sent me an escrow check of {$2500.00}, which wasn't even the full amount i paid but they decided to do an escrow analysis for it. Amerihome is responsible for reimbursing me the {$110.00}, but NOT from my escrow account. This has been a nightmare to get them toe ven reimburse me any portion of my escrow account, when this was their mistake to begin with. See attached letter and property tax payment information showing that I paid the taxes to the county in full, including the {$110.00} in interest/fees. That is the amount i am asking to be reimbursed.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written structions under 15 USCS 1666b a creditor ay not treat a payment on a credit card scount under an open end consumer credit as late for any purpose
Product: Debt collection

I XXXX XXXX file this notice with the Consumer Financial Protection Bureau as a measure to request a federal consumer advocacy agency to oversee a collection matter I believe to be unfair and technically illegal. I have attached a copy of a XXXX XXXX, 2016 letter whereas I stipulated the legal requirements on any vehicle repossession. I would agree to settle this matter with certified funds of {$1000.00} if Credit Acceptance would essentially communicate with me. They have not answered my letters and I believe that my offer is more than reasonable under the circumstances. However, I am 100 % in the right on the requirements on any vehicle repossession. That is a violation under New York State collection guidelines and the national Fair Debt Collection Practices Act. Accordingly, I offer {$1000.00} certified funds to resolve this matter in the best interest of both parties, and I request that settlement offer in written form as soon as possible.
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. 

XXXX XXXX XXXXXXXX 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 : It also states a consumer reporting agency can not furnish a 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander XXXX has a lawsuit that was settled I fit the time and criteria for the settlement. I have tried countless times to contact Santander foe this matter and no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Three times I have been denied credit because the company can not contact me at an old phone number. Both times I have had Experian remove the number and they say they did but it keeps happening. This is the third time and I'm incredibly frustrated.
Product: Debt collection

This particular company contacted my daughter and husband by finding their number on XXXX, they also contacted one of my XXXX friends. Stated that they were calling for XXXX XXXX and she needs to contact them right away regarding a debt matter. The company is called Regional Recovery Services, XXXX XXXX XXXX, XXXX NY, XXXX. I have both voicemail messages.
Product: Checking or savings account

On XX/XX/XXXX my NFCU bank account had an authorized online transaction of {$5000.00} to an unknown and unauthorized account. I was informed by my bank that this transfer was sent from a device in XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I have been living in XXXX for the past 30 years and the last time I, or my husband was in the U.S. was in XXXX I mention my husband because we share devices as well as all our bank accounts, passwords etc. NFCU states that my husband ( of XXXX years and XXXX children ) should not have access to my account because it is not a joint account. I assume that this is their reason for denial. This is not a cause for denial if a proper investigation was done. I have the right to request information concerning the investigation and how they arrived to this conclusion, which has not been given. 
When I reported the fraud to my account in XXXX, I was told by the person from the fraud department that it was evident that my account had been compromised and that I would receive the amount in 10 days. There should be a phone recording. 
Apparently all my information on the account was changed to a fake email, name and telephone number. I was not alerted of this transaction because the email was replaced with an unknown one. How they got access to my information, security phrase and password makes me believe that a data breach occurred. I will send an appeal although NFCU informed me that it was useless. I kindly request any information and assistance that you can offer in order to resolve this issue. Thank you.
Product: Credit reporting or other personal consumer reports

Early Warning Services has refused to provide me with a webpage that allows a consumer to request a security freeze, in violation of the Fair Credit Reporting Act 605A that says : A consumer reporting agency shall establish a webpage that ( i ) allows a consumer to request a security freeze ; Fair Credit Reporting Act 605A also says, You have a right to place a security freeze on your credit report, which will prohibit a consumer reporting agency from releasing information in your credit report without your express authorization. '' There is no exemption in the Fair Credit Reporting Act that exempts Early Warning Services from this federal requirement.
Product: Checking or savings account

I attempted to start a savings account with Barclays bank. They emailed me saying they need a front/back copy of drivers license, social security card, and proof of address. That took place on XXXX. it is now XXXX and still nothing has been done. They've also received {$20.00} to open the account and I had to provide my Banking routing and account number in order to do so. I've called and emailed multiple times and they will not respond back or open the account.
Product: Credit card

I am writing to formally file a complaint regarding Affirm, a financial services company, for its failure to honor a previously agreed on a lifetime of my loans 6 % APR for my loans. On XX/XX/year> I received a message stating I didn't qualify for the SCRA Benefits, however, they have reduced the interest at rate to 6 % for the entire life of loans as a courtesy outside the standard protection under the SCRA. I have made multiple attempts to resolve this matter directly with Affirm, including escalating the issue to their customer service representatives, and affirm refuses to honor the lifetime 6 % APR agreement. I have received their explanantion, said it was a mistake, sent me their SCRA explanantion. In the messages, it was clear I didnt qualify however they did a lifetime courtesy 6 %. 
I respectfully request the CFPB to investigate this matter and require Affirm to fullfill their statement and not call it a " mistake '' their failure to honor the agreed upon terms is unethical and damaging to consumer trust. I understand the SCRA benefits, and I appreciate the loans they applied it too, but they are not following the " rules '' very contradicting.
Product: Credit reporting or other personal consumer reports

There are 3 items on my credit report that are not mine. I did not open accounts with XXXX. ive never had an XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus assured me my account was accurately investigated. I find this hard to believe because the accounts are still reporting inaccurately. The open date is still inaccurate, The date last active is inaccurate, and the date last reported is not correct. What was the process used in the investigation into the validity of so-called accounts? I also requested an address update that's and to delete outdated addresses to no avail. This is grounds for removal. They also violated my rights under : 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 A. Also, the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # and company name XXXX XXXX XXXX : tracking # XXXX XXXX XXXX XXXX XXXX dated : XXXX/2022 XXXX. XXXX XXXX XXXX : tracking # XXXX XXXX XXXX XXXX XXXX dated : XXXX/XXXX/2022 XXXX. XXXX XXXX XXXX : tracking # XXXX XXXX XXXX XXXX XXXX dated : XXXX/XXXX/2022 XXXX. EQUIFAX : tracking # - XXXX XXXX XXXX XXXX XXXX dated XXXX/XXXX/2022 XXXX. XXXX XXXX : tracking # XXXX XXXX XXXX XXXX XXXX dated XXXX/XXXX/2022 XXXX. XXXX XXXX : tracking # XXXX XXXX XXXX XXXX XXXX dated XXXX/XXXX/2022 XXXX. XXXX XXXX  : XXXX : dated XXXX/XXXX/2022 and XXXX : dated XXXX/XXXX/2022 ITS THE DUTY OF THE CREDIT BUREAU to report 100 % accurate information or to give a cure. I do not wish to be part of any fraud
Product: Credit reporting or other personal consumer reports

inaccurate information that 1. I did not authorize to be taken and 2. were shared without my consent!! per the privacy act of 1974, and 15 USC CODE 1681.