23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I traveled to XXXX  on XX/XX/XXXX, stopped at a gas station for gas, and used my Bank of America credit card. On the way home I stopped to buy food, while I was going to pay I noticed that my Bank of America credit card was not with me. I called the credit card immediately to report it missing. They asked me if I recognized a charge of {$980.00} dollars that was recent on my card and I explained that I only use my card to buy gasoline. They said they would open a fraud claim and perform an investigation. I didnt heard from Bank Of American for over a month and I went to my account on XX/XX/XXXX and saw the {$980.00} charges again on my account with a message saying " case # XXXX closed ''. I called fraud customer service again and I was told that they they wouldn't accept my claim because I've shopped at that store many times before, I used my pin, I signed while paying, and I authorized someone to use my credit card. I explained to them that I didn't even know what store was because I was not informed of the store name and what merchandise they bought with my card, because Bank of America never notified me about it and that I only used my card to put gas in my car and I went home, which is 3 hours from XXXX XXXX. I requested the lady a proofs of all the accusations she was doing to me. She told me that they were going to reopen the case. They ignored my claim again and left the charges on my account. Approximately the second week of XXXX I called again and they told me that they closed the case again and that they were going to reopen it to investigate again. On XX/XX/XXXX I got the first letter from Bank of America with my claim denied, and saying they already reported me to XXXX, XXXX, XXXX, XXXX and giving me the same excuses they gave me over the phone. They never sent me the proofs I requested of the accusations that they made me that I had previously bought in that store, they never explained to me what store it was so I could discuss with the person about that fraudulent charge and they never told me what they bought with me card. It is not fair that I have to pay for being a victim of fraud as it happens to millions of people in this country.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : 1 have the right to privacy and I did not give Equifax written permission to furnish these accounts listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Subject : Cease and Desist Demand and Immediate Removal of Fraudulent Account Dear Sir or Madam, I am writing to demand that I.C. System, Inc. immediately cease all collection activities and remove the fraudulent account from my credit reports. This account is inaccurately attributed to me and is causing significant harm to my credit standing. 

I filed an Identity Theft Report with the Federal Trade Commission ( FTC ), confirming that this account is a result of identity theft. According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, upon receipt of an identity theft report, a business is required to cease reporting fraudulent information to consumer reporting agencies. Additionally, the Consumer Financial Protection Bureau ( CFPB ) mandates that debt collectors must respond to consumer disputes and requests for validation in a timely manner. 

Despite my previous attempts to contact you via mail, both of my cease and desist letters were returned unopened. This lack of response is unacceptable and does not absolve you of your legal obligations. Furthermore, the discrepancies in the addresses reported to various credit bureaus and the inconsistent dates associated with this account further substantiate the fraudulent nature of this claim. 

Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 12 CFR 1006.14 ( h ) ( 1 ), consumers have the right to request that debt collectors cease communication through specific mediums. Your failure to acknowledge and respond to my previous communications violates these provisions.

I hereby demand that I.C. System, Inc. Cease all collection activities related to the fraudulent account immediately. Remove any information pertaining to this fraudulent account from all consumer reporting agencies to which you have reported. Provide written confirmation within 15 days that the above actions have been taken. Failure to comply with these demands will result in further action to enforce my rights under the FCRA and FDCPA, including filing complaints with the FTC, CFPB, and considering legal action.
Product: Debt collection

XXXX closed their business in XXXX, but I had made attempts paying my payments on time for 15 years on a XXXX limit account. My account was in good standing for 15 years - never late. Between XXXX and XXXX, I was told that my payments were not to be made at store any longer - even when pleading with manager to save on stamps to mail payments. I told them that when making payment to XXXX processing center - my payment was not received and in XXXX told that they received all my payments and that my account was going to be placed as paid in full. At some point in time, Midland Service took over the account and claimed that I owed 900 dollars on an account paid in full. I requested to be given all my account information they had in file - but they repeated the information I had told them about being in good standing for 15 years and that I owed XXXX bank a balance unpaid. I did not agree with them and told them they were mistake, but they kept insisting that I sent them my information to clear their records. I never ever had an account with Midland Service or made any agreements with them, but they have have not complied to my requests since they created their fictitious amount in XXXX. Please investigate this company and have them remove their account from my credit report and any associations with me.
Product: Credit reporting or other personal consumer reports

XX/XX/year> - XXXX XXXX This item is incorrectly reporting on my credit report. I was involved in XXXX XXXX and all account are inaccurately reporting.
Product: Checking or savings account

I have been overdrawn at TCF bank for a day and a half. They have charged me a total of {$380.00} in fees. The majority of which are for transactions that were made and pending before I became overdrawn. I called to complain and they would only credit back {$120.00} of the fees. I had only two transactions that caused me to be overdrawn. The original one that put me over and one automated payment that went through after that. By there own fee schedule that should total {$130.00} in fees ( {$28.00} for each day overdrawn and {$37.00} for each NSF ) Instead they have charged me {$380.00}. I see there is a lawsuit against them for these types of predatory fees. Please help me to get my stolen money back from them. This bank should not be able to get away with this.
Product: Credit card

I called Discover Credit Card about my credit card and fraud charges. I disputes the charges but the charges were return by the fraud investigator. I called and ask to speak with a Supervisor and XXXX XXXX XXXX XXXX was very rude and unhelpful regarding resolving my disputes with my credit card. She had no customer services skills to help me and was disrespectful and told me some will call me in 72hrs. 

XXXX stated my charges were reversed and not upheld because they are common at the same stores and because I still made payments on my account when there was fraud charges. 

The town XXXX XXXX  I stay in is only 10 miles radius in whole. 

I should not held liable for charges I did not make. This is wrong and its not right that Discover treats it customers this way. 

I have called Discover Fraud Investigation several times and still have not been helped.
Product: Debt collection

On the date of XX/XX/, this company opened a collection. 

Account # XXXX {$1800.00} that I owe. 

I have never signed any written document saying I owe this debt to this company. 

They're violating my right of FCRA as a consumer. 

I do not know who they are and have not received written consent from my end. 

Also, they have not verified that I owe this debt to the alleged company. 
Please have this removed from all three credit bureaus. 


XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is really frustrating, I have recently checked my credit report and found inaccurate information which turns out it is negatively impacting my score and my life in general due to your negligence, this has been already deleted by both XXXX and XXXX and blocked from reporting yet you continue to put this erroneous information on my credit which is really insulting and a blatant violation of my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

*THIS IS NOT MY ACCOUNT! I DID NOT AUTHORIZE THIS ACCOUNT TO BE OPEN UNDER MY NAME! 

I was a victim of theft in XX/XX/2021. My purse was stolen with all my identifications in it. I made a police report in XXXX XXXXXXXX XXXX ( case # XXXX ) I have been trying to purchase a home for my family and this is causing my denial for a loan. I have disputed with all XXXX credit bureaus and the company itself. I spoke to XXXX ( XXXX ) and they have no record and they advised me to request the credit bureaus to remove it from my report. No one has taking the time to fix the credit error. This account does not belong to me. I have also sent them a copy of all the different information reporting on the same account with each credit bureau I even sent a 609 letter because I know this is not mine. They have not provided any proof nor removed it. XXXX ( XXXX ) also said they can't find anything on this account. Please help
Product: Credit card or prepaid card

American Express was advertising a 0 % introductory rate for 15 months for their Cash Magnet card at the time of my application ( XXXXXXXX XXXX 2022 ). This promotional offer is still active and a screenshot from their website advertising it is attached. I decided to apply for this card in part due to their promotional offer despite many other cards through other financial institutions having similar offers. I began noticing that there were interest charges being charged on the account and I reached out to American Express to get answers. I called and was told that this issue " will be looked into '' and to wait 2-3 weeks and someone from American Express will reach out to me. After about a month of not hearing anything I call again and am told again " we will look into it ''. All the while interest is accruing. I have been charged a total of {$1100.00} in interest charges since opening this account in XXXXXXXX XXXX  2022 on a " 0 % intro APR on purchases and balance transfers for 15 months '' promotional offer.
Product: Mortgage

I received a letter from XXXX XXXX at 5th 3rd but I am unsure what it is a response to and is very confusing to me. It seems to be a threat about our rebuilding our home and mentions a home we no longer had a contract for. It is all confusing and I do not knw what to do or who to contact since I am not allowed to contact the bank due to criminal complaint. I also can not log into any bank account or insurance account or anything to do with XXXX or the claims funds. I have not been able to log in for a very long time and am unable to submit documents until the criminal complaint has been removed. I do not want to lose my home due to 5th 3rds discrimination due to my XXXX. I have asked for access but the XXXX says I can not contact the bank. I have no place to submit documents except here and the documents they request are too large to file here.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its been over thirty days, and the creditor has not updated the information nor has provided proof or documentation in regards to a late payment. They have not supplied this information and they must delete this alleged late payment on my credit report. Under federal law they had thirty days to complete the investigation, and by failing to do so the item must be deleted as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX -LATE PAYMENT ON XX/XX/2022 XXXX
Product: Debt collection

I received a text message from Harris & harris for debt collector for XXXX XXXX which i dont recognize, i try to call them but no answer at the first time and try to call them at second time and no one can give me a correct answer. I tell them on the phone not to call me again. Then i receive other text message from XXXX and XXXX at XXXX XXXX  to tell me i still own them for XXXX XXXX I am being very confused because i tell them not to contact me in any way.
Product: Debt collection

I received calls from the same person at both XXXX XXXX and XXXX XXXX stating that a friend of mine has financial fraud action pending against her, and she left my number as a reference. After the XXXX message, I called my friend and left her a message repeating the charges and phone number. Then I called the above number and left a message stating that I called my friend and gave her the information ... I stated my full name and personal cell phone number and commanded that she do not call my number again. A few days later, I received a message from my friend stating she called the number and made arrangements to pick up the payments. However, I received another call afterwards from the XXXX number asking directly for my friend by name claiming that my friend returned her call from my number. Yet when I tried to tell this person she did not call from my number, she insisted that she did ... this harasser threatened every time that she called that she was going to send the allegations forward ... I told her to send it forward and that I contacted my friend and gave her the information but I was not giving her number ; now it 's between the XXXX of them and if she calls my number again, I was going to report her for harassment. Yet today, this same person called again asking to speak to my friend by name. When I tried to tell her that my friend called her from a different number, she claimed I did n't know what I was talking about and again, threatened to send the allegations forward. Throughout all of this, my friend insists that she spoke to someone and made arrangements to pay. I just spoke to her again today. I 've had enough of this person harassing me personally for a debt I do not owe. There were somewhere between 10 to 15 calls this month alone. I pray that this complaint with stop the harassment calls.
Product: Debt collection

XXXX XXXX from this agency called to collect an amount that he claims I owed to a prior landlord. This amount is in dispute. The landlord engaged in deceptive business practices and violated the XXXX XXXX XXXX by failing to provide services such as running water. XXXX XXXX repeatedly attempted to question me after I requested that he stop asking me questions. He threatened me with negative action against my credit rating and implied that other bad things would happen to me and my credit. Again, I told him that I was in a legal dispute with his client, but that did not keep him from harassing me with additional questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call or email several weeks ago about a loan promotion. I didn't inquire right away until several weeks later. So I called to find out the promotion she explained it over the telephone and I made an appointment to go in and apply and take income verification documents the next day.

I called to cancel my appointment that I didn't want to apply for the promotion.

I then get an alert from XXXX that a hard inquiry was made on my account. I couldn't think where that hard inquiry came from at first.

I checked my credit report to see and it was that loan company. I called and spoke to the manager and asked did she pull my credit report without my permission and she said it was a soft pull that her company could do.

I told her I was looking at my report and I haven't had a hard pull since XX/XX/XXXX and now I see one on XX/XX/XXXX from her company. I told her I did not authorize her to make a hard inquiry on my credit report.

I only made an appointment to come in to apply for the loan and bring in the documents required to apply for the loan.

She told me she would delete the inquiry but I checked my credit report this morning and it has not been deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion credit agency continues to report XXXX being owed to XXXX XXXX XXXX which was purchased from original creditor XXXX XXXX. This has been removed from the other two credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, Equifax received an initial certified letter from me, disputing and requesting verification of various accounts reported by Equifax on my personal credit file ; the verification request included my social security information, as well as the accounts and account numbers in question. 

On XX/XX/2019, I received via regular mail a copy of my credit file dated XX/XX/2019. In their reply, Equifax has stated they have " verified the accounts '', and that they " have updated '' and/or " modified '' various fields within each account in question. 

On XX/XX/2019, Equifax received a follow-up certified letter from me requesting again to provide their method of verification of each account listed on the initial dispute letter. 

On XX/XX/2019, I received a response from Equifax sent via a regular mail, which included a copy of my credit file dated XX/XX/2019 which states similar information as their earlier reply which says they have " verified the accounts '', and the " have updated '' and/or " modified '' various fields within each account in question. 

Equifax has refused to provide their Method of Verification for the accounts listed in the dispute letter according to the FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) which states : " if requested by the consumer, a description of the procedure used to determine the accuracy of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of the information contacted in connection with such information, and the telephone number of such furnisher, if reasonably available. '' FCRA 611 ( a ) ( 7 ), which is used for such a request, states : " A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. '' As stated above, Equifax received certified mail from me on Thursday, XX/XX/2019 at XXXX, but did not reply within the timeframe set forth in the above mentioned paragraph. Therefore, all items referenced in my initial dispute must be deleted from my credit file.
Product: Checking or savings account

Deposited a {$1400.00} check from my school on XX/XX/XXXX. The bank made {$220.00} immediately available after the deposit and claimed the rest would be available the following Business Day. I went to a store and made a purchase then took a cab home. A couple hours after I got home the bank withdrew all of the {$220.00} plus the money I had in my account before the check was deposited sending me into overdraft. The bank then said after me calling them 10 times that I had been lied to and it was 7 Days because of the check amount. They're trying to refer to the United States Federal Reserve 's Expedited Funds Availability Act of XXXX amended in XXXX to clarify wording. The act states the check most be not less than {$5000.00}, the issuing bank must declare doubtful collectability and notification of such provided, balance of account low or overdrawn, new account ( Mines a year old ), check is posted, or the check is 6 months old or older. None of those apply so they are subject to a maximum of a two day hold under the act not 7.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX XXXXXXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX || Date of inquiry : XX/XX/2023 - XXXX || Date of inquiry : XX/XX/2023 - XXXX || Date of inquiry : XX/XX/2023 - XXXX XXXX || Date of inquiry : XX/XX/2023XX/XX/year>
Product: Debt collection

i have now received 2 calls from a " XXXX XXXX '' ( sp ) from a number I 've determined to be " Premier Portfolio Group '' who says they have " documentation '' in their office " pertaining to my name and social security number ''. They ask me to call back on a totally different number of XXXX. There are numerous reports of Premier Portfolio Group claiming to have payday loan debts and threatening action - I have called the only place I have ever had a payday loan and confirmed i have nothing outstanding and the last loan i 'd ever had was closed in good order in 2012 and confirmed there have not been any checks presented in my name. I have no outstanding bad debts or negative reports on my credit. They have also called a close friend of mine repeating the same information that they " have documentation in their office '' and i have no idea how they would ever have his number or why they 'd call someone else.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properiy investigaie my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

XXXX XXXX on XXXX has hired RDAC to attempt to collect a debt in the wrong amount. Pecan creek filed for my eviction in XX/XX/XXXX. The court case was XX/XX/XXXX where the judge filed in my favor. The same day XX/XX/XXXX the property manager came to my unit and gave me another eviction notice for XX/XX/XXXX. It was not the month of XXXX. and my XXXX rent was not late at that time. I was not in the dwelling after XXXX and have a lease to prove that i was not living at that address due to the notice to vacate. There are a list of charges that should not be there including legal fees ( judge ruled in my favor ) late fees as i was not in the dwelling, reletting fees, and more.
Product: Payday loan, title loan, personal loan, or advance loan

In XXXX I revoked my authorization for XXXX Advance to withdraw money from my checking account both via ACH as well as Debit card. They acknowledged receipt of my instruction, however on XX/XX/year> they withdrew {$250.00} from my checking account via my debit card without my explicit authorization, as well as while my ACH revocation was in effect.