23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Hello, I reviewed my consumer reports and noticed that I had a Charge Off account from XXXX  XXXX XXXX Account number : XXXX Reported XX/XX/2022 on my Experian consumer report. Consumer Reporting Agencies have : assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy.The IRS Clearly defines a Charge Off as Gross or Ordinary income, Income does not get reported on the consumer report. Which in fact makes the reporting of this account inaccurate.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information Prohibition ( A ) Reporting information with actual knowledge of errors 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.

Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact.

Prohibition : a law or regulation forbidding something As Defined by The IRS.

Late Payments Also the Consumer Reporting agency is reporting Late Payments on this account. Late payments are illegal.

15 USC 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; My Transactions or experiences with your company by law are excluded from my consumer I need this transaction or experience deleted from my consumer report.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : 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 XXXXXX/XX/XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights . Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Checking or savings account

We deposited a check on XX/XX/year>XXXX  for {$3600.00}. We were told the funds would be available XX/XX/year>. They werent available on XX/XX/year> so we contacted the bank. We were told it was set to be available on XX/XX/year> but they would work on expediting it and the funds should be available within 2 to 3 hours. Seven hours later we called in and they had placed an extended hold on the check until XX/XX/year>. We asked why and after several phone conversations were told that XXXX said they couldnt verify the check. We then reached out to XXXX  who said there was an error with them verifying the check through the automated system but provided us a number for citizens to call to verify the check. We called citizens bank back and provided the number that XXXX  had given us. We were placed on hold with citizens bank and then they came back and told us that actually the check was placed on hold for a verification issue. We then spoke to a supervisor who advised, that the real issue is that the check looked to be endorsed by XXXX XXXX XXXX ( the same bank that wrote the check ). Citizens advised that they are refusing to call XXXX  to verify they never cashed the check and that they are not taking any additional steps to resolve this and they are just waiting for citizens to receive the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted TransUnion to let them know two accounts had been opened in my name and the person attempted to get a car in my name on several different dates. The representative said she could only address the items from the last 6 months which that is not right. I feel that because there were so many she didn't want to help me. I should not have to keep inquires on my credit report that I did not do & this is against the law. Your credit report is only supposed to have things that you have done not anything that has been added as a result of fraud. The inquires for XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ), XXXX XXXX XXXX XX/XX/XXXX ), XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX, XXXX XXXX XX/XX/XXXX ), XXXX XXXX XXXX XXXX XX/XX/XXXX ), XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX. Some one just kept attempting to get approved from different places for a car in my name. I did not do this and this information is not being reported accurately as it says you should by the law. Please delete all the items that I have listed above. 




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Product: Debt collection

TSI sent an invoice ( received XXXX XX/XX/2022, reference number XXXX ) in an attempt to collect {$17.00} l that is allegedly from XXXX. 

I do not do business with XXXX. XXXX customer service was not able to assist, and TSI does not answer their phones while their online portal throws an error and directs you to call their phone.

This is the second time Ive received a fraudulent charge from TSI. I am not responsible for this debt.
Product: Debt collection

I open an account with the company call XXXX  and I follow all the instructions from entering all the information required, even my debit card number from my personal account and the other one from my business account. I transfer the money to there platform without investing in any cryptocurrency or stock first transfer total amount of XXXX $ is on XXXX XXXX and the second transfer is on XX/XX/XXXX XXXX total amount of XXXX $ and third transfer is on XXXX XXXX total amount of XXXX $ fourth transfer is on XXXX XXXX total amount of XXXX $ that is total transfer of XXXX just for your information i didn't invest in any stock that was just transfer to XXXX  account and when I don't wan na hold the money in there account they return me only XXXX $ and XXXX $ total of XXXX $ in the end they scam me on XXXX $ after that they do unauthorized charge from my business account of XXXX $ XXXX file it as fraud true my XXXX bank my bank did there investigation and they reverse me the money to my account as fraud now XXXX send me to the collection TRANSWORLD SYSTEM INC saying that i have to pay XXXX dollar i do have all the proof and all the transaction from my personal account and from my business account. all the proof and the the reversal money that my bank clam it as fraud is in the document joint plz help me with this situation. i was planning to buy a house next year now this company scam me and ruin my credit report by sending me to the collection
Product: Credit reporting or other personal consumer reports

I HAVE BECOME A VICTIM OF IDENTITY THEFT. RECENTLY CHECKED MY CREDIT REPORT, AND I NOTICED NUMEROUS FRAUDULENT ACCOUNTS, INQUIRIES, AND ADDRESSES CREATED BY AN UNKNOWN PERSON USING MY IDENTITY, WITHOUT MY AUTHORIZATION OR KNOWLEDGE. MY PURSE CONTAINING MY, ID, DRIVER LICENSE, AND SS CARD WERE STOLEN XX/XX/XXXX XXXX XXXX  DURING MY CEREMONY CELEBRATION AT MY HOME AND NEVER RECOVERED .THESE TRANSACTIONS ARE THE RESULT OF IDENTITY THEFT, AND ARE UNRELATED TO ANY TRANSACTIONS MADE BY MYSELF. I AM NOT ERRONEOUSLY REQUESTING A BLOCK, NOR HAVE I ACQUIRED GOODS, SERVICES OR MONEY AS A RESULT OF THE TRANSACTIONS IDENTIFIED IN THIS IDENTITY THEFT REPORT. 

XXXX FRAUDULENT ACCOUNTS RESULTING FROM IDENTITY THEFT XXXX XXXX XXXX \ XXXX XXXX XXXX XX/XX/XXXX {$2300.00} XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$6000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$11000.00} TRANSUNION FRAUDULENT ACCOUNTS RESULTING FROM IDENTITY THEFT XXXX XXXX XXXX  \ XXXX XXXX XXXX XX/XX/XXXX {$2300.00} XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$6000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$11000.00} ADDRESSES RESULTING FROM IDENTITY THEFT XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX CA XXXX
Product: Checking or savings account

As of XXXX the XXXX to 2024 today I just found out someone was receiving survivor benefits with my social security number and I didn't find out about it until I got home line and changed the direct deposit information on the SSA website to come to my account just to see if it really was true in it payment showed up today
Product: Money transfer, virtual currency, or money service

While using Zelle, you could possibly send money to the wrong company or person. Zelle at one point claimed they could not do anything about this. Now they have a warning message asking if the person or company you are sending money to is correct. That should have been the case since the opening of Zelle.
Product: Checking or savings account

This is in regards to case # XXXX, XX/XX/2018 I sent complaint to Bank Of America through CFPB, received phone call from Bank Of America Regulartory Complaints team, On XX/XX/XXXX, received another phone call from Bank Of America Regulatory explained to me everything regarding my claims I had opened with Bank Of America, I also received via email a copy of everything we spoke about. From the conversation and letters I received I was thinking everything is solved as stated, however XX/XX/XXXX, I received a letter stating my claims was now resolved as of XX/XX/XXXX, however I called claims to tell them my claims was resolved back in XXXX. I was ask where did I received this letter from and to fax it over to the claims department, which I did on XXXX XXXX, XX/XX/XXXX, received another letter saying that my claim was resolved and the temporary credits for claim # XXXX and claim # XXXX on XX/XX/XXXX, I called again spoke with a lady name XXXX she said she was a supervisor I explained to her the claims was closed in XXXX by Bank Of America Regulatory department she stated that no the claims was never closed and we will be revering the temporary credit in the amount stated for the claims on XX/XX/XXXX, and I cant reopen and don't resend the letters because it won't matter, I told her I will resend the letters stating my temporary credits was permanent. which I did fax over was told they wont be considered the claims is closed as of XX/XX/XXXX, XXXX.I thought the claims been resolved in XXXX when I received the phone call and the letters.I am fighting XXXX and I don't have time to worry about this case because it was closed to my knowledge.
Product: Credit card or prepaid card

Hello. This complaint is against XXXX Bank of America debit card services. On XX/XX/2020 i made a withdraw for XXXX. At this time i noticed my account was XXXX less than it was the previous day. I contacted the number on the back of my XXXX card and had my account suspended, new card issued. The CS agent brought to my attention 2 transactions made at a XXXX XXXX Atms. On XX/XX/XXXX and XX/XX/XXXX. One for XXXX and one for XXXX. I did not make these withdraws. These are fraudulent. I called Monday XX/XX/XXXX and was on the phonr for 12 hours. XXXX to XXXX PST. I spoke with many CS agents and only 2 claims agents. Both claims agents told me they could only issue new cards. They did not handle disputes or fraud claims. I was also given a bogus phone number by an agent saying it was the correct number to call for fraud disputes. At this point, I feel that something strange ia going on in the claims department. Unprofessional. I just want to submit a dispute for my XXXX  that was stolen from me. My question is. How can Bank of America XXXX services get away with this? Refusing to even look at my account withdraws claiming they cant dispute claims in the claim dept?? I also emailed them. And they emailed me back saying they couldnt help me. 
Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I notice an account on my credit report listed as Affirm INC Account number XXXX, I immediately contacted the company provided my information but nothing was found. The represented said they would open an investigation that could take XXXX days. This account was open via identity theft this is not my account and I demand that this account along with the late payment associated be removed. I've contacted the company and XXXX this account needs to be removed due to identity theft. 
Under these laws 15 U.S. Code 1681c2 ( a- - Block of information resulting from identity theft 15 U.S. Code 1681c2 - Block of information resulting from identity theft 15 U.S Code 6802 15 U.S. Code 1666a - Regulation of credit reports In demand that this account is removed
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit file with XXXX, XXXX and XXXX. I found an inaccurate account furnished by Portfolio Recovery. I sent a letter to Portfolio Recovery to have the debt validated and never received a reply. I feel I have exhausted all remedies to solve this matter. The account Im referring to is Portfolio RC XXXX Account # XXXX, XXXX Account # XXXX, Portfolio XXXX Account XXXX XXXX. I have found the following inaccuracies : Account number is inaccurate, Date last verified is inaccurate, Date of last activity is in accurate, Date reported is inaccurate, Closed date no data, Payment status is inaccurate. Is this a collection or a charge off? And Last Payment is inaccurate.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of addresses that I have never lived at before. As a member of the XXXX XXXX I normally stay overseas in XXXX. 
These addresses were used to open accounts in my name : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Enclosed is a copy of a FTC report and a Police report stating the items that were opened in my name. These accounts have resulted in several fraudulent addresses appearing on my consumer FICO credit report. I've attached a list of the addresses in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent addresses. I do not recognize the aforementioned addresses as reported. The aforementioned addresses appearing on my consumer credit report maintained by you were not initiated by me. All of the aforementioned addresses are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned addresses are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX XXXX. I live at XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX XXXX Idaho XXXX. In XXXXXXXX XXXX XXXX  I met a person on XXXX dating, named " XXXX ''. She asked if we could use an app called XXXX and we started Communicating there. She was talking normally for a few daysand then started talking about crypto  investing. I wanted to delete her after that but I ignored the red flag and played along. She was working on me and trying to get me into crypto trading in higher amounts for greater returns. I was still very skeptical but knew the platforms were safe and secure as long as I didn't give her my account log in information nor my send or receive codes, which I never did. She eventually talked me into wiring an initial transfer of money to Coinbase, which is a secure crypto  currency exchange. I knew this and was not worried about transferring my money there. The initial wire transfer was ( XXXX $ ) on XXXX of XXXXXXXX XXXX. She increased the money that I put in there by {$700.00} in only XXXX minutes or so of trading and allayed my concerns of being scammed as I had control of this money when it was in my coinbase account and my coinbase wallet. At the end of the trading day, she guided me through depositing the money into a bitcoin IRA account she led me through the creation of. ( It wasn't known at this time but that IRA platform was fraudulent. ) There were two deposits I made by wire into my coinbase account and those dates were First date of Transaction XX/XX/2022 and Last date of XXXX XX/XX/2022. The total amount of money deposited was $ XXXX then started asking for more and more money to invest in Crypto, and she had already proven herself on smaller amounts ( or so I thought ). I also believed the IRA account was legitimate still so I transferred a total of {$27000.00}. In order to trade it she convinced me that I should end and initiate trading from my fraudulent bitcoin IRA account. After my final deposit I realized that I had been scammed as I tried to reach customer service from the XXXX IRA website and never received a reply. The evidence attached is from my detectives who have traced the funds and helped me file claims to recover the funds from the XXXX different exchanges that ended up receiving the transfers from her account ( see attached XXXX XXXX XXXX ). I will also provide this information on a thumbdrive, per our conversation, and drop it off with the local FBI office for your use in this case when you request it. Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I purchased a XXXX XXXX XXXX for my wife and opened a XXXX XXXX.I then paid the card off which I thought was a balance of {$270.00} which is what the amount showed as owed. I then forgot nothing about it and never used the card. 

Today I did a re-fi of my home and noticed by credit score which is normally over XXXX had dropped, I looked into it and it show XXXX reporting a balance of {$19.00} owed from XXXX of XXXX  and they wrote it off, closed the card and filed on my credit report. 

After talking to XXXX and the XXXX XXXX the issuing card company they told me there was nothing they could do. I told them I never recieved one email saying I had a balance nor that it was do nor that was being written off. They tried to send me an email and I never received it and then went on to tell me they have sent me several emails to which I have recieved one and that was from XXXX of XXXX. 

I'm at a loss on the amount of common sense not being used here to think I would immediately pay off the amount {$270.00} and leave {$19.00} open for a year. I am asking for help getting this stupid waste of all our time off my credit report as XXXX XXXX has to have some responsibility in not emailing nor letting me know I had a card with a balance on it.
Product: Mortgage

I was struggling to pay my mortgage. I have XXXX children and I encountered some difficulty with one of my kids who did not initially want to sign the modification documents. However the issues were resolved and the documents were signed and submitted. I continued to make my payments and did not miss any payment. I was advised that every effort would be made to reinstall the Modification, however I was recently informed that the modification was denied. I would like to keep my home and would like this matter to be resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I removed my payment method in attempts to cancel equifax product premier plan before the next billing cycle. This was the only sufficent method visible to me that was a available when I logged in to cancel this service. I wa billed again on XXXX/XXXX/XXXX. I contacted equifax to ask why and they explained that they save your credit card data for billing, even if you remove it. I request immediate refund and cancellation because I did not want to be charged for this anymore. Equifax refused to refund. They explained I can use service through XXXX for the charge. However, the product is no longer available to me. When I attempt to update my equifax it gives me error because no payment is on file. It states failed.
Product: Checking or savings account

Received a debit card in the mail from Citi bank for a checking account that I had not opened. I assumed it was an advertisement for an account to be opened. The following week I received checks in the mail for the same account. Notified the bank 's fraud department on XX/XX/year>, concerning the account being opened without my knowledge. I was told that it would be placed as in active until an investigation was completed. I have completed and returned all requested paperwork, notified the collection agency and completed a police report. I have since received a final letter stating that all information received validates the information on file used to open the account therefore it would not be closed. I have also frozen my credit files with the credit bureau. My last contact with this bank was XX/XX/year> by telephone. I spoke some in the fraud department and informed the person of my complaint, the responses from the bank after completing request and future plans. I was told that the case would be reopened again for review. I am currently waiting for a response.