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

I received an email from Bank of America asking if I sent {$3500.00} to a person I have never heard of. I responded No. I received additional text from who I thought was Bank of America stating to correct the problem, i needed to transfer {$3500.00} to myself and the money would be stopped from going to person ( XXXX XXXX  ) and would be transfered back into my account. I should have known better, but i had other problems at the time. I did not have a XXXX account and had not heard of XXXX before this date. I was instructed to open the XXXX account with point by point instructions. I sent {$3500.00} to XXXX XXXX on that evening of XX/XX/2022. I received all information from a phone number that appeared on my phone XXXX XXXX, Which I recognized as Bank of America number, After the transaction I called Bank of America on that number and was told that they did not call me for that transation. The operator opened a fraud claim and said I would receive communication about the claim in 10 days. Two weeks later, I received a letter that they were investigating. One month later My claim was denied. the Bank suggester I contact the receiver for a refund, To conclude, 7 on your side in California got BoA to refund the money. Why not me, This has happened to others and I was to believe Resolution E portects coustomers l like me. I tried to accept this loss but I can not. I need to receive help to get my money back. 
Thanking you in advance, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Disputing e-Oscar code - 105 Disputing DATE OF FIRST DELINQUENCY Disputing DATE CLOSED Disputing PAYMENT STATUS Information is INCOMPLETE and does not meet METRO 2 COMPLIANCE STANDARDS. Update or modify ALL information or delete entire account from my profile How is account PAID but in collections? What is SETTLEMENT AMOUNT? 

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

FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$370.00} Status Collection account. {$370.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$700.00} XXXX Account charged off. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting

There is an account on my transunion report that does not belong to me. I have tried to contact the collection agency XXXX whom is reporting this account and the phone numbers are disconnected and the fax numbers are no longer in service. I disputed this account with transunion and the response I got was this account was 'VERIFIED '. XXXX did not verify this account because this company is no longer in business. I asked for the METHOD OF VERIFICATION that transunion used and got no response other than XXXX. There is no way that this account was verified if it is gone out of business. This collection account has ruined my credit score tremendously and I am using CFPB as the last resort before pursuing legal action. XXXX all accounts that do not belong to me. I have disputed these accounts numerous times with transunion as well as the collection agencies for VALIDATION and have not gotten a response in 30 days from the collection agency so I am certain that these XXXX accounts have not been properly verified through transunion. I requested signed paperwork with my signature on it for validation that this account belongs to me and transunion nor the collection agencies verified not validated this fraudulent information. This is my last attempt for this fraudulent accounts to be removed immediately since they have not been validated.
Product: Credit reporting

There are XXXX variations of the spelling of my name which is XXXX ( correct spelling ) there are also XXXX addresses listed in the state of Michigan in XXXX different towns, XXXX in XXXX and XXXX in XXXX that I have never lived in. I am not sure if this is a form of fraud or identity theft, but I would like to do something to get this corrected.
Product: Money transfer, virtual currency, or money service

Theres been several fraudulent transactions on my account. Cashapp has never reinbusrsed me. Also when you report scammer accounts they dont remove them.
Product: Credit reporting, credit repair services, or other personal consumer reports

They told me they couldnt access my account because of a creditor & I have nothing on my report! Just call back and see if you can access it then!
Product: Checking or savings account

On XX/XX/year>, I was charged for a monthly renewal of XXXX on an account that I had cancelled. I disputed the charge because I had cancelled the account and have a confirmation from XXXX that the account is cancelled ; however, the amount was still debited from my account. I provided the confirmation to Charles Schwab in the dispute. Today, XX/XX/year>, I received notification that my dispute ( Dispute Case # XXXX ) was denied and based on the information provided the reason was : " Cardholder authorization transactions for XXXX subscription services. Subscription was activated and billed multiple times with no prior disputes. '' That has no basis into why I chose to pursue the dispute. I disputed the charge because I cancelled the subscription and I sent that confirmation to Charles Schwab. The information that XXXX provided does not dispute that my account was cancelled, in fact it supports that I my account was STILL CHARGED even though I have a cancel confirmation. Though the amount is relatively small, approximately {$38.00}, the fact that the Schwab 's concludes that a subscription service can continue to charge even after both parties confirm the account was cancelled is unacceptable. If this is not rectified, I will be begin the process of moving my finances to another institute as this shows a severe level of care and thorough investigation.
Product: Checking or savings account

I tried to contact the Citi Bank agent responsible for the transfer of funds, but he refuses to respond. I owned a joint account XXXX With XXXX XXXX XXXX. We lived in XXXX New York and have since parted ways. XXXX XXXX of Citi Bank stated in order for XXXX XXXX to use the funds in the account, my name would have to be removed from the account. At a meeting in his Citi Bank office in XXXX, XX/XX/17, he told me this. I protested and he said I could become the benificiary to the account. When I asked If my name could be removed, he said NO! After signing this agreement, I was told by several people that XXXX XXXX could be wrong. I don't think Citi Bank has any such rule concerning removal of a part owner of an account in order for the other owner of the account to have access to the money therein. I also think I was misslead concerning the permanent benificiary statement by XXXX XXXX. 
By New York State law, I am allowed to record meetings mentioned. This I have done and a record of XXXX XXXX 's statements has been documented. 
If this bank transaction is illegal, I think I should be reinstated as part owner of the account, or at least receive a statement from Citi Bank stating I am the sole benificiary.
Product: Money transfer, virtual currency, or money service

On monday XX/XX/16 I attempted to deposit a paper check into my credit karma save account. The next day I received an email it did not go through. I went back to app to try again. The option to deposit a paper check disappeared. I have been calling and emailing all week getting the run around and not one native English speaker. One of the emails claims the terms of service changed and only checks between XXXX and XXXX can be deposited in one day. The check was for XXXX and change so it qualifies but the option is nowhere on the website or app!
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Violation of Credit Reporting Rights Dear Sir/Madam, I am writing to file a formal complaint regarding a violation of my credit reporting rights, which has resulted in inaccurate and misleading information being displayed on my consumer report. This issue pertains to the reporting of transactions on my credit report, specifically regarding the display of balances and payments. I believe this practice is in direct violation of relevant statutes, including 15 U.S.C codes and 16 CFR regulations.

Firstly, according to the Fair Credit Reporting Act, specifically section 623 ( a ) ( 2 ) outlines the requirements for furnishing information to consumer reporting agencies; furthermore mandating that before reporting negative information about a consumer to a consumer reporting agency, the furnisher, as defined in 12 CFR 222.4, must provide written notice to the consumer. The " furnisher '' has not provided such information prior to reporting and is in violation of Privacy Act of 1974.

Secondly, according to 15 U.S.C 1681s-2 ( a ) ( 1 ) ( A ), creditors have a legal obligation to provide accurate information to consumer reporting agencies. Furthermore, 15 U.S.C 1681b ( f ) specifies the permissible purposes for obtaining consumer reports, and any information provided must be accurate and verifiable.

Displaying the balance and payments on a consumer report constitutes reporting transactions, which falls under the purview of the Fair Credit Reporting Act ( FCRA ). As such, it must adhere to the guidelines outlined in relevant statutes and regulations. 16 CFR 660.4 states that when reporting an account to a consumer reporting agency, it must be reported accurately and reflect the consumer 's payment behavior. Specifically, it should be reported as " Paid as agreed ''.

Failure to report transactions accurately not only misrepresents my financial behavior but also violates my rights under the Privacy Act of 1974, which safeguards the confidentiality and accuracy of personal information held by federal agencies. By failing to report the status of my accounts as " Paid as agreed, '' the creditor is providing inaccurate information, which can have detrimental effects on my creditworthiness and financial standing and has. 

Therefore, I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to rectify the inaccuracies on my consumer report, by enforcing these statues put in place to protect us, and update my reports with XXXX, TransUnion and XXXX to " Paid As Agreed ''. I also urge the bureau to ensure that creditors adhere to the provisions outlined in the FCRA and other relevant statutes to prevent similar violations in the future. 

Thank you for your attention to this matter. I look forward to a prompt resolution. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The reporting of the account from XXXX  XXXX ACCT # XXXX ON XXXX XXXX AND ACCT # XXXX  ON XXXXXXXX XXXX {$300.00} LISTED AS CHARGED OFF/ CLOSED. Is affecting me by reporting negatively on my consumer report and disallowing me the ability to use my positive history to obtain stability. This Account was written off discharged and paid. So now it's in VIOLATION OF MY CONSUMER RIGHTS UNDER 15 U.S.C 1681 ( e ) ( b ) and SECTION 604 15 U.S.C 1681b. 
Which also allowed the credit agencies XXXX XXXX, EXPERIAN, AND XXXX TO COMPROMISE MY IDENITITY. I DID NOT UNDER ANY CIRCUMSTANCE GIVE MY PERMISSION FOR THIS ACCOUNT TO BE FURNISHED ON MY CONSUMER REPORT IN THIS MANNER!! WHICH IS ALSO A VIOLATION OF MY RIGHTS UNDER 15 U.S.C. 1681c2. 
I WILL PURSUE THE FULL LENGTHS OFTHE LAW UNDER 15 U.S.C.1611 FOR WILLINGLY AND KNOWING VOLATING THE LAW!
Product: Debt collection

I received harassing voice mails on my cell phone and office phone on XXXX XXXX, 2015. Immediately afterward, I looked up the caller ID and traced it to a debt collection agency. I emailed the customer contact listed on their website with a written cease of communication notice. On XXXX XXXX, 2015, the caller again reached out to me on my cell phone and on my office phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to contact a human at Experian for several weeks to figure out how to correct personal information that is not mine. 
When I get emails from Experian it is addressing me as XXXX ; it also has the last 4 digits of a phone number that is not mine. When I try to log in the site wants to send a code to that number so I can never go any further to get to my account. I'm stuck in a quagmire. 
Credit Bureaus take it upon themselves to dig into a persons ' personal financial history to ensure to creditors that the person applying is credit worthy ... .BUT they can't get their personal information correct and they make it next to impossible to correct it. AND want to charge for a membership. OUTRAGEOUS!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX  XXXXXXXX XXXX  XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing Fraudulent Information on my credit report since XX/XX/XXXX requesting that the Credit Bureaus remove the disputed items completeky from my Credit Report. I have been waiting for their response but up until now, I haven't gotten anything from them. I immediately sent another letter dated XX/XX/XXXX to follow up the previous letters I have been send. Regardless of the previous written request, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXX, TransUnion, and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act section 605b and continued reporting the disputed items without proper verification within the time declared by law, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. I am requesting that the disputed information to be reviewed for completeness and accuracy and appropriateness. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

Due to being a victim of identity theft an unauthorized account with XXXX was opened.
Product: Debt collection

[ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Email Address ] [ Phone Number ] [ Date ] Portfolio Recovery Associates , LLC [ Company Address ] [ City, State, ZIP Code ] RE : Cease and Desist Demand Concerning Alleged Debt CollectionAccount # : XXXX To Whom It May Concern : This letter serves as a formal demand for you to cease and desist all communication and collection activity regarding the alleged debt you claim I owe. This demand is issued pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ).

FDCPA Violation and Legal Precedent Cease all forms of communication with me immediately.

Cease all collection activities immediately.

In Daugherty v. Convergent Outsourcing, 836 F.3d 507 ( 5th Cir. 2016 ), the court held that credit reporting constitutes a form of communication under the FDCPA. As such, reporting a debt to credit bureaus after a consumer has requested cessation of communication may violate 1692c ( c ) and other provisions of the FDCPA. Any such actions by your company will be treated as non-compliance with federal law.

Accuracy of Alleged Debt If you intend to claim this debt is valid, provide the following : Complete account history, including all charges and payments.

Evidence that your company has the legal right to collect this debt.

A copy of the original signed agreement creating this debt.

Potential Legal Action for Failure to Honor Cease and Desist Failure to comply with this demand will result in complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. Additionally, I reserve the right to pursue a lawsuit for violations of the FDCPA, including but not limited to any damages caused by your non-compliance. 

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

4 months on end I have attempted to get these three credit bureaus to erase inquiries from XXXX XXXX that I never initiated. They have turned the Blind Eye to both an FTC report and a cfpb complaint. I was a victim of the Equifax in XXXX and have struggled ever since and repairing what is an ongoing spiral of my credit history and I would appreciate it if this XXXX XXXX paid attention to the fcra and the rules of government. Most importantly 640b in regards to identity theft in the rules surrounding those incidences. Please remove the XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Chexsystems, has violated my rights. 

I have never given written permission for them to have and share any of my information. The following code sections allow me to have all information deleted from my report. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX DOB : XX/XX/XXXX RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, Better Business Bureau, and Federal Trade Commission. 
XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX : Account number : XXXX, Please correct/update this inaccurate informaon on my credit report. To the best of my knowledge, this account has never been paid late. Your reporng is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate informaon immediately. 

XXXX XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. 
I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX XXXX CA XXXX : Account number : Address, The following personal informaon is incorrect. This address is not correct. Delete it immediately from my report. 


Sincerely, XXXX XXXX
Product: Mortgage

We received a trial modification plan which we paid. In XXXX, 2015, our trial modification was converted to a permanent modification. We made our Payments in XXXX and XXXX 2015. On XXXX XXXX, 2015, Statebridge sent us a Notice of Intent to Accelerate our loan, claiming that we were behind {$7700.00}. This is simply not correct. We are current on our mortgage per the modification agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notice on my credit report stating that I have a 30 day late with Helzberg Diamonds. I have not received statements and Ive provided email and phone number as alternative forms of communication. 

I got the opportunity to speak with a representative as well as a supervisor ( calling from XXXX ) and the supervisor mentioned that they call out to clients about missed payments/payments that are close to being considered late. They mentioned that they do not reach out to all clients however. I asked her what criteria would I have to meet to be notified of these events and she mentioned there is none and we are put into a queue in which not everyone is contacted. 

This is clearly not a fair practice and the communication is lacking. I small bill of XXXX dollars which would easily be paid by way of communication dropped my score 95 points.
Product: Credit reporting, credit repair services, or other personal consumer reports

i pulled up my credit and see a late payment being reported by XXXX XXXX and a collection from XXXX XXXX. I called them and are getting the run arrounds. I have never been late with XXXX XXXX at all. i sent letters to the bureaus to send verifiable proof on how they are reporting this this late payment because i was never late and I was in good standing with them, i have the bureaus letter after letter and i have no got no response what so ever. they are ignoring and my request and this is affecting my credit. the same thing with XXXX XXXX. have disputed this more than 5 times over 35 days apart and asked to send me verifable prroof this is my account. i have no contract with XXXX XXXX nor XXXX XXXX. THE BUREAUS HAVE FAILED TO RESPOND TO BE OR SEND ME ANY UPDAED INFORMATION. I HAD TO CALL MY SELF TO REQUEST THIS FROM THE ORGINAL CREDITOR AND WAS TOLD TO TELL THE BUREAUS TO REMOVE IT.
Product: Debt collection

The company XXXX XXXX XXXX Citi Bank ) claims that i had a bank acct connected to credit card. that was impossible i was incarcerated from XXXX XXXX to XX/XX/year> with no access to a bank acct.. XXXX XXXX # XXXX CR XXXX is solid proof of my incarceration with no access to open acct or bank accts. 
Furthermore, XXXX XXXX has violated CFPB ruling on an enforcement order by using a dark pattern to dupe Americans into subscription plans. ( putting unfounded damages onto my credit report.. Lastly this company has never responded to send me a XXXX that I have previously requested. 
Since they claimed this is a charge off acct.