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

I had a bank account with Bank of America in XXXX. I lost my job and was waiting for Social Security to kick back in. I didnt do anything with the account all of a sudden the {$35.00} check ran through but it wasnt a check it was electronic check And I told him I didnt do that they investigated it and said that I did which I didnt they bounced it all the way to {$1500.00}. They lowered it back to {$960.00} I paid it all off I had told them when I paid it off. I wanted it removed from the check system. They said OK but then they didnt remove it. I cant get it a bank account because they put on their suspicious fraud activity. I was the one that reported suspicious cause I didnt recognize the charge and then they put on the other one account abuse see they tried to run it through the try saying it came in through the savings. It never came through. It was all done through checking savings was only used as a savings account. I never did nothing with that except for overdraft stuff.
Product: Debt collection

Portfolio Recovery is trying to collect on a XXXX year old debit, from a traffic ticket, I paid off 5 years ago, and re-acquired my drivers license from the state in question. 

They continue to contact me via calls at my place of employment, during working hours, as well as sending threatening letters to my place of employment. I am about to lose my position with this company, if this harassment does not stop now. They called from : XXXX today XXXX/XXXX/XXXX at XXXX. 

Point in case : " PORTFOLIO RECOVERY ASSOCIATES AKA XXXXGood news, they got slapped hard for XXXX XXXX recently : Also the NY AG slapped them again it seems : ... in new york CFPB fines them for lying : - ... lect-bad-debts/Posted in : I have to wonder why an allegedly legitimate business would need so many phone numbers to call out on? Make sure you read how they just lost an XXXX XXXX dollar lawsuit. Make sure you read how the NY AG spanked them bad on XXXX XXXX, XXXX. XXXX page with XXXX complaints in a government action from the State of New York. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Today is XX/XX/2022 I called Trans Union twice and spoke with XXXX and with XXXX in regards to an investigation. I was told by XXXX that they did not investigate my claim that it was my job to do the investigation and send them the supporting documents to support my claim. I ask the representative XXXX how could she say that the claim was verified, if they did not investigate. I asked her to substantiate what verified means, I asked if they provided a statement, a note or contract signed by me or a transaction history. She stated no they verified my information only, I requested that they immediately remove all XXXX XXXX XXXX XXXX and that they immediately remove every account that is related to XXXX  XXXX from my credit report as they did not properly investigate and validate the debt. I told the i formed her that she stated to me that they did not investigate and it should be removed she hung up on me. I called a second time and spoke with XXXX. XXXX stated that she apologize for XXXX representation on the phone she stated that those items were verified, I ask how were they verified without an investigation and asked what supporting documentation did they receive to substantiate that they have the right to place these items on my report. She stated that they do not receive any transactional history or documentation from the collection agency, That they only verified that what they are reporting is the same thing that the collection agency is claiming without proof. she then told tell me that I needed to provide proof that its not mine, I ask how can I provide proof if theres nothing to prove. I asked was is it legal for them to allow anyone to take your name address and a fictitious number and place it on your account without validating that whats being said is true and that it is associated with the correct person. She stated that she understand what I was saying but they do not investigate. She told me to file a claim with CFPB. I told her I would file against them as well for unethical behavior, she said the call is recorded and I stated that I was recording them she then hung up. I have 2 cases where I called and was told that no investigation is being done for XXXX XXXX XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received communication from Experian, XXXX and XXXX attempting to collect an alleged debt. 
I send a letter to Experian, XXXX and XXXX to cease and decease all communication immediately with a verification of the alleged debt with the following 1. Name and address of Alleged creditor : 2. Name on file of alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? __ No ____Yes 9. Amount Paid if debt was purchased : 10. Commission for debt if collection efforts are successful : * Agreement with your client that grants Experian, XXXX and XXXX the authority to collect this alleged debt. 
* Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector.

* Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor.

* All statements while this account was open.

* Have any insurance claims been made by any creditor regarding this account?

* Yes * No * Have any Judgements been obtained by any creditor regarding this account?

* Yes * No Experian, XXXX and XXXX never responded! 

Further More Experian, XXXX and XXXX Are attempting to collect an alleged debt where the so called original creditor has falsely represent the character other Violations under 15 USC 1692 e that Experian, XXXX and XXXX is implementing it self. 
Violation : 15 USC 1692b ( 5 ) 15 USC 1692 ( 2 ) ( A ) 15 USC 1692e ( 3 ) 15 USC 1692 ( 6 ) ( B ) 15 USC 1692 ( 9 ) 15 USC 1692 ( 10 ) 15 USC 1692 ( 11 ) Furthermore Experian, XXXX and XXXX unlawfully reported a debt to my consumer report in violation of REGULATION F, New Rule effective XXXX XXXX XXXX. Cease reporting this debt immediately or face legal action. Experian, XXXX and XXXX lack permission to include anything on my credit profile ( 15 USC 1681b2 ) and contacting third parties with my personal information is illegal. Your actions amount to Aggravated Identity Theft ( 18 U.S.C. 1028A ), a felony punishable by up to 2 years in prison, in addition to civil liability. 


XXXX XXXX {$450.00} XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX {$450.00} XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX Balance : {$700.00} XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$150.00} XX/XX/XXXX
Product: Debt collection

Initially, a request was made to validate a debt that was on my credit report under compliant number # XXXX however, the company has created another profile and reported it under my credit profile in an attempt to falsify an official record and tradeline/credit account and potentially attempted to sale the tradeline or credit account as a new debt under an new account number XXXX. Several previous attempts we're made to resolve this matter. This accounts were apparently established in XXXX XXXX when I was XXXX in XXXX and XXXX XXXX It has continued too be reported on my credit report for the last XXXX years. I have sent registered mail asking to validate the debt through a final demand which stated, Final demand to immediately remove all illegalTradelines before legal actions proceed under 15 U.S.C. 1681-1681x. Registered mail was finally sent XXXX and XXXX on XXXX XX/XX/XXXX asking to Please remove from all three reporting agencies immediately. In addition, a formal request was made in the form of a formal letter -formally requesting that they validate all tradeline listings submitted to the three major credit reporting agencies by NAVY FEDERAL CR UNION for me under account numbers XXXX and that Due to possible inaccuracies in these credit reports, I demand that they hereby validate the request in the form of a verified statement by a person with original knowledge of the debt, who can testify under oath that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have beenpayable or reported. Please be advised that I am requesting competent evidence that I had some contractual obligation in relation to the tradeline. This is the third and final request to correct, any attempt to subrogate this letter or processes consults malice intent and will be reported as fraudulent and misleading. Within 30 days of this notice, ( no replies were given by competent person ) nor was there any answers to these demands or the associated negative tradelines notations removed from the credit reports. These actions are contraindicate evidence of their intent to abridge one or more civil rights. They have Continued unsubstantiated reporting of possible inaccuracies to third parties which now provide a basis for formal complaints being filed pursuant to federal statute. The time frame as elapsed and i have been adversely and financially impacted with false reporting of tradelines and believe this was also reported as a profit and loss tax deduction. Thank you in advance for your anticipated cooperation. 

The previous accounts numbers were XXXX and now it has been changed to a new account number XXXX that is completely fraudulent.
Product: Credit card

I opened the Citibank Costco credit card for the rewards program. They have 4 reward categories ( 4 %, 3 %, 2 %, 1 % ) for different types of purchases ( gas, restaurants, costco, etc ), however, you can not see how any of your purchases align with the rewards as there is only a lump sum earned for each month visible to the customer. Unlike my XXXX card which itemizes and display the earnings, I find this to be a significant concern so I contacted Citibank to ask for an detailed report to show how the rewards were being accumulated. I was connected with a very rude supervisor ( Mynor # XXXX on XX/XX/year> at XXXX EST ) and told that this isn't available and that there was no process for filing a complaint or to address my concern. This response elevated my concern in light of some recent publications regarding credit card companies inconsistently or inappropriately appling these promised rewards to customers. I don't understand why they are not able to show how they arrived at the reward values and am concerned about the transparency of this rewards program.
Product: Debt collection

Called my phone 6 times a day saying they where going to garnish my wages said thing would only get worse for me from here an wasnt ever going to Amount to XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

XXXX XXXX XXXXXXXX Date Opened : XX/XX/2018 Balance : {$0.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

MY NAME IS XXXX XXXX, I AM SUBMITTING THIS COMPLAINT ON THE BEHALF OF MYSELF. THERE IS NO OTHER COMPANY DISPUTING ON MY BEHALF. PLEASE DO NOT SEND ME AN AUTOMATED RESPONSE! ALL DOCUMENTS WILL BE INCLUDED. 
I did not give expressed written consent to or authorize any third-party consumer reporting agency to furnish data on the following account XXXX XXXX XXXX XXXX XXXXXXXX and I have the right to privacy, please be reminded, no consent is identity theft Please promptly remove this data within 4 business days pursuant to 15 USC 1681-C-2 to avoid any further legal proceedings. Thank you for your timely compliance!
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint against Experian XX/XX/2022, XX/XX/2022, XX/XX/2022 citing Experian due to, myself received a letter from XXXX XX/XX/2022 stating they did find " '' PUBLIC RECORDS '' in 30 day time frame jthat was required of XXXX and removed " PUBLIC RECORDS '' from my XXXX credit report. 
I received a second letter from XXXX XXXX XX/XX/2022 stating they reached out to Experian requesting they remove " PUBLIC RECORDS '' from my credit report. Experian has refused. 
Experian has refused to removed " PUBLIC RECORDS '' stating they ( Experian ) received a report from XXXX " PUBLIC RECORDS '' is to remain the same and it will not be removed. 
Experian has advised myself they ( Experian ) received they " PUBLIC RECORDS '' from XXXX. It's been a back and forth battle with Experian not removing the " PUBLIC RECORDS. ''
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and removal due to inaccurate reporting in my file. 
XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/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
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Relations XXXX. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Formal Dispute of Inaccurate Information on Credit Report Dear XXXX XXXX XXXX am writing to formally dispute inaccurate and misleading information that appears on my credit report. The following accounts contain errors that require immediate correction : XXXX. XXXX XXXX XXXX  Account # : XXXX Reported By : XXXX, XXXX, XXXX Issue : Incorrect reporting as " Collection/Charge-Off '' despite inaccuracies in the reporting process. 
XXXX. XXXX XXXX XXXX Account # : XXXX Reported By : XXXX, XXXX, XXXX Issue : Incorrect foreclosure/repossession status and inconsistent account status between agencies. 
Under the Fair Credit Reporting Act ( FCRA ) [ 15 USC 1681e ( b ) ], consumer reporting agencies are required to ensure maximum possible accuracy in the information they report. The inaccuracies listed above constitute violations of this requirement.

Additionally, I have reason to believe that my private and confidential information was accessed or disclosed without my authorization, in violation of [ 15 USC 1681b ( a ) ( 2 ) ]. Such an infringement violates my right to privacy as established under [ 15 USC 1681 ( a ) ( 4 ) ].

Request for Immediate Action I formally demand the following actions : Immediate investigation and deletion of the inaccurate information.

Written confirmation of these deletions within 30 days, as required by the FCRA.

Cessation of any further reporting of these errors to other credit bureaus or third parties. 
Failure to correct these violations may result in legal action under [ 18 USC 1028A ( a ) ( 1 ) ], which classifies such actions as aggravated identity theft, a felony offense punishable by up to two years of imprisonment. Additionally, I am seeking compensation for damages as follows : Violation of permissible purpose {$1000.00} Defamation of character {$1000.00} Damage to my reputation {$1000.00} Harm to my creditworthiness {$1000.00} Disruption of my financial stability {$1000.00} Violation of my right to privacy {$1000.00} Conclusion I expect your prompt attention to this matter. Please provide a written response to my request within 30 days, as required by law. If you fail to comply, I am prepared to escalate this matter to the appropriate authorities, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies. Attached 2 forms of Identification ID, SSN You may send your written response to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX Thank you for your immediate attention to this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXXXXXX XXXX XXXXXXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Subject : Complaint Against Experian for Violation of the Fair Credit Reporting Act ( FCRA ) Dear CFPB, I am writing to formally submit a complaint against Experian for what I believe to be violations of the Fair Credit Reporting Act ( FCRA ). I have recently discovered that a positive account, which has been in good standing for over a year, was removed from my credit report without my consent or any prior notification. This action has severely impacted my credit score and undermines the accuracy and fairness of credit reporting, as outlined in 15 U.S. Code 1681. 

The FCRA mandates that consumer reporting agencies, such as Experian, must adopt reasonable procedures to ensure the confidentiality, accuracy, and proper utilization of consumer information. The removal of a positive account not only fails to meet these standards but also raises concerns about the integrity of the reporting process. The banking system relies on accurate credit reporting, and Experian 's actions directly impair this reliability, potentially damaging consumers ' financial standing. 

I request that the CFPB investigate this matter to ensure that Experian adheres to the regulations set forth in the FCRA and that my credit report is corrected to reflect accurate and fair information. I appreciate your attention to this serious issue and look forward to your prompt response. 

Thank you for your assistance. 

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

Ive been in contact with affirm for months stating there was a purchase on the account made without my authorization. On XX/XX/22 I received a notification stating that a bill was due totally {$1600.00}. They will not freeze the account and my credit is taking a toll. There was information stating the order was delivered to Delaware where I am not a resident. Ive talk with supervisors that have no authority and changing the balance amount or have helped me to resolve this case. They state that actions go through a fraudulent team which we can not contact. They will not give us any evidence to justify there decision. Im deeply distressed for I cant resolve this issue and can receive no help even after the fact they state If fraud occurs on your account, youre protected. We investigate claims of unauthorized activity, and will make sure youre not held responsible for any purchases we find are not authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

All  XXXX  credit bureaus are susceptible to allowing  XXXX   XXXX  to show incorrect information. I 've tried to tell the credit reporting companies and  XXXX    XXXX   a  million  times, that  XXXX   XXXX  debt was SETTLED less than full for a  XXXX  BALANCE. Yet it still sh ows a BALANCE OWED etc.,  which is not accurate.
Product: Checking or savings account

wells fargo in nj opened a business account without my authorization in early 2015 and also lied about fees not being charged on a wells fargo account i have heard nothing about this. please let me know how i gt part of class action suit NO ONE has contacted me
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo shows a late payment in XX/XX/2018 on my credit reports with all 3 credit reporting agencies. Wells Fargo has provided a letter stating that this payment was not late and that they reported as paid on time XX/XX/2018. Because they reported it correctly they aren't able to submit a change and said I need to dispute with XXXX, XXXX   and XXXX. I have tried with no luck getting the information corrected. This late is causing me to not be able to refinance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit card and was not approved. There are still items on my credit that are not mine, XXXX XXXX XXXX XXXX XXXX. Please remove these from my credit.
Product: Credit card

I purchase paint at XXXX and the quality of the merchandise color doesn't match the surface. I called a started a dispute, and was told that it was goanna be resolved, however is no action from the card company. I sent a third request as the previous disputes has been closed and no reason was given for such. I am disputing {$53.00}.
Product: Checking or savings account

I lost my business and I was not able to pay my business credits cards with Bank of America so the collection agency made deal to reduce the interest rate to XXXX % for 60 months and after XXXX payments {$170.00} and {$480.00} remove late fee and payments but after XXXX months my account still showing late payments my income is my social security so I was not able to transfer money to checking account but Bank of America DEDUCTED XXXX payments from my checking account and now my account {$670.00} overdrawn after calling so many time speaking with supervisors I was told we made mistake I have wait XXXX to XXXX  months to remove late payments that It was not disclosed at time we made deal on XXXX XXXX I need to put back the money to my checking account for not flowing through our deal
Product: Credit card or prepaid card

My card was charged from a vendor in in a foreign country XXXX, for a product that I did not purchase. I informed Chase about the charge and was told the charge is valid, not because they did any investigation, but that the card was used before and after the fraud transaction. 

I would expect Chase to do an investigation, ask the merchant at the very minimum for sales receipt validating the charge, before assuming its valid, Chase did none of that. 

They further failed to furnish any information of their investation, other then to state the charge was valid.
Product: Checking or savings account

Chase Bank won't let me access my account without signing some new agreement that says they're not responsible if money is stolen from my account while on they're watch. Also won't let me access online accounts with signing an agreement that basically gives them the power of attorney over my accounts.