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

I, XXXX XXXX am a victim of identity theft, request removal and deletion of the listed fraudulent accounts on my XXXX and Experian credit report : XXXX XXXX XXXX XXXX, ACCOUNT XXXX OPEN DATE : XX/XX/XXXX, XXXX XXXX XXXX XXXX ACCOUNT XXXX, OPEN DATE : XX/XX/XXXX, XXXX XXXX ACCOUNT XXXX OPEN DATE : XX/XX/XXXX, XXXX, ACCOUNT XXXX, OPEN DATE : XX/XX/XXXX XXXX
Product: Credit reporting

The credit reporting agencies have not removed the XXXX XXXX report from my credit record I open this account in XXXX and I believe it should have been removed in XXXX because of the statue of limitation. We have tried unsuccessfully to remove. This involves all credit reporting agencies and my account number for this is XXXX. Thanks your help is appreciated. 
XXXX
Product: Credit card

I detected an unauthorized {$72.00} charge on my XX/XX/2024 credit card statement, and notified Bank of America ( BoA ) in writing on XX/XX/2024, specifically noting that I had never purchased anything from the merchant and had no way of contacting the merchant. BoA sent a letter acknowledging my dispute on XX/XX/2024. On XX/XX/2024 BoA sent a letter requesting " additional information '' ; however, the additional information BoA requested was already provided in my original dispute letter. I replied to BoA on XX/XX/2024 repeating the information provided in the original dispute letter and insisting that they reverse the fraudulent charge. I never heard from BoA again.
Product: Credit card or prepaid card

I have been a customer of XXXX for years. For normally pay my bill online, and today just noticed I have been charged " Credit Protection '', which I have never agreed to, nor have I known this was something that I have been paying for. I went back to review the last 5 statements and was charged anywhere between 1 dollar to 5 dollars during months that I made no purchases. I am going to continue to look back at my statements as I can see back to XXXX. I want a copy of every statement I have had since I have been a XXXX Card holder ( XXXX ) and want a refund for each of these fees. This is predatory lending, fraud and a scam.
Product: Money transfer, virtual currency, or money service

I am the POA of my dads finances. I wanted to take some money out of his account and put it in a new Capital One account. My dad is currently in a XXXX home. My dads elder care attorney wanted me to write a check for {$8900.00} to put in a new account. I had to write XXXX checks to divide up since Capital One limits to {$5000.00}. They cashed both checks through Capital One mobile app and then placed my account on hold. This was on XXXXXXXX They sent an email on XX/XX/year> that they concluded the final review and that I would get money returned through externally linked account or they would send a check. I called today XX/XX/year> and the person said the account was still on hold and being investigated and did not know when my money would be returned. 
This is frustrating because I did not do anything wrong. I was just following what my dads elder attorney told me to do. I have an excellent credit score. I really need the money back to pay for his monthly XXXX home bill. I tried to talk to a Supervisor, but XXXX, who I talked to said there was not XXXX there. 
Can you please help me? Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert this morning saying that my credit was inquired. I signed in to the website to see that I had several requests on my report. I call in spoke with Rep she told me that its nothing that she could do that would come off in 2 years. I told her why do they say to call if they will not remove whats the purpose of having the app alert you if they can not help. 


the following inquiries I did not request. 
Transunion 1 ) XXXX  XXXX XX/XX/XXXX 2 ) XXXX XXXX  XX/XX/XXXX 3 ) XXXX XXXX  XX/XX/XXXX 4 ) XXXX XXXX  XX/XX/XXXX 5 ) XXXX XXXX  XX/XX/XXXX 6 ) XXXX  XX/XX/XXXX 7 ) XXXX XXXX XX/XX/XXXX 8 ) XXXX XXXX XX/XX/XXXX
Product: Debt collection

A company called Bay Area Credit service has called me on 2 occasions. First from ( XXXX ) XXXX on XX/XX/XXXX XXXX. The second from ( XXXX ) XXXX on XX/XX/XXXX at XXXX XXXX. Then today, XX/XX/XXXX i received a letter listing XXXX XXXX XXXX XXXX as a creditor in the amount of {$1500.00}. 
The day i received the first call i contacted XXXX XXXX XXXX XXXX and verified i hadnt defaulted on any bills. Additionally i have a credit card receipt in the amount of {$1500.00} on XX/XX/XXXX. 
After the second call i explained i had no debts and if they contacted me again i would file a complaint.
Product: Checking or savings account

CITIbank RDI located at XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX, reversed my deposited checks received from Blue Shield insurance. Citibank states that XXXX XXXX placed a stop payment causing my account to reflect XXXX in fees. At the present time I do not have any documentation from my insurance provider stating their actions to reversing credits due back. I need Citibank to correct the error in refunding my deposited checks for XXXX, including overdraft fees for XXXX.
Product: Credit reporting or other personal consumer reports

I have done an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified. the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : -The status of the Portfolio Recovery account is being reported as open XXXX report and being reported as a delinquent or seriously past due and others- please remove this from my credit report immediately It is my belief that the collection company has willfully violated my rights by not maintaining proper practices to ensure accuracy on my credit report -The status of the XXXX XXXX AND XXXX account is being reported as open through Transunion
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN, XXXX AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX  : XXXX -- -> : {$1100.00} XXXX XXXX : XXXX -- -> : {$250.00} XXXX XXXX XXXX XXXX XXXX -- XXXX : {$3600.00} XXXX XXXX XXXX  : XXXX -- > {$2200.00} XXXX XXXX XXXX  : XXXX -- > {$140.00} XXXX XXXX XXXX XXXX  : XXXX -- > {$3100.00}
Product: Debt collection

XXXX police department has not received any request from Midland for the police report they needed to resolve this identity theft in my name. XXXX police report # XXXX is available for them to request to clear this judgment in my name and remove the levy that was placed on my XXXX XXXX account. 


My identity was used to obtain and improperly open a credit one credit card account back 2012. I filed a police report back in XXXX in 2012 in regards to identity theft and my home being broken into during that time.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following inquiries are fraudulent and were not authorized by me XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX NA Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX. 
Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app block Inc due to inadequate customer service and unfair practices, which violate the customer service financial protection act CFPA Specifically cash app failed to take timely and affect the measure to prevent an address fry on their platform, leaving my account, vulnerable and unprotected furthermore Their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fraud transfer act EFTA and regulation E these actions have cause significant inconvenience and financial loss and I see appropriate redress for these violations.
Product: Debt collection

Crediter bills XXXX month in advance I paid bill and terminated services and returned all equipment the day of termination. They 're trying to to get more money it has already been paid
Product: Credit reporting or other personal consumer reports

This is not a mistakeI am formally addressing the false and inaccurate information on my credit report that is unfairly impacting my financial standing. These errors have caused unnecessary stress, frustration, and harm, and despite my efforts to correct them, they remain unresolved. Additionally, banking and reporting errors are further damaging my credit. Under TILA ( 15 U.S. Code 1666 ( b ) ), creditors are required to report payments and credits accurately, yet I have identified multiple issues. Some payments I made were not properly recorded, and there are clear miscalculations in the reported balances. Furthermore, I was not provided with the required XXXX notice before a payment was due, rendering any late payment marks invalid.
Product: Credit card or prepaid card

Subject : Closing of fully current Credit Card account with no notice provided and forfeiting of cash rewards in the amount of USD XXXX. 
Details : I received notice in mail on XX/XX/XXXX that XXXX has closed my Paypal Credit Card account. The reason provided were two missed payments in the last 12 months. In each case the payments had been set to autopay and were returned by the bank due to funds being insufficient to pay the full balance ( funds would have been sufficient to pay the minimum balance by XXXX made no attempt to seek such payment via autopay ). In each case the minimum balance payment was outstanding for only a few days after which I noticed the clerical error and manually paid down the full balance. At the time when XXXX closed my full account I had paid my full balance and was fully current on my account. XXXX 's policy of not giving me any notice period led to me being unable to access my cash rewards in the amount of USD XXXX. I strongly suspect that the unclaimed balance of cash rewards was the true reason for the closing and that the temporary autopay issues are used as a pretext to profit of the forfeiting of the cash rewards balance.
Product: Credit reporting or other personal consumer reports

I have attempted to dispute this item for the last ten months. My Target RED card account has been reporting that my account was negative in the month of XX/XX/year>. My account was NOT to my knowledge late in the month of XX/XX/year>. I have requested for proof that no payment was made on this account and the administrator of Target RED card services has been unable to provide this information. I have disputed this information with all three credit bureaus, XXXX, XXXX, and XXXX. All bureaus have stated that this is verifiable information however when I ask for the documents used to verify I receive no response.
Product: Credit reporting or other personal consumer reports

The issue I am having : XXXX out of my XXXX total federal student loans are currently being reported twice as duplicate accounts on my XXXX credit report. There are XXXX federal student loan accounts being reported under Dept of EdXXXX and the same XXXX accounts are also being reported a second time under Mohela/Dept of Ed . The duplicated accounts listed twice under both XXXX & MOHELA are all reporting as open with a balance. The loan servicer changed from XXXX to Mohela earlier this year. I previously had an issue with XXXX of my federal student loan accounts being duplicated on my XXXX XXXX XXXX credit reports, which was resolved after submitting a credit dispute. However, the issue with XXXX is much more serious, as my total federal student loan debt is now incorrectly being reported as XXXX instead of XXXX and XXXX has not corrected issue with my federal student loan accounts being duplicated even after submitting a dispute multiple times. I sent a message to MOHELA customer support on XX/XX/23 informing them of credit reporting issue. I also submitted a complaint on XX/XX/23 with the U.S. Department of Educations Federal Student Aid Office ( studentaid.gov ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I leased a XXXX through XXXX XXXX from XX/XX/XXXX until XX/XX/XXXX when I turned the car in after receiving military orders to deploy overseas. I obtained an Odometer Disclosure Statement ( attached ) when turning the car in and the dealership faxed the information to XXXX XXXX. The attachment/fax also has the finance director 's information who accepted the vehicle and faxed the information to XXXX. In XXXX timeframe, I received a notification on my credit report that I was 90 days delinquent on my payment. I called XXXX XXXX and they stated it was an error and they'd take care of it. It will take roughly 90 days for it to reflect on my credit report ( XXXX  ). The delinquency still remained and I called back a few months later. They once again said they'd fix it. I submitted a complaint through the Consumer Financial Protection Bureau at the end of XX/XX/XXXX and ironically on XX/XX/XXXX, I receive a notification from Trans Union that I am 90 days delinquent on this account. How does this delinquency error show up on a separate credit report, now bringing down a second credit score, 16 months after turning the car in? This error needs to be fixed ASAP as I, as any citizen, shouldn't be dealing with this. But I definitely shouldn't have to deal with this will overseas fighting for democracy. 

This is my second complaint. The first was the XXXX not removing the delinquency from XXXX. This complaint is XXXX has now sent the delinquency to Trans Union after I submitted my first complaint and 16 months after turning in the car. I will never do business with XXXX again!!! They have lost my trust.
Product: Checking or savings account

I signed up for a checking offer XXXX. Simply deposit {$20000.00} and leave it in the account for 60 days and I was supposed to receive {$500.00}. It seemed easy enough according to the advertisement and I fulfilled the terms of the offer but the bank has not paid me the bonus offer. This has been an ongoing offer and I see on their website it's still active with a renewed expiration date. 

https : XXXX Please help resolve this. Thanks so much!
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX # XXXX, XX/XX/2018 has violated my rights. 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A section 2 : It also states consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

On several occasions I wrote to Experian disputing a bankruptcy that they listed on my credit report. They wrote me back and said that the information was verified by XXXX XXXX and the court. I contacted both and the court said that they had absolutely not verified the account. XXXX XXXX removed the account from their report. I provided written proof of all of this to Experian. They could not possibly have done and investigation, because they said that they had verified it again with XXXX XXXX after XXXX XXXX had clearly acknowledged that the information was inaccurate and removed it from their report. 

Experian then made 3 requests for me to prove my identity. I belive that these requests were made just to avoid answering me, because I submitted my identity information with the dispute. I included my driver 's license and social security in my original requests and follow up response. I felt that this was designed to frustrate me and make me give me. But it just doesn't make sense that if they entities that you claim gave you the information either say that they did not or admit that the information was incorrect then Experian can not justify keeping this inaccurate data on my report. 

I believe that Experian is willfully failing to conduct a lawful investigation and stubbornly refusing to remove this bankruptcy listing from my account. It is as if they think that they don't have to meet their obligations and can continue to inflict hurt on me. 

I am requesting that this bankruptcy be removed permanently from my credit report and that I be sent an updated credit report,
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Demand for Immediate Removal of Inaccurate Account XXXX  Dear Equifax Dispute Department, I am writing to formally demand the immediate removal of the inaccurate account listed under the name XXXX  from my credit report. This account does not even have an associated account number, further demonstrating its inaccuracy and unverifiable nature. 
Both XXXX and XXXX have thoroughly investigated my dispute regarding this account and determined that it is invalid, removing it from their reports. I expect Equifax to take the same action without delay. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, you are legally required to investigate any disputed information and ensure that only accurate and verifiable accounts are reported. This account violates my rights under the FCRA for the following reasons : 1. 1681e ( b ) : Consumer reporting agencies are mandated to maintain maximum possible accuracy of the information reported. An account with no identifying account number fails to meet this standard. 
2. 1681i ( a ) ( 5 ) ( A ) : If an account can not be verified as accurate during an investigation, it must be promptly deleted.

The continued reporting of this unverifiable account is causing significant and unjust harm to my credit profile. I am providing this letter as formal notice that I demand its removal from my Equifax credit report within four ( 4 ) days of your receipt of this letter. 
Failure to comply with this demand will result in further action, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and considering legal remedies under the FCRA. 
Please confirm in writing that this account has been removed within the specified timeframe. I trust Equifax to act swiftly and in accordance with its legal obligations. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

We received your complaint. Thank you. 

We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 

YOUR COMPLAINT I am contacting you to dispute fraudulent items on my credit report, which I believe have been added illegally. Pursuant to 15 U.S.C. 1681c-2, I am requesting that these inaccurate items be blocked promptly. Attached is a copy of my Police Report/FTC Identity Theft Report Number XXXX, which provides the evidence of clearly fraudulent credit reporting. Under 15 U.S.C. 1681c-2, once an identity theft report has been submitted, consumer reporting agencies are required to block the disputed information within four business days of receiving the report and documents. The Federal law mentions that credit reporting records " with the identity theft must be blocked unless the items on my credit report are associated with this identity theft and must be blocked. '' I am writing to certify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and filed a complaint, which is mentioned above and referenced. My credit report contains fraudulent ACCOUNTS that are not associated with me. All relevant documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 

In addition, I request the immediate removal of the following fraudulent ACCOUNTS AND INQUIRIES from my credit report : Inquiries : XXXX. XXXX XXXXXX/XX/year>