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

On XX/XX/2018, I got an email about my bank account balance being below the requested amount, so I logged into my Bank of America account to check the balance of my checking account and the balance was {$1.00}. I saw that there were 3 unauthorized transactions on the account. There were 2 ATM transactions, {$480.00} and {$500.00}, and 1 XXXX purchase of {$470.00}. I checked my wallet to make sure my debit card was there and it was so I asked my husband to check and make sure he had his debit card and his debit card was not in his wallet. My husband has his card the night before when he went out and does not remember dropping or misplacing his card. The fraud transactions were immediately reported to Bank of America and a fraud dispute was filed. The bank informed us that we would received our money back in 48 hours, which was a lie. When we called back a few days later we were told that the money would be replaced that day, which again was another lie. When we call the fraud dispute line again they told us it would take 10 days ( this was on day 4 of 10 ). On day 10 ( XX/XX/2018 ), my husband received a call from a young lady at the bank stating that she had more questions regarding the fraud. He answered all of her questions and was told that he would hear from them on the following Monday ( XX/XX/2018 ). My husband did not receive a call from the bank, on XX/XX/XXXX, so he called them to inquire about the fraud dispute and was told that the account was closed out because he did not answer the remaining questions they had when they contacted him on Friday ( XX/XX/2018 ). He informed them that he spoke with an associate and answered all her questions when she called him on XX/XX/XXXX. They then proceed to tell him that he would have to wait another 10 days for them to conduct another investigation. We have been lied to constantly by different individuals every time we call and we just want our money back.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint against Equifax for failing to conduct a proper investigation into inaccuracies in my credit report. Despite my dispute submissions, Equifax routinely responds within 24 hours, asserting that the account is accurate without providing any evidence of a thorough review. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires a reasonable investigation of disputes. Additionally, Equifaxs actions may also violate the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as noted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar infractions. I urge the CFPB to take action to ensure Equifax complies with federal law and provides consumers with proper evidence of its investigations.
Product: Checking or savings account

On XX/XX/XXXX and XXXX there was {$4500.00} of purchases to XXXX for Cryptocurrency. For everyone of the transactions, I received an email stating the transaction failed. I never received any cryptocurrency because every transaction failed. Apparently my debit cards thst were hooked up to XXXX and XXXX were closed and not active BUT Bank of America took the money from my account on a hold basis and never refunded it to my account because my cards were closed and account was being closed. 
I have file several billing claims to the bank. I had 1 approved for {$500.00} but all of the others are being denied after asking me for more information. I have asked how they can approve 1 claim and not approve all the others when it is the same exact situation and even their XXXX XXXX XXXX XXXX XXXX ( i believe ) can not answer that. It has been since XXXX. Not only have they taken out thousands of dollars from my account, but they wont release the {$900.00} still in my bank account. I have lost my health insurance, car insurance and can not pay for oil to heat my house or pay for my XXXX medication XXXX XXXX XXXX XXXX. XXXX XXXX phone number goes directly to voicemail and it takes her a day or 2 to respond and all she says is the bank is working on it or that they need more info. I sent them the screen shot of the email I received from XXXX showing the transaction failed. 
I have just today received notice that apparently 1 other claim was denied because the bank says I didnt provide enough evidence. 
I want to file a class action suit and want them to pay for their incompetence and poor training and ethics. Bank of America has ruined my life and I will continue to lose everything as I have already all because of their greed and corruption. 

I will be going to the news with this and blasting it and this complaint on social media and I do not plan to stop until I have my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX # XXXX, XXXXXXXX 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 XXXXXXXX and XXXX XXXX  XXXX # XXXX has violated my rights. 

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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX show discrepancies between the credit reporting bureaus. XXXX shows 90 day late payments XXXX to XX/XX/XXXX while XXXX does not report a 90 late payment until XX/XX/XXXX.
Product: Checking or savings account

I was scammed on a dating app and tried to contact customer support and was not able too using cash app.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I was billed for {$21.00} and was told that on XX/XX/XXXX I ordered a credit LOCK on my account ... I was in the hospital with XXXX  XXXX and did not authorize any LOCK ... I had called a year ago to order a Credit FREEZE .. which i was told was free ... Plus I was have an extreme issue trying to understand the off shore operator and she apparently was not understanding what I was trying to say to her ... after telling her I was going to contact you she mysteriously understood that I wanted my " membership '' charge reversed and still wanted my credit FREEZE put on their account ... free .... 

she also offered a {$4.00} monthly fee to credit Freeze ... what kind of XXXX  is going on here ...???
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX Account # XXXX has violated my rights. 

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 or other personal consumer reports

XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, 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 consist of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXXXXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX and an XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries 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 consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

Portfolio Recovery has been harassing me for months. I repeatedly tell them I am not familiar with a XXXX XXXX account with a balance of {$1600.00}. The employee number of person I spoke to last is XXXX. Calls come from many many numbers. Here are a few. XXXX, XXXX, XXXX. They all ways start off asking me personal information before identifying themselves. I tell them to quit harassing me, but yet they continue! I also told them I never had any kind of contract with Portfolio Recovery and will not talk to them. They tell me they bought account. I tell them I am sorry for them because again, I have no contract with them.
Product: Debt collection

We previously had services with XXXX and we were told after we terminated services with them that we still owed {$330.00} for services that had accured after we paid our last bill. These charges were claimed by XXXX after we terminated services, paid our final bill and returned all XXXX equipment. The account number is XXXX. We strongly disagree with what XXXX is trying to do and feel it is unfair. We can not pay this bill due to insurmountable curcustances, and the fact that this bill was presented by error. However, we agreed to pay them anyway as soon as we got our refund gift visa card from XXXX between the end of XXXX to the end of XXXX. They keep harrassing us for the past several weeks with daily phone calls by demanding full payment immediately. We have explained our circumstances to them 2-3 times, yet they keep calling XXXX+ times a day. The number of the collection company, ACSI XXXX collections, is : XXXX. Please stop these harrassing calls!
Product: Checking or savings account

On XX/XX/XXXX I made charges on my TCF debit card. TCF posted three of the charges on the XXXX and three of the charges on the XXXX. Also on the XXXX I made a XXXX XXXX dollar cash deposit. TCF only made XXXX of the XXXX XXXX available. Causing four overdraft fees of XXXX each. The remainder of the XXXX XXXX would be released the following day. 
First of all " who holds cash deposits ''. What is the reason? If TCF would post in real time I would have no overdraft fees. Instead they post in what ever order gets them the most fees. Something they have already been sued for. They have been doing this to me since I opened my account. They should be stopped!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint Regarding Inaccuracies in My Credit Report Dear Consumer Financial Protection Bureau , I am writing to formally request your assistance in addressing inaccuracies in my credit reports from XXXX, Equifax, and XXXX, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I have identified errors and outdated information on my reports that I have previously disputed with the credit bureaus without resolution. 

Specifically, I am requesting the following actions : 1. The removal of all inaccuracies from my credit report.

2. The removal of all closed accounts that are not accurately reflecting my credit history.

Under the FCRA, I am entitled to accurate and fair reporting of my credit information. The following provisions of the FCRA provide the statutory basis for my request : 15 U.S.C. 1681e ( b ) : Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information they report.

15 U.S.C. 1681i : Consumers have the right to dispute inaccurate information, and credit
bureaus are obligated to conduct a reasonable investigation of disputes within 30 days.

15 U.S.C. 1681c ( a ) : Certain negative information, such as closed accounts or outdated debts, should not appear on a consumers credit report after specific time limits.

15 U.S.C. 1681g : Consumers have the right to access their credit report and be informed of the sources and purposes of the information provided. 


I believe these rights have been violated due to the continued presence of inaccurate information on my credit reports. This has caused harm to my financial standing and reputation. I have attached copies of my credit reports highlighting the inaccuracies in question for your review. 

Please investigate this matter and ensure the credit bureaus comply with the requirements of the FCRA. I request that all inaccuracies and closed accounts be removed immediately to reflect accurate and up-to-date information. 

If further information is required, I can be reached at [ Your Phone Number ] or [ Your Email Address ]. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Wrong Names Address Phone Numbers Employment information Closed accounts Inquiries
Product: Credit card

I need to clarify an earlier complaint that was filed ( Case number : XXXX ). My lawyer incorrectly stated that that I had an account with Capital One that was abused by defrauders. In actuality I had no account with Capital One. The defrauders opened an account in my name, and had XXXX checks sent to me, which they purported were from them. I foolishly followed their directions, opened a checking account, and deposited the funds in the account, Thank you
Product: Debt collection

I have included a detailed timeline with the events of XXXX XXXX, my old apartment complex falsely accusing me of a repair, then proceeding to try to sue me for it, followed by sending it to collections. This occurred while I was XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA as a new XXXX XXXX XXXX. I have submitted multiple disputes with each credit bureau. 

XX/XX/XXXX I was falsely accused by XXXX XXXX for causing an electrical issue after calling their emergency services number. The unknowledgeable general maintenance man accused me of working on an arcing electrical panel when all I did was turn off the breaker to prevent a fire. 
XX/XX/XXXX They had the panel replaced after leaving us without power for multiple days in the middle of summer. 
XX/XX/XXXX After receiving the abnormally high repair bill of {$4500.00}, they deemed I was at fault somehow causing a faulty breaker to randomly start arcing and ruin the panel. 
XX/XX/XXXX I have my first meeting with a XXXX XXXX XXXX XXXX and receive a referral for a civil lawyer in town specializing in tenant cases. 
XX/XX/XXXX We hire XXXX XXXX with XXXX XXXX XXXX to represent us. 
XX/XX/XXXX XXXX XXXX represents us in court. 
XX/XX/XXXX I move from Virginia to Florida for my new duty station. 
XX/XX/XXXX The apartment complex contacts my lawyer deciding to not go forward with the case. We received a letter deeming it a non-suit by the courts. 
XX/XX/XXXX I receive my move out documents with the repair bill balance still on it, giving me until XX/XX/23 to resolve it or they will send it to collections. 
XX/XX/XXXX Emails were exchanged between myself and the apartment complex, as well as our attorneys. 
XX/XX/XXXX XXXX XXXX admits because the case was deemed a non-suit it can be reopened whenever they want. They say they are opting to use an alternative method to collect money owed. 
XX/XX/XXXX I am contacted by phone by FAIR COLLECTIONS & OUTSOURCING. I tell them I am disputing the charges as I am not responsible for them and refer them to my attorney. 
XX/XX/XXXX XXXX XXXX sends his letter of representation to the collections agent XXXX XXXX. 
XX/XX/XXXX I begin submitting appeals to the credit bureaus after seeing my credit score take a drastic hit. 
XX/XX/XXXX After three failed submissions, I was referred to the CFPB.
Product: Money transfer, virtual currency, or money service

I was issued a check for {$7500.00} from XXXX XXXX XXXX on XX/XX/2019 and the signatory was XXXX XXXX. 

The check of the Bank " branch banking and trust company '' and I was supposed to get the cash from the Account number " XXXX '', but I tried to get it cashed two times and both the times the check bounced. 

It was issued to me by XXXX XXXX who lives at " XXXX XXXX XXXX   XXXX VA XXXX '' This Bank 's customer service is not helping me out, and during this epidemic of Coronavirus I need this money on an urgent basis. I am attaching the copy of the check with this complain. I need justice and the money as soon as possible.
Product: Debt collection

London and London claims I owe XXXX to XXXX XXXX. The balance is well over my credit line of XXXX, part of the debt is the result of fraudulent charges and at least XXXX is questionable as it brings the account well over limit, I suspect either XXXX XXXX or London and London added on bogus charges so as to make it appear I owe more than I actually do. At least 3500 is due to fraudulent charges. Please note, I did attempt to make payment arrangements with XXXX XXXX several times, the last online chat rep would not cooperate and said to wait until a payment had posted at the time before making any arrangements. Most recently, I made additional attempts to discuss debt with XXXX XXXX, however, calls were transfered to recovery dept where calls are recorded. I refuse to speak with anyone on any recorded line, reps were advised of this several times. However, they insist on recording calls in case any payment arrangement is missed. One rep advised me they do not accept settlement offers, which is a shame as a settlement amount would resolve it. Please advise London and London that most of this debt is fraud/bogus and refuse to pay unless a reasonable settlement offer is made to me.
Product: Credit reporting or other personal consumer reports

I received a copy of my Experian consumer report and noticed some late payments that needs to be deleted. It is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Your agency has committed a violation of my federal and consumer rights ; evidence is provided in 15 USC 1681b ( 2 ) of the Fair Credit Reporting Act, which is detailed below. 
15 USC 1681b ( 2 ) - permissible purposes of consumer reports, THE LAW CLEARLY STATES : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I did NOT give your agency written authorization or written instructions to report this information. 
Your agency has not only committed aggravated identity theft but has also falsely accused me of defaming my character, to name a few damages that may be awarded in court, in addition to violating the Fair Credit Reporting Act.

As detailed below, Experian, XXXX, and XXXX have also violated my consumer rights. 
15 U.S. Code 1666b - Timing of payments ( 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. 
The disclosure of this information not only violates federal law but also constitutes aggravated identity theft and character defamation against me, similar to how your agency has harmed me ( 15 USC 1666b ) by failing to obtain my written consent to report such information.

Late payments can not be reported if the consumer was not notified 21 days prior to the due date. It should state " mailed or delivered '' to the customer.
Product: Checking or savings account

This complaint is in reference to the advertisement provided by Chase in the mail to XXXX that will provide {$300.00} to open a checking account with direct deposit. In the previous complaint filed, Chase submitted a copy of a XXXX advertisement that provides {$600.00} as a a bonus in opening a checking account and restricted having a joint account to receive the bonus. 

I am referring to the XXXX advertisement and the XXXX advertisement that Chase provided. Chase could not produce the XXXX advertisement that involved the bonus of {$300.00} with the only restriction that a direct deposit be linked to the account, which is what I opened at the XXXX XXXX XXXX in XXXX.
Product: Credit reporting

THERE IS INFO ON MY REPORT THAT IS NOT MINE AND INCORRECT PERSONAL INFORMATION I NOTICED WHEN IT WOULD NOT LET ME LONG IN TO LOOK AT MY REPORT BECAUSE OF THE FALSE QUESTIONS IT WAS ASKING ME
Product: Credit reporting or other personal consumer reports

DESPITE MY PERSISTENT EFFORTS TO CONTEST THE INACCURACIES IN THE INFORMATION REPORTING IN EXPERIAN THE ISSUE REMAINS UNRESOLVED AS TO DATE. 

XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX. Under 15 U.S.C. 1681i Paragraph ( XXXX ) 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/update the status. 
XXXX XXXX XXXX XXXX XXXX Please update this inaccurate information on my credit report. 
XXXX. XXXX XXXXUnder 15 U.S.C. 1681i Paragraph ( XXXX ) 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/update the status. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update it from my credit report
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding inaccurate late payments reported on my credit report during the national emergency period for COVID-19. These late payments were recorded for the account XX/XX/XXXX - XXXX on the dates XX/XX/ 2021. Under the protections provided by the CARES Act ( Coronavirus Aid, Relief, and Economic Security Act ), my account should not have been reported as delinquent. 
The CARES Act was enacted to protect consumers facing financial difficulties due to the pandemic, allowing for leniency and preventing negative credit reporting during this period. Despite this, the creditor XXXXXX/XX/XXXX reported my account as late, affecting my credit score unfairly and contradicting the intended protections under the CARES Act. 
I have previously contacted EXPERIAN and requested that my account status be corrected to reflect a status of " PAID/AGREED '' or " OK '' for the specified dates, as required by the CARES Act. However, I have not received a satisfactory resolution, and my report remains inaccurate. This situation is now negatively impacting my credit score and my ability to access financial services. 
I am requesting that the CFPB investigate this issue to ensure my rights are respected under the Fair Credit Reporting Act ( FCRA ) and that my credit report is updated accurately.