23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I was charged a late fee for " nonpayment '' of a {$0.00} ( XXXX ) dollar bill due on XX/XX/2020. 

My monthly payment occurs on the XXXX, and I have autopay set up. On XX/XX/2020 a " Late fee for payment due '' of {$25.00} was charged against my account. 

I have attempted to contact BofA, but they have no way to contact them reasonably. There is no way to contact them online while logged into my online banking account, they do not have chat, they do not respond to twitter, and the phone lines were projecting almost 2 hours of hold time.
Product: Payday loan

I applied for a loan and did n't receive any money at all. I do n't know why this is on my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

Reach out to Experian Credit Bureau to Verify 3 accounts that is on my credit report and provide me with a copy of the original creditors documentation on file that this information is mine and is correct per FCRA. They have not provide these documentation to me, they also sent me a letter stating the information has been provided by the creditor but I never received the documentation I requested per the FCRA, so these three accounts are still consider unverified and is hindering me and my family from purchasing a home. I attached two certified notification when I sent Experian, also the 3rd letter in the exact words they received the first two letters along with a copy of my state license.
Product: Debt collection

Over the last six months, First Financial Asset Management ( FFAM ) kept calling me from XXXX on a debt I allegedly owed to XXXX XXXX XXXX, to whom I owe nothing. I told FFAM that they must have mistaken me for another person with the same time. I have written emails, left messages on FFAM 's website multiple times, and the calls continue day and night.
Product: Checking or savings account

In XXXX I opened a checking account with Social Finance ( Sofi ). 

I noticed they gave me the welcome bonus twice of {$50.00}. A week later the erroneous {$50.00} was withdrawn and I was left with a balance of {$50.00}. 

In XXXX I went to file my taxes with the 1099-INT and noticed it stated that I had received {$100.00} in income as a welcome bonus and not {$50.00}. I contacted Sofi in XX/XX/XXXX and they agreed to send a corrected 1099-INT form that would arrive in 5-7 business days. It's now been a month and there has not been a corrected 1099-INT form issued. I will now have to file either an amended return after the deadline and write a corrected number on Schedule C line 21. 

This is pretty infuriating they made this error and didn't solve the problem by sending an amended 1099-INT form. I have contacted them twice now and support doesn't know what to do. I now have a higher chance to be audited over this silly error and no one at XXXX XXXX is willing to help.
Product: Credit card or prepaid card

This is for a Chase Sapphire XXXX XXXX that has a {$95.00} annual fee, and no foreign transaction fees. On XX/XX/2022 I purchased plane tickets on the Chase website in the amount of {$3800.00} to XXXX XXXX. On XX/XX/2022 I arrived in XXXX, and paid {$2500.00} for the hotel I was staying at as well as {$34.00} for a taxi and {$230.00} for diving equipment rental. All of these transactions worked. Then, on XX/XX/2022, at approximately XXXX XXXX I paid for a dolphin swimming experience for {$270.00}. This transaction worked. two minutes later, I also tried to pay for a parasailing experience, and this transaction was declined. Twice. I then called the number on my card, and the representative said that there were, " no holds on the account, and [ i ] should be able to use it. Try it again. '' I told her It was indeed I who was in XXXX, having purchased all the travel-related items, and that do not block the card. I tried it again, and it did not work. I had to pay with another card, incurring a 3 % fee. Two hours later I received a text from Chase asking if it was I who attempted to buy the parasailing. I replied with YES it was. On XX/XX/2022 I successfully used my chase ATM card at a XXXX bank 's ATM. My Sapphire card continued not to work, and only on XX/XX/2022 was I informed, after I called them in the evening, that the card was canceled. With no instruction from me, and against their own fraud protocol. And against my express instructions that I am legitimately using it. Had I not had a back up card, I could have been stranded. I had my children with me. This is bad enough, but when I called them on XX/XX/2022 to seek remuneration for this catastrophe of their doing, reimbursing me for {$58.00} in foreign transaction fees, that I should not have had to pay if they had not canceled my card in error, a feature for which I pay {$95.00} per year. They refused. The " supervisor '' I spoke to on the phone told me this was " impossible ''. This is also contrary to my history with the bank XXXX credit card division which has previously waived {$60.00} in fees for me previously. It is bad enough that their systems would even allow this kind of thing to happen in the first place. It is tenfold worse that they do not own up to their mistake and make it right.
Product: Mortgage

Good day, My mortgage was bought by Mr. Cooper and since then I have been having an increase on a monthly basis. They have obtained all required documents. I reach out to them XX/XX/year>. I spoke with multiple representative and each time its an additional 7 days of investigation for a result, that is currently ongoing for two months now. We also spoke to them about withholding upcoming insurance increase because we were shopping around for a different policy. They went ahead and pay to increase before end date and also paid our new policy leaving our escrow in shortage. We haven't been submitting the required documents to get our disable veterans exemption applied and they haven't done so. which is causing a drastic increase in our monthly payment.
Product: Credit reporting or other personal consumer reports

Request is deletion of debt on credit report All 3 agencies to update and delete remarks on credit reporting. 
Account is being reported by original credit card company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Certified mailed dispute letters have been mailed. 

Violating FCRA MISLEADING TRIPLE REPORTING OF DEBT. 
Requesting for account to be deleted from credit reports including XXXX XXXX Equifax XXXX XXXX
Product: Checking or savings account

I'm trying to close my Bank of America account. The only way they offer to contact them is to call. I threw away my debit card because I was planning on closing the account. The representative told me they can not speak with me without the information on my debit card. I'm simply trying to close my account but can not speak with anyone.
Product: Credit reporting or other personal consumer reports

The information being reported on my XXXX XXXX. This account was never late and or 60 days past due. The account was paid in full on XX/XX/year> there was 30 day a late payment reflecting on XX/XX/year>. That information was reporting error. They corrected the error, and in return the credit bureaus updated the information and reported that XX/XX/year> was 60 days late which is incorrect.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX # XXXX, XXXX XXXX XXXXXXXX XXXX # XXXX,, XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXXXXXX XXXX  # XXXX 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 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s -2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 






d
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I XXXX XXXX recently received a copies of my consumer reports ( Experian, XXXX, XXXX ) and I noticed some late payments posted on my consumer report.This company is in clear violation of the law. Pursuant 15 USC1681a2 ( A ) ( i ). Failure to respond satisfactory with deletions of the Late payments will result in legal action being taking. Remove late payment..

Account Information XXXX. XXXX XXXX XXXX XXXX. Acct # XXXX XXXX. Date Opened XX/XX/XXXX XXXX. Months showing XXXX XX/XX/XXXX & XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

State of mi office chi : # XXXX, XXXX XXXX : # XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( eXb ).

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under account number XXXX, auto loan account opened at XXXX XXXX XXXX XX/XX/XXXX under account number XXXX. Personal loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, XXXX XXXX XXXX XXXX  on XX/XX/XXXX under account number XXXX and a collections account opened at XXXX XXXX XXXX under account number XXXX on XX/XX/XXXX with a balance of {$850.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 # ( private case number ) 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

To Whom It May Concern, I am writing to formally dispute inaccurate information listed on my credit report as provided by the following entities : 1. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX 5. Wakefield The information reported by these entities contains discrepancies and incorrect figures that do not accurately reflect my financial history. Under the Fair Credit Reporting Act, 15 U.S.C. 1681b, I have the right to dispute inaccurate information on my credit report, and I am requesting a thorough investigation into these discrepancies.

Specifically, the items in question are : - [ List specific items with discrepancies, including account numbers and the nature of the inaccuracies ] I have included copies of my credit report from the relevant agencies and any supporting documentation to help facilitate your investigation. Please review these materials and ensure that the incorrect information is corrected promptly. I also request written confirmation of the outcome of your investigation. 

Thank you for your attention to this matter. I look forward to a swift resolution.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of certain accounts and inquiries from my credit report, as I am a victim of a data breach and identity theft. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have unauthorized or fraudulent information removed from my credit file to ensure its accuracy. 
Please remove the following accounts from my credit file : XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$5400.00} XXXX. DPT ED/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$680.00} XXXX. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$740.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$150.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$630.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$150.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$6200.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$6200.00} XXXX. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$680.00} XXXX. XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$580.00} XXXX. XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$580.00} XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$220.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$1300.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} Additionally, please remove the following unauthorized inquiries from my credit file : XXXX. XXXX XXXX XXXXXXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX  XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX  XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of XXXX : XX/XX/XXXX XXXX. XXXX XXXX  Date of XXXX : XX/XX/XXXX XXXXXXXX XXXX XXXX Date of XXXX : XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX Date of Inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Fraudulent Inquiries : XXXX. XXXX XXXX XXXX, Inquiry Date : XXXX XXXX. XXXX XXXX, XXXX Date : XXXX XXXX. XXXX XXXX XXXX, Inquiry Date : XXXX XXXX. XXXX, Inquiry Date : XXXX XXXX. XXXX, Inquiry Date : XXXX XXXX. XXXX, Inquiry  Date : XXXX XXXX. XXXX XXXX, Inquiry Date : XXXX XXXX. XXXX XXXXXXXX XXXX, Inquiry Date : XXXX I did not authorize anyone employed by these companies to make any inquiry and/or view my credit report. In addition, I did not give you ; TransUnion, written permission or my consent to furnish this information onto my credit report or consumer credit file. 
This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes fraudulent activity and is also a serious breach of my privacy rights.
Product: Credit reporting or other personal consumer reports

**Please disregard my previous submitted complaints due to a typo error - ID FOR COMPLAINT SENT TO TRANSUNION CREDIT REPORTING AGENCY XXXX |ID FOR COMPLAINT SENT TO XXXX XXXX |ID FOR COMPLAINT SENT TO XXXX XXXX REPORTING XXXX I am writing XXXX dispute certain hard inquiries that have appeared on my credit report obtained from your agency. After reviewing my credit report, I have identified the hard inquiries that I know are inaccurate and should be removed.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of Disputes. Particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has allowed repeated offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises concerns about customers safety.
Product: Money transfer, virtual currency, or money service

A dispute case was supposedly opened on XX/XX/XXXX for a fraudulent purchase made on XXXX, XXXX to XXXX XXXX. XXXX is my email for Paypal account. Someone used my XXXX account and purchased an item, a XXXX XXXX watch in the amount of XXXX. This information was provided to Paypal rep, a gentlemen whom I did not get the name of on XX/XX/XXXX. However, when I called today, XX/XX/XXXX, to provided additional information pertaining to claim I was told by Paypal rep a claim can not be opened due to status of account. As far as I know, no claim or case has been opened pertaining to this charge. I called XXXX and was referred back to Paypal, the XXXX rep said a claim was already opened which contradicts the information I was given just minutes earlier by Paypal rep. The information I was going to provide Paypal and XXXX is tracking information which shows package left with individual on XX/XX/XXXX. USPS tracking number is XXXX. I checked with my mother whom I live with, she was home on XX/XX/XXXX while I was at work, she did not receive any package. I checked with post office and was told package was left in parcel locker, which is strange as tracking info shows left with individual. The package is nowhere to be found, I've checked with neighbors and they have no package with my name on it. As stated before, I attempted to provide this information but was told by Paypal there is no case, which was contradicted by XXXX rep.
Product: Credit reporting, credit repair services, or other personal consumer reports

You TRANSUNION are reporting inaccurate and incorrect information on my consumer report. 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household uses. You and your inaccurate reporting has damaged my livelihood. 

According to 15 USC 1681 ( b ) ( b ) REASONABLE PROCEDURES It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

By definition I this sub chapter you are required to adopt reasonable procedures that are FAIR and EQUITABLE to meet my needs as a consumer. You have failed in your duty as a consumer reporting agency and are in violation of XXXX USC 1681 ( b ) by not only reporting inaccurate information but information clearly for FORBIDDEN BY LAW to be included in the consumer report.

according to the IRS publication 4681 Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return unless one of the exceptions or exclusions described later applies.

Charge offs/ canceled debt are no longer debt and are now INCOME and INCOME DOES NOT get reported on your consumer report.

According to 15 USC 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Below I have an official cfpb response from XXXX where they claim that they have reported the account as a charge off but also claim that the account is still open You CAN NOT charge off an open account which makes that false and inaccurate information that YOU are reporting. 

I ALSO have an official letter from XXXX where they have also said that they have not charged off the account and yet on my consumer report its being reported as charged off which IS FALSE AND INNACURATE. 

In accordance to 15 USC 1681i ( 5 ) ( A ) ( 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

You have been put on notice that you are reporting FALSE AND INNACURATE INFORMATION AND I DEMAND THAT YOU DELETE THIS INACCURACIES AT ONCE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed on my XXXX report an inquiry that I did not authorize from Citibank NA., BEST Buy Dated XX/XX/2017.