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

XXXX : Dispute of Inaccurate Credit Reporting under FCRA and XXXX XXXX I am writing to formally dispute inaccurate and incomplete information that XXXX XXXX and XXXX Bank XXXX Delaware have reported to the credit bureaus regarding my account ( XXXX ). This dispute is made pursuant to the Fair Credit Reporting Upon reviewing my credit report, I have found that both entities have reported inaccurate information that is negatively impacting my creditworthiness. Specifically : XXXX. ** [ Describe the specific inaccurate information, such as account balances, payment history, unauthorized accounts, or fraudulent charges. ] ** XXXX. ** [ Include details regarding how the reporting violates FCRA or USC codes. ] ** # # # Violations of the Fair Credit Reporting Act ( FCRA ) Pursuant to XXXX15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) **, furnishers of credit information are required to report only accurate and complete information. The inaccurate reporting of my account violates this section. 

Additionally, under **15 U.S.C. 1681i ( a ) ( 1 ) ( A ) **, the credit reporting agencies and data furnishers have a legal obligation to investigate and correct any disputed information within XXXX  days of receiving notice. If this inaccurate information is not corrected or removed, you may be in violation of federal law.

# # # Violations of U.S. Code ( USC ) Regulations - **15 U.S.C. 1666 ( Billing Error Resolution ) ** : If the dispute concerns billing errors, this section requires timely investigation and resolution.

- **15 U.S.C. 45 ( Unfair or Deceptive Acts and Practices under the FTC Act ) ** : If the inaccurate reporting is intentional or misleading, it may constitute an unfair or deceptive business practice.

# # # Requested Action To resolve this matter, I am requesting that XXXX XXXX and XXXX Bank XXXX Delaware immediately : XXXX. **Conduct a proper investigation into the disputed information. ** XXXX. **Provide documentation verifying the accuracy of the information reported. ** XXXX. **Correct or delete the inaccurate information from my credit report. ** XXXX. **Provide a written response confirming the resolution of this dispute within the timeframe mandated by law. ** Failure to comply with these legal obligations may result in legal action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and possible civil litigation for damages. 

Please consider this letter a formal request for correction and an official notice of dispute. I expect a written response within XXXX  days, per XXXX15 U.S.C. 1681i ( a ) ( 1 ) ( A ) **. 
Social security XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having issues getting my accurate information to reflect on my report. I have a XXXX XXXX, XXXX AND XXXX XXXX ACCOUNT THAT IS NOT SHOWING! My XXXX  XXXX is XXXX XXXX XXXX XXXX, My XXXX is XXXX XXXX XXXX XXXX, my XXXX XXXX is XXXX XXXX XXXX XXXX.
Product: Debt collection

Credit Card Debt FRAUD from Best Buy purchased by XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX ( Judgement or Decree ) I am trying to refinance current home. 
Title agency pulled my social security number and said it NEEDS to be resolved in order to complete the refinance. 

They are Trying to collect a debt from myself that does NOT belong to me. 
FRAUD alert. 

Case # XXXX Amount of {$3200.00} They are requesting payment in full.

Address is INCORRECT. Never lived at referenced address.

Date of Birth INCORRECT. 

XXXX XXXX XXXX XXXX dated XX/XX/2019
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone within the bureaus has gone into my accounts and changed the status from paid to closed without my consent. I have not sent a letter stating to close an account that was paid. no one would or could unless it is the consumer. I have my account status from the national student loan database that reflects the status of all of my accounts with correct dates and amounts. THEY ALL SHOW " PAID ''
Product: Credit card

Without fail, I've maintained timely payments on this account, ensuring they are never overdue. It's unclear to me why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, necessary corrections should be implemented.
Product: Credit card or prepaid card

Equifax XXXX and XXXX furnished information on my consumer report without my prior written consent. This is a violation of my consumer rights pursuant to 15 USC 1681b. You can not furnish information without the consent of a consumer. they willingly did so. I did not consent nor benefit from the following accounts. I have already notified the federal trade commission. 

XXXXXXXX XXXX Account XXXX XXXX XXXX Account XXXX : XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

Bank of America charged my checking account twice for my XX/XX/XXXX, Mortgage {$1300.00}. I have called BOA on XXXX talked to XXXX I was told the money will be returned in 3 days did not happen, XX/XX/XXXX talked to XXXX same thing a couple days, XX/XX/XXXX XXXX said it will be 3 days but I will give you a C # SR XXXX, XX/XX/XXXX talke to XXXX a couple of days, XX/XX/XXXX XXXX said you will get your overpayment, today or by XX/XX/XXXX, I am still waiting for the overpayment, and I did file a complaint with the XXXX C # is XXXX. PLease Help Me. Thank You XXXX XXXX
Product: Checking or savings account

My daughter ( XXXX XXXX ) passed on XXXX XXXX, 2017. She had a checking account at a Chase Bank where her stepfather ( XXXX XXXX XXXX ) is the manager. XXXX XXXX stated on her Death Certificte that he is the " father '' ( under the box that requests the Informant to state the realtionship with the deceased. Right after XXXX 's death, XXXX XXXX proceeded to close the account withuot notifying me, but under the mother 's blessing. I have contacted Chase, and informed them of the situation, but they said that they will not get back to me with this matter. I tried contacting XXXX XXXX and his wife, but they do not answer my calls. I know I have to go to surrogate court to obtain the information on the account. I still believe XXXX XXXX should not be alloweed to close accounts when he has personal interests in them. The fact that he stated on the Death Certificate a lie is a major red flag, and he used this to close the account scott-free. Banks are founded on trust, and this man is not trustworthy. He should not be commissioned to manage people 's money.
Product: Debt collection

I have wrote the company to let them know this debt does not belong to me it may belong to someone else. Me and my father in past has had each other accounts on our credit report. I have reach to all companies and ask them to fix it Please assist me. 

1 ) XXXXP XXXX Collection/Chargeoff Last payment- ONLY SHOWING ON XXXX XXXX XXXX XXXX XXXX PORTFOLIO RC XXXX Collection/Chargeoff AMOUNT $ XXXX REPORTING TO XXXX AND XXXX XXXX ) PORTFOLIO RC XXXX XXXX AMOUNT XXXX -REPORTING TO XXXX AND XXXX XXXX ) XXXX XXXXXXXX XXXX CXXXX XXXX XXXX HIPPA LAW DO NOT BELONG TO ME AMOUNT XXXX XXXX RECO XXXX Collection/Chargeoff AMOUNT {$1100.00} MEDICAL HIPPA LAW DO NOT BELONG TO ME Collections XXXX ) XXXX XXXX XXXX $ XXXX XXXX SHOWING ON MY XXXX REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having a problem getting Transunion to remove an fraud alert off my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Bank account or service

JPMorgan has withdrawn money from my money market account without my knowledge or permission and has created a deficit or negative balance in it as a result. Simultaneously, it cancelled a recurring, prescheduled bill payment from my checking account to a student loan servicer, XXXX, without my knowledge or permission. Furthermore, again without my knowledge or consent, it completely eliminated XXXX as a payee I set up so that there is absolutely no trace of it or easy access to all payments that were made to it for several years. The last electronic payment made to XXXX from my JP Morgan checking account occurred on XXXX XXXX 2015, transaction # XXXX. This kind of raiding of my account, causing deficits in my account, cancelling scheduled payments and causing me to fall behind on a student loan payment, apparently, in collusion with XXXX, is an outrage that JPMorgan should be seriously sanctioned for and prohibited from ever repeating. Why are they allowed to arbitrarily take money from XXXX of my accounts, cause negative balances in the process of doing so, cancel legitimate bill payments that have been in place for years and collude with a student loan servicer so that my regularly scheduled payment is not made?
Product: Student loan

During the beginning of the COVID-19 pandemic, I was paying my loan, as I was receiving the federal plus-up for my XXXX-induced unemployment. Once the federal plus-up ended, I was no longer able to make payments, So I went back to school to get my XXXX, and XXXX XXXX XXXX ( XXXX ), my former loan servicer, told me I could get it deferred while I was in school. They continued to lead me on until they placed the loan in default, and then told me they could no longer defer it, and then sold it off to another company ( Transworld Systems ), who is now asking for the payment in full, and harassing my XXXX year old grandmother for money.
Product: Credit card

On XX/XX/XXXX of 2023 I XXXX XXXX applied for a Bank of America credit card and was declined upon decline I called and spoke to someone a customer service and advised them in good faith and understanding of my consumer law rights and how the decision for me being denied credit was in fact inaccurate and against my rights so due to the fact I have sent out an affidavit trying to resolve this manner and hopes that they will reverse their decision and choose to abide by the federal laws and my rights above their policy thank you.
Product: Credit card or prepaid card

I applied and got my Amex XXXX XXXX in XX/XX/2022, the welcome bonus is earning XXXX Membership Rewards points after $ XXXX in eligible purchases made on the card within the first 6 months of membership. I met the purchase requirement one month after opening the card, but now more than 8 months passed, and I still haven't received the welcome points. I contacted Amex customer service multiple times, however, the Amex representatives showed no intent to solve the problem and did not give me a clear timeline for issuing the points, even though they confirmed my eligibility for the welcome offer.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Date : XX/XX/year> Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Dispute of Collections Account # [ XXXX Dear Sir/Madam, I am writing to formally dispute the collections account listed on my credit report ( XXXX XXXX XXXX XXXX XXXX XXXX under the account number referenced above. Under 15 U.S. Code 1681i, I have the right to dispute any information on my credit report that I believe to be inaccurate, incomplete, or unverifiable.

I demand that you conduct a full investigation of this account in compliance with Section 1681i ( a ), which requires that the information be verified, corrected, or deleted if it can not be substantiated. As per Section 1681s-2, it is also the responsibility of the furnisher of information to ensure the accuracy of the data they are providing to the credit bureaus. 

Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ), a collections account must be fully validated with supporting documentation from the original creditor. If such validation can not be provided, this account must be removed from my credit report immediately. 

I expect this matter to be resolved within 30 days as required by law, and I look forward to your timely response. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have a cash app account thats has my legal money
Product: Checking or savings account

On Sunday, XX/XX/2022 I was at work at XXXX XXXX from XXXX and realized that I was missing my phone in the middle of my shift. I bought a new phone, and when I went to re-login to my apps, there was {$2100.00} removed from my savings and sent off to XXXX XXXX as XXXX and sent to an unauthorized user I have never met before. I have tried to talk to XXXX XXXX and the XXXX  is non-refundable so I reached out to Bank of America. They stated that because someone didnt take all of my money and I have had some huge transactions before, that they cant replace my money. But I have no idea why all my money wasnt taken and am just thankful it wasnt. I also showed proof of receipts from XXXX XXXX and had just recently received my tax income and used it to spend on bills. Other than that I have never made such a huge transaction and would never send XXXX  ti anyone, let alone someone I dont know. I am seeking extra help in the matter.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX 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 in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX Balance XXXX {$16000.00} XXXXXXXX XXXX XXXX Balance : {$8300.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$24000.00} XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX XXXX {$5500.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Wells Fargo disputing the completeness and accuracy of a trade line that they are reporting to the consumer reporting agencies. I am requesting the amount of the alleged debt, and how it was calculated. I requested account ledger documentation to include : XXXX XXXX, file, account ledger, accounting and transactional history, and have not received it to date. They continue to report inaccurate and incomplete information to my consumer reports, causing me harm. Wells Fargo Bank has continued to violate my federally protected consumer and inalienable rights. XXXX causing subterfuge is unlawful to retain. The alleged debt was charged off by Wells Fargo Bank, which means they wrote off the debt as uncollectible and possibly received a tax benefit and insurance. They did not receive any loss or injury to their accounting system from this alleged debt, yet they continue to report this inaccurate information causing me harm and stopping me from being able to extend credit.
Product: Mortgage

Wells Fargo has sent me a notice stating that they are charging me late fees for being late XX/XX/2016 My loan is a federal VA Loan, which terms clearly states that regardless of banks use of the XXXX as a payment date, my loan is not late unless I make payment, after the XXXX of the month, which has never occurred. My monthly mortgage PI payment of XXXX ( attachment A ) was sent to Wells Fargo, on XX/XX/XXXX and they cashed it on XX/XX/XXXX ( check # XXXX ) Wells, claimed that the check was late, and issued a late fee and sent me late notices, however the document, Certification of Loan Disbursement from the loan closing, shows the Mortgage account, PI amount, and Check # XXXX for that amount, XXXX was cashed on XX/XX/XXXX by Wells. VA regulations state that late is after the XXXX. 
Further, additional payments were made to my separate, escrow account, and cashed on XX/XX/XXXX for the amount of XXXX ( # XXXX ). 

XX/XX/2016 they were shown to have removed XXXX from my Principle account to my Escrow account, ( Attached B ). 

In XX/XX/2016, Wells Fargo Issued a monthly year to date summary ( attached C ) with a year to date escrow payments of XXXX, but in the same statement is saying the balance is XXXX, what happened to the other XXXX? There are also the unapplied funds of XXXX on the statement. 

XX/XX/XXXX, I received Check # XXXX ( Attached D ) deposited on XX/XX/2016 from Wells Escrow disbursement, to which it was never explained whether the check was for overages, or why was it given. 

XX/XX/2016 ( Attached E ) the escrow part of the monthly statement is showing a balance of XXXX, and unapplied funds of XXXX, which if added to the escrow, would total XXXX, and if you figure in the escrow disbursement check sent for XXXX, would equal, XXXX exceeding my total yearly escrow disbursements TI requirement of XXXX, with 5 months left in the year, indicating it will exceed the low point of XXXX by a considerable amount and support my position, that Wells Fargo never took the 2015 year end balance into account when determining what escrow amount was needed. 
If I sent in the amount of XXXX per month for the remaining 5 months, there will be XXXX, to be added to escrow, more than doubling the legal low point. Moreover, if I were to send in the amount of XXXX for the remaining 5 months XXXX would be added, closer to tripling the legal low point ( XXXX XX/XX/XXXX ) When I bring these issues to Wells attention, they refuse to give honest and straight answers, most often will try to answer questions that are not being asked, stuff a lot of data in the reply that is unrelated to the questions at hand, ask for more time to do research, but still do n't seem to address the questions I ask, and even more disturbing is that they continue to misapply funds and deposit checks written to my mortgage PI account to my escrow account, and apply my escrow deposits to an unapplied account, misapplying and trumping up late charges. There is no shortage in the escrow, but there is considerable excess. 

Thank you.
Product: Money transfer, virtual currency, or money service

Well its been about 45 days since i made my first complaint against this company. I've done everything they have wanted me to do and yet i still haven't received my payment and no one will answer or return my calls or emails at this point when i try to inquire about what's going on with my payment. Just from this experience I will tell you I will never bank with this company after all this run around.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account Name : XXXX XXXX XXXX Account number : XXXX, Account Name : XXXX XXXX XXXX Account number 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