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

On  XXXX / XXXX /  XXXX   I noticed that our bank Chase put thru a preauthorized payment for car insurance even though the funds were not there to honor the transaction. We were under the impression when signing up for our account that the overdraft protection we signed up for would prevent transactions from being processed if we did not have the money in the account. I attempted to contact the Chase customer service and spoke with many different people. I requested they cancel the transaction as it is still pending. They told me no since it 's a preauthorized transaction they could not even though in their contract it states if an amount is different or you do not recognize the merchant they can cancel the transaction. So if that 's the case why was I told they did not have access to cancel the transaction when last year I forgot my car payment was going to go through and I called the bank and they were able to cancel the transaction. I find it very discouraging that  one  person with CHASE can but a different rep ca n't. Now we not only will have no money but all other transactions made prior to the pending transaction are still pending and when they honor the transactions again they will make more money off of us for NSF fees. This is an immoral way of doing business and I am utterly disgusted in my experience with CHASE.
Product: Debt collection

On XXXX I sent United Revenue Corp a debt validation letter. When there was no response I wrote to them again on XX/XX/XXXX but to prove they received the letter I faxed it on XX/XX/XXXX XXXX sent receipt attached ). I waited another 30 days and on XX/XX/XXXX I reminded them of the two previous dates that went unresponded to and that if a fourth letter was necessary it would be accompanied by a CFPB complaint so that's what this is.
Product: Credit reporting or other personal consumer reports

Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent You replied that the alleged transaction you furnished as late was { accurate/ verified } choose the response they used } ] but my previous dispute did not ask you for accuracy or validation. 
you furnished to { XXXX, XXXX, and XXXX } } an alleged transaction as Late.

15 U.S. Code 1666b - Timing of payments ( a ) TIME TO MAKE PAYMENTS Acreditormay not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless thecreditorhas adopted reasonable procedures designed to ensure that each periodic statement including the information required bysection 1637 ( b ) of this titleis mailed or delivered to the consumer not later than 21 days before the payment due date.

I requested the information that must have or possess by law in order for you to furnish a payment as late.

This is being request pursuant rule 1002.

In other words, to properly report information as verified, the furnisher must have sufficient evidence to support the conclusion that the information was true, and in doing this the conditions required by 15 USC 1666b must be met.

You failed to provide the required requested information, you failed to proceed in accordance with the requires for a creditor to treat a payment as late.

It has been over 30 days and you have not properly verify the information.

Id. at 1303 ; see also XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( defining verify as [ t ] o prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate ).

Importantly, a furnishers inability to conclusively determine that the disputed information is inaccurate does not mean that the furnisher is permitted to report back to the consumer reporting agency that its investigation verified the accuracy of that information. Instead, if the evidence available to the furnisher is insufficient to establish the truth or falsity of the disputed information, then, under the statutory framework, the furnisher must report that its investigation concluded that the disputed information can not be verified.

Hinkle, 827 F.3d at 1304. So, for example, if a furnisher is unable to verify that a consumer missed a payment, then it may be appropriate for the furnisher to delete any mentions of the missed payment while continuing to report other information about the account.

Delete the information you are furnishing to the Consumer Reporting Agencies as late from account. 

XXXX XXXX _________________________________ Without Recourse UCC 1-308
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax cant find or locate my credit file. I know that Im putting my information in correctly but still not has been done about it.
Product: Credit card

On XX/XX/year> a payment was made to Synchrony bank the new servicer of my XXXX credit card. On XX/XX/XXXX, I received an email message ( attached ) that said the payment had been processed and no further action was required on my part. There was mention of an issue with the bank account number ( I was never asked to change or correct it ) but the payment was applied and the money no longer appeared in my account. It does say to log in to ensure it was processed which I have tried to do ( and am still trying! ) and no one at the company seems to know why I am unable to log in to my account other than as a Guest. The bank stated the money was not accepted by the servicer. I have asked them for this proof but it has not been provided. 

Then on XX/XX/XXXX I got an email stating my account was overdue and that the XX/XX/XXXX account had not been applied and was in delinquency. 

The change in card servicer was apparently XXXX but I never received a new card, a new statement and my payments were made prior thru Autopay and in that short window I did not check to see that it had not gone through. 

Upon calling the company, it was discovered that when the change between the two banks were made they did not have the correct contact information, clearly a clerical issue in their database. 

Attempts to make payments were made multiple times in XXXX in the 30 day window but the servicer could not process them and I am being held accountable for this.
Product: Mortgage

In early XXXX 2015, I applied for a home loan at the Wells Fargo XXXX XXXX with XXXX XXXX. To this date I have not received any letter, phone call or email as to the status of my application. I understand if I did not qualify for amount requested ; however, I do expect a notification as to why or what amount if any I qualified for. It has been over 5 months and I believe my application was bluntly discriminated against ; I am protected under the Fair Lending Act. I was told to get a second signer because with my income I did not qualify, when I got my father to agree to be a co-signer my application was still denied.
Product: Credit reporting or other personal consumer reports

Consumer Name : 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 ( XXXX U.S.C. XXXX ) that you, the XXXX 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 on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX 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 # ( 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: Credit reporting or other personal consumer reports

I am submitting this complaint to request the deletion of a specific account from my credit report with XXXX XXXX XXXX XXXX due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Account in Dispute : Account Number : XXXX Creditor Name : XXXX Incorrect information identified in reports from all three credit bureaus. 
Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process.

Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information.

Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report.

Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal.

Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures.

Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data.

Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right. 

Supporting Case Law : In XXXX XXXX Trans Union, XXXX ( XXXX XXXX XXXX ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. XXXX XXXX XXXX, XXXX further reinforces the obligation to maintain reasonable procedures to ensure accuracy.
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 has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681 XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 11. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report
Product: Checking or savings account

I opened savings account with bmo alto. I moved all my life savings around XXXX dollars to the account. They froze my account and i cant access my funds XXXX cant login to verify if my funds still exist. I reached out to customer care team and provided all necessary documentation and still i cant login. I even requested a balance enquiry while review is in progress that was denied as well. 

I was bounced off between teams for no reason over call. In the end i was even like ok send funds back to original account and that was denied as well. I am worried I am gon na losse my money and they are gon na steal it
Product: Credit reporting

Someone is trying to open a credit card under my name on  XXXX  and   XXXX   XXXX   XXXX   XXXX
Product: Credit reporting or other personal consumer reports

the information on the credit report was not authorized and needs to be removed. I have spoken with Experian, XXXX and XXXX however they are not complying with this request and failing to provide information about the information on the report. I have told them that that information was not valid on my credit report however they states that its going to stay on them. the following inquires needs to be removed from my report due to it being XXXX unauthorized. 

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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

Chime refuses to close my checking account! I already made it clear via the XXXX  and they want to make it hard for me. They can't refuse to close it!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX Account # XXXX, account # XXXXXXXX XXXX XXXX XXXX XXXXXXXX bank Account # XXXXXXXX XXXX Account # 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: Checking or savings account

XX/XX/XXXX  Court Case of Bank of America vs.   XXXX   XXXX    Superior Court,   XXXX   County Compliant : Bank of America received a false money order cashed on my Bank of America Account number :  XXXX . AKA " MONEY MULE '' FRAUD. The money order was explained and proved to be in court a fraudulent money order, that I was the victim of a   XXXX   XXXX    Job and was given false instructions as a scam job victim. Being the victim of a scam job, and unaware I cashed the money order and was found to be responsible in court for the money order.
The judge ruled in favor of Bank of America, and gave them the judgement of my savings account in the amount of {$400.00} and a closure of my account. Until further notice. Stated I no longer owed them any money and that I would be able to establish an account at a later date.
I have not been able to reopen a account with Bank of America since  XX/XX/XXXX . As this is not correct as the representative in court stated that I would be able to reestablish a Bank of America account at a later date.
Recent situation : I have recorded my recent situation with Bank of America as this has occurred numerous times and I have found Bank of America fraudulent in their customer dealing and will not cooperate with the regulations of a banking institution.
I have contacted the Risk Department on numerous occasions.
The Bank of America staff have told me the Risk Department will close my account if established.
I have discussed with the Risk Department and   XXXX   XXXX  .
  XXXX   XXXX   has no record of Bank of America in their system ; meaning that account was not reported to   XXXX   XXXX   by Bank of America Corporate.
I have contacted the Risk Department for a letter of denial.
They have sent a letter of denial stating to re-contact them based on a appeal of the decision.
The Bank of America Risk Department has given me the direction to a " Marketing Override ''.
The Bank of America staff at the banking branch refuse to perform a " Marketing Override '' I have recently appeared at Bank of America Banking Branch   XXXX   XXXX   CA.
 XX/XX/XXXX . And this is how I was treated. I have uploads of the conversations and my check system report as e-discovery.
  XXXX   XXXX     XXXX   XXXX   XXXX    XXXX , CA  XXXX  US E-Discovery : -Risk Department Marketing Override Recording.
( call-channel1- XXXX   XXXX    ) -  XXXX   XXXX   Reports ( 5 ).
(   XXXX   XXXX   Report 1.pdf ) (   XXXX   XXXX   Report 2.pdf ) (   XXXX   XXXX   Report 3.pdf ) (   XXXX   XXXX   Report 4.pdf ) (   XXXX   XXXX   Report.pdf ) -Conversations with Bank of America Staff ( 6 ).
( Bank of America Representative 1.M4A ) ( Bank of America Representative.M4A ) ( Bank of America Supervisor 1.M4A ) ( Bank of America Supervisor 2.M4A ) ( Bank of America Supervisor 3.M4A ) ( Bank of America Supervisor.M4A )
Product: Credit reporting, credit repair services, 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 XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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.
Product: Debt collection

Arrangement Department Direct Recovery Services XXXX XXXX XXXX Multiple calls to family members and people at my old address which I had not phone number on file with Leaving long messages in detail about any debt I owe, and calling at all hours of the day. Screenshot of friend who received a very long and detailed message at my old address.
Product: Money transfer, virtual currency, or money service

On XX/XX/2024 at around XXXXXXXX XXXX, I was approached by two individuals needing help to deposit two checks. They told me that their card wasn't working and if I could help them, they offers to pay me for my troubles. After looking at the checks, they seemed legit so I decided to help ( I would like to note that im on the XXXX XXXX, so my judgment of people isn't so great ). One check was for {$1900.00} and the other was for {$990.00}. I gave them the money and went on my way. After discussing it with my sister after I got home I realized I was scammed and had deposited fraudulent check. This has never happened to me before! I immediately called Chase to see if I can get my money back or if there was some form or process I can undergo to see if I can get my money back. With my sister 's help, I was able to explain the scam I was a victim in. Chase bank told me there was nothing that could be done since I participated in the scam ( I withdrawn then money after checking the fraudulent check in ) I had to take it outside of the bank aka the police. How could be a participant in this scam? I'm the victim! And yet they won't do anything to help me! My sister mentioned to the customer service of Chase that I was autistic and yet they told me nothing could be done. Please help, {$2900.00} is a lot of money that worked super hard for. The least Chase bank could do it to consider investigating the scam incident but they didn't.
Product: Debt collection

I am writing in dispute a debt that your company is attempting to collect, as permitted under the Fair Debt Collection Practices Act ( FDCPA ) and the Consumer Financial Protection Bureaus ( CFPB ) guidelines, I dispute the following information regarding the debt : 1.The amount of the debt.

2. The validity of the debt.

3. Any supporting documentation.

Along with violation ( s ) of my consumer rights 1. Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on my consumer report.

2. I have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( I ) 3. Collection agency is violating my consumer rights by using false misleading, misrepresentation and deceptive means.

4. Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A )
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo is reporting that I paid my credit card with them late for the month of XXXX and XXXX of XXXX, but it was never late. I had mailed my credit card payments for these two months to the address that I was provided by the representative at the Wells Fargo Call centre and I took the address done exactly as it was provided to me. I sent both payments for the month of XXXX and XXXX out timely and I never received my payments returned to me. I also never received any phone calls from Wells Fargo letting me know that they did not receive my payment. I only became aware they did not receive or cash my payment when I got a notification from my credit bureau that Wells Fargo had reported me as having paid my account late ( 2 ) months in a row. As soon as I became aware of this I contacted Wells Fargo and explained the situation, and immediately began making payments by phone. I explained to a manager of the call centre exactly what had happened and that I had mailed the payments to the address that I was provided by the associate that I had spoken with and that I had not received the payments back. 

The manager told me that she understood the situation and that she would remove the late markers from my credit report and she realized that it was an honest mistake and that it was not an intentionally done on Wells Fargo 's side and that it was not intentionally done on my part. I was fine with this and I was happy that they understood and was grateful for their assistance. The problem is that they never did remove the late markers and for the past 9 months I have continued to pay my credit card on time, but Wells Fargo still has not done as they promised me they would do and remove the late markers for the month of XXXX and XXXX of XXXX I have called many times since this promise was made to me and I have continued to be told this would happen and that they apologized and to give them 30 to 60 days, but it has now been nearly a year and this still has not happened. 

I was so happy that Wells Fargo was so understanding at one time but then refused to honor the resolution they had agreed to with me.