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

XXXX provided the document i will share with yall regarding no account found I have reached out to XXXX and requested they deleted the information but continue to state that XXXX has updated and certified the account is mine. 

This is my last attempt before I take legal action against both corporations. 

I have attached all exhibits below I have been fighting this for over a year now with no luck cfpb case no : XXXX
Product: Payday loan, title loan, or personal loan

I had a 12 month agreement with Comenity Bank and it expired on XX/XX/19. The company never gave me information to pay it off and then I was charged a finance charge on XX/XX/XXXX that didn't appear until two statements later in the amount of {$370.00} If it would've been communicated, I could've paid off and avoided the fee.
Product: Debt collection

It is imperative that you correct this mistake promptly. I respectfully ask you to conduct a thorough inquiry into the situation and accelerate the removal of these unauthorized accounts from my credit report as swiftly as you can. Your immediate focus on this issue is highly valued.
Product: Credit card or prepaid card

Account Number Ending In : XXXX Claim ID : XXXX Dispute Type : Credit - Paid for Goods/Services By Other Means Date Error Reported : XXXX Claim Amount : {$420.00} XXXX Chime grossly denied my dispute, after I provided them with very clear documentation that the merchant charged my other card for the same amount on the same day. The information they provided me with that the merchant provided them with, in response to my dispute simply shows that they charged this card. This does not mean they did not charge another. But they did, and I had showed Chime proof of my claim. How can they look at the statement I provided to them from the other bank and tell me that " no billing error occurred ''??? Ridiculous!! It is literally the very same merchant, on the very same day, for the very same amount. The way these people handled my claim is disgusting
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding
Product: Credit reporting or other personal consumer reports

In XX/XX/year> my mortgage was transferred from XXXX XXXX to XXXX XXXX. I had no part of this decision and know that these transactions occur in the finance industry. I was assured by both concerns that this should not impact my financial standing. 
On XX/XX/year> Equifax reported a drop of XXXX points in my credit score due to this transaction. This activity has gone on my credit report and will be damaging.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act, XXXX XXXX XXXX - ACCOUNT NUMBER : XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX Has violated my rights. 


5 U.S. Code 1681 Section 602 A. States I have the right to privacy.

15 U.S Code 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Checking or savings account

On XX/XX/year>, I received an email from Wells Fargo ( WF ) alerting me to a scheduled payment from my account. I had NEVER set up any payments from this account, so within 30 minutes I was on the phone with WF fraud department instructing them to stop the payment. They responded it was already being processed- too late to stop and I should complete a fraud claim affidavit which I did promptly. The claim was denied as they said the instructions to disburse were sent from a device using my IP address. I challenged that and requested to see the data. 33 days later I received the log-in report proving that it was NOT from my IP address. All other logins to this account were from my static IP address except for the 3 involving fraud. Their claim to the contrary was proven to be incorrect and disingenuous. I have filed the claim 2 additional times both declined with no explanation. The branch banker I met with 3 times informed me that this has become a common form of fraud against WF and I should continue my fight.
Product: Bank account or service

XXXX complaint, NO competent action taken from chase bank corporate lawyers. Chase is regulated to protect 2 months of my VA XXXX. Spelled out in countless laws. Especially XXXX XXXX. XXXX veteran XXXX protection act. XXXX NEW treasury dept rules, because of the cryptic loopholes created. No inconsistent state law preempts federal laws. NOT to obvious is it?! # Plus minnesota law does NOT garnish veteran benefits. Obvious exemption. The real issue is malicious lying welfare clerk XXXX trying to obscure and manipulate state and federal laws to cheat and harass me. THIS infamous deceit and collusion from XXXX XXXX minnesota is irrefutable, dates back to their reckless grossly inapt kangaroo hearing in XXXX. ALSO obvious these XXXX are required by state law to send chase bank a current court order that stipulates payments, AND spells out I NO longer owe any child support as of XXXX. CRYPTIC SEMANTIC DECEPTION, ACTIONABLE TORTS IS SUPPOSED TO BE REVIEWED BY SOMEONE COMPETENT AND QUALIFIED IN HARASSMENT LEVIES, INAPT GARNISHMENT ORDERS CONTRADICT STATE AND FEDERAL LAWS. To date some generic clerk from their presumed chase executive office calls me, gives me some sloppy excuse, their legal dept is looking into WHAT?! # Are they that stupid and ca n't see this is illegal and cryptic harassment?! # Bottom line is they are required to protect my [ 2 ] months of direct deposited VA XXXX. NOT blunder, and enrage me with incompetent stupidity. ANY phony obscured judgement requires scrutiny!!!!
Product: Credit card or prepaid card

I submitted complaint XXXX to the CFPB on XX/XX/23, which has all of the original information. I received a reply today, XXXX. Bank of America missed the entire point of my complaint. The point was that BofA advertises their Credit Card Protection Plan as covering purchases, then denies that coverage based upon guidelines that 1 ) are not available in any of their advertising or in their application process, 2 ) are not available to the customer through contacting the Credit Card or Protection Plan departments, and 3 ) were contradicted by the original person on the phone handling the claim. The reason I involved CFPB was to get Bank of America to provide customers with easy access ( i.e., the web ) to the terms of services their card purportedly covers.

In BofA 's response, they suggested I go through their Billing Dispute department to get reimbursed. That response is explicitly suggesting that I commit fraud -- they know that the issue was not with the merchant that I bought the item from, it was that the item was stolen after it was received. If I were to file a claim with the Billing Dispute team and they were to approve my claim, the money would be taken from the account of the merchant -- who was not responsible for the theft. So Bank of America has told me that to resolve my issue, I should cheat the person who sold and delivered the item to me BEFORE it was stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

Is about. L credit karma I been a user for years Im in touch with the news about credit karma misleading our approvals and I have a bunch of hard inquiries because of that reason on my account they would say My approval odds would be fair but then. When I go apply through the link I still get denied cause of my score so it adds a hard inquiry because of there suggestions so please verify and take a look at my inquiry
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX XXXX & XX/XX/XXXX XXXX i received numerous notifications that their has been numerous inquires made to my consumer credit report in which i had know knowledge of, issued by the following companies : XXXX XXXX on XXXX, XXXX XXXX XXXX XXXX on XXXX XXXX XXXX card on XXXX XXXX  car sale on XXXX XXXX and us small administration on XXXX XXXX XXXX : Under 15 u.s. code 1681b-permissle purpose of a consumers report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTIONS of the consumer to which it relates. 
I XXXX XXXX XXXX never gave these cXXXX XXXX  on XXXX, XXXX XXXX XXXX XXXX on XXXX XXXX XXXX card on XXXX XXXX car sale on XXXX XXXX and us small administration on XXXX XXXX. written consent to report anything on my consumer report, NO consent is identity theft .and to add on the 3 major reporting bureaus are also at fault due to the fact that their are well aware of the following subchapter 15 u.s code 1681b ( a ) ( 2 )
Product: Debt collection

I received a letter from Allied International Credit Corp, XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX The letter is a debt collection letter with threats on taking the debt to court if not paid immediately. However the letter does not give any details on what the debt is for. It only states its an XXXX purchase debt. I checked with XXXX and I do not owe any money hence this is a fraudulent letter and fraudulent debt claim. 

I 'm filing a complaint in hopes to help others that may receive a notice like this.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim XXXX XXXX XXXX of Debt XXXX and would like for all listed accounts to be blocked and deleted company information from Experian, XXXX and XXXX. 

Please delete the following accounts : XXXX XXXX XXXX ( Original Creditor : XXXX  XXXXXXXX XXXX. ) Account Number : Account Number : XXXX Balance : {$750.00} XXXX  Account Number : XXXX Balance : {$750.00} XXXX  Account Number : XXXX Balance : {$1900.00}
Product: Checking or savings account

When I opened the account I inquired about when the $ XXXX deposit had to be made in order to qualify for the XXXX bonus. I was told it had to be made within 60 days of accounting opening and it was not mandatory to be made all at once. I followed up on XXXX/XXXX/XXXX with the online banking department and they could not confirm if or when I would get the bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX or XXXX has reported on my credit report over 4 times. I have asked them to remove the credit line reporting and they refuse. This is damaging my credit as others see this and might try to subject me to high interest loans.
Product: Debt collection

XXXX XXXX XXXX has been trying to collect a debt from me that is past the statute of limitation.XXXX XXXX XXXX court case XXXX XXXX, CACH LLC vs XXXX XXXX, et al. The debt collector was granted a default judgement on XX/XX/XXXX. My last payment on this credit card was 2 years earlier. I was granted 3 claims of exemption from wage garnishment and had 2 bank liens. Currently XXXX XXXX has a lien on my bank account, XX/XX/XXXX. I believe that this debt is time barred and is illegal to collect. There is another firm involved called CACH , LLC. XXXX XXXX XXXX  XXXX XXXX XXXX # XXXX XXXX, CA XXXX. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Money transfer, virtual currency, or money service

There was an instance when using Zelle and I was unable to be refunded money that was sent to the incorrect individual by mistake. 

Secondly there was an incident when money was sent by a fraudulent person for an unauthorized payment and when reported the money was not returned to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX original creditor XXXX XXXX XXXX XXXX XXXX there are so many inaccurate reporting 's on this account on my credit report. Under XXXX  my payment status shows a collection/ charge off but under equifax it shows this payment is late 120 days. Also under date last active one shows that it was XX/XX/XXXX and the other shows XX/XX/XXXX. As with the fcra law any item that shows inaccurate imformation should be deleted from credit report. 15 U.S.C 1681. please delete these items off of my credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I cosign for my son a car with credit acceptance my son the car broke down and my son did not pay for it but I have filed bankruptcy in XXXX in which that car was included in my bankruptcy. I have since filed bankruptcy in XXXX and everything was cleared up. Ive tried to purchase a card number of times this month and was denied because I have a repossession on my credit report when I found out that credit acceptance is still reporting a repossession to my credit report from XXXX, but I have filed bankruptcy twice since then and its hindering me from obtaining any other kind of loans or financing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT, except as otherwise provided in this section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS
Product: Checking or savings account

Im reaching out because I was a victim of fraud. I was naive enough to think I was recently accepted to get a loan deposited to my bank account at Bank of America. It started on XX/XX/XXXX the person posing as a XXXX XXXX XXXX rep got my information ( which I shouldnt have done ) and started making claims and disputes with my transactions in my account, when the bank initially gave me the credit on the disputes they made. They then told me they was sending me money for me to moneygram them to a credit bureau. I shouldve known better and they made three transactions like this for {$900.00}, {$820.00}, {$820.00}. And the bank end up closing my account and after they saw my bank statement and I was proving that it was not me making the disputes and claims and transactions they still couldnt find a solution for me besides to file a police report. And when I went to do that the local police department told me they couldnt really do anything. I dont know what to do
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an investigation with Experian on XX/XX/2019 XXXX proof documention attached ) regarding XXXX XXXX XXXX  and allowed XXXX XXXX XXXX  to place another alert on my account, 3 days later, on XX/XX/2019 and Experian did not have documented on my report as it being in " dispute '' ( document proof attached ). XXXX XXXX XXXXXXXX also closed my account after I've been making monthly payments. The balance is also incorrect. Also, I explained in a short statement to Experian that XXXX   XXXX XXXX never contacted me in writing, about my account status, at no time, before closing it, due to one  reason of them sending it to an incorrect address and calling an incorrect phone number that they have for me. The address that one representative stated they used for me, prior to my account closing ( although they had my new address, but did not use it to contact me ) and prior to me confirming ( again ) my address, is an address that pertained to where my identity was stolen.Two representatives of XXXX XXXX XXXX, quoted my address as being in XXXX XXXX when it is in XXXX, which I have reported to Experian and XXXX XXXX XXXXXXXX as my current address, but XXXX XXXX XXXX  sent all communications, prior to them closing my account, to the XXXX XXXX address, per two representatives ( which proof should be in their recorded telephone calls ). Also, XXXX representatives and a supervisor ( whom stated she was in the california office ) stated that XXXX XXXX XXXX only makes phone calls and do not send out letters, but with so much fraud, including my identity being stolen is not an effective way to contact me because people are impersonating banks and other establishments daily, as that has happened to me and one reason how my identity was easily stolen. Also, XXXX XXXX XXXX has an incorrect phone number for me, so they could not have possibly called me. I was told different stories from representatives and a supervisor regarding why I was not contacted, prior to them closing my account, even while I was making monthly small payments. Proof of my address is also attached.
Product: Debt collection

First of all a female from this collection agency called my working pretending to be a friend. When I was at this place of employment we are not allowed personal phone calls. The operator sent the call through. At that time the female stated the name of the collection agency and stated I owed money from an ambulance bill in XXXX She then hung up. I recall being unemployed and did not have health insurance I was on Government Assistance in XXXX. I dont remember using an ambulance service in XXXX How does someone find a medical debt from XXXX? I am devastated by this. My credit report is very important to me. This collection agency has now lowered my credit report. This collection agency came out of nowhere and is trying to obtain over {$2000.00} from me! My credit report shows my XXXX score decreased XXXXXXXX XXXX due to this collection agency report.
Product: Mortgage

On XXXX/XXXX/15 at XXXX I submitted a payment via the Provident Funding App on my smart phone. This payment is for the XXXX 2015 payment. I applied for credit and was told on XXXX/XXXX/15 that my credit score had significantly dropped and I would be receiving a higher interest rate because of it. On XXXX/XXXX/15, I obtained a copy of my credit report and was shocked to find Provident Funding had reported my loan 30 days delinquent based on the day the company chose to process the payment which was XXXX/XXXX/15. I explained to each of them that I 've processed many payments on the XXXX day of the month in addition have processed payments on a Saturday and have never received a negative mark on my credit until now. I was also told I would have had to process the payment on XXXX/XXXX/15 to avoid a negative mark on my credit because the XXXX is the last business day of the month for reporting in addition they are n't open on Saturday to process my payment. I was told they have to report accurately and per the FCRA guidelines and ensured me this was correct. I was told i can not receive " special attention '' and further explained the day i processed the payment did not matter, what mattered was the day they got my money. I repeatedly asked how I could receive a 30 day late when there are only 28 days in the month and I paid within the current month. I explained my understanding is i have 30 days from the due date and the representative told me that is no actual date to when they can negatively report on my credit and assured me provident is compliant with the FCRA guidelines. I wanted an explanation as to why internal business practices negatively impacts the consumer all because 1. It 's a short month 2. They are n't open on weekends 3. The last day of the month it reports to the Credit Bureau 4. I was told on the website it would n't be processed until XXXX/XXXX/15. The disclosure is vague and fails to state what the effective date is. The payment was made on a Provident provided website and they confirmed through the paperwork I submitted and their internal records it was received on XXXX/XXXX/15 at XXXX. This is negatively impacting my husband and I while in the process of obtaining credit. I have disputed this with the credit bureau agencies and provident funding has responded by saying the information is accurately reporting. I think this is unfair and deceptive to the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft/fraud. I have notified the credit bureaus several times that the accounts don't belong to me, I have not in any way received goods or services from any of these companies and have asked for these accounts to be removed immediately from all of my credit reports. Contact was made in XX/XX/2019 for the following accounts : XXXX  XXXX XXXX {$110.00} XXXX XXXX {$1500.00} Acct # XXXX XXXX XXXX  {$300.00} Acct # XXXX XXXX XXXX XXXX {$560.00} Acct # XXXX XXXX   XXXX  {$710.00} Acct # XXXX XXXX XXXX XXXX {$780.00} XXXX XXXX XXXX
Product: Mortgage

We submitted an application to Better Mortgage to refinance our home back in XXXX of this year. We paid for an appraisal and it was completed on XX/XX/XXXX. We were not happy with the service we were getting from Better Mortgage so in early XXXX we decided to go with a new lender. The new lender will accept the appraisal we had done. On XX/XX/XXXX I emailed the representative we had been working with with the appraisal transfer information we needed forwarded to the new lender. When I didnt receive a response back I called Better Mortgage XXXX XX/XX/XXXX and found out she no longer worked there and was given another email address for a different person who worked there. I emailed him and again no response. I called Better Mortgage a couple more times and on XX/XX/XXXX received another email address to contact. I sent another email and still havent received a response. Ive been getting the complete run around with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested multiple investigations ( XX/XX/2018, XX/XX/2018, XX/XX/2018 ) into the accuracy of account : XXXX/XXXX and after reviewing my credit report provided by XXXX on XX/XX/2018 confirmation # XXXX, and credit reports from Experian & XXXX dated XX/XX/2018, ( creditchecktotal ) the account, XXXX XXXX  is still being reported inaccurately XXXX How can you report that the item was verified to OUR company that the current status is being reported correctly when the payment history is NOT correct, nor is there an account balance being reported according to XXXX confirmation # XXXX. According to report dated XXXX2018, XXXX is reporting me with a " XXXX '' balance on XXXX XXXX, '' however, XXXX & Experian are reporting me with a {$230000.00} balance. If the CRA 's have properly investigated the accuracy of this account then why are all 3 credit bureaus reporting all different payment histories, different balances if they actually verified the accuracy of the account as requested multiple times? 
The CRA 's are in violation of 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] therefore delete this account.