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

I received a copy of my credit report and I have found that in accordance to the FCRA you violated my rights under 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. Pursuant to 15 USC 1666b 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. I NEVER gave Equifax, OR the below listed creditors any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and anxiety due to the abusive and unfair practices. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Once again JP Morgan Chase Bank reversed charges previously posted to reflect a negative balance and then charge me {$34.00} insufficient funds fees 3 times for a total of {$100.00} On XX/XX/2019 my car insurance XXXX automatically withdrew an electronic payment from my account in the amount of {$210.00}. At the time, my checking account balance was {$1900.00} leaving a balance of {$1700.00}. On XX/XX/XXXX, my life insurance also posted an automatic payment from my account for {$80.00} leaving a balance of {$1600.00}. On XX/XX/2019 another automatic payment from XXXX XXXX XXXX in the amount of {$1500.00}, leaving a balance of {$380.00}. On XXXX XXXX XXXX XXXX  XXXX  posted a second automatic payment in error for the amount of {$1500.00}, leaving a negative balance of $ XXXX for which JP Morgan Chase is entitled to charge me an insufficient funds fee of {$34.00} and should have returned that payment. Instead JP Morgan Chase reversed the car insurance payment and the life insurance payment that I saw already posted on my account to show they came after to then justify charging me {$34.00} three times, They returned the XXXX amount and the life insurance amounts but paid the 2nd amount of XXXX XXXX XXXX posted in error. The second amount was paid to XXXX even though there was a huge negative amount of $ XXXX. I was then charged the third amount of {$34.00} for a total of {$100.00}. I contacted both the car insurance and life insurance companies to verify the dates they posted those automatic payments and they were done on the dates I stated above ( I have the documentation to prove such from both organizations ). I check my account after I make any payments and after I know payments are scheduled to come out, so I am very much on top of my balances. Chase is fraudulently charging these insufficient funds fees to customers because they count on most people not checking their balances regularly. I want those charges removed. I think a class action lawsuit should be made by the banking organization that monitors banks who commit fraud.
Product: Checking or savings account

Bank of America incorrectly and erroneously froze my checking account due to their faulty fraud system on XXXX. I contacted the bank via telephone on XXXX and i was not given a valid reason for the freeze nor valid solution or timeline for resolution per the security supervisor they can not find any reason for the system triggering and have no method of override or resolution. Further, security supervisor also informed they are unable to follow up with resolution as they do not know a date when it will be resolved and stated I would have to call back randomly to see if/when issue is fixed.
Product: Checking or savings account

Rec 'd an email from Citibank XXXX regarding a Tiered Bonus Checking offer. It stated to call & open an account. They will set it up. Called XXXX XXXX spoke with XXXX about the details. We verified several times during the conversation that it was for the Tiered Bonus Program. If we deposited {$200000.00} by XXXX & leave it in 60 days that within 90 days later {$1500.00} would be deposited into the checking acct. Rec 'd the " welcome package '', returned the signature card and transferred the money. Called on XXXX & verified we were all set up for the Tiered Bonus program, we were also told that on XXXX the wait period will end & the {$1500.00} would be deposited within 90 days as stated. XXXX called about why the {$1500.00} was not deposited was given a " ref # '' & told to wait 5 business days. Called XXXX spoke to a " supervisor '' given a new " ref # '' he said we weren't a " targeted customer '' but couldn't tell us why or what that meant. He was going to " change the code '' to help us get the {$1500.00}. Called XXXX told " didn't get entered into the program correctly '' so we wouldn't get the {$1500.00}. XXXX called a branch in XXXX, Fl. spoke with XXXX XXXX, a manager. He said " no offer code '' was applied " wait 10 bus. days & that he would call back with a decision '' XXXX 12 days later we emailed him, no response. XXXX he emailed & said he was waiting on the promotional dept. for an answer. XXXX after no response from him we emailed him & said it appears that Citibank wasn't going to honor their commitment & that every time we have inquired about why the {$1500.00} was not funded, we were given at least 4 different excuses. We also said we would be cancelling our credit card that we've had since XXXX  along with pulling our {$200000.00}. We told him we would be contacting cfpb of how Citibank did not honor the Tiered Bonus checking offer that they solicited us about. It borderlines on a scam. XXXX called a branch in XXXX, Fl. to get checks as originally promised & never rec 'd to withdrawal our {$200000.00}. We would never have transferred {$200000.00} into a bank that paid zero interest in 10 months.
Product: Credit reporting or other personal consumer reports

I am writing to formally express my concerns and frustration regarding the XXXX data breach that occurred in XXXX. As a victim of this incident, my personal and financial information has been compromised, leading to significant distress and ongoing issues with identity theft. XXXX is inaccurately reporting my Social Security Number, posing a significant risk to my financial security and identity integrity. You have not supplied proof under the doctrine of estoppel by silence XXXX XXXX ( MO ) XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt nor therefore any such debt in fact exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I sent letters to Equifax Credit Bureau from XX/XX/XXXX to the present, and I have not received any response up to this date. On the other hand, the inaccuracies about my account are continuously reported on my Equifax Credit Report. That means Equifax failed to comply with the Fair Credit Reporting Act law which states that the Bureau should provide to the client 's requests. Here are the list of concerned account that needs to rmove completely from my Credit Report : XXXX XXXX-Balance $ XXXX Opened : XX/XX/XXXX XXXX XXXX $ XXXX Opened : XX/XX/XXXX XXXXI-Balance $ XXXX Opened : XX/XX/XXXX, XXXX Balance {$1700.00} XXXX $ XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX $ XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX $ XXXX Opened : XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being. 

Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX Incorrect DOB : - XXXX  Listed below are the Accounts that are being challenged XXXX  XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX  XXXX XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 
In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non- complying with the FCRA . Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. Please correct the item, or inaccurate information, from my file immediately & send me the results to the address .XXXX  XXXX
Product: Student loan

I emailed Aidvantage a month ago about my options to postpone my payments due to unforseen medical charges I need to pay. They have not responded and forced me to make an uneducated decision to use forebearance as my payment was due. They whole purpose of a loan servicer is to aid in decisions like this.
Product: Checking or savings account

On XX/XX/XXXX some person or persons took a image of my tax customer & remotely deposted an amount of $ XXXX.Chase incorrectly honored an illegal check and deposited {$680.00} to my account ending in XXXX account. The criminals then withdrew two amounts one for {$400.00} & another for {$280.00} at XXXX & XXXX stores. I received no proceeds from the fraud and immediately as i recognized it I informed the local branch. Chase is refusing to honor the claim and has debited my account in the amounts of {$400.00} & {$280.00} TOTALING {$680.00}. effectively saying I had something to do with this fraud. They provided me with a complaint number and it is:XXXX. Hopefully tis csn be resolved with me having to take legal action.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding the continued reporting of bankruptcy and associated accounts by EQUIFAX, despite their failure to properly verify the accuracy of this information. EQUIFAX failed to properly investigate and verify the accuracy of the bankruptcy, and its associated accounts reported on my credit file. Despite filing a formal dispute and citing violations under the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ), the credit bureau has not provided adequate verification, sources, or documentation, nor have they removed the inaccurate and unverifiable information from my report. 
1.Failure to Verify Records : Under FCRA 611 ( 15 U.S.C. 1681i ), credit bureaus must conduct a reasonable investigation into disputed information. EQUIFAX failed to provide documentation or identify the source of the bankruptcy records after my initial dispute. Courts do not report bankruptcy information directly to credit bureaus, and no legitimate verification source has been disclosed. 
2.Lack of Source Disclosure ( FCRA 611 ( a ) ( 7 ) ) : I specifically requested the name of the source and details on how the information was verified. This information has not been provided, which violates FCRA requirements. 
XXXX.Violation of FCRA and Privacy Rights : The continued reporting of this unverified bankruptcy violates my privacy and harms my financial well-being. FCRA 609 ( 15 U.S.C. 1681g ) entitles me to a description of the process and sources used to verify the records, which has not been provided.

4.Reporting Unauthorized Information ( FCRA 1681b ) : The inclusion of this bankruptcy in my credit report lacks permissible purpose and violates my privacy rights. I did not authorize its dissemination.

5.Failure to Validate Debt ( 15 U.S.C. 1692g ) : If the bankruptcy data was sourced from a third-party debt collector, no validation has been provided to support its accuracy.

6.TILA Violations ( 15 U.S.C. 1640 ) : The continued reporting of inaccurate and unverifiable credit information violates provisions of the Truth in Lending Act, causing harm to my creditworthiness.

The inaccurate reporting of this bankruptcy has caused significant damage to my credit score, limiting my access to financial opportunities and causing undue stress. The continued noncompliance of this credit reporting agency further exacerbates this harm. 

Supporting Documents : previous dispute letter submitted to EQUIFAX. 
Proof of address, Id, and Social Security Thank you for addressing this matter promptly
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my TransUnion credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Addresses that should be deleted are XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX and there is XXXX XXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 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. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following U.S. Bankruptcy Court XXXX  XXXX bankruptcydismissed Reference # : XXXX XXXX Bankruptcy Court XXXX XXXX bankruptcydischarged Reference # : XXXX ; XXXX XXXX XXXX XXXX Balance : -
Product: Credit reporting or other personal consumer reports

Hello, I received an email today XX/XX/year> from XXXX XXXX stating that there is a new inquiry on my credit report. I was given the selection to check the inquiry, and I did so. I was able to see that Capital One did a hard inquiry on my credit report. I have not applied for any credit card through Capital One nor any other company. Due to this hard inquiry, my credit score went down XXXX via XXXX and went down XXXX via XXXX.
Product: Money transfer, virtual currency, or money service

Cash app would not respond to fraud or problems with transactions
Product: Vehicle loan or lease

opened XXXX on XX/XX/2016 and this company is STILL reporting inaccurately on my credit report which will constitute me filling a lawsuit if they continue to not follow the response obtained in their response to the CFPB that they account will be CLOSED. 

This needs to be CLOSED/DELETED on ALL credit reports : XXXX/XXXX & XXXX  as this is still affecting my score. This has been going on for two years now as you ( Consumer Portfolio Services removed it from my credit report after my complaint was submitted to the CBPB but it mysteriously reappeared about 3 months later.
Product: Credit card or prepaid card

I just took out a XXXX XXXX XXXX Gold Card.  I was four days late on the first payment and of course i get hit with late fee and interest.  After that I was caught up and paid in full.  They have some type of system that is charging me interest on the average balance of $XXXX starting fromXX/XX/XXXX to a unidentified date and for an interest charge of $XXXX.  I know the amounts are small but i have not had a balance of $XXXX on this card.  I am writing because I am sure American Express is doing this to many others.  I just got my XXXX Balance online and have uploaded a check to them as i am trying to figure out how to get in front of the average balance.  They call it trailing interest but if you do not know the amount ahead of time then you cannot get caught up. They continue to charge you until you make two consecutive payments in full according to their representativeIt appears to me to be a Loan Shark system that makes it difficult to get caught up. FYI I am going to stop using the card pay what i owe and cancel it.  People worry about check cashing operations but these big banks and financial organizations make the crooks look like angels. FYI my credit score is an XXXX so i pay my bills on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called the company on the XX/XX/XXXX to add my phone number on my credit file and they have not. I called today and they keep telling me I have send a request in the mail but my number shows up on there system but not on my report. I want this fixed cause I can not complete my car finance.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX  ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : 1. XXXX/ ACCOUNT NUMBER XXXX 2. XXXX XXXX/ ACCOUNT NUMBER XXXX 3. XXXX XXXX ACCOUNT NUMBER XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to dispute credit information with Equifax, I cant log in I called them and they basically said u have to have a paid membership. I should be able to dispute inaccuracies without membership
Product: Money transfer, virtual currency, or money service

On XX/XX/year>. A friend sent me XXXX XXXX XXXX dollars in XXXX through the coinbase wallet. After I received it, I found that the amount was changing at any time. There were several screenshots of the time, and the amount changed hugely. I doubted whether this was XXXX.. I want to send to another platform but can't send because the assets are on XXXX. I don't know why. Then I asked customer service and customer service asked me to pay XXXX gas fee. I think this is fraud. If I want The payment can be automatically deducted, why should I pay extra? This is a common trap for fraudsters. I report it to you and provide these screenshots. I hope you can help me investigate, deal with them, and recover my XXXX XXXX XXXX dollars. Thank you! 
For a long time, Coinbase has never provided help with customer service. They usually don't answer and just ignore it. This customer service was recommended by a friend. I don't know if it is true. It may be a fraud syndicate. I hope you will investigate.