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

Hello, I deposited a payroll check for about {$1800.00} into my BMO checking account on XX/XX/year> via the mobile app. I got an email stating the check was received and would get another email once the check was approved. Today XX/XX/year> I received an email stating the check was processed and approved. Shortly after my account was locked/frozen because of possible check being fraudulent. Its crazy shady how once the check clears and they pull the money from the other bank they go ahead and freeze and restrict the account because there was no reason for them to flag the check as fraudulent. None. After reading several reviews and complaints from other customers it seems like this bank BMO does these shady practices very often. I had my rent money pending also to be sent to my landlord but will now be held because of the freeze. I really cant wait when BMO gets sued and fined XXXX XXXX XXXX for these shady fraudulent practices they are doing with peoples money. No body ever escapes karma. i ask you to please unfreeze my account and release my funds asap so i can withdraw my money and go else where. I dont want my money to be handled by a bunch of thieves. Shame on you BMO.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and TransUnion are reporting a charge off on my credit report from XXXX XXXX. This account was paid and should not show on my credit report.
Product: Debt collection

I was managing partner of a medical practice that closed XXXX XXXX. We had a contract for a copier signed in XXXX of XXXX. My secretary notified US BANK of our practice closure date by phone. The copier was disconnected and moved to a different room in building after we closed. One of my partners made several calls requesting a final bill and pickup of the copier. We received a default bill in XXXX. Two certified mail letters were sent, one in XXXX, and one in XXXX. I received two letters back claiming they had unsuccessfully tried to contact me. I tried multiple times to contact the person that sent the letters and got voicemail only. I left messages to call my cell phone. I never received a call. I paid everything owed mid XXXX and sent certified letter with check requesting our relationship be finalized. The contract states they need 90 days written notice, or I can return copier, or I can purchase it. Have no idea how to " return a copier '' the size of the one we had and can't get a call returned to find out how. My retired partner recently sent me a XX/XX/XXXX bill he received for over {$1100.00} in charges for use of copier, late fees, and damage fees. 
I really do not believe anyone at US BANK was or is interested is resolving this issue. 
I am out of ideas. This all seems very unethical to me. I would appreciate any assistance you can provide.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter regarding inaccuracies in my credit report maintained by Equifax. Upon reviewing my credit report, I have noticed that my current address has not been updated and there are several outdated addresses listed. This discrepancy not only affects the accuracy of my credit profile but also raises concerns regarding compliance with the Fair Credit Reporting Act ( FCRA ), specifically Section 1681 ( a ) ( 4 ).

Section 1681 ( a ) ( 4 ) of the FCRA mandates that consumer reporting agencies such as Equifax must ensure the maximum possible accuracy of the information contained in consumer credit reports. This includes maintaining up-to-date and accurate information regarding consumers ' addresses. Failure to comply with this provision not only undermines the integrity of the credit reporting system but also infringes upon the rights of consumers.

I want to emphasize that this is not the first time I have brought this issue to Equifax 's attention. I have previously disputed these inaccuracies multiple times, yet the necessary updates have not been made. Equifax 's persistent failure to address this matter in a timely manner is not only a violation of the FCRA but also a violation of my rights as a consumer. I KEEP DISPUTING AND ASKING FOR THE CORRECTIONS OVER AND OVER AGAIN!!

It is imperative that my current address is reflected accurately to ensure that I receive important financial notifications and correspondence in a timely manner. Additionally, outdated addresses may potentially lead to identity theft risks and could result in erroneous reporting on my credit file.

I kindly request that Equifax take immediate action to update my address to the following : XXXX XXXX XXXX XXXX, GA XXXX Furthermore, I request that all outdated addresses be promptly removed from my credit report to ensure compliance with FCRA regulations. Please provide confirmation once these updates have been made.

I trust that Equifax will handle this matter with the utmost urgency and diligence to rectify the inaccuracies in my credit report. Your cooperation in resolving this issue promptly is greatly appreciated.

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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
Product: Credit reporting

There is Public Record Information on my was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. By law I have a right to the identity of the verifying entity as the Bankruptcy Court has confirmed that they did not verify by documentation. The credit agencies have stated that the information is " VERIFIED '' is verified by the origin. THE ORIGIN IS THE BK COURT. The attached document confirms that the information stated by the agency is FALSE!!! The credit reporting agency says I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. I am requesting that the CFPB advocate for me in this challenge.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against LexisNexis Risk Solutions for reporting inaccurate information on my consumer report related to Bankruptcy Docket # XXXX. On XX/XX/year>, I formally disputed the accuracy of this information with LexisNexis and requested an investigation and removal of the erroneous data. 

Despite clear evidence that the information is inaccurate, LexisNexis has yet to correct or remove it from my report. This is particularly concerning given the precedent set in XXXX XXXX LexisNexis Risk XXXX XXXX XXXX XXXX XXXX XXXX, where LexisNexis was found liable for reporting inaccurate information. This case highlights LexisNexis 's responsibility to ensure the accuracy of the data they report. 

I am requesting the CFPB to investigate this matter and ensure that LexisNexis complies with the Fair Credit Reporting Act ( FCRA ) by promptly correcting or removing the inaccurate information from my report. 

Please take appropriate action to protect my rights as a consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have filed identity theft and police reports. I have also contacted all 3 consumer reporting agencies. It has been over 7 months the accounts are still on my report, and I have not received any correspondence from the consumer reporting agencies. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer Information to the best of their ability with MAXIMUM accuracy. I have never opened any of these accounts. Please investigate and provide proof. If proof can't be provided I demand these accounts be removed from my credit report. Thanks.
Product: Credit card

I have had a number of issues with my US Bank XXXX XXXX XXXX XXXX ( Account XXXX XXXX XXXX XXXX, XXXX XXXX ), namely the difficulty of setup of online profile, difficulty of AutoPay setup ( I had to fax in AutoPay form ), and now an exorbitant increase in interest rate charge. This is unacceptable for business banking. I was never called by US Bank nor notified of this increase in interest rate. I feel I have been purposely misled by false advertising of this credit card. 

Per most recent bank statement, there is a balance of {$11000.00} subject to an APR of 19.24 % when it was previously 0 % for 15 months. I was not properly notified of this increase. I do not know what caused this increase.
Product: Mortgage

XXXX XXXX foreclosed on my property, they were granted foreclosure due to my attorney XXXX XXXX. in XXXX NY neglected to perfect a response for 10 months. 
I entered into a modification agreement with XXXX XXXX whom XXXX transferred the foreclosure summary to. 
I honored the agreement and have made 7 payments on time. there was {$2.00} shortfall on one payment due to bank error on a check for {$2500.00}. FCI lender services over charged my account {$160.00} for that. Also, if FCI Lender services had the proper licensing from servicing my mortgage from 2015. 
I have yet to receive a executed Modification agreement or removal of lis pends on my home.. 
Further a QWR was requested over 30 days ago, I have yet to receive proper information
Product: Money transfer, virtual currency, or money service

Cashapp took money off the account that someone had put on there for me not once but a few times in XX/XX/XXXX XXXX of XXXX XXXX of XXXX
Product: Credit card

My business entered into an advertising agreement with a marketing company, XXXX XXXX to help drive sales in a particularly slow part of the year, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. My company agreed to pay {$500.00} installments, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for a total spend of {$2000.00}. I was told the campaign would start XXXX week of XX/XX/XXXX. The advertising agreement consisted of XXXX parts, all equal in value to my company. XXXX part was an early XXXX meet and greet with a XXXX XXXX company and the top performers and owner. XXXX part was the distribution to all of the Realtors of their new company magazine. XXXX part was our ad being in the company magazine. XXXX part was a link being prominent on the XXXX XXXX 's Homepage to an electronic version of the magazine. None of the XXXX part agreement was delivered until after I requested a refund in early XX/XX/XXXX. I then disputed the charges with Chase XXXX Credit Card services. My dispute was that the services were not delivered as agreed. Chase denied the dispute saying there was no 'billing error ' found!? We asked to re-open the dispute. We pointed out that the information that XXXX XXXX supplied proved that they delivered on XX/XX/XXXX the magazine with our ad in it, nearly XXXX  months after the promised kick-off date. They didn't supply any material proving they fulfilled the other XXXX parts of the agreement, only that the magazine showed up XXXX XXXX months after the agreement. 

We supplied email correspondence proving the initial promised date. Chase XXXX Credit Card XXXX took 1 day to drop the disputes again stating that there was no billing error found. My dispute was not of a billing error. My dispute is that the services promised in our agreement were not delivered and/or delivered way too late. 

Bottom line Chase Credit Card Services has denied the disputes stating there is no evidence of a 'Billing Error '. My dispute is not a Billing Error! My dispute is that what I paid {$2000.00} for was not delivered and I want my money back. There was no evidence that the services were supplied, except a copy of a mailing dated XX/XX/XXXX. XXXX XXXX months after agreement.
Product: Credit reporting or other personal consumer reports

My accounts with XXXXXXXX XXXX XXXX AND 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 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  XXXX AND 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 or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Reference Number : XXXX To the XXXX XXXX Department, I am writing in response to your letter dated XX/XX/year>, regarding my complaints about the XXXX XXXX account. This letter serves to clarify my position on this account, reiterate the details of my dispute, and request specific actions from XXXX. 

Summary of My Dispute 1. Identity Theft and Unauthorized Account Activity : The XXXX XXXX account was established fraudulently in my name without my knowledge or consent. This account is a result of identity theft, which has been documented through prior complaints and communications with your organization, the FDIC, and the CFPB. 
XXXX. Inconsistent Information on Account Ownership : XXXX XXXX XXXX closed this account on XX/XX/year>, as fraudulent and stated it would delete its tradeline. However, I later received a notice from XXXX XXXX XXXX XXXX, on XX/XX/year>, claiming the account had been transferred to them, causing confusion and inconsistency about the accounts current ownership and status. 
XXXX. Misleading Credit Reporting : Despite XXXX XXXX XXXX confirming the accounts fraudulent status, the XXXX XXXX XXXX still inaccurately reported on my credit report, specifically with Experian. This reporting is erroneous and has a detrimental effect on my credit standing. 

My Requests Given these circumstances, I am formally requesting the following : XXXX. Permanent Deletion of the XXXX XXXX : I request the complete and permanent removal of any tradeline associated with this fraudulent account from all credit reporting agencies. 
XXXX. Documentation of Account Ownership and Transfer History : I request a detailed history of the ownership and handling of this account, documenting all dates and entities involved in its transfer or servicing. This information is necessary to clarify the inconsistencies and resolve this matter.

3. Immediate Cessation of Collection and Reporting : As the account has been confirmed as fraudulent, all collection efforts and reporting should cease immediately. Please confirm that no further reporting will be made concerning this account. 

Next Steps Please provide a written confirmation of these actions within 10 business days. I am committed to resolving this issue and will pursue further action if necessary. You may contact me by email at XXXX or by phone XXXX Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX  XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

" On XX/XX/2023, I sent a dispute letter to TransUnion concerning accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my credit report that I believed were inaccurately reported or for which I had never provided explicit consent to be reported. Despite providing clear reasons and any supporting documentation, on XX/XX/2023, I received a response verifying certain accounts and updating another without adequate proof or clarity on the method of verification. '' " I believe TransUnion has violated my rights under the FCRA in the following ways : They failed to adhere to the permissible purposes of reporting as stated in 15 U.S.C. 1681b by allowing entities to report without my explicit consent.

The CRA did not seem to follow the proper procedure for a disputed item as laid out in 15 U.S.C. 1681i, given the lack of evidence or clarity provided in their response. 
The continued reporting of inaccurate or unverified information is in violation of 15 U.S.C. 1681e ( b ), which mandates maximum possible accuracy in credit reports. ''
Product: Mortgage

We applied for refinancing in XX/XX/2021. We had no response in XXXX XXXX as to the status. XXXX we received a closing disclosure which was far from the original estimate. We cancelled the process on XX/XX/XXXX because it took way too long and we did not want to miss the low rate window. We confirmed the cancellation on XX/XX/XXXX. We found out that Loan Depot had contacted our insurance company and made themselves the mortgage holder. Our insurance bill which is escrowed was mailed to Loan Depot. They did not pay it and did not return it. No one knew the insurance was not paid until the insurance company sent us a notice of lapse. We had to pay the insurance out of pocket while it is still being escrowed with our mortgage company, XXXX XXXX XXXX. We had a fire during this timeframe, and we had a claim through the insurance company. They could not process the claim quickly because their records had Loan Depot as the mortgage holder, and Loan Depot never held the mortgage at any time. This caused a lot of problems. We are still getting closing documents sent to us from Loan Depot. We are still getting calls from Loan Depot asking if we want to refinance with them. The last closing disclosure was XX/XX/2021. We have already refinanced with another company and closed in less than 2 months. Can you help make Loan Depot take us off their mailing list?
Product: Bank account or service

To whom this regards, I am writing this complaint after my Son and I opened a Scottrade account roughly 3 years ago. The Scottrade account was a joint custodial account with account number XXXX. 

I understand my Son later created a Individual account after turing XXXX, but the subject of this complaint has to do with XXXX. 

I understand that Scottrade suffered a data breach, that left the personal information of many exposed, Scottrade published a Press Release here : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on XXXX XXXX account for months. XXXX and Experian refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian and XXXX did not include my new credit card information with credit utilization rate. I am XXXX XXXX veteran who has XXXX kids. I tried to use my COE issued by US department of Veterans affairs to get VA home loan for my children. 
Credit utilization rate should be included in credit score and credit report. 
My FICO score is XXXX right now today, if XXXX, XXXX and experian update my new credit info, it might be helpful for XXXX XXXX veteran and children. FICO XXXX is better than XXXX for many good reasons for the middle class peoples and veterans. 

Department of Veterans Affairs REFERENCE NUMBER XXXX FOR LOAN GUARANTY BENEFITS SERVICE NUMBER SOCIAL SECURITY NUMBER XXX-XX- # # # # FUNDING FEE Exempt - SC with Monthly Award
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an unauthorized credit inquiry that was made on my credit report by XXXXXXXX XXXX  XXXX The inquiry, which appears to have occurred without my explicit consent, has adversely affected my credit score and caused me significant concern. 

As per the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any inaccurate or unauthorized information on my credit report. Specifically, I believe that the inquiry in question was not authorized by me, and I am requesting that it be removed from my credit report immediately. 

Details of the Unauthorized Inquiry : Inquiry Date : XX/XX/year> Inquiry Type : XXXX XXXX XXXX : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Contact Number : ( XXXX ) XXXX My Full Name : XXXX XXXX XXXX XXXX I kindly request that you : Investigate this matter and provide documentation proving that I authorized this inquiry. 
If you can not provide such documentation, promptly remove the unauthorized inquiry from my credit report. 
Provide written confirmation of the removal of this inquiry and any correction made to my credit report.