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

On XX/XX/XXXX I was forced to make XXXX {$200.00} withdrawals from my checking account. I reported said robbery to the XXXX XXXX Police Department ( criminal complaint # XXXX ). On XX/XX/XXXX I notified Chase Bank of the robbery and had a new debit card sent to me. Chase Bank credited my account {$590.00} within a few days but on or about XX/XX/XXXX took said funds back from my XXXX XXXX direct deposit on the ground that because I, not the perpetrator, used my debit card and pin number to withdraw the money, it was not an unauthorized transaction. However 12 C.F.R. 1005.2 ( m ) official interpretation states that an EFT at an ATM is am unauthorized transaction and I am not liable for more than {$50.00} because I reported the robbery within 2 days. Moreover when a person is forced to make a withdrawal from.an ATM it is the banks funds, not the customer, whose funds are stolen. U.S. v. Johnson 915 F.3d 223 ( 4th Circuit. 2019 ). For these reasons I demand the return of my {$590.00} because the forced withdrawal s were unauthorized transactions and I only have liability of {$50.00} if Chase Bank fails to honor it's zero- liability policy for unauthorized transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, ( XXXX ) Original creditor:XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

Based on, 15 U.S. Code $ 1681c - 2 a consumer reporting agency shall block the reporting of any information in the the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt.

Under 15 U.S Code 1681e ( b ) & 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting 100 % accuracy.

In accordance with Fair Credit Reporting Act, the list of accounts have violated my federally protected consumer rights.

Pursuant 15 USC 1681 section 602A states I have rights to privacy Pursuant 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instruction. 

I am requesting the original copy of the agreement & terms & conditions. Failure to comply will forfeit your claims and will require you to delete all of the listed items above. You are required to do what I'm asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a uniformed decision on XX/XX/2017 when I entered the mentioned consumer transaction. At the time I was not aware of the money or costs it will cost me personal, financially, physically, and mentally, to do any business or extend my credit to this company. I didnt understand the meanings and it was not clear and conspicuous to me at the time. Because of there is no evidence of a debt only these papers of some type of copied papers of statements. The agreement should be voided because I made a uniformed decision and didnt understand. I could have made a better choice if I knew the details in full. 

There has to be more of a better understanding for consumers in these types of situations.
Product: Checking or savings account

On XX/XX/2023, Credit Karma closed my Money Savings Account due to contact information not being updated ( No communication asking to update my address no emails but I did try to update it multiple times and it was denied ) and claims they tried sending the money to my bank that is connected to the account for transfers that I used previously for adding to the account. On XX/XX/XXXX they sent a check to my old address. There was zero communication regarding my account closer or the supposed issue with the bank " reversing '' the money being sent. I contacted my bank XXXX XXXX and there were no attempted deposits from Credit Karma. I reached out to Credit Karma XX/XX/XXXX and found there was no customer service phone number but chats that were continuing to get disconnected. I reached out with my email on the account and received a response hours later. I provided Credit Karma with my Driver 's license, SSN card and two pieces of mail to verify it was my money. I have been told they sent it to a higher department and there is no timeline on when I will hear back. I asked regarding the check that was sent to my old address multiple times and was given an unclear response not knowing if it was cashed or canceled like I asked. I have not heard from them in 3 days and I have been told to wait. I have almost {$10000.00} in this account and I am afraid they will not release the funds. Please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reach out to XXXX  XXXX  about innacuracies on my credit and ask to validate the debt as well as original contract. They have not responded within the legal amount of time and have unaccuries on my credit report and addresses and amounts they can not validate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX  are reporting 3 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Mortgage

I called US Bank to get my XXXX removed at the one year mark in XX/XX/XXXX. They were aggressive and abusive on the phone. They lied saying XXXX could not remove XXXX stating that law requires you to keep it longer. Finally I spoke to XXXX XXXX, their Vice President of XXXX XXXX. He told Me he would get it removed. At that point I had already paid for an appraisal ( they misapplied the funds- this comes up again later ). XXXX told me the XXXX  would be removed as of XX/XX/XXXX. About a month later I received a check from US Bank stating I had an overage. It was the equivalent of one months XXXX. Then in XX/XX/XXXX they sent me a mortgage statement but were adding additional costs that I didnt understand as my mortgage payment was fixed with no escrow account. Them I figured out by calling that they wanted the money for that XXXX  overage back, but were charging me 1/12 for the next 12 months. To make things clear, the first month, I mailed the mortgage payment and the extra 1/1XX/XX/XXXX payment separated so it would be easy to understand. They screwed it up. For the last four and half months I have been working to get their payments department to correctly identify payments so the XXXX  would be fully paid off. I mailed in full amount so I wouldnt be paying it off monthly for the next year. I have spent no less than 18 hours working with them to fix their errors. Last Friday I received XXXX notices of foreclosure. Today I received a mortgage statement stating I owe over {$9500.00} dollars. I have made every single mortgage payment. This type of problem is very emotionally distressing. On top of all this when we closed on out loan, 3 months later US Bank sent more new disclosures stating they had done the disclosures wrong during our closing. Im XXXX exhausted. I need the regulating agency to investigate US Bank and their abusive practices to their customers.
Product: Credit reporting or other personal consumer reports

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.I have not supplied proof under the doctrine of XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Product: Debt collection

CFPB HAS NOW SUED EXPERIAN FOR ILLEGAL ACTIVITY AS XX/XX/XXXX DO TO CONSUMER NEGLIGENCE WHEN ALLEGING " INVESTIGATED AN ACCOUNT THAT DISPUTED ''. I HAVE SENT IN ALL DOCUMENTATION TO EXPERIAN AND EXPERIAN HAS FAILED ONCE AGAIN TO REMOVE FRAUDULENT XXXX XXXX ACCOUNT. OTHER BUREAUS SUCH AS XXXX AND XXXX XXXX HAVE REMOVED FRAUDULENT XXXX XXXX ACCOUNT. ( XXXX, XXXX ), ( XX/XX/XXXX ). This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681 c-2 ) that you the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days you receiving this complaint. This fraudulent, inaccurate, and false information consists of an automobile account opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) This account has resulted in several fraudulent hard inquiries and fraudulent collections that is " written off '' meaning paid with a 1099 C and company did not provide any documentation to consumer. Every month fraudulent company is reporting on consumer report which is illegal and has no permissible purpose. Fraudulent collection ( s ) appearing on my consumer FICO credit report. 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 ( XXXX ) 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: Mortgage

I am US Military Member currently XXXX. On or around XX/XX/XXXX I logged on to the OCWEN website a made a mortgage payment as usual. I make the pay on the XX/XX/XXXX of every month because this home is a rental and I usually do not receive the funds from my property manager till around that time. I do not know what happened, but I guess the payment did not go through. Since I am XXXX and do not have access to my phone number from home, or my mail I did not know that the payment did not go through. I was not contacted by email that my payment had not been made either. I then made a usual payment in XX/XX/XXXX online, I still did not notice that I had a delinquent payment because I had no reason to look for it. Some time towards the end of XX/XX/XXXX I got a email that it was reported on my credit that I had a late payment for my XX/XX/XXXXpayment. I then looked online at the account and caught the error. I immediately brought the account to current status and contacted the company about the error in payment processing. I relayed to them that I was XXXX at did not have access to the cell number listed, or my mail so I did not know that the payment did not go through. I sent them a email to request that the late payment be removed from my credit history since this was indeed a true error. I asked that they look at my payment history and see that I have never missed a payment. I also sent a copy of my orders for them to verify that I was XXXX  and did not have access to the listed phone number, or mailed statements.
I have worked very hard at keeping good credit history and if I was truly not making a payment I would see why they would not remove this. But given the circumstances surrounding it, I do not think it is fair to keep this on my credit history. If I was not XXXX this would have never happened because I would have received a courtesy phone call, or a notice in the mail ensuring that I caught the error and made the payment before it was considered 30 days past due. This will now affect my credit history for up to 7 years, and I not believe this is right to do to service members. 

I tried to correct with the company but they would not remove it from my account or credit history.
Product: Debt collection

I have told this company to cease communicating with me about these two accounts ( XXXX and XXXX ) and they are still communicating with me indirectly via credit reporting. The fdcpa states that once a consumer notifies a debt collector in writing of refusal to pay or to cease all communications, a debt collector may not communicate with the consumer. In that act, the term communication is defined as " conveying of information regarding a debt directly or indirectly to any person through any medium '' and credit reporting is an indirect medium. I demand this company to cease all reporting and to compensate me for violating the Fair debt collection practices act.
Product: Debt collection

Cash Time Title Loans XXXX XXXX XXXX XXXX, Arizona XXXX Subject : Dispute of Late Payment Request for Correction Dear Cash Time Title Loans, I am writing to formally dispute a late payment reported on my account XXXX due to improper application of my payment, in accordance with 15 U.S. Code 1666b of the Fair Credit Billing Act ( FCBA ). 
According to this federal law, a creditor must credit a payment on the date it is received, unless there are specific delays due to improper submission by the consumer. I made a payment on XX/XX/year>, which was processed under the guidelines set forth. However, despite timely submission, I was unfairly assessed a late fee and/or reported to credit bureaus for late payment. 
To resolve this matter, I respectfully request the following actions : XXXX. Immediate reversal of the late fee applied to my account. 
XXXX. Correction of any negative credit reporting related to this disputed late payment. 
XXXX. Written confirmation that my account is in good standing. 
I expect your prompt investigation and response to this matter within the required 30-day period under the Fair Credit Billing Act. If this issue is not resolved appropriately, I may escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) or other regulatory authorities.

Please provide written confirmation of the resolution at your earliest convenience. You may contact me at ( XXXX ) XXXX or XXXX for any further information. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent this identity theft report certified mail, and they claim to have never received it, even though i have the receipt. i need them to follow the law and " Block the items listed '' while the conduct their investigation. 

i am XXXX XXXX representing myself, and i will tolerate any " Stall Tactics '' of trying to say you need verification of who i am. I have a picture on my ID as part of the Affidavit. whatever consent you need. i am granting it right now as XXXX XXXX.
Product: Credit reporting

I can not seem to access Equifax in any sort of XXXX XXXX, so i can not file a complaint [ as well as their information being SO incorrect, I ca n't pass their 'verifications ' test ] I have been trying to get them to Correct the amount owed on a bill in collections, to reflect a " paid in full/closed '' balance. The debt collector reported to Equifax , a remaining balance of {$77.00}, down from over {$200.00}, but i paid the bill, in full, in XXXX. I have a receipt from the collection agency with the corrected {$0.00} balance, with no way to upload a digital copy. Equifax makes it exceedingly difficult to contact them if you can not manage to online. I Need this negative report off of my credit report as it has affected my ability to obtain other utilities since paying the debt off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going over my report I found some account and addresses on my file that do not belong to me. I am in the process of filing a police report. I have never lived in XXXX OHIO. The following addresses need to be removed from my credit report. Someone has been applying for account for credit/business in my name. 
My name is XXXX XXXX XXXX My current and only address is :XXXX XXXX XXXX XXXX, OH XXXX My phone number is XXXX please DELETE/REMOVE the following addresses they are not mines : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX The inquires are not mines please delete/remove 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 or other personal consumer reports

I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence.

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft.

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : XXXX XXXX XXXXE XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I had prepaid {$800.00} for a class and was not able to attend. Prior to the class starting I requested a refund and it was granted without penalties or fees.On XX/XX/XXXX I was charged {$400.00} for a room at a XXXX XXXX. I disputed the charge for one night and was given a credit for the full amount and a letter that interest would not be applied.On XX/XX/XXXX I paid a food bill for {$1400.00}. The amount that was on my statement was {$1900.00}. I disputed the charge and received a letter from Chase Card Services that the food company had added a tip of {$200.00} without my permission. Chase Card Services on XX/XX/XXXX granted me a credit for the {$200.00} and said there would be no interest of fees charged. 
Chase is sending demand letters for interest that started at {$33.00} and have now escalated to {$62.00} and climbing.
Product: Debt collection

There is a collection account on my XXXX and XXXX account from receivables performance. Original creditor was XXXX. Paid XXXX in the amount of {$590.00} and was told this would be removed from my credit report on all bureaus. It is still on both XXXX  and XXXX
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 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 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 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow up complaint of my credit reports and Im very upset about the result that I have received. These inquiries are unauthorized reporting in XXXX and TRANSUNION XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX
Product: Debt collection

the dates are wrong on this account dates of last payment should be XX/XX/2018 and not date absolute bought the account and balance is not correct, need account number and name of company for my research XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was assessed with a wrongful 30 day late payment. This was on the onset of covid when my hours at work were dramatically decreased. I made my minimum payment of XXXX on XX/XX/XXXX ( 29 days late ) my due date is XX/XX/XXXX. Since then I have paid off the card and my balance is XXXX. When explaining this to them they had no mercy and wouldnt make an adjustment to my credit report. Similar to in XXXX   when I had auto pay to a different bank account and they wouldnt remove the late payment. I understand being firm on policy but for a customer of 3 years to not be understanding during a worldwide pandemic is not encouraging as a customer. This is preventing me to qualify for a mortgage and effecting my quality of live.
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. 

U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a5 ) 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.

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.