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

My debit card was used for an unauthorized transaction at XXXX XXXX, I reported the transaction to chase bank and told them it would be impossible for me to charge that amount- my card was charged exactly for the amount leftover in my account. I was not in the area at all, the date the charge was posted I was at work and did not notice until after. They started the " investigation '' and I just got off the phone with a chase bank representative and was told that because it was a chip transaction I had to be there. I repeatedly insisted that I was not there and they told me because my card was previously in my possession and not missing there was not much that could be done. I did not buy shoes and I was not there when this was charged to my account, now I have to reach out to XXXX XXXX and see what I can do because chase was unable to help me
Product: Credit card

A private ledgering instrument was sent to AMERICAN EXPRESS Card Services for the account number XXXX, they credited my account for {$10000.00} for payment sent in May and processed the XXXX of payment on XX/XX/XXXX which was the XXXX of payment of {$10000.00} has since been reversed on XX/XX/XXXX over 60 days saying it was declined, I've ask American Express to please return XXXX of payment and documentation of the decline XXXX of payment so that I may address the issue of payment, instead they have kept said XXXX of payment and have since securitized it and no longer possess the XXXX of payment. 
Please see the attached sample of all documents and the need to correct their billing error. I have also instructed AMERICAN EXPRESS Card Services to contact the IRS commissioner if they do not understand what to do with XXXX sent for this account # XXXX. Re : XXXX OF PAYMENT TO CREDIT ACCOUNT In the matter of XXXX XXXX XXXX, Account number XXXX, concerning CREDIT on account and as of to-date my account is still missing the XXXX  of payment of {$10000.00}. I also sent an additional XXXX of payment of {$15000.00} and it was received however when I logged onto my online account I did see where they have the {$15000.00} in XXXX and that is also attached, Then I sent a payment by money order of {$15000.00} and that was never credited nor returned. Now American Express has over {$40000.00} in XXXX of payment credits not applied to my account. In XXXX of XXXX, another form of XXXX was sent in the amount of {$40000.00}, hereinafter XXXX, for the credit of Account Number XXXX, hereinafter ACCOUNT was e-filed with the Internal Revenue Service, and duly accepted by same. IRS acceptance notification received, by the Undersigned, on XX/XX/XXXX. Therefore, XXXX XXXX XXXX, requests that the balance of the ACCOUNT be adjusted to reflect the ledgering of said XXXX  of {$40000.00} and the XXXX of {$40000.00} accepted by the IRS to send credit to AMERICAN EXPRESS Card Services. Please note that contracts requiring legal money such as cash, check, money orders, bank transfers, wire transfers, and Federal Reserve Notes ( DOLLARS ) are illegal and unlawful by Title 31 U.S.C. 5118 ( d ) ( 2 ) ; 31 U.S.C.A. 463 ; and Public Law 97-258 ( XX/XX/XXXX ). XXXX XXXX XXXX has XXXX private credits through the use of XXXX XXXX XXXX XXXX account to credit this matter. There is no intent to act in any fashion other than to properly reconcile the books and credit the matter accordingly
Product: Credit reporting or other personal consumer reports

Subject : Request for Documentation and Compliance with the Fair Credit Reporting Act Dear XXXX XXXXXXXX, I am writing to express my concern over the continued reporting of a charge-off account on my credit report, which I believe to be inaccurately reported. In light of this, I am formally requesting documentation to verify the accuracy of this reporting, as is my right under the Fair Credit Reporting Act ( FCRA ). 

Account Details : XXXX XXXXXXXX Account Number : XXXX Reason : Please Explain how youre reporting a Balance and past due amount on a closed/Charge-Off account. 
Instruction : Please delete due to a violation of 15 U.S. Code 1692g - Validation of debts XXXX XXXXXXXX Account Number : XXXX Reason : Please Explain how youre reporting a Balance and past due amount on a closed/Charge-Off account. 
Instruction : This is a violation of my consumer rights, please delete immediately It is imperative that I receive concrete evidence showing that your reporting of this charge-off is entirely accurate. My objective is to ensure that my rights under the FCRA are not being infringed upon, especially regarding accurate and fair credit reporting practices. 

Given the serious implications of inaccurately reported credit information on my financial health, I urge your company to review this matter promptly. If the reporting of this account can not be verified as accurate, I request its immediate deletion from my credit report to comply with the FCRA 's requirements. 

I appreciate your immediate attention to this request and expect a timely response to this matter. Ensuring the accuracy of credit reporting is not only a legal obligation but a matter of financial integrity and consumer trust. 

Sincerely, XXXX XXXX
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 confidentially under 15 USC 1681. Convergent Accounts # XXXX ( XXXX XXXX XXXX {$850.00}, XXXX XXXXXXXX {$800.00}, XXXX {$0.00}, Capital {$700.00} has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following Items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 the information is inaccurate. I sent serval disputes to these companies and they yet to follow you guys rules and laws. I am ready to take legal actions if I don't get a fair and proper insvestagation or these fraudulent accounts be remove immediately.
Product: Mortgage

The Company NEWREZ LLC XXXX, SHELLPOINT MORTGAGE SERVICING NMLS # XXXX. Shellpoint Mortgage Servicing XXXX XXXX XXXX. XXXX, SC XXXX. 
Has continually failed to credit a payment from the previous mortgage service. 
That company is XXXX XXXX XXXX ie XXXX loan servicing. 

I have made many phone calls to Newrez Shellpoint to resolve the issue. They acknowledged the error on their end as showing debit instead of a payment. I believe this discrepancy is from the XX/XX/year> payment from me to XXXX company. That payment is documented in my XXXX files from my XXXX XXXX account. 

I have made a previous complaint regarding this issue in which the company responded however the problem has not been resolved and is ongoing.
Product: Credit reporting or other personal consumer reports

There is a collection being reported on my credit report byt XXXX XXXX XXXX that is inaccurate. I have contacted all three bureaus twice and still have not received the documentation that I requested. I have also contacted the Creditor and have not received verification of this debt. This is an inaccurate debt that was originally reported by XXXX XXXX XXXX XXXX where I never lived. I have also tried to contact XXXX XXXX XXXX and they can not help me. 

Please see the attached documents of letters I have sent to the credit bureaus as well as a letter I sent to XXXX XXXX XXXX. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 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 shalli ) 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.

Please remove the following items from my credit report, immediately : XXXX : XXXX Balance {$5900.00} Original Creditor : XXXX XXXX XXXX XXXX  Act. # XXXX Opened XXXX Reported XXXX : XXXX Balance {$5900.00} Original Creditor : XXXX XXXX XXXX XXXX Act. # XXXX Opened XXXX Reported Unknown Condition Experian : XXXX XXXX XXXX Balance {$5900.00} Original Creditor : XXXX XXXX XXXX XXXX Act. # XXXX Opened XXXX Reported Closed Condition I have been working on this resolution since XXXX and it is having a severe negative impact on my life. THIS IS INACCURATE!!
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with platform. Despite using zelle numerous times and reporting discrepancies, my financial institution and zelle failed to investigate claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB findings indicate that zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card

Spouse died on XX/XX/2023. I phoned to cancel all credit cards. Every bank did so successfully, except Citibank. I mailed death certificate 3 times to Citibank via US Post Office. I phoned 6 times. I tried to cancel via chat. Citibank has mailed to my dead spouse, 3 new credit cards. Yesterday, XXXX, I received the 3rd credit card. I called XXXX to cancel and to ensure that this card is not activated. Citibank refused to cancel the card. There was a balance of XXXX when I phoned to cancel the card the first, second, third, fourth, fifth, and sixth time. Please help me to cancel this card sent to my dead husband.
Product: Credit card

I am experiencing financial hardship and enrolled in the XXXX XXXX with Concora Credit on or about XX/XX/year>. This program reduces my APR to 0 % and minimum payments to {$10.00} monthly. 

When enrolling with a representative, I specifically asked about credit reporting to prevent further delinquency, and was advised that an initial payment of {$30.00} would bring my account current within 2 business days. I made the {$30.00} payment on XX/XX/year>. 

My account was not brought current until XX/XX/year>, which resulted in a XXXX delinquency reported to the credit bureaus in XX/XX/year>. As a note, I called Concora after receiving notification of the delinquency, advised of the discussion when enrolling into the workout program, and requested both my account to be brought current and the delinquency to be removed. The account was brought current from my inquiry, but the credit reporting was not updated. 

I believe the delinquency is inaccurate, and as I previously advised Concora of this, they have violated FCRA. I also believe Concora has violated UDAAP, because I took specific action based on information provided and was caused significant harm.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX  XXXX  # XXXX, Account name : XXXX XXXXr # XXXX, Account name : XXXX XXXX # XXXX has violated my rights, I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXXXXXX XXXX  XXXX Balance : {$6700.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$6700.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$6700.00}
Product: Debt collection

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

FRANKLIN COLLECTION SV XXXX AMOUNT : {$580.00} This is what I'm requesting for debt validation : I'm requesting the chain of custody for this account and pursuant to the Freedom of Information Act, I'm requesting all of the accounting for this account, public and private in accordance to XXXX. You have 14 days to supply this information or delete this trade line from my consumer report before and pursue litigation against you for violations of the FDCPA.
Product: Money transfer, virtual currency, or money service

Our business checking account at Mercury Bank ( https : //mercury.com/ ) was sent two wires from XXXX XX/XX/2023 and XX/XX/2023. Mercury failed to inform us that there were issues with their wire transfer infrastructure. The wires totaled $ XXXX. Their customer service has been unresponsive, and it's been 16 days since investigation with no response.
Product: Mortgage

I disputed an inaccuracy in the reporting from a Bank of America home equity loan. The loan and balance were transferred to another company in 2013. After I disputed an inaccuracy, Bank of America is now reporting my loan as being currently delinquent with a 30 day late status, even though the balance is showing {$0.00} and it was transferred. I was denied a loan because of this and I am very upset.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working very hard on my credit report and on XX/XX/2023, I paid down my XXXX XXXX card a XXXX XXXX  dollars ( with a balance still there, just it went down {$280.00} ) and on XX/XX/XXXX, EQUIFAX reported that my score went DOWN XXXX points BECAUSE of this action. And the notation below it says NICE WORK! 

On Sunday, XX/XX/XXXX, I called EQUIFAX. I spoke with a representative for about an hour ( hold times, etc ) and she told me that it COULD be resolved. Then I was cut off after about and hours time, and had to start all over again. 

The second time, after escalating it to a supervisor bc I was cut off the first time ( they say they are unable to return calls if they drop them by accident ) The company refused to do anything about it after I spent over two hours total on the phone, on Sunday, and all the upper level supervisor would say that its an automated system and they have no idea why it goes up or down. And there was NOTHING he could or would do. The first representative should have told me this and not wasted all my time and tears.
Product: Credit reporting or other personal consumer reports

I am attempting to gain access to home refinancing however, have received a much higher XXXX due to a lower XXXX XXXX which in part is due to JP Morgan Chase Bank falsely reporting an incorrect status on ( XXXX ) accounts which show on my XXXX XXXX credit report as a " Charge Off '' however, I entered into a payment agreement with them several months ago and have made every payment as agreed. I contacted JP Morgan Chase Bank XX/XX/XXXX, respectfully requesting the status be updated to show as paying as agreed or other positive status to report accurately based on our agreement, which coincidently was only agreed to on my part do to threats of attorneys taking me to court for judgment. 
The agent I spoke with XX/XX/XXXX, stated that the status was accurate and would " Not '' be changed. I voiced my concerns again and stated that it was fraudulent and they could not report as a charge off ( 15 U.S.C 168 ( 2 ) ( a ) ( i ), which if I am reading correctly states a charge off is " Income '' and can not be reported on a credit report. She still refused to make any changes so I ended the call stating I would be pursuing this via all legal avenues available and requested verbally a Cease and Desist on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the Experian for sure. The correct PAYMENT HISTORY is not reporting correctly for my XXXX Card # XXXX. It's showing only 2 months when it should show 5 plus years ... Please correct history ASAP!
Product: Credit card or prepaid card

i am missing over XXXX dollars from my relia card pre paid deposits alone that is just deposits about XXXX in purchases each month since XXXX have been made to my account and i have called several times to request that the funds be returned. what i have found out is that my neighbor and several others she is connected to are working in customer service through us bank relia card and possibly twc. through the company conduit! in XXXX XXXX tx they have stolen my stimulus check and transferred money from my rbfcu account they have taken a lot out of my accounts and used my social security for various fraud inqueries. i have called and called have done a lot to try and resolve this issue i also am uncertain of how many others they have done this too. XXXX and apparently XXXX a XXXX XXXX and a lot of other people entrusted with goverment funds and confidential information are using it to take money from every unknowing XXXX in the united states! please help this also includes my smi one account and irs tax refund
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit union regarding multiple overdraft fees that I incurred. Despite having sufficient funds when transactions were authorized I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent XXXX findings against Navy Federal for similar practices were transactions settled with insufficient balances despite initially available funds I believe these practices are unfair and request an investigation into my account
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my credit report, I notice an account from XXXX XXXX XXXX that I believe is not being reported correctly on my credit report. XX/XX/2021, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. ( See Attached ). After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2021, ( see attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the three credit bureaus, along with my incident report, ( which is attached ), asking them to verify or remove the negative report on my credit report that XXXX XXXXXXXX XXXX  is reporting. So far, I have not gotten a response. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Product: Debt collection

I received 2 letters from Wakefield and Associates, LLC stating that they were collecting debt for XXXX XXXX XXXX XXXX XXXX XXXXXXXX I fille out the bottom section of paper stating that it wasn't my debt and that I wanted information on what this supposed debt was and who it was to. Almost three months later they sent another letter stating that the name and address of the original creditor for XXXX XXXX XXXX XXXX XXXX XXXX  was included in previous letter, which it wasn't. To my knowledge all my medical bills were covered by my insurance through XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, and i didn't have any visits for XXXX XXXX. And I never recieved any bill from this XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It is very clear that Equifax and XXXX are providing false information on my credit report, worst is, when I contacted them to dispute the accounts and ask for evidence or proof of ownership, they could not supply one.. CFPB amp up and remove XXXX XXXX XXXX XXXX
Product: Debt collection

I paid my XXXX water account in full XX/XX/XXXX, Southwest credit systems called attempting to collect {$330.00} in XX/XX/XXXX, I verified with the XXXX XXXX XXXX all bills had been paid and informed SWCS that the account was paid in full. SWCS Called back again in XX/XX/XXXX attempting to collect the same debt. I informed them again the debt was paid in full in XX/XX/XXXX. In XX/XX/XXXX SWCS put a collection on my credit report, I informed them again that it had been paid and I could send them proof, they informed me the only way to send them correspondence was via mail. I spoke with a supervisor and she said she would verify with the XXXX XXXX XXXX the account was paid and I have not heard back. I disputed the record on experian and it was upheld.