23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XXXX XX/XX/year> a company by the name XXXXXXXX XXXX XXXX in XXXX XXXXXXXX XXXX allowed someone to give them my credit for a rental car I have no knowledge of upon me in a store trying to use my Chime Bank credit card I was informed that I had insufficient funds in my account that's not possible so I check with my bank and was told that the XXXX XXXX took {$560.00} from my account I did a dispute plus call the car rental place they informed me that I was not in their system so I informed the bank Chime I even had both parties in the phone and the XXXX company informed Chime Supervisor that they have no record of me dealing with their company and how can they assist in getting my money back to my account the supervisor at Chime Bank informed Chime that I would have to wait until their investigation was over so then I asked how long it's been pass your company time flame and I have bills I have to pay XXXX and XXXX XXXX that's due in XXXX days they have already gave me extension basic on this investigation and now your company is informing me that you have until XX/XX/XXXX for what when this company just informed you that they have no record of me in their system really? I am getting no were with both parties in this matter and it's not fair for me to keep waiting on my money when I have already asked Chime Bank not to allow no merchant to take money out of my account without my permission and they keep doing it I receive {$1300.00} every month from Social security. It's bad enough that I had a secure account with Chime and the claim I spent that money when I was doing transactions with my credit builder card how when I was spending money from my check from social security deposit! Once I receive my money I withdraw it to pay my own bills what bill I pay using the money from my secure account? XXXX minute I had {$700.00} and then it went down to {$100.00} the went up too {$1300.00} down to {$800.00} this don't make no sense to me when did I spend this money on what explain this to me please I will send in statements to prove how this bank is getting over on customers
Product: Checking or savings account

I have {$2500.00} in Albert Corporation bank, " not bank '' account. Since I can not access the account, I wish to close it and receive the balance of {$2500.00}. 

A representation from Albert keeps referring me and complaints to the customer service email, which has not responded to confirm about closing the account. 

I am unable to close the account via the Albert APP, which is my only account access. However I can not access my own funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

As dated XX/XX/2022, I, XXXX XXXX, Consumer. According to TransUnion LLC, dated on XX/XX/2022 have Verified Account XXXX XXXX # XXXX reporting as VERIFIED AS ACCURATE. TransUnion LLC, XXXX XXXX who is in fact is TransUnion LLC Chief Financial Officer ( CFO ) pursuant to 15 U.S. Code 1681e ( b ) 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. XXXX XXXX who is In FACT TransUnion LLC Chief Financial Officer ( CFO ), TransUnion LLC, I, XXXX XXXX am DEMANDING TransUnion LLC to provide documentary evidence to prove that TransUnion LLC have followed reasonable procedures to assure maximum possible accuracy according to the Fair Credit Reporting Act pursuant to 15 U.S. Code 1681e ( b ). This notice shall not be construed for any reason. If TransUnion LLC willfully and intentionally fails to provide proof of reasonable procedures to assure maximum possible accuracy, TransUnion LLC, XXXX XXXX who is in fact TransUnion LLC CEO ( chief executive officer ), XXXX XXXX in fact is TransUnion LLC CFO ( Chief Financial Officer ), shall be fined {$1000.00} ( PER DAY ) for negligence noncompliance pursuant to FAIR CREDIT REPORTING ACT 15 USC 1681o ( a ) ( 1 ) until the day of deletion ( s ) of the mentioned account ( s ) from XXXX XXXX XXXX XXXX XXXX and until the day TransUnion LLC have proof of full compliance of federal law ( s ) 15 U.S. Code 1681e ( b ) Upon receipt of this notice THIS NOTICE SHALL TAKE EFFECT IMMEDIATELY WITH PREJUDICE!! ALL LEGAL ACTIONS WILL BE TAKING!! Thanks, best regards.
Product: Credit reporting or other personal consumer reports

I would like to bring to your attention that an account on my credit report is incomplete full of errors and does not meet the standards ; according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well. 

In accordance with the Fair Credit Reporting Act This account has violated my rights : XXXX XXXX ( XXXX ) - ( XXXX ) XXXX Account # : XXXX This account is inaccurate, incomplete and not adhering to compliance standards. 

According to the FCRA and Metro 2 compliance reporting standards, the information listed above is my most up-to-date personal information. If what Equifax have on file for me doesn't match what's listed, then there are problems with either Equifax records or those who provide them for verification purposes. In order to comply with FCRA and METRO 2 compliance regulations, my profile must be accurate and thorough. Equifax must finish the information verification within a reasonable time frame and be able to evaluate and confirm all of the information in my credit report. I require that any mistakes be fixed permanently, and the above account removed. 

According to the FCRA, 15 U.S. Code 1681 section 602 A. States I have the right to privacy. 15 U.S. Code 1681 Section 604 A. section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my right under USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 it also says a consumer reporting angency can not furnish an account without my writen instructions. Under 15 USC 166 b a creditor may not treat a payment on a credit card account under a open credit plan as late for any pourpose and they need to be removed.
Product: Mortgage

I recently received a statement from Wells Fargo, the mortgage holder for my home mortgage, increasing my monthly mortgage payment by {$71.00} per month. ( This is for a fixed-rate mortgage, not an adjustable-rate one. ) Wells Fargo has done this before, and when I called them regarding this issue, they told me that it was to cover the increase in my local property tax, which they pay, as it is included in my mortgage payment. However, I checked with my local town assessor 's office, and they told me that that although the property tax had increased slightly from the previous year, it was nowhere near the increased yearly amount Wells Fargo was demanding per month. I did call the assessor 's office this morning, and they told me that the tax for fiscal year XX/XX/XXXX had increased slightly from XX/XX/XXXX but nowhere near the total of the monthly increases for the year, and that the rate for XXXX will not be determined for another two months. I suspect that Wells Fargo is increasing the payment for all of their mortgagees to cover the costs of the fines imposed on them as a result of the recent scandal involving fraudulent accounts created without the knowledge or consent of their customers. I want to know whether it 's legal for Wells Fargo to transfer the financial burden it has suffered as a result of their malfeasance to their unsuspecting mortagees, and if it is not, what action I can take to remove the unwarranted increase in my monthly mortgage payment. 
I would appreciate a prompt reply to my inquiry, as my mortgage payment is due XX/XX/XXXX. 
Thank you.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 5 closed accounts. These fraudulent accounts are with XXXX XXXX opened on XXXX XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. It was also noticed that the addresses and names on the account were also not recognized. These accounts have resulted in several fraudulent hard inquires, soft inquiries and fraudulent collection appearing on my consumer FICO credit report Everything questioned is listed as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, soft or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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: Credit card

I received an email on XX/XX/XXXX  from my long-time credit card provider Citi. The details therein suggested : Now you can see the merchants and wallets who have your card information saved on file via the XXXX XXXX XXXX on Citi Online in addition to the Citi Mobile App*. Further, Have you recently closed a card or received a replacement card? Youll see the merchants/wallets where your new card information was updated automatically, plus where youll need to update the information manually. 
While I was initially excited about this new feature, once I checked my account, I was upset to find that Citi, if the email is correct, had potentially updated my replaced or otherwise new credit card number ( s ) to merchants that I have not done business with for many many years ; this practice seems completely negligent on their part, considering they have the details to know that I have not paid for service with near half the companies listed, again, for many years! 
How is it that they should not give the customer an option to automatically update credit card details with a specific merchant ; anything less and Citi is unnecessarily putting customers at financial risk?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have applied to several positions for work and on three separate occasions, the reports came back with INCORRECT information that belonged to another individual, but were associated with me. This occurred twice with XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX and XXXX/XXXX/XXXX XXXX and once with Accurate Background XXXX XXXX/XXXX/XXXX XXXX. All three times it was the same information that appeared and I appealed each incident. I did not hear back from Accurate Background. I do not feel confident that they will correct this error, even with the information I gave them. I feel this incident will fall by the wayside again and my reputation and background will look much worse and jeopardize any potential future employment opportunities that I may have. The person that I am being associated with is named " XXXX XXXX '' and on the records the notes say that his middle name was taken down as " XXXX ''. That is not my middle name, nor is XXXX my last name. The incidents that occurred all took place in XXXX, IL. I have never lived in XXXX, IL or been arrested there ever in my life. My residential history will also confirm this and will conflict with the reported dates of the charges associated with XXXX XXXX XXXX. These include : 1 ) XXXX XXXX ( XXXX/XXXX/XXXX ) 2 ) MXXXX XXXX XXXX ( XXXX/XXXX/XXXX ) 3 ) XXXX XXXX XXXX XXXX XXXX ( XXXX/XXXX/XXXX ) 4 ) XXXX XXXX XXXX XXXX XXXX ( XXXX/XXXX/XXXX ) 5 ) XXXX XXXX XXXX ( XXXX/XXXX/XXXX ) 6 ) XXXX XXXX XXXX ( XXXX/XXXX/XXXX ) 7 ) XXXX XXXX XXXX XXXX ( XXXX/XXXX/XXXX ) 8 ) XXXX XXXX XXXX XXXX ( XXXX/XXXX/XXXX )
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

AXXXX 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 disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Processed Late Due to System Issue : My payment was made on time, but XXXXXXXX XXXX system delayed processing it. I have attached a copy of my bank statement showing the payment was initiated before the due date. 
Incorrect Reporting Due to Account Closure : The account was closed, and no further payments were due. Despite this, the payment was incorrectly marked as late. Attached is the communication from XXXX confirming the closure of the account with no outstanding balance. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

My parents, who are now both deceased, had joint checking and savings accounts with Chase. After their deaths, I personally presented to their local branch the documents that the Chase employee there instructed me would be necessary to begin the process of closing those accounts and getting those funds disbursed. I presented those documents in XX/XX/year>. There followed some back and forth between that local branch employee, the back office, the legal department. Ultimately, my attorney communicated with the local branch employee as to what exactly Chase required. The resulting document was recorded and I personally presented it to that Chase local branch on XX/XX/year>. As of XX/XX/year> I had received no communication at all from Chase Bank. On that date I drove the XXXX miles to the branch, again, and asked for an update. The employee handling my case was not in, so I was sent away with the promise that someone would reach out to her and then give me a call. I did receive a call later that afternoon and the update went like this : We are just the middle man between the back office and the legal department and youand we are still waiting for a response from the back office or legal. Its been over XXXX weeks since I delivered that document.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Bureaus was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX & XXXX ( Original Creditor : 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
Product: Money transfer, virtual currency, or money service

On XXXX I tried to call XXXX to fix an order. The people said the XXXX account has been compromised. They had me use XXXX to transfer XXXX XXXX They said the money would not come out. I was scammed. They bought XXXX XXXX cards and also too money from my XXXX account. Bank of has refused to give me the money back. I have made a Sherriff report and also reported to the FBI. I have made multiple calls and gone into the bank many times. I just get letters stating that I sent the money and need to get it back from whoever I sent it to. They also had me get an App called my desk and sign up for Crypto currency through moon. I read about scams and Regulation E. Can you please help me? Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize these inquiries on my report XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  Bureau XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Bureau XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX Bureau XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX BANK XXXX XXXX Finance XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  Bureau Inquiries XX/XX/XXXX Equifax XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Bureau Inquiries XX/XX/XXXX Equifax XXXX - XX/XX/XXXX XXXX XXXX XXXX Mortgage XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Bureaus/XXXX Processing XX/XX/XXXX
Product: Credit card or prepaid card

I have a XXXX XXXX credit card through XXXX XXXX. My annual fee of {$95.00} posted to my XX/XX/2018 statement on XX/XX/18. I immediately requested to close the card and get an annual fee refund. I did not owe any balance, other than the {$95.00}, at the time. I was assured the account would be closed, I didn't have to pay anything more, and that the annual fee would be waived within two billing cycles. The XX/XX/2018 and now the XX/XX/2018 statements have cut and I still have not gotten the annual fee waived. Also, I was recently charged a {$25.00} late fee for not paying, at their direction, the minimum due on the XXXX statement. They also charged me {$2.00} in the minimum interest per the credit card agreement, even though I was told not to continue paying since the annual fee would be refunded. This did not happen for the XX/XX/2018 statement because I had automatic payments on, which paid the {$25.00} minimum. The {$2.00} interest charge and {$25.00} late fee were waived on XX/XX/18 at my request. However, the XX/XX/2018 statement just cut and now there is another {$2.00} interest charge posted. Also, my account, when logging in online, says I am delinquent and that I need to pay the minimum payment due, even though I was told by numerous customer service reps since XXXX in various chat sessions, that I did not need to pay anything. This has been " escalated '' two or three times since XXXX and there has never been a resolution.
Product: Credit reporting or other personal consumer reports

I mailed in a dispute about the wrong middle name, employment history and telephone number ( s ) and hard inquiries that were unfamiliar. I was sent a letter back stating the information I was disputing was not in fact on my credit report at all. The information is still wrong!! My name is not XXXX XXXX XXXX XXXX my name is XXXX XXXX XXXX. The work history should be my business XXXX XXXX XXXX XXXX. and no other 's on there. I should only have XXXX XXXX XXXX as my number. Also, I shouldn't have but two inquiries on my report and those are XXXX and XXXX these are recent inquiries.
Product: Credit reporting or other personal consumer reports

This is the follow up complaint. I'm a victim of identity Theft. My information has been exposed in the Equifax data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 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 XXXXXX/XX/XXXX
Product: Debt collection

Made many attempts to contact XXXX to see why this exists and who it belongs to. They have not provided a legitimate answer as the reps do n't ha e access to view as it has been transferred to another department. I am sure the debt is not mine as I currently have an active XXXX account that is in good standing and was given to me with no issues.
Product: Credit reporting 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. 

Account Name : XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 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.