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

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

First of the CFPB has taken action against Portfolio Recovery Associates for using deceptive tactics to collect bad debts. My debt is completely inaccurate where Portfolio Recovery lacks documentation and trying to enforce collection without verifying the alleged debt. 

Portfolio Recovery Associates has failed to comply with the Gramm Leech Biley Act 15 USC 6802. They never gave me the ability to opt out and used my information without my permission, which is identity theft. 

There was also no Permissible purpose for Account # XXXX and Account # XXXX to be listed on my credit report. Both permissible purpose law ( 15usc1681b ( A ) ( 2 ) and the GLBA have been violated and it is identity theft.

According to 18 USC 1028 ( a ) ( 7 ), it defines identity theft which is just someone possessing, transferring or using a means of identification of another person unlawfully. This is what took place. 

XXXX, XXXX, XXXX and Portfolio Recovery Associates " regularly engage in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. 

These companies have all violated either of the two which both constitute identify theft. 

I have contacted the Attorney General 's Office, XXXX and the CFPB numerous times and nothing has been done about the violation of my consumer rights. 

I demand Account # XXXX and Account # XXXX to be removed from my credit report and file or I will be seeking statutory damages since you willfully violated the obligations under the FCRA.
Product: Credit card or prepaid card

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit  Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Credit reporting or other personal consumer reports

This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS. 
These items are not correct and are causing me financial and emotional distress because of their derogative nature. The following items must be updated : XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Product: Mortgage

SLS has charged my account for a check they sent out to someone, so they are labeling my escrow account with a negative {$2200.00}. 
This would be fine if I actually had an escrow account setup, but I waived all escrow accounts at closing and I pay my own taxes and insurance. 
Now I am refinancing and they are charging me this {$2200.00} that I did not authorize and have no idea where it is. 
I have tried to call and they will not budge on removing that from my account. And they told me a supervisor would call me back in the next couple days. I never heard from anyone. 
On top of that, now I have my payoff, finally, that was requested over and over again by my title company and it shows a late charge balance of {$36.00} and neg escrow balance. I have had my payment on auto pay since I started with SLS, so there is no way I should have a late charge. 
This company is a disgrace. And I am extremely frustrated.
Product: Credit reporting 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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I received a statement in the mail for a savings account with BMO Harris Bank. I never opened such an account, or I have no recollection of ever opening an account with this bag. I called the number listed at XXXX XXXX XXXX. The representative asked for my account number name and address, which was printed on the statement, so I had no problem, giving it to them. He then asked me to confirm my Social Security number, which he read to me. I confirmed, which I probably should not have. He then asked for my to confirm my date of birth, which he gave to me, and I refuse to confirm he was very rude and hung up on me. I called back twice and asked for the fraud department and I was never transferred over to them. I dont know if this was a fraud or just horrible customer service but I need some help.
Product: Credit reporting or other personal consumer reports

I filed a dispute on { Capital One, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( experian ). They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! XXXX has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting { house, car, etc }. XXXX violates my rights as a consumer, as well as federal laws.
Product: Checking or savings account

I am XXXX XXXX XXXX and suffer from XXXX XXXX. 

TD bank has charged me {$5200.00} in overdraft fees.
Product: Credit card or prepaid card

I spent many hours on the phone with Chase supervisors on XX/XX/2023 trying to determine how much balance I had subject to the regular purchase interest on the card of around 25 % APR. I was finally told the number was {$4700.00}, which is what appeared on my XX/XX/XXXX statement as the balance subject to that interest. I made a payment of that amount ( XXXX ) on XX/XX/2023. Chase applied part of that payment not to the balance accruing 25 % APR, but to a " My Chase Plan '' ( flexible spending offer ) on the card, which had a 0 % APR and $ 0 monthly plan fee. This is in violation of federal law which requires that payments be applied to the highest interest rate first on the account, to which my payment should have been applied to the entirety of the balance accruing the purchase interest charge of 25 % APR. My statement on XX/XX/2023 includes {$1300.00} subject to the 25 % interest, which should be {$0.00} as the " My Chase Plan '' that my payment was incorrectly applied to had a balance of {$1600.00}.
Product: Vehicle loan or lease

Couldnt make car payments due to loss of hours at work
Product: Credit card

Dear Consumer Financial Protection Bureau, I hope this message finds you well. I am writing to formally address my ongoing concerns regarding unresolved fraudulent charges on my accounts with JP Morgan Chase Bank. Despite my repeated efforts to resolve these issues, I have not received satisfactory assistance. 

I filed a report regarding fraud and identity theft in late XXXX, followed by my communication with your fraud department at the beginning of XXXX. Since then, I have provided all requested documentation, including court documents and any additional materials necessary to support my case. However, my account still reflects the disputed charges, and I have not received a conclusive resolution. 

The representative assigned to my case has requested various documents multiple times, and I have promptly complied with all requests. Regrettably, I was informed that a decision had been made to reinstate the charges back onto my account, which is perplexing and deeply troubling. 

Thank you for your immediate attention to this matter. I look forward to your prompt response
Product: Checking or savings account

My account was overdrawn by Chase because a claim I made was rejected back in XXXX as they claim that it was me when it was not. After they did this I threw away their card and was going to call to cancel my account out of nowhere chase gave me money and made my account go back and XXXX  and I called an they confirmed the account was closed this was back in XXXX. I do not have the exact dates. I the see my account overdrawn again with different amounts even on my savings account XXXX and checking XXXX, XXXX which I do not know where it came from. I have not use the chase card for any transactions after my account was overdrawn I got rid off the card and never wanted business with them anymore. This is my second complaint, however I got response about the claim I made in XXXX for {$1200.00} and my question is how is my account now overdrawn for {$2400.00}?. I am having the worse experience and I want Chase to prove that I made any other transactions with my card and now owe {$1100.00} than what it was before? I just do not understand it! I need this resolve please I have no more energy losing my job and my house during this pandemic and I want answers. Thank you
Product: Credit reporting or other personal consumer reports

Submitted a dispute XXXX times in regards to the incorrect information reporting on my consumer report and bureau refuses to change it and says information will remain on my report .Account was in fact paid and closed with 100 % on time payments.
Product: Debt collection

Re : Dispute of Reinserted Account Request for Immediate Removal Dear Experian I am writing to dispute the reinsertion of a negative account on my credit report, which had previously been removed. The account in question is XXXX XXXX The account was removed from my credit report confirmed by your bureau. However, I have recently discovered that this account has been reinserted into my credit report without my consent. prior credit report showing the account was not listed.

Furthermore, I did not receive the required notification at least 5 days before this account was reinserted, as mandated by 15 USC 1681i. This lack of proper notification is a violation of the Fair Credit Reporting Act ( FCRA ). 
Given these circumstances, I request the immediate removal of this account from my credit report. 
Please confirm in writing once this account has been removed from my credit report. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep getting notified when you people need to pay attention. It was Transunion and XXXX  that is not paying attention. 
you need to send this complaint to both credit bureaus. do not keep telling me that you can only send a complaint to only 1 company when its the all 3 credit bureau companies that is listing this inaccurate impact so called company that is trying to scam me out of {$180.00} info on my credit reports. If I need to I will file this report 3 separate times to give you unprofessional people three times the mass work to follow up on. I have no issue with doing this. just get this matter solved asap. I sick of all of these scams. including yours! here is the damm number do your jobs PLEASE! 

Complaint number that you sent me to follow up on XXXX
Product: Credit card or prepaid card

I have the Citi Double Cash Card. As I have redeemed around {$2300.00} in redemptions, I have been redeeming it as " statement credits ''. Since these paid down my balance, I felt these were payments, which payments earn 1 % rewards. When I redeemed points yesterday, there was a message that said the redemption doesn't satisfy the minimum payment required, which prompted me to start to question if they were trying to exclude customers from getting points. I called and sure enough if you redeem points to pay down your balance they don't give the 1 % credit. This is absurd in my mind as I could easily have redeemed for the money to my checking account and then paid down the bill from my checking in which case it would have counted. In fact, I would think this would be more work on Citi 's part and that they would prefer you redeem as a statement credit rather then them having to ACH to your account and then you ACH back for a payment to be able to get your 1 %. I talked to uncaring reps who said it isn't a bank error. Giving me the {$23.00} wouldn't have put me ahead at all, it would have just made me whole had I done the process the way I should have had I been aware I wasn't getting these points. One did give me a {$10.00} goodwill gesture, but I am still out {$13.00}, not to mention other customers who are mislead by this who are also out. They said it is all covered in their rules. I went to their site where they are promoting customers to apply and there is a section that says " What Earns Cash Back : You earn cash back on all your purchases and on payments based on your purchases. You do not earn cash back based on balance transfers, cash advances, account fees, interest or returned items. '' I attached a screenshot of this to ensure they are aware what I have for my proof. It doesn't say anything about reward points being used as a statement credit not earning cash. Seems deceptive to me and all citi cardholders should be reimbursed that have been deceived by this.
Product: Credit reporting or other personal consumer reports

There are several accounts listed on my credit report that I believe are a result of identity theft which i clearly stated last month. I have recently reviewed my credit report and noticed multiple collections from companies I do not recognize, and I have not authorized any of these accounts.
Product: Credit reporting

I have a lot of disputes ran by XXXX in XXXX texas. i did credit application with ford motor credit. the application was sent to park cities ford. they went and sent my application to about XXXX banks without my permission. I asked and requested that they not do that. I asked them to evaluate my credit and let me know if I need to come in and work a deal. they submitted a deal with me signing any agreement on purchase price or anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, hope all is well. 
I sent out a letter of dispute on XX/XX/XXXX to Transunion. However, the credit bureaus said they completed the investigation, and everything was 100 % accurate. According to the Law 15 U.S Code 1681A-Definition rules of construction. The term investigation on a consumer report means, a consumer report or portion thereof in which information on a consumer 's character, general reputation personal characteristics or mode of living is obtained through interviews with neighbors, friends or associates of the consumer reports on or with other with whom he is acquainted or may have knowledge concerning any such items or information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or the " consumer ". In 15 USC 1681 section 604 states that the consumer reporting agencies can not furnish your account without my written permission, I did not give written permission to these accounts on my credit report. I would like to know who did they talk to? How did they complete this investigation? Please help me.
Product: Debt collection

In XX/XX/XXXX I made arrangements with XXXX XXXX to take out XXXX dollars monthly from my account by electronic check until the debt of XXXX was paid off. They were to be 9 checks of XXXX with the last payment of XXXX to be the last paymentmade in XX/XX/XXXX.  There was audio recorded of my conversation with the representative which they have not provided. They have only provided me with the account statement. No proof of the payments that o have made. They said they had only received the first payment and last payment. Below I have provided proof that the checks and money were being taken out my account. Sears has since sold this info to XXXX XXXX XXXX and now they are harassing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXXXXXX Account Number : XXXX
Product: Money transfer, virtual currency, or money service

I requested a check be sent on XX/XX/year>24 through Bank of America Bill Pay. On XX/XX/XXXX the check had not been received so it was cancelled and a new one sent. They indicated they were depositing a {$490.00} late fee charge into my account and it would be there in 3-5 days. It is now XX/XX/XXXX and the money still isnt there. I have sent 4-5 emails, faxed information as requested and all they do is send form letters in return. 

The original check was finally received on XXXX XXXX. The date on it shows it was even written until XXXX XXXX. The replacement check wasnt written until XX/XX/XXXX even though they told me they sent it on the XXXX. 

So the original payment of {$4900.00} has finally been received but the 10 % late charge has not been deposited so I cant pay the person. I have been continually lied to when I call and they tell me it was deposited. 

Obviously they do not send checks on the day requested and hold the money for 5 days even though they remove it from my account. They are not following procedures like any other bankI have ever done business with. 

If you could get the {$490.00} deposited I will be all set and will no longer use their service.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX  XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX  XXXX  XXXX XXXX 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 card or prepaid card

I purchased XXXX gift cards totally {$250.00} from Nordstrom 's ( XXXX, Utah store ) on XX/XX/XXXX. I have an XXXX receipt confirming the charge. 

I was able to use XXXX out of the XXXX. The remaining still shows the original amount of {$50.00} dollars when I go Nordstrom 's website to verify the amount. However, the store has a block on it. I have spent over XXXX hours of trying to get it unblocked by either visiting the Nordstrom store I bought it or on customer service. When I go to the store they tell me to call customer service. When I call customer service they tell me to go to the store. 

In my opinion this amounts to fraud.
Product: Money transfer, virtual currency, or money service

Hi, Would you please help me resolve the issue I have with my money transfert transaction with Taptap. On XX/XX/2022 @ XXXX. I sent the money to my young brother on the Amount of {$50.00}. After 45 minutes, I realized that I did the error on my recipients phone number ( incorrect phone XXXX XXXX ). I called Taptap to cancel or reversed the transaction for the correct phone XXXX, but they couldnt help me. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested to remove inaccurate information from my credit history many times. They always responded the same template to me with only updated day/month and referred me to XXXX ( a collection agency which doesn't respond to my requests as well ). 

I requested for a description of the procedure used to determine the accuracy and completeness of the information, and I never received such description ever. 

DEFINITELY, THE DATE OF 1ST DELINQUENCY IS INCORRECT AND I ASK FOR A DESCRIPTION OF THE PROCEDURE USED TO DETERMINE THE ACCURACY AND COMPLETENESS OF THE INFORMATION BY THE CALIFORNIA LAW.