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

Im a customer of BBVA bank I filed several disputes for the same merchant transactions on XX/XX/2021. I was issued provisional credits. I was then notified by mail on several different days that half my claims had been approved and the other had be denied. I remind you they were all unauthorized to the same merchant. What is most surprising is that in XX/XX/2021 there were about 10 transactions for XXXX. Dollars each. They were split up into separate claims because bbva will only let 40 transactions per claim. And one claim was approved for the transactions on XX/XX/2021 and the others for the same day were denied. This is the case for all the claims. They have now frozen my account took all my money from me and are telling me they did all these verifications to validate the charges. But how can that be if on the same day they determine there were valid and fraudulent charges made? They have left me with financial distress and will only give me the run around. I asked for copies of all there findings they said Ill get them in 15 business days. That violates federal banking laws Im supposed to be notified within 3 days of there investigations. Also they refused to let me appeal the decision on the claims telling me they would once again be denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payments made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. These are unquestionably billing concerns, and I demand to see specific bank account documentation showing that I failed to pay and were subsequently labelled past due. Below are the list of the disputed accounts. 
XXXX XXXX XXXX Balance Owed : {$150.00} XXXX  XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill their legal obligation under the fair reporting act ( FCRA ) to conduct a reasonable re-investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) recently filed a lawsuit against Experian alleging, systematic issues, such as failing to forward consumer provided evidence to furnishers excepting unreliable responses and failing to adequately notified consumers of dispute outcomes. These failures align with my experience. Where Experian has neither corrected nor removed disputed items despite the evidence I provided causing ongoing harm to my credit standing I am requesting immediate corrective action to remove or amend the disputed account accounts as Experians inaction violates federal law and my rights as consumer.
Product: Credit card or prepaid card

XXXX XXXX wont refund a total of XXXX $ they have shut down their company and services and my credit card company chase freedom is aware of this and still wont refund me the money. They have not offered a solution or even a way to resolve the problem. How can I have a charge on my card for a travel company that no longer is in service.
Product: Debt collection

This collection agency is collecting on a credit card debt that is not mine and was opened resulting from Identity Theft. I have disputed this debt with them and the creditor they are collection on behalf and they are still trying to collect on it, call me, and send me letters to collect the debt. I have sent them a police report and an Identity Theft Report, but they failed to cease and desist on collecting on this debt. I am demanding that this collection agency to STOP ALL COMMUNICATION and to CEASE AND DESIST on all communication of collection on this fraudulent debt, per HJR 192 of 1933. My next steps is file a lawsuit and seek damages for aggravated Identity Theft and making me have pain and suffering on a debt that is not mine. Please comply Immediately.
Product: Mortgage

It is with great fraustration and after eight years requesting from Chase Bank a work out plan that is feasible to all. As of today I have not received any decent help or resolution on this case. 
Just to familiarizes you with the case, after so many packages provided. 
On XX/XX/XXXX. I, XXXX XXXX was called by a representative of Chase Bank while applying for a loan and was informed that my application package submitted by XXXX XXXX XXXX XXXX XXXX on XXXX Loan # XXXX was denied. No specific reason was given. Except that I had the right to an appeal. It's so happened that the day of the denial was the last day for the appeal. How can both happened at the same time. 
This loan is a Wamu loan option arm based on a 3 % margin over the MTA index and property taxes are escrowed. I understand that chase bought the loan from Wamu ( Washington Mutual ) in ridership in XX/XX/XXXX. It was shortly after when I started getting invoices from Chase. Please understand that this is not a mortgage default. I have never stopped payments on my mortgage.. 
All I wanted was for Chase to give me what the had promised. 
The agreement read {>= $1,000,000} dollars less that the existing principal on the loan and agreed to hold the difference on a 0 % interest for 30 years. They waited six months to tell me they were not closing the promised loan.. 
Chased proceeded to do an appraisal The appraisal indicated my home was under water I then accepted the refinance loan and provided loan documents. Again Chase came back and told me that they could not give me a loan. 
There area various issues with this mortgage First being JP Morgan Chase may lack the proper legal standing to enforce the mortgage and note, because of the note endorsement stamp issues containing the signature of the former Vice President of Washington Mutual, XXXX XXXX. 
XXXX XXXX report from XXXX Fraud mortgage investigation suggested that the interest was not calculated properly and also the real estate taxes. He pointed out that the note may not be properly endorsed and that Chase never recorded the deed. 
I think chase 's tactics were disingenuous and perhaps even fraudulent. I have provided report from XXXX XXXX XXXX Fraud investigation for your review.
Product: Debt collection

I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against XXXX XXXX
Product: Checking or savings account

Chexsystem reporting incorrect information about me, however, who gave this company permission to have my information. The information is misleading and incorrect there are items are on there that were included in bankruptcy, and is prohibit me from opening an accounts. I would like for this information to remove asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

[ I've disputed account numbers : # XXXX + # XXXX ] With the collections first requesting for validation of the debt and XXXX authorization, and received letters back rejecting my dispute. My next step was to reach out the bureaus which they've also refused to comply with my request in dispute. 

I sent a letter to the credit bureau asking for them to validate the debt, they've sent a letter back stating the incorrect disputed ; collections account is correct there on their end. 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. They know that the debt is inaccurate at the time of my dispute and of them continuing to report whats now known to be inaccurate multiple times, but refuse to remove disputed account not validated.
Product: Credit reporting or other personal consumer reports

The following accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX The XXXX XXXX {$130.00} XXXX looked at my Experian and XXXX report on XX/XX/year> and noticed some accounts and inquiries are incorrect and fraudulent. Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. 

( b ) Accuracy of report 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.
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 Bureau credit 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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Money transfers

Today XX/XX/2015, I hired the services of Moneygram 's 10 minute money transfer, in order to send much needed {$200.00} to my father in XXXX XXXX, XXXX, XXXX XXXX, as he presented himself with all the required information and documentation in XXXX different Moneygram locations in his town of residence, XXXX of them simply failed to disperse the funds claiming that they did n't have enough cash to cover the {$200.00} and the third location being a XXXX XXXX XXXX refused to disperse the funds claiming that he would be required to hold an account with the bank in order to pickup the money. All XXXX previously mentioned situations have violated the contract in which I entered with Moneygram upon accepting the terms of service and subsequently using the service. After all the previously mentioned I called Moeygram customer service and they told me that they could not refund the funds to me since more than 30 minutes had gone by since the time of the transaction, and that the funds already where in XXXX XXXX, where they refused to give them to my father. After all this my father who was in dire need of this funds and does not own a car had to spend more than {$20.00} in a cab to go to another town to find a moneygram location that would give him what was his money. After the fact i contacted Moneygram by phone which after making me jump through several loops finally connected me to a supervisor, who refused to identify himself other than with his first name, and also refused to refund me with the service fees of {$9.00} that where charged to me which did n't even cover the expenses that my that had to incur in order to go to another town to pickup the funds. I find Moneygram to make false promises, not comply with the terms of their own contract, and to offer a deceptive service with horrible customer service. In my opinion Moneygram gets away with deception like this and then tell you " too bad '' because is a service used mostly by XXXX to send money to their families, which after there is a problem have the tendency to not file a complain, in order to keep a low profile which allows a company like such to violate the financial rights of XXXX people everyday.
Product: Credit card

Date of Transaction : XXXX Charge XXXX My source is the XXXX of XXXX 's # XXXX sent to me on XXXX XXXX  Transaction # XXXX Card # XXXX Approval # XXXX Reference # XXXX The XXXX 's XXXX sent this information to me via a text from XXXX I have an image of the " Ticket Copy '' via text on my phone. 

*I do not remember his name. 

Barclays stopped a second attempt to use the cards XXXX miles away. 

I was notified by Barclays & locked my 4 accounts/cards I have with Barclays.

I was under the impression that the charge would be removed by the Customer Service person. 

The charge was removed, but was reinstated this month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and did not make the charge or the account. I ask that the account be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... Please delete this straightaway : XXXX XXXX XXXX XXXX
Product: Mortgage

Hello, I have attempted to obtain this information for over two years now. I submitted requests with the previous servicer as well as the current one.

There are a number of charges to my escrow account that the servicer will NOT verify as accurate. I have requested copies of reports and invoices charged to my account and only receive some of them. They have gone so far as to send duplicates in an effort to make my request appear complete. 

I have spent countless hours reviewing the partial documents sent to me. I'm still being charged for items on my escrow account with zero documentation of what they are and if they are valid charges. Additionally, I'm in a repayment plan and was forced to add the total amount of the escrows, including the disputed amounts to the plan. 

This is ridiculous. I need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23 I checked my XXXX report and I noticed that Wells Fargo had submitted an inquiry that I had no knowledge of. I contacted Wells Fargo credit card services and their banking service and they couldnt find my name or social security number in their system. I kindly ask them to remove it but they informed because they couldnt find it they said they couldnt do it and I would have to contact XXXX. I then contacted XXXX and they informed me that I would have to file a report before they can remove it from my report.
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 : ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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

My account with TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I requested an investigation into the reporting of inaccurate and outdated information to be removed from my credit report. The inconsistent information that the credit agencies are furnishing has significantly ruined my credit 's worthiness for the entirety of this year, last year, and several years before. I have repeatedly requested that the information on my report be at least accurate. The numerous investigations that were completed as a result of my submitted complaints have been answered with generic responses that the information being reported by the credit agencies is verified as accurate. Well, I have attached proof that the so-called investigations have failed to provide me with accurate information. This communication is not requesting that the information be updated on my reports. I want the inaccurate and fraudulent accounts removed in it's entirety. I will be reporting my concerns to the FTC for their refusal to remove all outdated and inaccurate information from my credit reports. The credit reporting agencies have a duty to provide consumer reports with accurate reporting. Screenshots show the reporting company 's inconsistent reporting data.
Product: Debt collection

This company must remove and all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : 1. A debt collector/buyer must be bonded and licensed by the XXXXXXXX XXXX  XXXX XXXX XXXX 
2. The debt must be legally collectible within the states jurisdiction where the creditor resides.

3. Creditor must be given copies of debt collector/buyer license, bonding number with insurance carrier name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification. 
4. A debt purchase must have an assignment number and be registered with the XXXXXXXX XXXX XXXXXXXX XXXX. 
5. Any debt not within these guidelines must be deleted from a consumers credit report with prejudice.

6. This company has posted one or more out dated collection against my credit report. It looks like the account was over XXXX XXXX XXXX, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!!
Product: Debt collection

In the wake of multiple data breaches of various organizations, I have been reviewing my credit for the past few months. I noticed a creditor that I was not familiar that dates back to 2014 per my credit reports. I have attempted on multiple occasions, in writing, to have the debt validated citing FCRA and FDCPA as a reference. The company was several times this year. I requested proof of the debt in all occasions. Specifically, I requested validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you ''. This exact language was used. To date, I have not received anything with the exception of statement showing a balance. No agreement, no signature ... nothing. Additionally, there was recently a lawsuit filed by this company against me in retaliation to my letters, which triggered my complaint to CFPB.