23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ACCT # XXXX Date Opened : XX/XX/2014 I did a thorough investigation myself and noticed various inaccuracies. I have already tried fixing this problem with the company. 

In accordance with the Fair Credit Reporting Act XXXXt Account # XXXX, has violated my rights. 

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

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

15 U.S.C 1666b A Creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX bill on my consumer report. I sent a-lot of letters to creditors and the bureaus about this matter Also they have been reporting late payments to closed accounts thats been charged off which is illegal by consumer law. 
XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX By provisions of the fair credit reporting act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX Compliance regulation, I have the right to a Fair and accurate credit report and are required to remove any information that is not true or accurate.I demand these Accounts mentioned to be removed immediately permanently.
Product: Credit reporting or other personal consumer reports

There is inaccurate addresses and employers being reported no my credit report erroneously by Experian, XXXX and XXXX. These addresses does not belong to me nor do I reside there. This inaccurate information may negatively impact my credit and mis represent my Identity.
Product: Credit card or prepaid card

We have been disputing a fraudulent charge with Bank of America twice but unfortunately both fraud claims got rejected by BOA. The fraud case happened inside the XXXX  XXXX gas station in XXXX XXXX, XXXX on XX/XX/2020, XXXX XXXX  in our way to the airport. We stopped to fill in the gas tank and the employee at the gas station asked us for the credit card in order to swipe it and make the charge of {$37.00} but the transaction was immediately rejected and we had to pay cash instead. More importantly, at the same moment, we received 2 emails and 2 SMS text messages alerts from Bank of America about 2 unrecognized transactions. 
There were 2 charges made on the card at the same time ( XX/XX/2020, XXXX XXXX ) for {$37.00} and another one for {$470.00}. The problem we are disputing is the second transaction for XXXX by another MERCHANT " XXXX XXXX XXXX '' and according to the email we got from BOA, the merchant is also located in XXXX. When we received the emails, we followed the instructions as noted in the email and took action to deny the unrecognized transaction and we asked the bank to close the account and send us a new card and they did. 
We did not engage in any transactions with XXXX XXXX for {$470.00}. It is absolutely a scam/fraud and we are disputing this charge. Please see the attachment for the 2 emails we received from Bank of America about the 2 transactions and you can check the transaction timestamp. Both happened at the same time when the employee at the gas station tried to swipe the card. 

We are requesting your help to investigate this case with BOA very thoroughly.
Product: Credit card or prepaid card

On XX/XX/XXXX, XXXX, and XXXX of XXXX, XXXX XXXX transactions using my Chase Credit Card in the amounts of {$5000.00}, {$4300.00}, and {$8000.00} were made and sent to a recipient called alienbiopsy. I did not make these payments or authorize these transactions at all. These transactions in particular were charged to my XXXX and then sent to another individual. However, the frauder was clever enough to adopt my name as well as a former residential address that I used to live in many years ago as the shipping address of this XXXX transaction. As you know, money transactions do not ship a product from one address to another. They ship money from one account to another account. After 3-5 attempts Ive made with Chase to investigate and recognize these transactions as fraudulent, they claim that the transactions are valid and that they will no longer investigate these claims, and that I am responsible for paying for them. They even claimed We assure you we researched your fraud claim thoroughly. We closed this fraud claim and wont respond to requests for additional review unless you provide new information. 

As a result, I have been accruing interest on these transactions. I refuse to pay them because I never made them! 

Chase Bank is not making a good faith attempt to thoroughly investigate these transactions and, furthermore, despite explaining to 3 call center representatives so far that these were fraudulent, they still do not recognize the fraud just because the frauder used my name and former address as the ship to for an electronic money transfer ( an address which I lived in XXXX, in XXXX XXXX XXXXXXXX XXXX, by the way ; I live in XXXX XXXX, XXXX  now, which I also explained ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, also known as XXXX XXXX XXXX  XXXX XXXX XXXX , has violated my rights. 

To whom it may concern : I request more explanation on said reported account. I have not received proof of ownership of this debt including signed agreements ect. I am proceeding under the Fair Credit Reporting Act law. I have the right to challenge I am not sure is accurate. Reporting things on my credit file I did not agree to have reported or have not heard of. 

Under 15 U.S.C Sec. 1681 I ( a ) you can not provide proof ( Proof being a signed agreement of the two parties to the debt ) then these accounts need to be deleted. That everything in that report must be 100 % correct or it should be deleted. please investigate the following account and remove them if proof is not obtained at a 100 % assurance of factual information. 



15 U.S.C 1681 ( 3 ) E states ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer or from the consumer. 



They also violated my rights numerous times.

According to U.S.C 1681 section 602 A states as I have the right to privacy this has been violated many times by this agency by this account I request they delete and remove it.

According to 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. Please send proof of my written instructions or delete the account from the report.

According to 15 U.S.C 1681 s-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. See the Also know as different names different accounts Cause for concern this account is not accurate and should be deleted and removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted a dispute to XXXX confirmation # XXXX regarding the removal of XXXX inquires which they did not investigate or provide proof of the investigation. 

1. XXXX - Mortgage Department 2. XXXX XXXX Also the XXXX failed to investigate the dispute from XXXX XXXX XXXX XXXX which shows as a debt collection account, the additional information has not yet been provided to me the consumer, I have no idea the information they used to determine how the date is correct which makes no logical sense. 

The account from XXXX XXXX is over 7 years old and is still being reported which is against the law in MD for the statue of limitations.
Product: Credit reporting or other personal consumer reports

I looked at my credit report XX/XX/2023 I notice things are incomplete and not accurate. I sent letter to TransUnion on XX/XX/2023 and asked them to investigate the completeness and accuracy. I received the results and notice they did not fix nothing. They are breaking the XXXXederal Law. 

I also sent a second letter requesting why the didn't provide description of the investigation on XX/XX/2023. 

According to 15 USC 1681 e ( b ) it states this ( 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.

So I then ask them to provide description of the investigation According to 15 USC 1681 i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer for that description But they did not do that as well either They also are breaking these laws as well below According to 15 USC 1681 i ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if after 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, as appropriate, based on the results of the reinvestigating ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681 S-2 it states this ( A ) Reporting information with actual knowledge of errors. 

A person shall not furnish information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

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

This is unfair and if they are doing this to me imagine who else they are doing this too. Can you fix this
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Sec. 604. Permissible purposes of consumer reports ( a ) In general. Subject to subsection ( c ), any consumer reporting agency maXXXX furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 

I also do not have a contract with the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am not liable for this debt, also they did not provide me with the original application with a wet-ink signature under penalty of perjury of someone with knowledge of the matters attested to. 

Also under 15 USC 1681 Section 602 A I have the right to privacy. 

I never authorized these accounts to be reported on any of my consumer reports. They have violated numerous laws reporting these inaccurate accounts.
Product: Credit reporting or other personal consumer reports

USAA FEDERAL SAVINGS, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX HAVE INQUIRIES ON MY CREDIT THAT I DID NOT AUTHORIZE AND THEY ARE RUINING MY CREDIT ON XXXX, XXXX, XXXX.
Product: Debt collection

I reported identity theft of my information, that a family member had used my information in the past. I reported that the debt was not mine. Both Americollect Inc ( collection agency ) nor the originators of the alleged debt, XXXX XXXX XXXX, responded to me directly regarding correcting this incorrect and damaging information against my personal credit. I am respectfully demanding that the collection and debt information be immediately removed from my credit report.
Product: Mortgage

A couple of months ago I filed a CFPB complaint against M & T Bank for escrow account and mortgage account violations and these have continued since my complaint was closed and the bank indicated that it has resolved my issues. My property was properly designated as a single family home ; my insurance recognized for XXXX and XXXX, the forced insurance reversed and credit to my accounts made and a new escrow evaluation completed lowering my payment by $ XXXX dollars, with the only outstanding request a list of all disbursements to justify the current escrow amount. However, in the last three months I have received a letter from M & T every other day tasing for proof of hazard insurance which is tied to a home designated as a " condo '' under an XXXX policy and indicating there was a lapse in my hazard insurance coverage, from XXXX ( Letter XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX ), then a letter saying evidence of hazard insurance was provdided ( letter XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and then today, on a letter dated XX/XX/XXXX, I was sent a letter of notice of purchase of hazard insurance and a request to proivide XXXX insurance coverage for a condo. 

This request is once again absolutely ludicrous and should be considered fraud on this bank. As a new home owner it is criminal what this bank is doing and definitely violates is federal obligations under the FCRA. I will continue to file complaints until the federal government steps in to stop this mistreatment and will continue to look for an avenue to file a private suit against this bank as clearly this bank can, as directed before on several calls, go to the XXXX XXXX XXXX appraisers office website and see that my home is a single family home and NOT a condo. Further, my original home purchasing documents clearly indicate that my home is a single family home and M & T is not permitted to change my home designation from the original paperwork. 

I DO NOT OWN A CONDO! I do not require H06 insurance policy as I do not own a condo and I am done trying to get through to a live person to repeatedly say this. Which is another issue. The M & T call system does not connect you to a live person and gives no option for this. I have called the number on the letters repeatedly only to be sent to automated system to automated system to provide information only. The last time I called I was advised that an investigation would be done and then two days later I was advised that my home designation was updated to a single family home. Then the last CFPB investigation led to the cancellation of the prior forced H06 home insurance. And yet, here I am again asking M & T to do its due diligence and to do right by me only to find myself in a situation with a 2nd forced H06 policy. Absolutely unacceptable. 

How many times must this bank XXXX XXXX XXXX XXXX  my account and force extra exhorbitant payments before something is done about this mistreatment. A
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 TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXXXXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXXXXXX XXXX XXXXXXXX. 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 : The reported late payment was incorrect because my payment was made on time. My bank confirmed that the payment was processed on the due date, but due to a delay in XXXXXXXX XXXX XXXX 's payment posting system, it was mistakenly marked as late. I provided the following evidence to support my dispute : A bank statement showing the payment made on the due date. 
A payment confirmation receipt from XXXXXXXX XXXX XXXXXXXX indicating the payment was processed on time. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion 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: Credit card or prepaid card

To Whom It May Concern, My XXXX Account was Stolen for the amount of XXXX USD and was Wire Transferred to a Bank Of America Account XXXX, XXXX XXXX. Since then i have not received any information as to what has happened. Last time i spoke with Bank Of America they were investigating money laundering going on. Its been a couple of years since the incident and still dont have a word as to what has happened. Ive contacted both banks and no response. XXXX   is still holding me liable for what happened on my account. Ive taken both banks to small claims court citibank stated its hard to hack a bank account and bank of america stated i should be suing the person XXXX XXXX in which i do not know where this person lives.
Product: Checking or savings account

Last friday XX/XX/19 I tried to get cash from my account and transfering money sent to me by relative to distribute to other relatives. One I  found out later I sent over the limit and I have admitted ( Just forgot ) I'm XXXX and do forget. My aunt wanted me to sent them cash and I went all day trying to get cash from atms and other ways, none illegal. I didn't know my account was locked till I tried to buy gas and after filling up my card was frozen. The cops were called and it was a mess. 
Paypal does not have humans to answer questions or answer the phone so I have sent messages through their message center and have heard nothing except it could take 5 days which is past that. 
They keep wanting a bank statement from a bank I no longer have and never even used. 
I have done everything I know to do. I need my medicine and food to eat and finish the transfer for my aunt. 
Please help me get my money freed. I have opened another bank account for my social security next month but I still might come to paypal and I will really be in trouble.
Product: Credit reporting or other personal consumer reports

I am writing to report an issue with a loan serviced by XXXX XXXX, which has resulted in incorrect reporting on my credit report. Despite my diligent efforts to address this matter, the incorrect loan amount continues to reflect as late, although the payment has been made in full and on time. 

Specifically, I have reached out to XXXX XXXX to rectify this inaccuracy, but they have not taken appropriate corrective action. Additionally, I have disputed this error with the three major credit bureausEquifax, XXXX, and XXXX the inaccurate information remains uncorrected. This error is negatively impacting my credit score and financial standing, and I am seeking the CFPB 's assistance in resolving this matter to ensure accurate and fair reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

RoundPoint Mortgage is not reporting my payment made to them for the months of XXXX -XX/XX/2020. The co-borrower and I agreed to a Forbearance plan by which we would pay {$500.00} per month for the months of XXXX- XX/XX/2020. The amounts paid for said months were the full mortgage amount of {$1700.00} or an amount greater than {$500.00}. Per the credit reporting Act, Round POint violates  fair and accurate reporting of payment made to their bank. Additionally, Round Point changed the agree mid XXXX to state XXXX  payments were due under the forbearace plan withour my consent or approval. This is fraudulent on behalf of the bank and should be investigated and fined.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, XXXX and I'm including it again. 
XXXX XXXX Balance : {$7700.00} XXXX XXXX Balance : {$150.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please update accordingly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My wife and I are XXXX XXXX XXXX. In XX/XX/2021, we filed an application for a home mortgage refinancing from CITIBANK NA. We have submitted a ton of documentation for the application ( some of which were submitted multiple times ) ; 6 months have passed and still the loan application is pending. I have not heard of a loan application that has taken this long and it feels that we are being discriminated. 

We have complained to upper management and still up to this day, we have not gotten a approval.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject to Subsection ( C ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : I did not consent to XXXX XXXX to report any student loans to my credit report. I have no knowledge of these accounts and I demand the removal of these student loans reporting on my account immediately.
Product: Credit card

I have a Barclays card and paid off a balance in full on my last statement of {$2800.00}. The next month I got a bill ( statement ) for {$10.00} for interest even though I had no charges and my bill was previously paid off in full. This is the second time this has happened and I had to call and speak to a supervisor to get it removed. The employees said they were just following company rules and had no choice in the matter. They explained that the company still charges interest on the same day of the month ( I believe it was the XXXX ) but I paid my bill way before it was due. No other credit card company does this. Only Barclays. Needless to say, I canceled my card and demanded that they take off the bogus interest charge because I will not pay it anyway. This is fraud and is totally wrong and unethical. They are making money off of bills that have been paid off. I have a copy of my statement if you need it.