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

To Whom It May Concern It has been brought to my attention that your company continues to ignore my requests for the removal of these late payments and inaccurate information still reporting on my credit report. 
The following late payments are reporting inaccurate and therefore need to be reinvestigated. 

Inaccurate late payments and incorrect and incomplete information 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Account Number # XXXX Update to Open/Never late there is some inaccurate information reporting XXXX  XXXX XXXX Account Number : XXXX Update to Open/Never late 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Account Number # XXXX Update to Open/Never late
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit I realized that there are accounts still on my report that do not belong to me. They were opened by someone and maintained by someone other than me without my permission. 

XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$890.00} XXXX XXXX Opened Date XX/XX/XXXX Balance {$4300.00} XXXX  XXXX XXXX  Opened Date XX/XX/XXXX Balance {$4400.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed a dispute with a experian credit bureau that is reporting incorrectly on my report. And they responded that the account i disputed is accurate. I tried looking under fair credit reporting act on how under federal law makes it valid or accurate. What is the fcra requirement that credit bureaus must provide as proof to validate the accuracy of information on my report? Are this my original contract from creditor with my signature on it and information directly from my original creditor?
Product: Credit reporting, credit repair services, or other personal consumer reports

I accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer right to privacy and confidentiality under 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 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 states a consumer reporting agency can not furnish an account without my written instructions.

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.
Product: Credit reporting or other personal consumer reports

I am disputing misinformation on my credit reports for XXXX, XXXX, and Transunion. There is inaccurate information that is being reporting for several accounts that are documented for each report from these agencies. According to 15 USC 1681e ( b ) I am entitled to have maximum possible accuracy on my credit reports. I have disputed these inaccuracies with each of the reporting agencies and they have not been removed. I want the inaccuracies removed from my credit reports with my various accounts.
Product: Mortgage

I entered into a home preservation program with Wells Fargo in XXXX. I made payments through XXXX. The payment amounts were approximately {$1000.00}. I had to make my payments by phone to XXXX XXXX at XXXX Ext : XXXX according to Wells Fargo preservation program. I could not make the payments on line. I did not receive a mortgage statement, and the online account did not reflect the proper credit from my mortgage payments. I complained and was told that it was because I was in this program. The Wells Fargo statement I have attached I downloaded from the Wells Fargo website because I have not received anything from Wells Fargo mortgage in the mail since XXXX. The statement reflects that the mortgage payments were approximately {$1200.00} but the documentation I received from the preservation program reflected the mortgage payments to be {$1000.00}. My house flooded in XXXX and XXXX. In XXXX I sent a request to Wells Fargo asking for assistance from the flood and also stating that I would be late on my XXXX payment and possibly my XXXX payment because I needed the money to payment for items that lost during the flood - a mattress, etc. Today I called to make my XXXX and XXXX payments and was informed that I was 6 months behind on my mortgage payments and that my house was in foreclosure. I never received anything in the mail about a potential foreclosure on my home. I recently took a hardship withdrawal from my retirement plan to make the repairs on the basement, so why would I ignore payment notices, foreclosure notices, phone calls, etc. I didn't ignore them, I never received them.
Product: Debt collection

I purchase a vehicle from XXXX XXXX. I am single mother with XXXX dependents and was sold a vehicle from XXXX XXXX dealership with the understanding that the car dealership was in the customer best interest. After driving the vehicle for a short period of time, the vehicle starting acting up. Then I started doing research after vehicle started messing up and found three recalls on this same vehicle which put me and my kids in danger. With this being, the contract was and should be considered unethical, which goes against the fair credit billing act. The car dealership also called my company for whom I'm employed with and started sharing confidential information concerning this vehicle. 

XXXX XXXX XXXX Recall Item Affected : AIR BAGS : SIDE / WINDOWDate Announced : XXXXDescription of Recall : XXXX XXXX XXXX XXXX XXXX XXXX is recalling certain model year XXXX XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX XXXX  vehicles. In the affected vehicles, increased resistance in the driver and passenger seat mounted side impact air bag ( SIAB ) wiring harnesses may result in the SIAB and seat belt pretensioners not deploying in the event of a crash.Action Need To Fix It : XXXX will notify owners, and dealers will replace the affected harness connections with soldered connections, free of charge. The recall began on XX/XX/XXXX. XXXX owners may contact the owner center at XXXX, XXXX owners at XXXX, XXXX at XXXX, and XXXX owners at XXXX. XXXX 's number for this recall is XXXX. Note : Vehicles repaired as part of Customer Satisfaction Campaign XXXX and special coverage XXXX have already had the subject condition repaired and therefore are not included in the safety recall. 

XXXX XXXX XXXX liftgate up when open. These struts may prematurely wear and the open liftgate may suddenly fall. 
Action Need To Fix It : XXXX will notify owners, and dealers will update the software for the power liftgate actuator motor control unit so that the motor will prevent the rapid closing of the lift gate, free of charge. The recall began on XX/XX/XXXX. Owners may contact XXXX customer service at XXXX, XXXX customer service at XXXX, XXXX customer service at XXXX, and XXXX customer service at XXXX. XXXX 's number for this recall is XXXX.
Product: Credit reporting or other personal consumer reports

I am formally writing this complaint regarding initial disputes I have done in the past with EXPERIAN INFORMATION SOLUTIONS. I have disputed the following companies that are reflecting on my consumer report to no avail : XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX. These accounts are showing inaccuracies that I have pointed out numerous times, but yet they were still not corrected. There are a lot of misleading item notations of charge offs on a few of these accounts. I have even requested for the accounts to be removed due to the failure to correct these inaccurate accounts. My request to correct or remove the accounts from my reports are being ignored. EXPERIAN INFORMATION SOLUTIONS have updated these accounts but did not correct the issues that I had brought notice to. The accounts have been disputed. I want them removed. The Fair Credit Reporting Act specifically states that 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. 15 USC 1681 ( a ) ( 1 ). The Fair Credit Reporting Act states that 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 1681e ( b ). EXPERIAN INFORMATION SOLUTIONS knows this for a fact. These accounts have been updated numerous times by EXPERIAN. I am requesting their removal. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. 15 USC 1681i ( 5 ) ( a ) ( i ).
Product: Credit reporting or other personal consumer reports

I am requesting the removal of unauthorized credit report inquiries from my credit report. I noticed the unauthorized inquiries listed below after receiving a copy of my credit report on XX/XX/2023 Barclays bank XXXX XXXX Kindly investigate my claim per the Fair Credit Reporting Act. If you find any unauthorized inquiries, please remove them as quickly as possible. 
Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaint due to violations of several consumer protection laws regarding inaccurate information being reported on my credit report by XXXX XXXX XXXX and the credit bureau Experian. The account in question was declared as a loss by the original creditor but is still being reported as a " charge off '' on my credit reports, which is a direct violation of the following laws : **Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 : ** According to the FCRA, the information reported by credit bureaus must be **accurate and complete**. In this case, the account listed as " charge off '' is inaccurate, as the original creditor declared it as a loss. This misrepresentation violates my right to an accurate and complete credit report. 

**Truth in Lending Act ( TILA ), 15 U.S.C . 1601 : ** TILA requires creditors to provide clear, accurate, and honest information about consumer accounts. Reporting a debt that has been canceled as a " charge off '' misrepresents my financial situation, which is a clear violation of TILA. 

**New Jersey Consumer Fraud Act ( NJCFA ) : ** The NJCFA prohibits fraudulent and deceptive practices, including the intentional misrepresentation of financial information. The original creditor has declared this account as a loss, and continuing to report this debt as a " charge off '' constitutes a violation of this consumer protection law. 

Despite disputing this information with the credit bureau and the inaccuracies in my credit report have not been corrected. This account continues to negatively impact my credit score and my ability to access fair financial products.
Product: Checking or savings account

On XXXX XXXX I received a transfer to my account via XXXX of {$300.00}. On XX/XX/2022 I noticed that Wells Fargo had reversed that transfer back out of my account. My husband and I both contacted Wells Fargo numerous times and were told that the sender reported fraudulent activity on his account and this reversed the transfer. The sender did go to our local branch and had a statement notarized by the banker informing Wells Fargo that he did intentionally make the transfer to us and it was not at all a fraudulent transaction. Wells Fargo refuses to return the money to our account because the senders accounts is overdrawn. It is not our responsibility to cover his overdrawn account. He did intentionally send the money to our account.
Product: Credit card

XXXX XXXX, 2016 both my checking and savings acct were wiped out completely. over {$10000.00} was gone. I believe i lost my card some time around XXXX XXXX. I did not notice the fraud activity until about 2 days later when chase sent me a text message asking if i had been the XXXX to make these transactions i replied NO assuming they will handle everything. at that time about {$300.00} was missing. within a couple of days ( thinking chase was handling the issue ) my money was tranfered from my saving into my checkings and all of my money from both accounts were gone. i finally call XXXX XXXX asking WHY things werent handled and why my acct wasnt closed. I filed disputes and several claims. out of {$10000.00} i was denied XXXX claims totaling to {$4800.00} XXXX when i asked chase to listen to the recording of the " person who authorized the online transfer '' they denied me and stated that i needed to supbenea them first. Lastnight at XXXX on XXXX i noticed Chase bank went into my NEW savings acct and took back XXXX temporary credits made to me back in XXXX. Noone called me, no letter was received, or anything notifying me that my claims were denied. I call chase lastnight asking why and the rep stated i made transactions while the fraud activity had been occuring ( which where monthly automatic pay ) to my XXXX program. I went thtough chase executive dept and filed a compliant but that was also denied. i do not know what more to do.
Product: Checking or savings account

I received a letter from BMO stating my account was restricted on XX/XX/XXXX. I called a BMO fraud analyst at ( XXXX ) XXXX who requested copies of the bank statement for the bank I was trying to transfer funds to. It seems my account was restricted due to me trying to transfer funds to an external account for which I am the owner. This transfer was intentional and not fraudulent. I immediately emailed the documents as requested the same day. I called on XX/XX/XXXX to confirm receipt of the documents and for a timeline of when the account would be unrestricted. I was told by the representative that they did not have any way of confirming receipt of the requested documents. Additionally, I was told someone would reach out to me 7-10 business days to follow up on the issue. On XX/XX/XXXX, I called the same department again to confirm receipt of the requested documents, and was once again told they have no way of confirming this. Additionally, I was told it would now take 14-30 days to get a response on this issue. When I asked to speak to a fraud analyst to resolve the issue, I was told they are not allowed to speak with customers, only that they can call customers. When I asked the representative if they could reach out to the fraud analyst they said they'd make a note, when I asked for some kind of timeline for a response from the analyst, they hung up on me. As of today, it was been 10 business days where I have not received any contact from a fraud analyst, nor do I have any access to either of my checking accounts.
Product: Credit reporting or other personal consumer reports

I contacted XXXX directly to validate all of the collection accounts on my credit report informing them of the reason why those items were not accurate and within 2 business days they responded that all of the account were to remain on my account. When asked for validation or proof that this information was accurate, they stated i can dispute everything over again, but they have nothing they can provide me that proves the accounts are accurate.
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 XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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.
Product: Checking or savings account

An unauthorized transaction of {$800.00} Through applepay and I notified them as well they advised me to notify my bank chase. 
A temporary credit was given and a reversal of funds was done and the reason cause I had made multiple transfers, I did to my daughter but one was one not authorized @ all. 
Thats not a proper investigation @ all,
Product: Credit reporting or other personal consumer reports

I am submitting a complaint regarding inaccurate information on my credit report provided by Experian. I have identified several inaccuracies that I have disputed, but my concerns have not been adequately addressed. 

Inaccuracy XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Description : NOT MY ACCOUNT Inaccuracy # XXXX XXXX XXXX Account Number : XXXX Description : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
Inaccuracy # XXXX XXXX XXXX Account XXXX Description : not MY ACCOUNT Inaccuracy XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Description : This account was charged off and I no longer owe money to this creditor but its still showing a balance due. 

I have made multiple attempts to resolve these issues directly with the agency, including submitting documentation to support my claims. However, the agency has not provided satisfactory responses or corrected the inaccuracies. 

This complaint is based on potential violations of the following laws and regulations : 1. Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) : 1. Under the FCRA, consumers have the right to dispute inaccurate information in their credit reports, and credit reporting agencies are required to investigate disputes and correct any inaccuracies.

2. Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ) : 2. If any of the inaccuracies relate to debt collection, the FDCPA prohibits unfair practices in the collection of consumer debts.

3. Consumer Financial Protection Act ( CFPA ) ( 12 U.S.C. 5481 et seq. ) : 3. This act grants the CFPB authority to oversee and enforce compliance with consumer protection laws, including those related to credit reporting.

4. Truth in Lending Act ( TILA ) ( 15 U.S.C. 1601 et seq. ) : 4. If applicable, this act requires lenders to provide clear and accurate information about credit terms and costs. 

I am particularly concerned about the lack of transparency in the verification process and the impact these inaccuracies have on my credit score and financial well-being.
Product: Checking or savings account

Chime bank sent us incomplete and inadequate information on my deceased daughters account, despite my wife being assigned the status of fiduciary / executor on the account. 

They only gave us this limited information and a check for what they say is the balance on the account after being prodded by cfpb on my previous complaint. 

I emailed them on XX/XX/XXXX and phoned them a week later asking them to give us actual statements on the account for the entire period she had an account with Chime. I need statements with the XXXX transaction number listed to find out who bought a plane ticket on the account XXXX months after my daughter passed. 

They did not reply to the email, and despite the support person saying they would contact me, they have done nothing. They refuse to provide me the email or phone number of an actual person.
Product: Credit reporting or other personal consumer reports

According to The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ) : Inaccurate information, including false death reports, must be corrected or deleted. 

I applied for a XXXX XXXX account on XX/XX/year>. I was informed to contact them. Upon contacting them I had to unfreeze my credit report. After I temporarily removed the freeze, I received an email saying that I wasnt approved for the account because based on their internal information and information from Experian a consumer reporting agency, they believe that the Social Security number used for this application belongs to a deceased individual. This statement is not true!
Product: Debt collection

I received a call on XXXX for collection from Cedar Financial of a debt from a XXXX, XXXX traffic violation. The debt was put into collection on XXXX and accrued 10 days of interest in the amount of {$24.00} ( an effective interest rate in excess of 100 % ). I was told that I " must pay now so that additional interest did not pile up ''. This was the first day I was made aware of this debt. The original fine, I was told, was XXXX. The XXXX is trading at {$1.00}, which would be a total fee of {$290.00}. I was told the amount to be paid was {$340.00}. The company did wave the interest, but still used an exchange rate of {$1.00} instead of {$1.00} resulting in my OVERPAYMENT of the fine ( that I was unable to dispute ) by {$25.00}. I have yet to receive any documentation supporting the traffic violation or fine.
Product: Mortgage

In the month of XX/XX/2020, Carrington Mortgage received the mortgage before the XX/XX/2020, XXXX XXXX  deadline. Anyway, I was charge around {$95.00} late-fee. I believe my credit report has been tarnished because Carrington recorded the payment as late.