23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

1ST : Companies involved in the fraud are " XXXX '' and JPMorgan " Chase ''. Instrument being weaponized in the theft of my money and/or credit lines is a Chase Mastercard Credit Card with `` Flex '' in its name ending in " XXXX XXXX '' ( in this complaint text, I have censored the 16th digit. ) XXXX has fraudulently charged me {$12.00} without my permission. I obtained a free trial service with XXXX. XXXX is accused - possibly with questionable proof- of not delivering services to me properly or at all during such free trial. Therefore I cancelled my service before a deadline where I'd possibly be charged on a monthly basis and revoked permission to be charged in an email to XXXX prior to a date where XXXX would charge me for continuing beyond a free trial, and also signed in to my XXXX portal in order to cancel. However, XXXX has charged me {$12.00} anyway. 
2ND : I filed a XXXX  complaint ( XXXX  case # XXXX ) against XXXX  over this fraud. XXXX didn't reply. On a XX/XX/XXXX phone call ( which is also the date of writing this CFPB complaint ), Chase claims to have resolved the matter of only the theft of {$12.00} on XX/XX/XXXX, but has essentially stated that anyone, including XXXX, can continue to steal my money in the present or future, and that they can not stop it, despite such credit card being a Chase-issued credit card and me never giving permission to Chase to allow themselves or other companies to steal my money. This is dangerous due to both an implication that XXXX will continue to charge me {$12.00} without my permission every month, and also that anyone could steal unlimited amounts of my money due to Chase 's refusal to stop it.

3RD : Chase claimed, on XX/XX/XXXX they do not have the " option '' to stop merchants from charging an account ( of mine, with Chase ) and that I have to keep disputing charges. Chase then said this is " how it works '' but I did not consent to being party to such a process where XXXX or any merchant can continuously steal my money on a repeating basis. After repeatedly refusing to stop the theft of my money, Chase then stonewalled me with silence in order to waste my time, offend me, and be complicit in the continued theft of my money, most of which could be anticipated to be from XXXX. I demanded Chase should no longer give any of my money to XXXX. Chase once again refused. This is not a full list of the number of times chase repeated offensive phrases at me that threaten being complicit in having my money be stolen on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for financing with XXXX XXXX through this company and was approved for {$1000.00} for a procedure that was scheduled for in the future. I was not made aware that the dental office would be charging the entire amount that same day even though my procedure was scheduled for a later date. I should not have been charged until service was provided. I still have yet to have the procedure done and am carrying a balance which shows on my credit report as of today in the amount of {$820.00} when it should be {$0.00} balance. I've called XXXX three times and which I am currently on the phone with the fraud department and am being transferred to a " specialist '', however got transferred to a Customer Service Rep yet again. I received a call from them earlier today and not sure why but I keep receiving calls as if I'm late on a balance that shouldn't exist. Each time I've called I've been told that it is under investigation, it's been over two months, they state it takes 60 days for an investigation to be completed. The request was put in on XX/XX/18. I would like for XXXX to report the accurate balance on my Credit Report or either rescind this contract. When I requested information about rescinding this because of the lack to resolve this issue as well as lack of customer service I was told I couldn't flat out and I know that goes against my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1666b - Timing of payments U.S. Code Bridcrest is in violation of my federal rights by reporting late payments.

( 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.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

( Pub. L. 90321, title I, 163, as added Pub. L. 93495, title III, 306, Oct. 28, 1974, 88 Stat. 1514 ; amended Pub. L. 11124, title I, 106 ( b ) ( 1 ), May 22, 2009, 123 Stat. 1742 ; Pub. L. 11193, 2, Nov. 6, 2009, 123 Stat. 2998. )
Product: Credit reporting or other personal consumer reports

I am disputing the inaccurate late payment marks on my XXXX XXXX account that appear on my credit reports from XXXX, Equifax, and XXXX. These late payments were incorrectly reported during the early months of the XXXX pandemic when I was provided a forbearance or grace period under the federal emergency mandate. 

Dispute Details : Creditor : XXXX XXXXXXXX Account Type : [ Credit Card/Loan ] Disputed Late Payments : XXXX and XXXX late marks during the federally mandated stay-at-home period Issue : Capital XXXX granted me a forbearance/grace period due to the XXXX emergency, and during this time, late payments should not have been reported as delinquent. 
Violation : Reporting these payments as late while a forbearance or hardship agreement was in place violates the CARES Act and the Fair Credit Reporting Act ( FCRA ). 
Legal Basis for Removal : CARES Act ( XX/XX/year> ) : Creditors were required to report accounts as current if a consumer was granted a XXXX accommodation and met the terms of that agreement. 
FCRA 1681s-2 ( a ) ( 1 ) ( A ) : Creditors must provide accurate reporting, and failure to update accounts correctly violates federal law.

FCRA 1681i ( a ) ( 1 ) ( A ) : Credit reporting agencies are required to investigate disputes within 30 days and correct inaccuracies. 
Requested Action : Immediately remove all XXXX and XXXX late payment marks from my credit reports across XXXX, Equifax, and XXXX for the affected months. 
Update the payment history to reflect the correct status as current during the forbearance period. 
Provide written confirmation of the corrections
Product: Credit reporting, credit repair services, 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. 

, 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 an 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

On XX/XX/2023 my account was closed by XXXXThe Bancorp Bank due to suspected fraud. They are saying that my account was marked as suspicious and thereby closed because of cash deposits I did at XXXX through a service they offer. All of my cash deposits were from the tips I receive from my job as a server that I get in cash at the end of the working night. The amount of cash that I have deposited is less than the total amount of cash I have claimed on my paystub and they still refuse to refund my money. They have also taken all of the money that I received from my birthday as well as money that I received from payroll from said company. 

I reached out to chime on the same day, XX/XX/2023 with everything they asked and they have said that my account was not in compliance and that my money can't be refunded. In my opinion I have more than ample proof of every deposit I made including checks and feel that they are making a huge mistake withholding money from a very broke XXXX  that can't even afford to pay their bills at this point. 

As far as amounts, I deposited {$500.00} in cash on XX/XX/2023, {$320.00} on XX/XX/2023, as well as an {$80.00} check from my father for my birthday on XX/XX/2023. The amount that is reflected in my most recent paystub for cash tips is {$900.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) I sent a letter regarding inaccurate XXXX payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXXXXXX XXXX XXXX  and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have file a dispute already for ACIMA to be remove from my report.. I have never had an account with them in my life. This dispute was done in XX/XX/2020. I do not understand why it is taking so long to remove this from my report. If there was issues then I should have been contacted instead of ignore like I this has been.
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  Account Number : XXXX Account Name XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and 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

Someone stole my ID and other items from my purse. Then they were allowed to withdraw {$1800.00}. On XXXX and {$2000.00}. On XXXX. I called the bank and met with bank Mgr. And filled out an affidavit. I also reported and filed areport with XXXX police. I was finally told my claim was denied, because I failed to protect my ID and account number
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes particularly considering the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible The CFPB ' findings indicate that Zelle has not only neglected to protect consumers but has allowed repeat offenders to exploit the system, leaving users vulnerable to scams This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXXXXXX Balance : {$330.00} ; XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2800.00} ; XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX XXXXXXXX Balance XXXX {$1000.00} ; XXXX XXXX  XXXX Balance : {$330.00} ; XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2800.00} ; XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4100.00} ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OK XXXX ; XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$330.00} ; XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Mortgage

I purchased my home XX/XX/2001 for XXXX in the first home buyer program with a fix rate of 8 % and now 19yrs later I owe XXXX my principal is XXXX and my interest isXXXX a month Ive made three attempts to lower my interest rate so now its 6.375 % I didnt know all these years what was being done to me, I could never get my balance down I started off with XXXX XXXX XXXX XXXX XXXX for some years and then without me asking they sold my account to Select Portfolio Servicing which Ive been dealing with for some years now please help me with answers
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/XXXX, I received notification that 4 inquiries were reinserted into my transunion credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

These are all old inquiries that were already on my account, but had since been removed.

Transunion reinserted them, hurt my credit score and failed to notify me in writing of these changes.

I called transunion today to request they remove these inquiries, and they claimed that I was not affected by the transunion inquiries glitch and that there was nothing they could.

I saw a hit to my TU credit score from them reinserting these old inquiries, and would like them to be removed, as transunion is violating section 611 of the fair credit reporting act via their failure to notify me in writing of the reinsertion of these inquiries. Attached is a copy of my inquiries from my official credit report from XXXX showing that the aforementioned inquiries are not showing up anywhere but TU. also attached is the notification I received showing the reinsertion of the scores, and that they were reinserted this past XX/XX/XXXX. these inquiries were made back in XX/XX/XXXX, and should not be reinserted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to help my daughter get an apartment by being a cosigner, and was informed by their management that my credit was horrible. I pulled my credit report and seen accounts that did not belong to me. PLEASE DELETE THESE ACCOUNTS. 

XXXX XXXX XXXX  XXXX {$19000.00} XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX XXXX XXXX {$1800.00} BANKRUPTCY CHAPTER XXXX - DISCHARGED XXXX {$0.00}
Product: Checking or savings account

I received a Welcome package on XX/XX/XXXX that contained a debit card, an account number and a routing number for an account I did not open from a company called Netspend ( via the XXXX XXXXXXXX XXXX. ). I did not open an account with them. I completed a quick internet search and found that Netspend is associated with rebates and tax refunds. So I started down the process of activating the card ( as suggested by the marketing materials. As I continued to activate I was being asked personal information ( social security number ) and to provide documents to prove my ID. I began to get suspicious so I called Netspend and talked to a serve representative. He commented that this was a marketing ( or " promotional '' ) mailing. I was a bit shocked because I received a debit card with my name and and card number, an account number and a routing number for that account. 

Their marketing tactics are very deceptive and possibly abusive - thinking that I already had an account ( by marketing that all I need to do is Activate the card ). Given that " Activation '' is predominately used when someone has an account and a new card is being sent out, this is deceptive in steering people to actually open an account in order to activate it. 

It is also possibly abusive as they have two plans in which you pay for every purchase, ATM withdrawal or reloading the account ; or a monthly plan in which you pay {$9.00} per month plus fees for ATM withdrawals, cash reload and ATM balance inquiries. 

Most banks do not have some or all of those fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been lied to about my credit score. Credit Karma has me down as a XXXX credit score, when XXXX says totally different. They have me as a XXXX credit score. Also there is inaccurate account information that needs to be removed in regards to a debt that has already been paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings My name is XXXX XXXX. On Two Occasions, Credco obtained a copy of my credit report. My ex-wife who I had divorced in XXXX still had access to my social security number. And had tried to purchase a house using my SSN to cosign on a mortgage without my consent These Two occasions were XX/XX/XXXX and XX/XX/XXXX Respectively
Product: Mortgage

This complaint will cover the facts! Wells Fargo home mortgage had manipulated and defrauded our account to the point, Wells Fargo had no actual information on our account, by the illegal loan modification to XXXX when we were receiving monthly mortgage statements showing the pre modification amounts. XX/XX/XXXX unpaid principal XXXX the actual modification payment wasnt due until XX/XX/XXXX! How can it show up on the XX/XX/XXXX? More evidence of Wells Fargos continued lies and fraudulent activities and actions by Wells Fargo. XX/XX/XXXX monthly mortgage statement reflects the amount before the loan modification. XX/XX/XXXX monthly mortgage statement also reflects the amount of mortgage payment before the loan modification in XXXX, how can two separate monthly mortgage statements in XXXX still show the unpaid principal in the amount prior to the illegal and fraudulent loan modification from XXXX? Because Wells Fargo has manipulated and defrauded our mortgage payments since we started paying on XX/XX/XXXX. Wells Fargo continues to deny our complaints and our request for monetary compensation for the 19 years of their illegal activities and actions from the subprime mortgage lending period, to every fine and violations levied against Wells Fargo home mortgage, Wells Fargo bank na, CO. Wells Fargo bank na, CA. Wells Fargo home mortgage inc. and every other company names they have.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed TransUnion four letters disputing a collection account displaying on my credit report. I have not received any information pertaining to the account and requested TransUnion to verify the account and send me the steps they took to verify the account, the documents used to verify the account and provide me with a copy of my credit report. To date, TransUnion has not supplied me with the requested documentation so that I as a consumer can ensure the account has been properly verified. I mailed four letters along with a copy of my ID between XX/XX/2020 and XX/XX/2020. My last letter was sent certified mail and was delivered on XX/XX/2020. Today counts 196 days since I began the dispute process with TransUnion. I now feel that my rights as a consumer have been violated and TransUnion is ignoring my rights that are supposed to be protected under the FCRA. Despite my four attempts, TransUnion is ignoring my request.
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 JEFFERSON CAPITAL SYSTEMS LLC Account # : Unavailable Original creditor : UNKNOWN. I looked at my transition credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the following information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to the 15 USC 1681i 5 they are suppose to do this list ( 5 ) terminal of inaccurate or unverifiable information. ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a customer, 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 the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to nor 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, credit repair services, or other personal consumer reports

A couple time I asked to prove which method they used to verify the information and they never send me any documentation proving how they find out or method used. by law they need to provide. but the never did. On XX/XX/2019 Report # XXXX. I asked and they respond accurate information. XX/XX/2019 Report # XXXX. Same respond. XX/XX/2019 Report # XXXX. Same respond. The account need to be deleted by law. Because the process was incorrect. I was able to fix the situation with XXXX without problem. They can not verified and they deleted the account. 

Account XXXX # XXXX ( XXXX and TransUnion )