23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

Just before XXXX, I XXXX XXXX had my debit card number compromised. When i noticed a negative balance on his account a week later, i immediately reported fraud and was issued a new debit card. Chase reimbursed each transaction totaling almost {$1300.00}. 


However, Chase reclaimed this money on the flimsy defense that because i did not log into his online account during the fraudulent activity, it made me liable -- even though i reported fraud the moment he noticed it, well within Chase 's policy that requires its bankers 60 days to report fraud. 


There are many variables as to why someone would log into their account or not. For me, I had a surplus of money in my account and my bills were paid, so i did not need to check his online accounts as frequently that week. Instead, i freely spent my hard earned money on gifts and social engagements during the holiday season. 


But when i logged in a few days later and noticed his account was drained, he did what anyone would do -- he closed his account and reported fraud. I have since made a police report as well. Also may i add i was never notified by chase of fraudulent activity i found it myself and reported it from looking at my online information. 

Chase 's reasons for not reimbursing XXXX XXXX based on online login patterns are suggestive and unsubstantiated. The patterns Chase should be concerned with is that of blatant fraudulent activity that Chase should have been monitoring to alert him. Chase has an obligation to protect their customers from fraud as a member of the FDIC. 

Even the Branch Manager Vice President, XXXX XXXX, immediately recognized that transactions on a debit card issued solely to myself were being made in both XXXX and XXXX sometimes within hours of making purchases in his my of XXXX, XXXX. Also, the charges in these XXXX other states were always made at gas stations -- sometimes several in the same day -- for similar monetary values of {$100.00}. These are patterns of fraud that is evident in concrete FACTS. 


To think that Chase is more concerned with the subjective patterns of login activity instead of obvious patterns of fraud is downright absurd. Chase is violating their own policies and practices -- the 60 day reporting policy for fraud, the zero liability as a Visa card holder, and the membership Chase holds with the FDIC. 


Due to Chase 's unethical business practices, i had to borrow {$880.00} from family to cover my XXXX 2017 mortgage payment so that he does not default I am appalled at the conduct of this bank and expect Chase to reimburse me so that I may recover my funds as soon as possible. 

But even still, Chase REFUSES to reimburse me. 

Chase Claim # XXXX ( Document Included ) Police Case # XXXX XXXX XXXX XXXX XXXX ( Document Included ) Chase Acct. # XXXX Ive also included my bank statements which show transactions in both states at both times.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lennar Mortgage LLC XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX : UNAUTHORIZED HARD INQUIRY RUN ON MY CREDIT On XX/XX/2020 the above mentioned company ran UNAUTHORIZED HARD INQIURY ON MY CREDIT. THERE ARE TWO INQUIRIES ON SAM DAY XX/XX/2020. 

XXXX RESPECTFULLY ASK, REMOVE BOTH THESE INQUIRESS FROM ALL CREDIT BUREAUS IMMEDIATELY - WITH OUT ANY FURTHER DELAY*****
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified inquiries listed below are still reporting on my credit report in violation of federal law. The XXXX and TransUnion Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following inquiries completely from my Credit Reports : XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Please see My attached With Prejudice as a Memorandum for the Record dated XXXX XXXX XXXX, including supporting evidence, involving third-party debt collector ( s ) or buyers operating unscrupulously to advance a fraudulent and frivolous debt collection action.
Product: Mortgage

In XXXX of 2005, we took out a Line of Credit for XXXX. Later that year we refinanced our First. XXXX was supposed to pay off the Line of Credit. Now 18 years later, we find out the Line of Credit was never paid off by XXXX. Now, the company holding the Line of Credit loan wants {$170000.00}. We have not heard from this company in 18 years. We have never made a payment to this company, since we thought it was paid off. 

We live in CA, our house in worth approximately {$500000.00}. Our First is {$160000.00}. We are current on our First. Now that this company found out we have so much equity in our house they are threatening Foreclosure. The Company that holds the note is Real Time Solutions.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent a dispute of inaccurate and/or incomplete information in my consumer report to Equifax, XXXX, and XXXX. The Public Record that they were reporting concerning me was unverifiable by them.

I requested a description of the procedure used to determine the accuracy and completeness of the information of the disputed information, I asked for the business name and address of all furnishers of information contacted in connection with such information and the telephone numbers of such furnishers when they initially prepard the consumer report with the information, investigated the data, and reinvestigated it due to my current dispute. 

Unforntunately, it appears that they did not have reasonable procedures in place to assure maximum accuracy and completeness of the information that they included in their consumer reports thatq they prepared concerning me. Also I received information back from Equifax that they could not locate me in their database.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these account in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I just wanted to notify CFPB of an issue I just dealt with at American Express in hopes others might benefit. I made a payment to American Express that was cleared at my bank on XX/XX/XXXX which is one ( 1 ) day before the payment due date of XX/XX/XXXX. American Express credited my account for the payment on XX/XX/XXXX and proceeded to charge me a {$38.00} late fee and {$0.00} finance charge, as well as raise my interest rate on the card. After I contacted the company about the discrepancy, the company agent informed me that the company had issues recently with a 3rd party contractor that applied payments late to many customer accounts. I was refunded and my account returned to its original condition. However, I received no prior notification of this issue at any time and I can only wonder how many other members have not had time to review their financial statements like I did. I always receive my bill notifications by email on time, but somehow when the company erred, the members were not notified.
Product: Credit reporting or other personal consumer reports

From my understanding of FCRA 605B, we are required to remove any incorrect accounts from my credit report. Could you please examine the documents? Some of the listed accounts have inaccuracies in reporting, including incorrect amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on 3 credit bureaus to remove the unverifiable items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint XXXX & I am including it again. XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXXXXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXXXXXX XXXX  XXXX XXXX Date Opened XX/XX/XXXX Balance {$5000.00}, XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXXXXXX XXXX Date XXXX XX/XX/XXXX Balance {$0.00}, XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$1800.00}.
Product: Credit reporting

i do'n owe any money i have excellent credit Experian keep entering out dated information on my report
Product: Credit card or prepaid card

OPENED STORE ACCOUNT XXXX AND LATER OPENED STORE ACCOUNT XXXX  BOTH WITH COMENITY BANK. NEVER RECEIVED CHARGE CARDS- NEVER RECEIVED INITIAL STATEMENTS - DELAY IN RECEIVING STATEMENTS DUE TO BANK ERROR WITH MY ADDRESS - LATE FEES CHARGED - PAID OFF CLOTHES - SPOKE WITH REPS MULTIPLE TIMES TOLD FEES WOULD BE WAIVED - CONTINUED TO RECEIVE BILLS - CONTINUED TO CALL- CONTINUED TO HEAR FEES WOULD BE WAIVED - WAS REPORTED TO CREDIT BUREAU - IMPACTED MY CREDIT RATING UNABLE TO OPEN AN ACCOUNT AT MY BANK. 

CREDIT RATING RUINED DUE TO THIS BANK 'S ERRORS. WHY WOULD THEY DO THIS? I RESPONDED TO THEIR CALLS- I CONTACTED THEM A FEW TIMES.
Product: Debt collection

I disputed the collection with the the collection agency my claim shows evidence of identity theft from a police report. Per Section 609 ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), you are required by federal law to verify any and all accounts posted on my credit report, and only report accurate information. I request all verifiable proof you have on file for the listed following account with original documents/wet signatures and no screen shots. These delinquent account record is inaccurate. I request that the following account be promptly removed immediately off of my credit for XXXX {$790.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

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

I sent a letter on XX/XX/2022 to remove collection accounst that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the XXXX/XXXX/2022. Ive already included this in my previous Complaint # XXXX & I am including it again. 

XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$260.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance : -
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX should not be reporting to Equifax ; XXXX XXXX XXXX lates for the months of XXXX and XXXX, 2020. ( Please see pages attached from my credit report. I have also attached a copy of my drivers license for identification purposes. ) The vehicle was stolen and when it was recovered it required extensive work with the auto mechanic. I contacted XXXX and was granted a payment extension. ( Please see the attached letter from XXXX titled Payment Extension Notice for reference. ) This false reporting of lates on this account is seriously harming my credit score and these lates need to be removed. Also, Equifax ; XXXX XXXX XXXX are reporting this account as not in dispute. This account is in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the collection account XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXXThe Credit report of Transunion dated XX/XX/2020 show item deleted from my credit file. Now this item has been reinserted on my credit report. 

In accordance with the requirements of the FCRA stated below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C, 168i ] Requirements relating to reinsertion of previously deleted material.

Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate.

If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertio
n or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date.

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy of completeness of the disputed information.
Product: Credit reporting or other personal consumer reports

These are my disputes for Equifax as they havent responded to fix some of the issues with my credit report. see attached
Product: Credit reporting, credit repair services, or other personal consumer reports

Please refer to previous CFPB report number XXXX letter attached. I contacted the Credit bureau XXXX to advised that my report was inaccurateXXXX XXXX  shows XXXX effective as of XX/XX/XXXX this account was opened in XXXX and charged off on XX/XX/XXXX as reflected in their response in this letter. All bureaus were notified along with CFPB however inaccurate information is currently being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was contacted by a notice by PACIFIC CREDIT SERVICE attempting to collect a debt that I never contracted or agreed to pay. They reported negative and defaming information beginning XX/XX/2019 on my credit report. I sent a debt validation to no avail. They never supplied sufficient information to me in order to validate the debt. I do not agree with their ACTIONS. I have challenged the accuracy and integrity of the information. Please help me in getting this resolved asap. 12 cfr 1022.41 ( a ) ( 1 ) ( 2 ) ( 3 ) state that data furnishers Reflects the terms of and liability for the account or other relationship ; Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and Identifies the appropriate consumer. 
12CFR 1022.41 ( d ) ( 1 ) ( 2 ) ( 3 ) ( i ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : Is substantiated by the furnisher 's records at the time it is furnished ; Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to address ongoing issues with XXXX, XXXX, and Equifax regarding inaccurate and misleading information on my credit reports. Despite multiple disputes, the errors remain unresolved, which demonstrates noncompliance with federal consumer protection laws. 

Details of the Inaccuracies Incorrect account dates that do not match the original creditor 's records. 
Inaccurate balance amounts, which are not consistent with actual account statuses. 
Payment history errors, such as reporting late payments that never occurred. 
List of Accounts with Errors The following accounts contain inaccuracies : Account XXXX : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

I received a bill on my account with XXXX XXXX in late XX/XX/XXXX. 
Payment was due XX/XX/XXXX. 
There was a charge on XXXX XXXX, XXXX, for {$530.00} at XXXX in XXXX, California. All other charges in XX/XX/XXXX were in the XXXX metropolitan area where I live. I did not make a charge at XXXX at XXXX, California. 

In XX/XX/XXXX, I was treating for XXXX and COVID was raging. No travel was advised and I did not travel during that time. I did not purchase the phone in XXXX, California. The credit card said it was an in-person purchase. A review of any security tape will show that it was not me. 

I immediately challenged the charge with XXXX XXXX  Company. I have had this credit card for 30 years and have never had a similar problem. I have always paid my bill in full. 

In a letter dated, XX/XX/XXXX, the credit card denied my disputed charge. 

I would like to appeal this charge as I did not make it.
Product: Credit card

In XX/XX/year>, I applied for the apple card. As stated in the promotional link, there should be {$100.00} open card bonus. But I never received that. I contacted Godman sachs for three times. Everytime they will ask me for a screenshot of the promotion link. I provided that. They said they will build that case. Then next time they will let me submit the screenshot again. This is an endless cycle. They just don't want to offer the bonus.
Product: Debt collection

I am writing to you in regards to the collection account that is appearing on my credit report. I have no knowledge of this account and have sent letters requesting validation to the medical collection agency, but they have failed to provide any proof. If they can not validate it, how can you report it?! XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Date Opened : XX/XX/2023 Balance : {$50.00}. Since the collection agency can not provide any information about the debt, perhaps you can tell me who the original creditor is, what service they performed, where they are located, and the amount of the balance. Since the collection agency can not confirm it, I expect that you can not either, and thus, it must be removed from my credit report. If you fail to do so, I will be forced to involve the Federal Trade Commission.
Product: Checking or savings account

I opened up a Wells Fargo checking account by clicking on the specific link on XXXX  for the {$400.00} new checking account offer. I have satisfied all of the requirements but Wells Fargo is not fulfulling their end by not depositing the {$400.00}. I have messages from Wells Fargo reps from XX/XX/19 confirming that the {$400.00} would be deposited after I met the requirements which I have. I am starting to think this was another ploy committed by Wells Fargo designed to get people to open new checking accounts and not holding their end of the deal up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, In accordance with the Fair Credit Reporting Act XXXX  Account # : 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

XXXX, XXXX XXXX Transunion have violated my rights. They arent doing their job according to the law. Which is keeping me from getting a new apartment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Shellpoint mortgage company sold my mortgage to XXXX XXXX XXXX on XX/XX/20. They refused to accept my mortgage payment because they were concerned it would not be routed properly and informed me to instead make the payment to XXXX XXXX XXXX. Spoke to a representative named XXXX XXXX who informed me that I was protected from any derogatory reporting for 60 days per RESPA guidelines and because I am a California resident. On XX/XX/XXXX, I received alerts from several credit monitoring services informing me that Shellpoint inaccurately filed a derogatory rating for 30 day late payment in XXXX, during the required RESPA period. I want this inaccurate information removed from credit history immediately since it is affecting my ability to obtain a home improvement loan.
Product: Checking or savings account

I received an email offer from US Bank that if a checking account was opened before XX/XX/2018 I would receive {$200.00}. I did all the required direct deposits and they are not honoring the offer. They're claiming the offer code was not entered. I opened the account from the email and there was not an area to enter an offer code. This is deceptive and dishonest of them. I still have the email.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Student loan

Wells Fargo & Company, has refused to provide me a referral to Identity Theft Assistance Center ( ITAC ). Because I have been a victim of identity theft I have been subject to significant financial problems and expenses as a result of Wells Fargo & Company failing to provide a referral to ITAC. 

I am demanding immediately, that Wells Fargo & Company provide me a referral to ITAC. My phone number is XXXX XXXX XXXX XXXX and Wells Fargo & Company can also contact me via email at XXXXXXXXXXXX, as well as via physical mail to the following address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX look forward to working with ITAC XXXX an effort to resolve Identity Theft issues and expenses.