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

I am submitting this complaint against Equifax Regarding Inaccuracies In My Personal Information As Reported In My Credit Report. 


Details Of The Dispute : 1. Incorrect Name : My Current Legal Name Is XXXX XXXX, But It Is Incorrectly Listed As XXXX XXXX, XXXX XXXX XXXX XXXX On My Credit Report. I Request That My Name Be Updated To Reflect The Correct Information. 

2. Outdated Address : My Current Residential Address Is XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Oh XXXX, While My Credit Report Shows An Outdated Address XXXX XXXX XXXX XXXX XXXX, Fl XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Oh XXXX. C ) XXXX XXXX XXXX XXXX XXXX, oh XXXX. D ) XXXX XXXXXXXX XXXX XXXX XXXXXXXX, fl XXXX. XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, fl XXXX. I Request That My Current Address Be Updated Accordingly. 


3. Employer : My Current Employer Is XXXX XXXX XXXX, But It Is Listed Incorrectly On My Credit Report As Employed. I Request That Employer Be Updated To Reflect The Correct Information. 

Supporting Documentation : I Have Enclosed Copies Of Supporting Documents To Verify The Accurate Information Provided Above, Including : A Copy Of My Driver 's License Or Passport Displaying My Correct Name. 
A Recent Utility Bill Or Bank Statement Showing My Current Address And Current Employer.
Product: Debt collection

I have contacted this company several times and informed them that this account is not mines. I have also sent them a letter stating that this account is not of my knowing. If this doesn't get resolved soon i will be forced to use legal actions. Please remove this account as soon as possible.
Product: Checking or savings account

Dear Customer Financial Protection Bureau ( CFPB ) Representative, I hope this email finds you well. I am writing to file a formal complaint against CHASE Bank regarding their failure to return my balance from my closed checking account and savings. 
I am a loyal Chase Bank user. I have been using Chase Bank for more than 10 years. However, around XX/XX/XXXX last year, I suddenly couldnt log in to my online account. I called them and they told me that my checking account and savings were closed and the accounts balance would be refunded to me in the form of two checks, so I waited for over two months. I received two letters in XXXX this year. two letters said that my checking account and savings were closed on XX/XX/year>, And the balance {$4500.00} of the checking account and the balance {$350.00} of the savings had been deducted in the form of two checks on XX/XX/year>. But I haven't received my checks yet. I have been to Chase Bank branch multiple times and called them multiple times in two months, it cost my a lot time. and each time they said my case was being reviewed and would not tell me the review time.I just realized my check wasn't mailed and my account balance was wiped clean by chase bank.I did not receive any notification about the reason why my account balance was wiped clean and my account balance have been wiped clean of fund for no reasons.I believe this failure to fulfill their commitment is a violation of their terms and a breach of the agreement made between CHASE Bank and its customers.As I have been a Chase customer for over 10 years, Despite my repeated attempts to contact chase Bank, I have not received any satisfactory resolution to this matter.I am extremely disappointed with this behavior from Chase Bank. This has brought great difficulties to my finances.There is another problem. Around XXXXXXXX, I called customer service and was told that my accounts had been closed. But I received the letter, and it said it was XX/XX/year>, which was inconsistent with the previous date. 

I trust that the CFPB, as the governing body overseeing fair and responsible banking practices, will thoroughly investigate this complaint and take appropriate action against CHASE Bank if necessary. I would greatly appreciate your assistance in resolving this matter and ensuring that my rights as a consumer are protected. 

Thank you for your attention to this matter. I look forward to a prompt resolution and a favorable outcome. Please do not hesitate to contact me if you require any additional information or documentation.
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported to be removed/updated.

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

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

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

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$2000.00}, XXXX XXXX Balance : {$2700.00}, XXXX XXXX XXXXXXXX XXXX XXXX : {$8200.00}, XXXX XXXX Balance : {$220.00}, XXXX XXXX Balance : {$6600.00}, XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I have disputed information on my credit report numerous times and there was not documents presented to validate items disputed. 
In accordance with the Fair Credit Report act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX According to XXXX vs. XXXX 1997 Experian suppose to ensure MAXIMUM POSSIBLE ACCURACY. These accounts violates these laws. 15 U.S.C 1681 ( i ), 15 U.S.C 1681C-2 ( A ) ( 4 ) right to privacy ,15U.S.C 1681eb, 15 U.S.C 1681b A ( 2 ) permissible purpose.

This account was charged off and still has a balance. Any account that has been charged off must carry a balance of XXXXXXXX. This account is violating every 15 U.S.C 1681 CODE. Not only is Experian not providing the charge off documents as stated charge off by creditor, it refuses to validate this information. Please delete this account. This account is considered identity theft at this point.
Product: Debt collection

I recently paid the debt debt collection dealing with XXXX XXXX XXXX to ASSET CARE located in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX They had not removed the letter but sent me a letter in the mail stating the debt was paid. 

Now that I received the letter it has been placed again under a company that is right accoss to their building CAPIO PARTNERS XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I believe this company is trying to scam more money from me under another debt collector
Product: Mortgage

A class action suit was filed against our lender XXXX JP Morgan Chase XXXX regarding unreasonable in-house insurance premiums being charged on some housing loans and me and my deceased spouse were among those who have paid these in house insurance premiums. A settlement was finally reached but my monetary claim is being held by plaintiff lawyer/s for failure to submit sufficient documentation of my authority to file and sign a claim on behalf of my deceased wife/co-claimant. I am being required to submit " Certified Copy of Letters of Administration or Testamentary as evidence of my authority toto file and sign the claim on behalf of my XXXX wife ''. 
I believe their above requirement is unreasonable and too burdensome for a struggling widower who is simply living on paycheck to paycheck just to be able to maintain a decent living with a house of my own. I can not afford to hire or consult a lawyer to adviseme on how to obtain this so called " Certified Copy of Letters of Administration, etc etc ''
Product: Debt collection

The company calls almost every day. They are calling for someone with the same last name. I have a very common last name. I have asked them to stop. They continue to call. I do not have debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account Name  : XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX  Account Number 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: Checking or savings account

On XX/XX/2018 my wife received a phone call from a company claiming to be XXXX XXXX XXXX ( XXXX XXXX on the caller ID ), they said our I-tunes account had been hacked and that we were facing the potential loss of {$10000.00}, but that they could help stop this hack if we gave them access/control of our computer and purchased XXXX XXXX  cards. The caller claimed that if my wife gave them the numbers on the XXXX XXXX cards they could track the supposed hackers. They said they would not use the XXXX XXXX card numbers but would only use the card numbers to stop the hack and then my wife could return the cards to the store for a full refund. They sent my wife an e-mail and she followed a link to give them control of our computer. They stayed on the phone with my wife while she drove to town and purchased 2 XXXX XXXX cards at {$500.00} increments ( {$1000.00} total ) using our Wells Fargo Debit card at the local XXXX. She gave the person on the call the card numbers. They said this reduced our financial exposure down to {$7500.00} but that we needed to get more XXXX XXXX cards to stop the hacker. The person on the phone told my wife to go to a different grocery store where she purchased 3 more XXXX XXXX cards at {$500.00} increments ( {$1500.00} for all 3 ) using our credit card. At this point the credit card company called my wife to determine if this charge was legitimate, she realized that she was being scammed and the credit card company was able to immediately reverse the charges. She then hung up on the caller who was scamming her and she verified that they had drained the funds from the XXXX XXXX cards. When she got home she called Wells Fargo immediately and reported that she had been scammed and that they began their investigation but told her on the phone that it was doubtful that the money could be returned because of the circumstances. On XX/XX/XXXX we received a letter from Wells Fargo informing us that they would not reimburse the money since the transactions were correctly charged to our account. We reached out to our representative at XXXX XXXX  to ask what can be done to resolve the impasse with Wells Fargo, they recommended that we submit a claim to the CFPB to see if you can help us negotiate with Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 i sent several letters to creditors XXXX XXXXXXXX {$820.00} {$640.00} {$400.00} XXXX XXXX {$820.00} XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX  {$890.00} XXXX XXXX  {$820.00} {$710.00} XXXX XXXX XXXX {$400.00} {$640.00} {$230.00} XXXX XXXX {$340.00} XXXX XXXX {$500.00} XXXX XXXX XXXX {$1100.00} {$500.00} {$850.00} XXXX XXXX  {$890.00} XXXX XXXX {$2500.00} XXXX XXXX {$500.00} XXXX XXXX {$570.00} {$570.00} XXXX XXXX  {$2500.00} about false collections on my credit report as well as late payments and creditors selling accounts to multiple debtors .Theyhave Not excercise my right under the fair credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a copy of my police report with Equifax detailing a fraudulent account from XXXX being reported on my credit profile. The fraudulent account continues to report in error. I am a victim of identity theft by a relative that opened numerous accounts in my name, as detailed in the police report.
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. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCIUNT COMPLETELY FROM MY CREDIT REPORT : ( Original Creditor : ) XXXX
Product: Money transfer, virtual currency, or money service

In the last 2 weeks I attempted to send money to XXXX to a friend of my mothers because my mother is in hospital. The information was missing the middle name. I called to add it and have been told the system had errors and offered a refund. I ended up sending it to my mother in her name. We had an ambulance service take her to a payout location. The information is correct because in the past I have sent her money. Today she was taken to retrieve it and the payout location told her the information was correct, that her middle name was showing as her last name. I sent the confirmation ( MTC ) to her to show the name is correct. In calling western union, they could not offer a reason and would not help further resolving the issue and again offered to cancel the transaction and refund. This will be the 3rd time they would have had to cancel the refund. Now my mother is unable to pick up the money without scheduling another ambulance ride to western union pickup location. I repeat, the information matches her ID exactly and they would not get her the money ... In the last few months, western union has given my conflicting information that does not match from one representative to another.
Product: Mortgage

In XX/XX/XXXX, my husband and I were granted a trial payment plan through Penny Mac USA due to financial difficulties my husband and I had endured. I made my first trial payment, and submitted my agreement via fax. We received a letter in XX/XX/XXXX stating that our trial payment plan had been cancelled due to not providing the documentation in time. I called customer service who reported they never received it, and did nothing about it. I then emailed corporate due to my frustrations. They sent me a complaint team member. This team member requested a copy of the fax confirmation which I sent so it could be reinstated. The staff member inquired about jobs, which my husband and I had both lost our jobs and began a job change. She then asked if we defaulted on the trial payment plan which we assumed was yes. We did not continue with our payments due to their mistake and the confusion, and wanted to protect ourselves. Come to find out yesterday, however, she assumed we meant we would have defaulted anyways which is not what I meant. She would not provide me with documentation of saying this either though I have all email correspondence and there is no record on email. At the beginning of XX/XX/XXXX, I communicated with this staff to begin a new application. I never heard back from her for four weeks, and had to reach out first to have the process continue this week. By this point, I had received a deed of trust. She sends the information to the underwriter who informs me to ask for a postponement as I had not received a full paycheck yet, and would not until the end of XX/XX/XXXXand for the mistake. I requested this and it was denied, with my auction set for Monday. None of this would have occurred had my documentation not been lost. They have switched this to put the fault on me when they lost documentation escalating foreclosure. I am so frustrated.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name XXXX Account Number : XXXX Account Name XXXX Account Number : XXXX Account Name XXXX  Account Number : XXXX Account Name XXXX XXXXXXXX Account Number : XXXX
Product: Money transfer, virtual currency, or money service

Cash app is violating the law by not having a XXXX number to call when dealing with issuss.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have chatted online and called multiple times on protecting my name and address from bein used and twisted around and now there are multiple hard inquiries that need to be removed it is effecting my credit score while trying to handle business
Product: Checking or savings account

Dear Sir : I have a membership with Experian Credit watch : I have been in good standing with them for a long time and have an auto debit for my monthly membership fees. Well on XX/XX/year> which will clear on XX/XX/year> they took {$21.00} out of my account. I called them about it and they said they would take care of it and refund the money. I thought it was taken care of but today I checked my Bank Account and they took another amount of {$17.00}. Sir this is not the first time. This has happened in the past. I want money back I'm a XXXX XXXX XXXXXXXX veteran and live on a budget. They are suppose to protect against money rip off deals and here they are doing it. This can not stand. I demand my funds back and then and only then I will consider if I stay with them or not. 

XXXX XXXX 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

XXXX XXXX  has made super hard the process if paying off my XXXX Credit Card for my business XXXX XXXX XXXX XXXX as of today and after calling XXXX I was able to pay XXXX average balance in the card. 

I have reach to XXXX excutive office trying to let them know of the situation as they have report to my personal credit due the fact that i was added as a co guarantor something i didnt know but they sent their agreement on the card so i have no option. 

I has no able to pay the card before because we are on the Music Industry and our business has been close with zero income, i am on the middle of moving and this negative reporting on my personal credit is hurting my avility of seeking for a new apartment as my credit score is super low since there is a negative reporting plus a over utilization on my cards, i was neither able to get approved for the SBA loan since my credit is bad due to this, this is the first time i ever been late in a payment and i am trying to seek the XXXX XXXX  to understand the situation and knowing that the business has take care of the FULL balance by paying over the phone and the Confirmation is XXXX i will like for XXXX to remove the reporting on my personal credit as i am no any longer responsable for debt as there is NO debt any longer
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several issues with this report done through First Advantage such as the following my reports been used for employment verifications along with a background check regarding my life and this company has provided more than 7 years and even 10 years worth of information which I feel is more than enough to go off of I am requesting that this information be removed immediately from my credit reports anything over seven years should be removed per the statue of limitations. Also ALL charges from XX/XX/XXXX are completely wrong I was arrested XX/XX/XXXX and that is the actualy date in which should be used in the reports and I have the proof to provide this information I am requesting please fix this erroneous report and remove it from my background check report due to this being over 7 years. in regards to the criminal record Please fix the date for the XX/XX/XXXX to XX/XX/XXXX and I can also prove these dates to be wrong as well and would like to request that this be fixed. No information should be shared over seven years and I would like to request to please have this issue fixed thank you. If you need any further information I can provide it thanks ....
Product: Bank account or service

Wells Fargo Bank XXXX XXXX XXXX, GA XXXX XXXX XXXX denied me access to Small Business Non Profit Checking Savings Account ; Federal Violation of ECOA Discrimination Violation of Civil Rights Act as Amended base on my ( XXXX ) XXXX XXXX ( XXXX ) XXXX for a NonProfit Faith Based 501 ( c ) ( 3 ) IRS ; Active Status with the Georgia Secretary of State Office and sent me away to produce Articles of Incorporation and Certificate of Incorporation that has been in Wells Fargo Profile sinceXX/XX/2002. Lack of professionalism on behalf of that Branch Manager and staff member for offering to cash a personal check written by a Wells Fargo Customer to me in denominations of {$20.00} bills ( total check {$3.00} ) or offered me to go to another Wells Fargo Branch.