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

This XXXX/XXXX  XXXX account is reporting derogatory information as reported in my Credit Bureaus. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The Credit Reporting Agencies has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 

XXXX XXXX
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. 
XXXX XXXX XXXX has violated my rights. 

I have looked at my Experian credit report on the XXXX XXXX XXXX XXXX I 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 information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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; 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 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.

15 U.S.C. 1681B ( 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, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX XXXX XXXX XXXX I wrote transunion requesting an investigation into items that I believed were reporting inaccurately on my credit report. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you make sure they are reporting 100 % accurate information from my credit report and request that you reply within a reasonable amount of time.
Product: Debt collection

A man called from a company called RMB - which I am not familiar with - and asked me to verify the last XXXX digits of my social security number. I asked why. He said " it is a personal matter. '' He told me the last XXXX digits of my social and again asked me to verify that those were mine. I again said, " why do you want to know? He said, " it is a personal matter. '' I told him I would not verify, so he hung up. My husband called the number and spoke with someone there who would still not disclose why they called me. Or what the business matter was. I only know they are a debt collector because I looked up the company online. At no point did the caller identify himself as a debt collector and he revealed my personal information without verifying who he was talking to. I am wondering if this company is legit.
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.

I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXXXXXX XXXX XXXX, Account name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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, credit repair services, or other personal consumer reports

Please see attached Credit report. 
I noticed some inaccuracies and would like them investigated Fair Credit Reporting Act gives me the right to have accurate reporting on all bureaus reporting. The attached will show Huge inaccuracies across the board. Rendering it almost impossible to find a place to live or a better job. 

Also if the XXXX XXXX bankruptcy is discharged .Please remove it from the remarks and my report entirely
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XXXX of 2021 I have made several attempts with the credit bureaus to remove the bankruptcy of my credit reporting profile as this is a violation and I have rights t my privacy. I know my laws and have rights to have it remove. A second letter was send out to the bureaus since XX/XX/2021 and still no response I need this DELETED ASAP.
Product: Checking or savings account

My name is XXXX XXXX I need these issues resolved first issue I can't connect my debit card to my XXXX XXXX when I try I get this error message saying to contact card issuer when I did they can't fix it or XXXX support can't fix it and when I try to link my bank account to XXXX using link it by Wells Fargo login don't work it say this We're sorry. We're not able to process your request right now. Not linked WELLS FARGO Checking XXXX This account needs a little help to link it. Contact us and we can help with that, or you can link a different account. And also I can't add overdraft to my checking account I wanted added please added it to my account when I try to it say this There are no eligible options available to protect this account. 
Overdraft Protection Not Available and when I was at branch location XXXX XXXX XXXX XXXX XXXX XXXX phone number is XXXX and XXXX and fax is XXXX and 24 hour cust svc XXXX XXXX XXXX supervisor name was open my checking account is XXXX XXXX and her email is XXXX but I need a saving account opened she never open a saving account for me and I need also overdraft protection added to the saving for me too I need this my every day checking account to be changed to Premier Checking account with the same account number and router number and saving account by type saving account is XXXX if y'all can't change my checking account type or swipe it to a new account type for the checking with the checking with the same checking account number and router number or Merge it under a new checking account type with the same account number and router number or give me the latest checking account type y'all have with the same account number and router number for the checking account she never tell me the promo y'all have or bonus y'all have I want this to be apply to my old checking account or new checking account Everyday Checking with {$300.00} bonus offer Offer expires XX/XX/year> and wave the {$25.00} open deposit for my new checking account and saving account that was never open in the branch for me by my request when I ask for one and also send my son a debit card to because she told us he cant get one only I can get one because I am his payee for SSI and his name is XXXX XXXX etc please contact me at XXXX and contact me at XXXX XXXX
Product: Debt collection

The company both calls a number no longer mine but a friend uses and shes told them to stop calling as well as myself. Calls continue to both numbers despite requests
Product: Checking or savings account

I have been a long-time standing customer with M & T Bank and it wasn't until 2023 that I have faced immense financial hardship due to this financial institutions inability to protect my information and my funds. I have had several insufficient funds and related fees applied to my account without my knowledge and lack of posting to my mobile banking. I've continuously reached out to obtain relief and I only receive rude/short responses leaving me helpless and still without my money. I am in a constant negative because my request for overdraft protection never applied to my account. I even confided in a third-party debt consolidation company who equally withdrew more funds from my account and also advised I would not be getting those funds back ( which has since been resolved following submission of a previous complaint ). I am DROWNING here and am BEGGING for help. These financial institutions are killing me and my money is all going to fees and it's NOT RIGHT! I make good money and have been trying to get back on track after a ripple effect of non-stop loss of my hard-earned funds. I have a family- this is NOT ok. SOMEONE PLEASE HELP ME!
Product: Prepaid card

I lost my job due to the Covid pandemic. I filed for unemployment and was to receive weekly payments. I looked and nothing was deposited. Kept checking for deposits and still nothing. We were told on the news that many people were not going to receive our payments that we should be patient it would take a while. I kept checking and then stopped checking. I forgot about my unemployment checks until I just recently needed unemployment, a little over 3 years later. I had seen on the unemployment website that over 3 years ago I had supposedly been paid. I checked the prepaid card and the card had been canceled, but was transferred to a Bank of America customer assistant who told me that the card had been canceled and after their review that card had been used in 51 card transactions and there was no money left on the card. I told them that it was impossible I had used it and that card was in our file cabinet since the pandemic first began, and that we were under a lockdown for almost 6 months since everyone systematically contracted the virus and we went person to person until we all finally contracted this virus, during which my mother in law was XXXX  and shortly after died due to XXXX! There was no way we could have used this money. They said they have to file fraud and do an investigation which can take up to 90 days. I've called throughout the last 90 days and nothing is being done and they keep saying that I have to wait the 90 days and that I've just filed the previous week, not 30 days. They are now ignoring my calls and refuse to answer my questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. 
The items below should all be updated to paid as agreed on my consumer report. 
XXXX XXXX  As a consumer by law these accounts on this letter must be updated or deleted immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has reported a charge off to the credit bureaus without providing me documentary evidence of any and all 1099s that was filled with the IRS as it is income according to the IRS. XXXX  XXXX has failed to mail a copy of the 1099 that was filled with the IRS and has reported it as a charge off to the credit bureaus.
Product: Credit reporting or other personal consumer reports

Hi I found fraudulent account on my credit report please delete this account Account name XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Open date XX/XX/year>
Product: Credit reporting or other personal consumer reports

Card was stolen XXXX  and XXXX purchased XXXX  products. XXXX XXXX would not acknowledge my request to return the funds or find the perpetrators.
Product: Debt collection

Prestige financial services are reporting to CRA 's without my written consent. I have never authorized this company to report anything to anyone on my behalf. According to 15 USC 1681 b companies have to have written authorization from the consumer to report anything on their behalf. Please provide me with written proof that I gave consent for this to be reported. On my report it's also show that the account was closed on XX/XX/year>, but is also still reporting after that date. How can a closed account still report after the closing date? It is also showing that its in and collections and written off which mean it has been reported. But if it's in collections I was never advised what collection company it went to. Please provide with what company now has this, and the written proof that I gave authorization to report to Credit agencies on my behalf. If this can not be produced please remove from my credit report in 4 days
Product: Payday loan, title loan, or personal loan

I spoke to a supervisor over an hour and made payment arrangements, of which i have just paid off entire loan XX/XX/XXXX and i just logged into their site to check my account and find out their records show that im in default after i paid it off!!! 
and prior to that i had received a call from them saying i missed my first payment as well. and i spoke to a supervisor as well. THEY ARE STRAIGHT OUT LYING AND RUINING MY CREDIT AFTER LOAN WAS PAID OFF TO!!!!! ASAP THEY ; ARE FRAUDULENTLY DISCRIMINATING AGAINST CUSTOMERS THAT PAID OFF THEIR LOANS!!!! PLEASE INVESTIGATE ASAP>>>>>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed debt collection from XXXX and XXXX. They did not have a proper license to even collect the debt. It was preventing me from qualifying for a new place since it was showing as an active collection. On XX/XX/23 I paid {$130.00} to have the debt removed so I can move. XXXX and XXXX reported the account as paid for removal. XXXX removed the account in XXXX around the XXXX. XXXX removed the collection account on XX/XX/23. Equifax is claiming they have not received this information despite XXXX and XXXX sending the updated information. I also provided Equifax with the paid receipt. I could not open a new dispute with Equifax to provide the actual letter that I received from XXXX and XXXX. I have made several calls to Equifax.
Product: Credit card or prepaid card

I started using the American Express XXXX card for nearly a year now and I find it very difficult to receive the stated rewards/benefits. I called them a couple of months ago about several rewards/credits not honored. After over 40 minutes, I was given one credit that should have been issued because I " have been a cardmember for over 20 years ''. Other items I was told to call another number, or I did something wrong and my issues can't be resolved. This is a card with a {$600.00} annual fee. I have no time to call another number or even call again for a {$20.00} or {$15.00} credit here and there. And I ended up not getting what was promised. Just a few examples : 1. I signed up for a credit back offer with XXXX XXXX XXXX XXXX. I can use the offer three times. The first time the statement credit came through. The second time it didn't. That is the one I got back after my 40+ minute call. The agent said I didn't use the specific link in the offer, but I did. Then she said the data wasn't transmitted to AMEX correctly.

2. I signed up for XXXX following a link in the offers section on the Amex website. But I didn't get credit for the first couple of months. When I called, it was the same story that I didn't use the link, which is not true. The agent said she put me in the program, but I couldn't get credit for the months before the call.

3. I was supposed to get put to {$200.00} credit in miscellaneous airline fees. I enrolled in the offer but didn't get credit for my XXXX luggage fees. When I called later, I was told I not only needed to sign up for the offer but also select an airline. I later wanted to change the airline, and I was told it can't be changed. I have to wait for a full year. It wasn't disclosed the first time I called. Otherwise, I would have chosen a different airline that I pay more fees.

4. I was supposed to get {$15.00} XXXX cash each month. For XXXX, I got a message from XXXX that Amex gave me {$20.00} bonus on top of the regular {$15.00}. So I used it. But then XXXX sent a message that there was a mistake and the whole {$35.00} was taken out of my XXXX account. When I called AMEX, I was told to call another number to get this corrected. And honestly, it's just not worth my time to call. 
5. recently AMEX has a {$10.00} back on XXXX  XXXX purchase. So I signed up for it, paid for the gas. But when I came back to redeem, it looks like I had to open a XXXX  account to get that credit. I didn't want to open an account with XXXX. I am dead ended here and don't know how to redeem the offer. I wonder if I have to call again and spend another 40 minutes. 

Above are just a few examples. It's a card program with many tricks and pitfalls that you just can't get what was promised. I would have expected more from AMEX since I've always had a good experience with them and this card has a very high annual fee. But this time the experience has been very disappointing.
Product: Credit reporting or other personal consumer reports

Delete this fraudulent inquiries from my credit report. I did not authorize any of these. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

While serving oversees my Idenity was compromised. The item below have been fraudulently opened and placed on my credit report. 

1. XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX XXXX 8. XXXX XXXX 9.  XXXX XXXX 10. XXXX XXXX XXXX XXXX 11. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted Equifax about the following negative accounts XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$4400.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2800.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2800.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2022, I learned that two checks that I had placed in the mail had been stolen, washed, and rewritten for much larger amounts, and a total of {$15000.00} had been stolen from my checking account. The first check was stolen in XX/XX/2022 and the second check was stolen in XX/XX/2022. I reported this to my local Chase branch in XXXXXXXX XXXX  and filled out the required affidavits and other forms to submit to the bank 's check fraud department. The bank refunded the amount that was stolen as a result of the second check. However, it did not refund the money that was stolen as a result of the first check ( {$6200.00} ). Therefore, this complaint will focus on the first check ( check number XXXX ). 

I mailed the first check on XX/XX/2022. The thief stole it out of the mailbox that night and cashed the check on XX/XX/2022. Chase denied my refund request regarding the first check because I reported the theft 35 days after the bank 's reporting time limit had elapsed. However, on XX/XX/2022, someone ( presumably the person who stole the check ) called Chase and transferred {$12000.00} from my savings account to my checking account. This transfer occurred without my knowledge, permission, or authorization. I have never transferred money over the phone. Chase failed to properly identify the person who impersonated me over the phone. 

( And on XX/XX/2022, which was right after the second check was stolen, the thief or one of his associates transferred {$30000.00} over the phone from my savings account to my checking account ; the bank failed to properly verify his identity on that occasion, as well. ) If Chase had not allowed the thief to transfer {$12000.00} from my savings account to my checking account on XX/XX/2022, the day before he cashed the first check, then I would have learned about this fraud much sooner, and I would've reported it within the XXXX day time limit required by the bank, because I would have received a text message from the bank saying that my checking account balance had fallen below {$500.00}. I would have immediately inquired as to why my balance had fallen that low because I'm always very careful to have enough funds in my checking account. 

Therefore, I request that Chase refund the {$6200.00} that was stolen from me as a result of the thievery of the first check and the unauthorized transfer of funds from my savings account to my checking account. Ever since I learned of the theft of my checks in early XXXX, I have spoken to numerous Chase staff members regarding the first check, and I appealed the bank 's denial of my refund request. However, the bank still refuses to grant my request, which is why I am filing this complaint with the CFPB. 

Among the documents that I have attached to this complaint, I have included two statements for my checking account showing the unauthorized telephone transfers that occurred on XX/XX/2022, and XX/XX/2022. I also have attached a copy of the first forged check and a copy of the bank 's letter denying my request to return the money that was stolen from me as a result of the first forged check.