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

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$960.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$930.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$210.00} XX/XX/XXXX XXXX XXXX {$1900.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$370.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$540.00} XX/XX/XXXX INQUIRIES NOT RECOGNIZED XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian 15 U.S.C , 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

After being drastically impacted by the XXXX XXXXXXXX pandemic. I reached out to Exeter regarding my auto loan. They offered to place me on a payment plan which I honored. However the system still reported me as late to the credit bureau 's. After speaking with Exeter they advised me this was systematic understanding my concerns but stating that nothing could be done. This is a violation of the Fair Credit Reporting Act. Therefore I'm seeking the removal of the following late payments XXXX & XX/XX/2021.
Product: Debt collection

I haven't supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presumethat no proof of the allege debt, nor therefore any XXXX such debt, in fact therefore exists
Product: Credit card or prepaid card

Synchrony XXXX XXXX ( XXXX XXXX XXXX ). 
When a promotional purchase is made on XXXX, Synchrony advertises equal monthly payments with no interest, versus a payment in full. 

Given the volume of transactions that Synchrony processes through their online system, It is fair to say that their payment allocation options are intentionally inadequate and crafted to maximize consumer error. 

The basic expectation from a consumer 's perspective, is that Synchrony provide a simple way to auto-pay a promotional purchase ( over 1 year for example ) while still allowing the auto-payment of the required monthly balance related to other purchases. 

Synchrony does not do this. Instead, Synchrony provides a hierarchical payment allocation method like " Allocate Payment to Non-Promotional Balances First ''. 

After making a promotional purchase, a consumer that previously had Auto-Pay setup to pay the required monthly balance in full, now has to remove that form of auto-pay and select the correct allocation. Then the consumer needs to review their purchasing activity, locate the promotional purchase, and calculate their monthly payment for the promotional purchase. Then the consumer needs to go back and review their total balance and figure out how much to set their auto-payment amount to so that they will not incur penalties. And finally, the consumer needs to make sure to login each month and update and re-calculate their auto-payment amount If they make additional purchases.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed a copy of my consumer, and I noticed that it is reporting an experience with AMERICAN EXPRESS. 

The line of credit I have with AMERICAN EXPRESS is characterized as utilization on my consumer reports. AMERICAN EXPRESS IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports. 

Regarding the : American Express Cash Magnet Card, AMERICAN EXPRESS is in clear violation of the law. Pursuant to 15 USC 1681a 2 ( A ) ( 1 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES Transactions or experiences between the consumer ( ME ) and the person ( AMERICAN EXPRESS ) making the report is NOT INCLUDED on my consumer report Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( AMERICAN EXPRESS ) that is making the report. CONGRESS clearly states that the reporting of transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 
AMERICAN EXPRESS HAS VIOLATED THE FCRA 15 USC 1681a 2 ( A ) ( i ) by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.

I mailed a letter to Amex expressing my concerns via USPS trackiXXXX # XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to report fraudulent accounts that have been added to my credit report, which I believe to be the result of identity theft. I have already disputed these accounts with the credit reporting agencies, but the fraudulent information remains unresolved, and I am seeking assistance from the Consumer Financial Protection Bureau ( CFPB ) in investigating this matter and taking appropriate action to have these accounts removed. 

The following accounts are fraudulent and have been reported inaccurately on my credit report : Fraudulent Accounts Charge-Offs : XXXX XXXX XXXX Account Number : XXXX Status : Charge-Off XXXX XXXX XXXX Account Number : XXXX Status : Charge-Off Late Payments : XXXX Late Payment : XX/XX/XXXX XXXXXXXX XXXX  Late Payments : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX Late Payment : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Status : Collection Account Hard Inquiries : XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Explanation of Fraud I have never authorized or opened any of these accounts. The information provided to the credit bureaus may have been obtained through fraudulent means or identity theft. In addition, there are hard inquiries that I did not initiate, indicating that my personal information may have been used without my consent. 

I have disputed these fraudulent accounts with Equifax, XXXX, and XXXX, and have provided them with all required documentation to support my claim. However, these errors remain on my credit report. 

Request for CFPB Assistance I am requesting that the CFPB investigate this matter, as it appears that my personal information has been used fraudulently. I seek your assistance in removing the fraudulent accounts from my credit report and ensuring that my personal data is protected. 

Please find my contact details above, and let me know if additional documentation or evidence is needed for your investigation. 

Thank you for your prompt attention to this issue. I look forward to your guidance on how to resolve this matter.
Product: Credit reporting or other personal consumer reports

Transunion reported a voluntary repossession on my report for almost seven years on my credit report. They finally removed it after I was forced to hire at least two credit repair companies and had to spend time and money disputing it myself when I sent proof TWICE that the company was in litigation with the CFPB and that I was a victim. Long story short, a resolution from the car lending company finally came. They sent me a letter stating that the loan was considered paid in full and that no further money was owed. And they told me that they did report it to all three bureaus. Hence, Transunion 's reporting of a voluntary repossession was inaccurate and incomplete and violated FCRA laws. I am uploading documentation from XXXX XXXX stating that no further money is owed.
Product: Checking or savings account

On XX/XX/year>, I received XXXX missed phone calls from XXXX, which is Suncoast Credit Union 's credit card fraud number. The representative on the phone claimed to be from Suncoast Credit Union and asked about XXXX charges of {$850.00} and one of {$530.00}, which were unauthorized transactions. The person said they disputed the charges. On XX/XX/year>, the XXXX charges were not disputed and the {$4700.00} was stolen out of my account by the scammer. I did not realize I was being scammed the night before. The charges had a location of XXXX XXXX, CA and I live in Florida where I had my card with me and rarely use XXXX. I reviewed my XXXX purchase history and none of those XXXX charges are listed on my purchase history. On XX/XX/year>, I reported this to a REAL representative at Suncoast Credit Union and all the charges were disputed and reported to risk management for a claim and investigation. I was reissued new bank accounts, account numbers, debit and credit card, and had my credit score frozen with all three credit bureaus. My bank denied my claim of {$4700.00} dollars because they claimed the transactions were authorized by XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone stole my identity and opened this account and I need it removed, I filed a report with Identitytheft.gov
Product: Checking or savings account

I had an existing Accelerate Savings account with $ XXXX. Yesterday I transferred an additional {$49000.00} to the account bringing the balance to $ XXXX. I woke up to find that I was locked out of my account for " fraudulent activity '' and when I called customer support was told that they were locking me out of the account and would send me additional information in 30-60 days.
Product: Mortgage

My loan was being serviced by XXXX during the year of XXXX. For the 3rd and 4th quarter XXXX they reported 30 day late payments due to a misapplied payment by the processor. Although they were notified they did not make the correction on my report. In previous phone calls they had stated that a late charge had carried forward but they had also told me that late charges should not be reported negative. 
I received a notification of transfer XX/XX/XXXX to Loancare/XXXX. Prior to this transfer I had made XXXX aware of misapplied payments again in XXXX and received a letter of investigation from them. I also sent them information via email showing this misapplied payment. 
When I went to originate a new loan with XXXX XXXX XXXX XXXX-XXXX XXXX it was determined that XXXX had not made changes to my credit, Loancare had begun reporting me negative as well, and that payments had been misapplied by both lenders. 
XXXX late payments- reported late payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX & 30 day late payments reported. 
LoanCare- late payments reported XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX They have greatly impacted my credit and ability to be approved for a mortgage loan based on their egregious posting of my loan payments that have never been late. They have impacted my credit standing and caused me to spend time, effort and money to pursue resolution. 
XXXX has not been responsive and I have had to contact them almost on a daily basis. Loan care reported me late for periods during which they did not service the loan. I have all cancelled checks to support on time payments and negate their erroneous reporting of late payments to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

A fair solution would be to fix the errors on my report especially the late fees that already have been paid in full!!!
Product: Credit reporting, credit repair services, 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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : 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 XXXXXX/XX/XXXX
Product: Checking or savings account

This the note I sent to the office of US Bank office. This is after being denied access by the representative ***SECOND REQUEST*** ESCALATE TO THE OFFICE OF YOUR PRESIDENT** This is my second request. Please remove a {$36.00} from my account. Also I am requesting that my call to your call center at   XXXX   XXXX  . I was treated horrible by your customer service who placed me on hold several times without any apologies and holds lasting over 5 minutes. I was then transferred to a so call manager when I purposely asked not to transfer me. To top it all off I was transferred to an answering machine not a live person. I am going to contact the media as I was made to feel like the  XXXX  passenger who was dragged through an airplane. In addition the Consumer Financial Protection Bureau will be contacted with an official complaint.
Thank y  ou  XXXX   XXXX
Product: Credit card or prepaid card

In XXXX of XXXX I filed an unemployment claim with the California EDD and subsequently received a debit card from Bank of America. On XX/XX/XXXX my remaining balance of {$3000.00} was withdrawn from my account. I, however, did not withdraw the money. I reported this to BofA and received a notification on XX/XX/XXXX that the research had been completed and they were denying my claim of fraudulent activity on my card. 
Since then I have made numerous phone calls to BofA and spoken to multiple people. The claim was reopened and is still being investigated. Today XX/XX/XXXX I called BofA again and spoke to XXXX from Nevada. He said my account should have been resolved already, so the next step was to file a complaint that would take an additional 45 days to resolve. He filed the complaint. 
It appears that BofA has absolutely no intention of resolving this issue! This is a lot of money, I'm still unemployed and this situation has created a significant hardship for me and my family. 
Thank you.
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 XXXX XXXX Account Number : XXXX Account name : XXXX XXXX, XXXX Account Number : XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I applied for a Merchant account with XXXX XXXX XXXX ( TSYS ) processor. XXXX. 

On XX/XX/2023, I received a declined response ( underwriter ). The merchant services stated the application was declined due to the MATCH list reported. I requested the detailed information from underwriter ( XXXX XXXX ), but refused to share with me my XXXX report.
Product: Bank account or service

Chase Bank has a " policy '' that any deposit made after XXXX will be credited the next day, however CASH deposits show as available money in the account, available after making the deposit at anytime of the day or night. Chase openly admits that they have now charged my account three times because a cash deposit was made after XXXX and transactions that were pushed through that night caused and overdraft fee despite the fact that my account clearly showed an " available balance '' of higher than all transactions. Chase hides behind their " policies '', but what they are doing is criminal. The Cash deposit was in the account BEFORE the charges were pushed through, the available balance was higher than the charges, but Chase is still charging an overdraft fee. 
I noticed on a Chase bank complaint message board numerous similar complaints, where someone pointed out the obvious fact that a CASH deposit is a CASH deposit. It does not matter what time it is deposited. It is given an automatic available balance, so if the the money is in the bank before the charges go through and is available, it would be illegal to say that there were insufficient funds.
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 Balance : {$560.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$1900.00} XXXX XXXXXXXX Balance : {$3800.00} XXXX XXXXXXXX Balance : {$3400.00} XXXX XXXXXXXX Balance : {$5100.00} XXXX XXXXXXXX Balance : {$3800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to EQUIFAX to formally dispute the accuracy of certain information in my credit report, which I obtained. Pursuant to 15 USC 1681i ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), I demand an immediate, thorough, and good-faith investigation. I know that EQUIFAX being sued for engaging in " sham investigations '' by failing to properly verify and correct erroneous credit report entries, misleading consumers in the process. Given these serious violations, I expect my dispute to be handled in full compliance with the FCRA, including : 1.A complete and reasonable investigation within the 30-day period, as mandated by law. 2.A detailed explanation of your findings and the actions taken to correct any errors.

3.The provision of a free updated credit report reflecting the corrections made. I have enclosed supporting documentation to substantiate my claim, which should assist in your investigation. Failure to properly investigate and correct these errors will leave me no choice but to escalate my complaint to regulatory authorities, and my state attorney generals office, and to seek legal remedies for damages caused by your agencys failure to comply with the law.
Product: Credit reporting

This was a disputed civil judgement concerning some pet issues, which was paid through the court immediately. 
The vindictive plaintiff evidently in haste went ahead and filed this complaint to ruin my credit. 
Again the bill in question was paid immediately to the courts
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX place has re aged an account they are reporting on my credit... .i have tried to challenge the 100 % accurate reporting between bureaus as required by law and each time they send a letter saying its validated ... ..i have attached proof of the re aging of this account... .there is no way that the bureaus have properly investigated this matter
Product: Credit card

On XX/XX/XXXX I noticed an unauthorized charge for {$62.00} on a credit card ending in XXXX issued from Barclays. This was unsetteling for XXXX reasons - the first was I never activated the card, so no charges should have been allowed on it and the second was I didn't have a subscription to XXXX XXXX Live. I had cancelled it back in XXXX of XXXX. 

I immediately called Barclays to dispute this and gave them all the pertinent information. I received a letter from Barclays dated XX/XX/XXXX acknowleding the dispute and another letter dated XX/XX/XXXX stating they were awaiting a response from XXXX. 

In XXXX of XXXX the charge of {$62.00} was reversed and then put back on the card. I started getting charged interest, penalties and late fees for a fraudulent charge on an inactive card!! Very frustrating. 

I received a letter dated XX/XX/XXXX from Barclays stating that the credit limit on the same credit card was lowered to {$500.00} because it was delinquent. 

On XX/XX/XXXX, I called XXXX several times and finally spoke to a XXXX XXXX XXXXXXXX We spoke for XXXX XXXX  and they informed me they had no record of the credit card on file and that is was fraud. 

I reported the card as compromised to Barclays and then received a letter dated XX/XX/XXXX stating that the card ending in XXXX has been closed due to suspicious activity. 

I wrote a letter to Barclays with a copy to the CFPB on XX/XX/XXXX with a full explanation of what happened and Barclays refusal to fix the fraudulent charge on the card ending in XXXX. 

I then received another letter from Barclays dated XX/XX/XXXX stating that they would not credit my account because they were not provided with the true nature of the dispute when first notified of the claim. This is UNTRUE as I explained the nature in my calls and in my letter. 

I received a letter dated XX/XX/XXXX saying my account had been closed because it was past due. 

The Barclays case number for my complaint is XXXX XXXXXXXX.
Product: Credit reporting or other personal consumer reports

I've submitted multiple disputes regarding information on my credit report by the company that are unauthorized, inaccurate, incorrect, and false. This is my FINAL request for your company to delete the disputed information and to correct my credit profile. I've attached copies of my recent credit reports and highlighted the inaccurate information to support my claims. I've found that the company has violated MANY of my rights according to the Fair Credit Reporting Act.The company has neglected to ensure the maximum accuracy of my credit report, failed to properly investigate the disputed information, continuously reporting inaccurate information, not complying with the regulations of the FCRA by providing me all relevant documents to support the decision of the investigation, and providing me a accurate credit report. I am holding the company responsible for their negligence