23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX  Date Open XX/XX/XXXX Amount XXXX I Want This Account Removed Off All 2 Beru XXXX And XXXX I XXXX XXXX wrote this letter to you guys because this account is violating the TRUTH IN LENDING ACT they under report my my apr and also my late fees. ( FCRA ) The fair credit reporting act states that any inaccurate information credit report to be deleted this is causing me not able to move on with my life. This should be removed reported balances wrong infortmation my address in not XXXX XXXX XXXX and my name is XXXX XXXX not XXXX XXXX XXXX ll. 

XXXX XXXX XXXXXXXX violated my rights as well I would like them removed original XXXX  XXXX XXXX bank they call me harassing me at all kinds of times at night. 

MERCHANT CREDIT GUIDE XXXX $ Violates the hippa law medical debt can't be sold be to 3rd party ALSO ( FCRA ) INQURIES FROM XXXX XXXX XXXX XXXX XX/XX/XXXX WERE NOT ME FCRA STATES INFORMATION THATS NOT RIGHT TO BE REMOVED
Product: Vehicle loan or lease

Late loan payment contact efforts at harassment level. Every day, including XXXX, calls from various agents demanding payment. Up to 6 calls per day and messages left on most of those calls. i.e. XX/XX/22, 6 calls starting at XXXX until last call at XXXX. So, in 3 hours, 6 calls! In one week, 15 calls. Already previously spoken with agents requesting less calls and informing them when the payment would be sent. Absolutely unnecessary and harassing to call that many times per day and far exceeding the legally allowable number of contacts per week.
Product: Credit reporting or other personal consumer reports

When I checked my credit report, I found that some of the information was inaccurate. The XXXX bureaus are obligated to confirm these itemsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting itemsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXX XXXX  XXXX BALANCE {$8600.00}
Product: Credit card or prepaid card

I have been a Bank of America card holder since 2006. I have used them for XXXX for well over a year. Suddenly 4 months ago they began to charge {$10.00} each time XXXX was used. When I noticed the fees on my statement this month I went and checked back and noted that there was never a fee until around XXXX. I called to explain that due to covid and family matters I had just noticed the fees and asked them to be removed. They were very rude and condescending and refused to remove the fees. The first person I spoke to actually tried to blame it on XXXX! I do not recall getting any substantial or informative notice that the fee was going to be added and I doubt that any was sent to me.
Product: Credit reporting or other personal consumer reports

I trust this letter finds you in good health. I am writing to bring to your attention my dissatisfaction with the outcome of my initial attempt to address and rectify fraudulent items on my credit report. Despite my best efforts in disputing these items, I find that they persist, and I am seeking your assistance in resolving this matter promptly. 

I recently discovered fraudulent items on my credit report, which I promptly reported through the designated dispute channels. To my disappointment, my initial attempt to address these fraudulent entries has not yielded the desired resolution. The presence of inaccurate information on my credit report has raised concerns about my financial standing and has the potential to impact my ability to secure credit and other financial services. 

I am writing this complaint to request a thorough and immediate reevaluation of the fraudulent items on my credit report. I believe it is crucial to address and rectify these inaccuracies promptly to ensure the integrity of my credit history. 

Enclosed with this letter, you will find copies of my initial dispute letter, supporting documentation, and any relevant correspondence for your reference. 

I kindly request your urgent attention to this matter and a comprehensive review of the evidence provided in my initial dispute. I expect a prompt resolution, and I insist on receiving written confirmation once the fraudulent items have been removed from my credit report. I am asking for your assistance to remove the following fraud items : 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 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: Credit reporting or other personal consumer reports

My account with those creditors was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. 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 in those account to be removed.

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 this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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!

Delete the late payments from my consumer reports
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: 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 XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX. 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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report, I found that under section 605b ( a ) ( Bureau ) shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$840.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$920.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme dissatisfaction and concern regarding the unresolved status of my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/2024 and followed up on XX/XX/2024. This is my final attempt to resolve this matter amicably. I demand an immediate resolution in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 

XXXX  - XX/XX/2024 Section 611 ( 15 U.S.C. 1681i ) requires an immediate investigation of disputed information. It has been more than 30 days since my initial dispute, and I have yet to receive an adequate resolution, which is unacceptable. 
Section 609 ( 15 U.S.C. 1681g ) entitles me to access all information in my file, including the results of your investigation. To date, I have not received the required information, which constitutes a violation of my rights. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section, representing a serious infraction. 
Immediate Action Required I demand immediate action to resolve this dispute. Specifically, I request the following : 1. Thorough and Immediate Reinvestigation : Conduct a complete and urgent reinvestigation of the unauthorized inquiry. 
2. Immediate Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report without delay. 
3. Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes immediately. 
4. Detailed and Documented Notification : Inform me in detail of the steps taken and the results of your investigation within 15 days of receipt of this letter. Include documentation supporting your actions. 
Warning of Legal Action If I do not receive a satisfactory resolution within the specified timeframe, I will escalate this issue to the Consumer Financial Protection Bureau ( CFPB ) and proceed with legal action to protect my rights as a consumer. I will not hesitate to seek compensation for any damages resulting from your failure to adequately resolve this matter. 
I expect your immediate response and resolution to this issue.
Product: Checking or savings account

XXXX created an account in my name and sent me a direct deposit form. I never opened an account with them. They had my real name and email address. The last XXXX digits of the phone number that was used to open the account is not mine and the address is in the same state as me but address is not mine.
Product: Checking or savings account

Hi my name is XXXX XXXX i am filling a complaint against Bank of America for not allowing me to fully use my checking account for overdrafting i have been with bank of america for XXXX  years and majority of my time with them they allowed me to overdraft but ever since XX/XX/XXXX of 2021 they stopped allowing me to overdraft on my account i feel like they are being bias and unfair for not letting me have the freedom of my account to use at all times even if i do overdraft the money is always given back to bank of america with this situation occuring i have no money to pay for my medical prescriptions and other occuring emergencies like utilities me being XXXX  and a XXXX  bank of america has really failed me im asking for a full investigation so that this matter doesn't happened to any other customer.
Product: Bank account or service

I am not certain that you are the correct contact or if you could assist me in finding the correct department. 

I have a {$5700.00} check that I just found un cashed in a file. The check was issued by XXXX Chase Bank which is now Chase. I have sent the bank copies of the check and have spoken to several departments and they ultimately told me to check unclaimed property in Georgia and if the funds were not there they could not help me. I was told that they do not have to re issue stale checks or honor them, and also the records from 10 years ago were no longer available. 

These funds were not in unclaimed property, but as I understand it XXXX Chase or Chase would have been responsible to deliver the funds to the Georgia Treasury after three years. And their non compliance with this rule could result in fines for Chase. I simply do not know where to begin. 

The house which was re financed is in XXXX, GA, my husband and I are still married and live in this house. I even went through my bank statements to look for having possibly deposited the funds in some other manner. I actually did not have all statements, but of the ones during this time frame which I do have do not indicate that this was the case. 

Honestly, it would seem that the burden of proof is on Chase, as I clearly am in possession of an un cashed check. 

Ten years ago was the big bank merger and acquisition time, and too big to fail was on everyone 's lips, but I feel strongly that although the error was my own I would still be due the funds. They certainly have the records somewhere. 

Please let me know if you are the correct contact, or to whom I might speak about nicely getting Chase to comply. Also, thank you in advance for your assistance. 

Sincerely, XXXX XXXX XXXX XXXXXXXXXXXX
Product: Debt collection

I am receiving calls multiple times a day saying I owe a debt from years ago involving a payday loan. I have asked for written debt verification either by mail or by email. Neither which I have received. Then this fraudulent debt shows up on my credit report which made my score drop dramatically. The threatening phone calls state that I will receiving a wage garnishment and that they are just waiting on work verification. They also stated that a warrant for arrest will be sent to my home. I would like this debt to be marked for dispute and fraudulent immediately. Also I would like the collection calls to myself and former friends and family members to cease immediately
Product: Credit reporting or other personal consumer reports

To whom this may concern l XXXX XXXX have items on my report that are a result of identity theft per 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file that the customer identifies as information that resulted from the alleged identity theft, not later than 4 business days after date of receipt. It has been over 30 days these companies are in VIOLATION of this law because I am a victim of identity theft. 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 These identified accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under 15 U.S Code 1681b - Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my behalf or consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. You are required to do what I am asking of you and delete these accounts listed above. I look forward to your response. Thank you, XXXX : XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

My name is XXXX XXXX. In late XXXX of XXXX my Chase credit card was fraudulently billed 289 separate charges ( plus foreign fees ) with approx total {$4800.00} by XXXX XXXX, XXXX. I called the Chase fraud phone XX/XX/XXXX to dispute these charges. The customer service rep removed the charges and issued me a new credit card. I thought the matter was closed. 

The fraudulent charges were reapplied to my new card XXXX statement. I called Chase again to dispute the charges and they said these XXXX charges were valid because I overlooked {$9.00} in XXXX charges in XX/XX/XXXX. I did dispute the XXXX charges immediately after seeing them on my bill. Does Chase mean if a customer misses a fraudulent charge from a company they are liable for any amount billed in the future from the same company? I am also disputing {$63.00} fraudulent charges from XXXX ( XX/XX/XXXX - XX/XX/XXXX ). I dont even have a XXXX app. 

I called Chase credit fraud department many times for 2 months to resolve this matter. Each time I was passed around. I have received 2 letters dated XX/XX/XXXX and XX/XX/XXXX from Chase saying the charges are valid. The agents I spoke with would not provide an email and a direct phone line. Most would not even give me their last name. How can I follow up with them? Below is a list of only some of the calls I made and the reps I spoke with : XXXX XXXX XX/XX/XXXX said he who investigate and get back to me in 3 to 5 days. He never called back. 

XXXX said XX/XX/XXXX the charges were valid. 

Talked to XXXX XX/XX/XXXX, said he will reopen investigation. XXXX called me Monday XX/XX/XXXX and told me that the all disputed XXXX are not valid. He also assured me the charges would be removed from my account by XX/XX/XXXX or XX/XX/XXXX at the latest. Today XX/XX/XXXX XXXX charges are still on my account and have not been credited. 

I sent a certified letter XX/XX/XXXX to Chase Credit Card department disputing these charges, with statements with of all the fraudulent XXXX and XXXX charges highlighted. According to the XXXX tracking it was delivered on XX/XX/XXXX.
Product: Debt collection

Sent a letter to me for possible litigation. They did not respond to my validation letter requesting if they are legitimate company or if they are allowed to collect debt in my state. I sent the validation letter in XX/XX/2022. Still no business license sent or proof they can collect in my state
Product: Mortgage

In XX/XX/XXXX we received a letter from Wells Fargo Mortgage Company stating we could take advantage of the " disaster relief program '' because our county XXXX had many fires. We jumped on the program because they said we didn't have to pay our mortgage for 3 months and then we could resume payments. I made payments on XX/XX/XXXX and have made regular payments ever since. In the meantime, they have sent us weekly foreclosure letters stating we were behind in our payments. They also took the liberty and paid our taxes and home insurance. After six months they sent us a loan assumption with a large mortgage payment and a 40 year mortgage. This is not what they said they would do! We denied it per a telephone conversation and we were told we could just keep paying our mortgage. Today I received a bank statement with 2 options. We could pay the $ XXXX  immediately and make new mortgage payments of {$2300.00} ( our original payments were {$1700.00} ) or we would have to start paying {$3200.00} per month. We never told them to pay our taxes, we never told them to pay our home insurance. This feels like a scam. We don't know where to turn. Last month we paid back 2 out of the 3 payments we owed and paid our current mortgage payment. We have paid on this loan for 5 years and only owe $ XXXX. Our home is worth $ XXXX. I think they are trying to take our home away from us. I have a stack of letters from Wells Fargo, too many to send.