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

I have banked with Wells Fargo for over thirty years. During this time I have had a line of credit account that was linked to my checking account for overdraft protection that did not charge a fee for transferring funds to checking. On XXXX XXXX 2016, I called the XXXX line to see if that account was still in effect. I spoke to a banker who said she could n't give me the information but could connect me with someone in credit who could give me that information. Before making that connection, she suggested that I could change my link to my savings account rather than the existing account. She did not inform me ( and may not have known ) that this would be a permanent change or that I would be giving up my grandfathered in no-fee contract. When I was passed to the person in credit she told me that my account was still a no-fee account, but that she was unable to make a connection to that account. So she reconnected me to a banker whom I asked to please reverse the change and connect to that account. The banker said that this was not possible. So I asked to speak to a superviser. The superviser also said that this was not possible and read me a contract for a different type of account saying that the contract I had had did not exist, when it had existed just a few minutes before. I said that I thought that in Minnesota I had the legal right to reverse the change and he said I should speak to my local bank. The next day, XXXX XXXX, I went to the local bank. The person looked at my account and said that my account had not been changed after all. But on Tuesday the XXXX I found that I was charged for a transfer. So I called the banker who said I needed to talk to someone in the Line of Credit department who could surely reverse the situation. After several calls ( in one of which I was told I to hold while the person found the number and then they never got back to me ) I was given the line of credit number ( XXXX ) and spoke to a credit person who said that although the account is still active, there is a rule that change to such an account can not be reversed. I can not believe that the link to an active account can not be restored, especially to a customer who has been with the bank for 30 years,. Furthermore, when the reason the change was made was due to ignorance on the part of one of their personnel and a lack of informing a client of the implications that were specifically being requested, it seems that the bank has the responsibility to reverse the change.
Product: Checking or savings account

This complaint is on behalf of XXXX XXXX against JPMorgan Chase, who has repeatedly refused to detect, prevent and recover fraud. My letter to them is below ( XXXX XXXX, XXXX is XXXX of several entities which held accounts at Chase, has filed fraud claims and Chase blatantly lies to regulatory agencies ( and to me ) about having such claims, despite the fact that CHASE ASSIGNED THE CASE NUMBERS and I have countless emails to prove this. This is XXXX of many blatantly false and deceptive actions Chase has taken to abuse its customers and should not be tolerated. Please find the letter attached ( I am also providing an additional attachment, showing the claim number in a Chase email to me, as well as a letter where they falsely ( lied ) claim to have no cases for this entity. * Please note that Chase 's letter indicates cooperation with my other banks- yet XXXX such banks have contacted Chase regarding fraudulent wires received by them ( which they harbored for months in money laundering accounts of a convicted criminal ) and yet, Chase never had the decency to even reply to these institutions. They are corrupt and must be handled as such. As you can easily see from the XXXX attachments, the basis of their latest excuse is easily proven false. Not only have I informed them of this after their first lie, they once again cc 'd CFPB by lying yet again. They have no credibility and need to be held accountable, in the same way XXXX XXXX XXXXXXXX was held accountable by the XXXX 's Cease and Desist of XX/XX/year>. These banks must not continue to abuse customers, causing tenfold damages beyond what customers lost in the first place. They are grossly negligent, abusive and wholly amoral.
Product: Credit card or prepaid card

My Chase credit card account was closed in XXXX. I have been struggling financially more than even from COVID 19. I have lost over {$30000.00} a year in income. I have been completely overwhelmed. My Chase account has now been closed. 
I called to see how we can reopen it, and get a plan going moving forward. 
Chase will do nothing to reopen my account. I need it open so I can start rebuilding my credit and paying off my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reporting on my file and were found in my reports with Equifax credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the accounts removed from my file. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX date opened are different from XXXX then experian XXXX date opened is XX/XX/XXXX Experian date opened is XX/XX/XXXX high credit amount is different from XXXX then experian XXXX high credit amount is {$2400.00} experian high credit amount is {$0.00} last reported date are different from XXXX then experian XXXX last reported date is XX/XX/XXXX experian last reported date is XX/XX/XXXX date of last active is different from XXXX  then experian XXXX date of last active is XX/XX/XXXX experian date of last active is XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I attempted to place a credit report freeze on my account, Equifax WARNED the PIN they would send MUST be used to access ( unlock ) my credit report. 
Their transmittal : Could'nt open PDF So now my account is frozen, and I NEVER received a PIN to unlock it. 

I am dissatisfied to accept Equifax 's offer of one year credit monitoring as I read it is BUNDLED ( in the fine print ) to an arbitration clause. Anyone with a brain understands arbitration is a FRAUD perpetrated against consumers. Which you seem fine with. Tells where your paychecks are REALLY coming from. 

Attempting to place a credit report freeze at XXXX  has been IMPOSSIBLE. 
Online, they as much as call me a liar and refuse to allow a freeze. They then recommend I call XXXX XXXX XXXX XXXX to speak with an agent who will pace a freeze. 
Great. Until you realize they will NEVER answer. I have made multiple attempts, given my SSN, zip code and street address number to their XXXX robot answering machine and then am dumped into a ( never answered ) cue. 

MY data was stolen. Now this breach is being compounded by the relevant credit reporting bureau 's REFUSAL to allow safeguards to be emplaced. 
Please save this communication for referral should litigation become necessary. 

XXXX, XXXX XXXX XXXXXXXXXXXX ( XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian removed a fraudulent bankruptcy XXXX XXXX ref # XXXX filed XX/XX/. Did not adjust my credit score. My credit score should have increased by XXXX points.
Product: Debt collection

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 
Please delete the following accounts. 
XXXX XXXX XXXXXXXX XXXX XXXX ACCOUNT ADJUSTMENT BUR XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Bull City Financial is continuing to report a item on my XXXX report that is fraudulent. The item is currently under investigation with the FTC, yet Bull City is still attempting to break FCRA guideline by reporting the fraudulent item on my XXXX  report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my 1st certified letter to Transunion on XXXX.I told them to " investigate every piece of information '' on the accounts I have listed below due to being innacurate reporting. I know that the FCRA has Laws that they must adhere to 15USC 1681 SECTION 602 A States I have the right of privacy.15 USC 1681 Section 604 A section 2 It also states that a consumer reporting agency can not furnish an account without my written instructions and under 15 USC 1681 ( S ) ( 2 ) its there responsibility to make sure no furnisher reports erroneous innaccurate information and then it gets reported on my report. So after a few weeks they sent letter saying that things were verified and nothing changed they didn't supply me with a updated credit report or tell me how they came up with " accuracy '' reporting. But still on my credit report there were things being reported that were innacurate. So I sent a another certified letter on XX/XX/22 requesting that under the FCRA 15 USC 1681 everything has to be % 100 accurate to be reporting on my repor and I asked 1.where is the proof of claim of verification? 2. Why they didnt do a real investigation as Law states they should? 3.Why are they not concerned there in Violation of reporting innacurate information on my report after I brought it there attention. So I wanted a reinvestigation on the accounts I listed that were still showing obviousl innaccurate and eroneous and how its damaging my chances to obtain new credit .And week and half later they sent me a letter saying it was ALL VERIFIED '' and no changes. So after 2 attempts of trying to get them to take me serious and my credit reporting information serious Im forced to come get help from the XXXX  I feel and know I have been totally violated by Transunion. These are the accounts with the obvious errors, innaccuracies. XXXX # XXXX shows closed account but has incorrect closed date, Last activity date wrong, its showing a scheduled monthly payment amount on a closed account. XXXX XXXX XXXX # XXXX pay history dates inaacurate showing XXXX late reporting XXXX XXXX XXXX consecutively in a row. XXXX  XXXX XXXX # XXXX shows closed account but showing a monthly payment amount, no closed date, no date of last activity. XXXX XXXX XXXX XXXX XXXX # XXXX showing payment history dates XXXX XXXX XXXX XXXX late consecutively reporting. XXXX XXXX XXXX # XXXX showing pay history XXXX late consecutively reporting.
Product: Credit card

I recently applied for a citi credit card.My application was denied since the bank ( citi ) stated that my address or phone number are located overseas.I am not sure where or how they got this information, I 've been residing in the US for the last 25 years and am a US citizen.The denial letter was sent to my home address I listed in the application which is obviously in the US and I am including it below as well as my phone number. 
I contacted citi to inquire how they determined that my address and/or phone number are located overseas but there were not able to provide me an answer. 
Would appreciate if you could look into this matter. 
Application ID : XXXX XXXX MD XXXX Tel : ( XXXX ) XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app due to inadequate customer service and unfair practices, which violates the customer financial protection act. Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act and regulations. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for violations.
Product: Checking or savings account

On XX/XX/2020 I received a refund of {$46.00} from XXXX. I called TD Bank to see if the refund was applied. They reviewed my claim for a credit and XX/XX/2020 they reversed the merchants decision. I called the company as late as XX/XX/2020 and they told me they refunded my money. Meanwhile I get my mini-statements from TD Bank and they show the {$46.00} on 4 statements as 2 debits and 2 credits. i keep a " log '' of all my transactions and I am still short {$180.00}. I can't walk a mile to the nearest bank so I keep calling and wait upwards of 30 minutes on the phone ; still can't get through. I told the Federal Trade Commission every month for 2 months and they gave me your number and website.
Product: Credit reporting or other personal consumer reports

I REVIEWED MY CONSUMER REPORTS AND NOTICED THAT I HAD XXXX LATE PAYMENT ON AN ACOUNT THAT I WAS NEVER LATE FOR CONSUMER REPORTING ANGENCIES HAVE ASSUMED A VITAL ROLE AND HAVE A RESPONSABILITY TO REPOT CONSUMER INFORMATION TO THE BEST OF THEIR ABILITY WITH XXXX XXXX. I HAVE NEVER BEEN LATE ON PAYMENTS FOR THE ACCOUNT NAME : XXXX XXXXXXXX ) ACCOUNT XXXX ), PLEASE INVESTIGATE AND PROVIDE PROOF WITH STATEMENTS SHOWING THAT THESE PAYMENT WERE LATE. IF PROOF CAN'T BE PROVIDED I DEMAND THESE PAYMENT BE UPDATED TO ON TIME AS THEY SHOULD BE AS I WAS NEVER LATE THANKS. 



Dear CFPB Team, I am writing to inform you about an issue I have encountered with the credit bureaus. Recently, I sent a letter requesting the removal of an incorrect late payment from my credit reports. This late payment never occurred, and I believe it is an error that is negatively affecting my credit history. 
Unfortunately, despite sending this request to the relevant credit bureaus, I have not received any response from them. It has been XXXX days since I sent the letter, and I have yet to see any resolution. 
I am seeking the assistance of the CFPB to help resolve this matter. Enclosed with this communication, you will find a copy of the letter I sent to the credit bureaus and any other documentation relevant to this issue. 
I appreciate your attention to this matter and look forward to your prompt response. 
Sincerely,
Product: Credit reporting

I properly filed a dispute of XXXX unknown medical accounts with Equifax on XXXX/XXXX/2015, they responded with a request that I contact the reporting collection agency, which I did on XXXX/XXXX/2015 ( proof of delivery attached ). The reporting collection agency did not provide me with any valid answer. I re-disputed to Equifax on XXXX/XXXX/2015 with a copy of my letter to the collection agency and proof of their receipt, Equifax again refused to properly investigate or delete these XXXX unknown medical accounts. Equifax opened the investigation XXXX XXXX, 2015 and mailed me the results of the investigation by XXXX XXXX, 2015. Equifax is the only credit reporting agency reporting these XXXX unknown medical accounts. I also contacted the reporting collection agency on XXXX/XXXX/2015 via phone ( since they were not responding to my requests ) I was told that they do not hold these XXXX unknown medical accounts.
Product: Debt collection

I was the victim and I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused as to why this one seems to ignore my requests. The bankruptcy which is being reported to my credit report is inaccurate. The case which youre reporting as valid & accurate is actually incorrect. 
I never had a case tried or seen. There was NEVER A JUDGMENT. No judgment means there was never a case. A judge never saw a case so how is one being reported. 
Please see this account is removed from my file at once. 
Bankruptcy XXXX XXXX dismissed Reference # : XXXX PLEASE DELETE!! TU have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the following inaccurate and/or unverifiable accounts on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, you are required to report only accurate and verifiable information. The following accounts violate this requirement : 1. XXXX XXXX XXXX Account # XXXX 2. XXXX XXXX Account # XXXX 3.XX/XX/XXXX - Account # XXXX Upon review of my credit report, I have determined that these accounts contain inaccurate, outdated, or unverifiable information in violation of : FCRA 15 U.S.C. 1681e ( b ) You must maintain maximum possible accuracy. If the data can not be verified, it must be removed.

FCRA 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) If an item is disputed, you must conduct a reinvestigation within 30 days.

FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) If you can not verify the information, it must be deleted immediately.

FCRA 15 U.S.C. 1681s-2 ( b ) Data furnishers must investigate disputes promptly and accurately. 

Furthermore, the recent lawsuit against Equifax and XXXX has demonstrated that these bureaus have previously failed to uphold their legal responsibilities, leading to removals of unverifiable accounts. Given this precedent, I demand immediate deletion of the disputed items. 

Failure to comply with FCRA regulations may result in legal action, including complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). I expect written confirmation of the deletion within five ( 5 ) days from the receipt of this letter, as the continued reporting of inaccurate information constitutes willful noncompliance under FCRA 15 U.S.C. 1681n, making you liable for damages.

Please respond in writing to confirm the removal of these accounts. If you fail to comply, I will escalate this matter with regulatory agencies and consider legal action. 

Sincerely, XXXX XXXX
Product: Mortgage

XXXX gave Rushmore Loan Management my loan to service. Even though they are a little bit better than XXXX, I dont care for this company. For about two years, they have been reporting a deferred interest payment as a balloon payment on my credit file. The deferred interest payment is {$6100.00}. They are a mortgage company, so they are aware that both are two different things. I do admit to falling behind due to medical illness since late 2017. But, I always bring my account up to date. My account has been up to date since late XXXX. But, on my XXXX file right now, they have my actual payment amount of {$1600.00} ; when my payment is {$760.00}. This is a false actual payment and should not be there. I requested a billing statement mailed to my home. They said that they sent it. But, I have not received one yet. I notified Rushmore that I won my property tax appeal. The escrow department said that I have to wait for a bill for them to modify my mortgage payment. 
I am so sick of them trying to make me and people like me pay more interest. I consider the fact that they are reporting false adverse information as discrimination. They want to keep me paying this ridiculous interest rate. But, I will be out of their clutches before the end of the summer!!!
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Product: Payday loan, title loan, or personal loan

Loan origination date : XX/XX/XXXX Amount : {$28000.00} Last on-time payment : XX/XX/XXXX I had a flawless record of payments with SOFI until the XXXX payment was due. I am not working because my employer has cutback drastically during the covid19 pandemic. So I am unable to make payments after XX/XX/XXXX. 

I have spoken to SOFI customer assistance, hardship department, and collection department many times since I missed the XXXX payment, but to no avail. They will not extend my forbearance or renegotiate my payment plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response I submitted a complaint on XX/XX/XXXX, through the CFPB Complaint Portal. On XX/XX/XXXX Experian denied me the ability to dispute inaccurate information on my credit report. In my complaint, I indicated that a collection item is appearing inaccurately on your credit report. I requested to have the item deleted from your report. Experian has claimed to have previously conduct a reinvestigation, and contacted the data furnisher ( s ) for the referenced item ( s ) and asked them to verify the accuracy of the information with which you disagree. Experian claims have gotten a response and verified that the disputed information was accurate as reported on XX/XX/XXXX. 

I have not been able to contact the data furnisher they have listed and neither has the CFPB. I have enclosed a copy of a complaint which says that XXXX is not listed and the collection company says they too do not have any account open in my name. 

Experian please explain how you are able to contact this data furnisher and myself and this goverment agency can not? This account is not valid and is not mine and should be removed immediately as required by the FCRA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX You are in violation of The Fair Credit Reporting Act. XXXX XXXX XXXX XXXX XXXX, XXXX NC has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

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

15 U.S.C 1666B : A creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose.

Remove these late payments update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. 

XXXX XXXX