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

i reviewed my consumer reports and noticed that i had one late payment on a account that i was never late for the consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy i have never been late on payments for this account i have included screenshots inside this complaint in or on dates of Mo XX/XX/year> please investigate and provide proof with statements showing this payment was late if proof cant be provided i demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. thanks please see screenshot attached
Product: Checking or savings account

Valley national Bank promised {$200.00} after 1 single Direct deposit which they confirmed I had done. I actually asked an employee on the phone and although it said no where the terms was {$200.00} DD I still sent {$200.00} over. 

I now called to ask where my money is and they say it was {$1000.00}. 

In addition they refuse to close my checking account.
Product: Credit reporting or other personal consumer reports

Truist Bank has never issued the XXXX related to this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

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

This is very alarming and concerning, there are unfamiliar inquiries on my credit report. I didn't authorize or consent to these companies accessing my information, I'm trying to understand how and why this happened and it's causing me a lot of stress and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX  Account XXXX has violated my rights 15 USC 1681 Section 602 8 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 It also states a Consumer reporting agency can not furnish my account without my written instruction
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not persuaded that XXXX and XXXX Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX and XXXX Credit Bureaus are reporting inaccurate information on CBE GROUP. Please change the status to Paid or simply " Remove '' the account. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate.
Product: Mortgage

It is my understanding that Wells Fargo is involved in XXXX XXXX lawsuit for mismanagement of mortgages in which I believe I was involved in. I was not contacted nor provided any finances for the damages caused. It was explained that we should file a complaint to ensure our account is reviewed for said damages.
Product: Credit card or prepaid card

I reported fraudulent transactions on my credit card that came from XX/XX/XXXX which is a company I have authorized numerous purchases with before. The charges were not made in person, and I made the customer service representative aware that my card had not been lost nor stolen and had never been out of my possession. 

Tonight, I attempted to make a purchase with this card prior to going to the grocery store and the card was declined. Upon checking my account online, I saw that the card had been closed due to being lost or stolen, though I had never made such a report. 

I was given no noticed of the impending cancellation of this card. I did not receive a phone call, and email nor a letter and have been completely blindsided. In the midst of a pandemic wherein my hours have been cut and my income has decreased by over 60 %, I am left without a usable card with ZERO notice. 

When I called Wells Fargo, I was told that a new card was sent to me and would " probably '' arrived by Friday. So I will be without a usable card for three full days. I told the customer service rep to reopen my card as I had never reported it stolen in the first place, which she refused to do. Instead, she told me that I could go into a branch and get a cash advance, which of course carries phenomenally high fees. 

Essentially, this company has blindsided me by falsifying information and then telling me my only option is to borrow money from them at an exorbitant rate in the meantime.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 I had a account with chase credit card and they tell me I owe them money but I dont cuz I payed it off and they didnt report that in my credit report instead of it being a positive they just dinged. My credit and didnt close the case
Product: Credit reporting, credit repair services, or other personal consumer reports

My admitted inaccurate data from XXXX keeps changing due to Metro 2 data entries which removed the remark Account closed at consumers request. The attached XXXX data pulled XX/XX/2023 at XXXX states : Account Information Changed. Remark code removed from XXXX  account. Between XX/XX/2023 and XX/XX/2023, the following remark was removed from this account : Account closed at consumers request. Accounts changed from closed to open constitutes a prohibited example of lack of internal CRA and Furnisher controls to prevent Facially False Dara from being reported as clearly written recently by CFPB Director XXXX XXXX. As Senator XXXX XXXX would say : Are you kidding!!! My Account must be permanently reported as both Closed at consumers request AND Disputed. Permanently DELETE my account from every CRA as incompetence in entering Metro 2 will never be assured to be accurate and in compliance with the FCRA and Metro 2 requirement standards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without y written signature.
Product: Money transfer, virtual currency, or money service

I have had problems with cash app. They been letting scams happen I emailed them XX/XX/XXXX. I came back after my trip and they didnt send me my full amount of money back. XX/XX/XXXXXXXX XXXX XXXX they have been letting extra company tried take extra funds off my card. I also got a scammed called from them back on XX/XX/XXXX saying my account was blocked and they fail to see who it was trying to get information from me I got scammed from them I tried to do a dispute claim with them to get my funds back and they couldnt help me on it
Product: Credit reporting or other personal consumer reports

I recently fulfilled the terms of the Public Service Loan Forgiveness Program. My loans were paid in full, and my account is in Good Standing. 

TransUnion, however, incorrectly reported my student loan status as SENT TO COLLECTIONS/CHARGED OFF on my credit report. 

This was an egregious and detrimental error, and resulted in the loss of over XXXX points on my TransUnion credit score. Of course, as an adverse statement, it gets worse : it will stay on my credit record for 7 years if TransUnion does not fix it. 

Of note is the fact that both XXXX and XXXX reported the PAID IN FULL/NEVER LATE status of my loan account after I completed the PSLF program.
Product: Credit card or prepaid card

I was trying to open a dispute with Chase Freedom credit card starting XX/XX/2018, the day I faxed a request to open a purchase dispute. On XX/XX/XXXX I was informed that the Chase didnt receive the fax, even though I have a proof that the fax has being received. The same day, the XX/XX/XXXX, I emailed via secure messages a request to open a dispute. On XX/XX/XXXX I received an email from Chase : We received your dispute for a transaction on your credit card account. We're working on it now, and we'll respond to you with a phone call or a letter through standard mail. On XX/XX/XXXX I called the credit card to follow up on the dispute, and was informed that the dispute wasnt opened. On XX/XX/XXXX I called the credit card to follow up on the dispute, and was informed that no one was assigned to the dispute. It has been 25 days, and nothing has been done by the Chase credit card company. 
The item in dispute was received and signed for by the seller via XXXX XXXX on XX/XX/2018. 
I would like to resolve the dispute as soon as possible. 
Thank you, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am reaching out in regards to a situation with my mortgage company and HAF program ( also known as XXXX  ). On XX/XX/2024 I called XXXX in regards to my application and the remaining forward mortgage payment and fees accessed from mortgage company as the property went into foreclosure from XXXX not paying on time. I spoke with a representative and they informed me that a final payment of XXXX would be sent over to my mortgage company XXXX XXXX  and that there will be no more payments moving forward. On XX/XX/2024 XXXX forwarded the payment to XXXX XXXX  to fulfill the last six month forward mortgage payment and foreclosure fees. Now XXXX XXXX is claiming that the wrong account was paid. How did this happen? I have been paying my mortgage on time since XX/XX/2024 and now XXXX XXXX  has negative my account the {$1100.00} reversing the funds out of my account and have placed my account as past due even though I have made payments faithfully each month before the due date since XXXX. This has affected my credit score as it has lowered my score XXXX points. I need to understand why XXXX XXXX is claiming that the XXXX  program paid the incorrect account and have taken the funds out of my account. And if so, what happened to the funds that XXXX told me of back on XX/XX/2024 of {$1100.00}. When I call XXXX, they tell me that dont see any notes of me calling multiple times in XXXX which is hard to believe. When I talk to XXXX XXXX that are forcing me to come up with this money or my account will remain past due. How is my account credited on XX/XX/2024 {$1100.00} but then taken out and reversed out of my account six months later on XX/XX/2024 because of a Cashier error. However, my account and mortgage statements do not reflect a past due balance and actually show that I am in good standing. So is XXXX XXXX  statement trying to steal funds out of my account and place them in someone else 's loan because none of my mortgage statements reflect a past due balance.
Product: Checking or savings account

I am a XXXX XXXX  and have a business account with US Bank I have been using an advertising company on an app called XXXX and on XXXX there was a new company approached me to use their service as well. 

After quickly thought about it and I decided to move forward to add a new advertising source but turns out they are scam. 

I transferred {$350.00} to the scammer via XXXX and called US Bank to file a claim on XX/XX/ after noticing the scam but received a letter from US Bank stating they decline the claim which I think makes no sense given the fact the transaction was a scam. 

I filed a FBI report about the incident as well.
Product: Checking or savings account

I am a victim of identity theft. there were a few account opened with out my knowledge no my consent. I reached out many times and a proper investigation was not done because when I reached out to XXXX of the companies my self I was able to get certain things deleted. 

Account name - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I currently have a mortgage with M & T Bank. This mortgage is currently in a forbearance plan as a result of a COVID hardship assistance request, effective XX/XX/2020. As a result of this forbearance, my payments have been paused. Last week, I've received a letter from M & T Bank notifying me that despite my current forbearance status, my mortgage is currently " in default ''. This new information does not coincide with the current forbearance plan that I have been approved for. It is my opinion that M & T Bank has committed to harassing and bullying consumers who have opted to take advantage the protections afforded to them during this crisis. Prior to receiving this letter, I have received multiple calls from representatives of their bank, calling to remind me of what my options will be once the forbearance period is over. On the last call I received, the representative informed me that at least one option to resolve the past due payments will not be available to me if I do not have steady employment at that time. I do not believe this information to be accurate.
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 1681. 
Account name : XXXX XXXX XXXX opened XXXX XXXX, account name : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, account name : XXXX XXXX XXXX OPENED XX/XX/XXXX, account name : XXXX XXXX XXXX XXXX opened XX/XX/XXXX, account name : XXXX XXXX XXXX opened XXXX XXXX, account name : XXXX XXXX XX/XX/XXXX, account name : XXXX XXXX XXXXXXXX XXXX, account name : XXXX XXXX 15 U.S.C. 1681 section 602 A. States I have a right to privacy 15 U.S.C. 1681 section 604 A SECTION 2 states a consumer report 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 conviction and crimes which antedates the report by 7 years. 

15 U.S.C. 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe
Product: Credit reporting or other personal consumer reports

Please Remove all Fraudulent accounts as I have no knowledge of these accounts due to the XXXX data breach/ Identity theft. All is being investigated by the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I have noticed unauthorized inquiries had been made. I first contacted these furnishers of the inquiries, with a few of them giving me the runaround. I asked them to remove their credit inquiry from my credit profile and I have gotten nowhere and this is not right. By law per the FCRA you are required to verify through the physical verification of the original signed consumer document. I request that you initiate an investigation into the below inquiries on my Transunion credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiries and send me an updated copy of my credit report. The following inquiries are as follows : XXXX XXXX XXXX, XXXX F XXXX, XXXX  XXXX  XXXX XXXX, XXXX XXXX ( XXXX ) XXXX, XXXX, XXXX, XXXX/XXXX XXXX XXXX, XXXX/XXXX  XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX. If you find the inquiries referenced above to be valid thru physical verification, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter.
Product: Credit reporting or other personal consumer reports

I am asking for your support regarding this erroneous account on my credit report. This issue has damaged my reputation, and I need your assistance.
Product: Mortgage

I have a loan through Nationstar Mortgage, I have automatic payments of {$1900.00} a month that pays automatically every month. In early XXXX I received a call from Nationstar rep stating that my payment was short by {$120.00}, I asked why and they stated that escrow analysis showed that there was a shortage. I was not notified about this by either phone or email. I asked the rep why my payment has increased by that much when my insurance premiums went down and the county tax had not increased. The rep could n't tell me and told me to call the escrow department. I called escrow and asked the same question, they put me on hold for almost an hour and I finally had to hang up. I called the next day to complain and asked to talk to a supervisor, they never called me back. Now I received a letter from them stating my loan is in default. I been trying to get answers from them about my escrow for over three weeks and still have not gotten a response. Can you help?
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to dispute inaccurate and damaging information that has been reported on my credit report by XXXX XXXX XXXX According to my records, a late payment was reported for my account number XXXX in XX/XX/year>. This information is incorrect and negatively affects my XXXX XXXX. I have attempted to resolve this matter with both your department and the credit bureaus without success. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, you are required to provide accurate and verified information on my credit report. To date, I have not received an adequate response or verification of this information. Therefore, I request that you immediately remove the reference to the XX/XX/year> late payment from my credit report. I further request that you notify the credit bureaus ( Experian and XXXX ) of the removal of this incorrect information. Please confirm in writing the removal of this information from my file within 30 days of receipt of this letter, otherwise I will be forced to consider legal action to protect my rights under the FCRA. I appreciate your prompt attention to this matter. Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

My son co-signed for me for a car with Ford Motor Credit Company. I stopped paying the car and Ford took it and sold it without asking my son if he wanted to take over the payments. My son wrote many letters to Ford Motor Credit Company about this, he asked them to send him proof of the letter they " allegedly '' send him to take over the payments. They never send him a copy of the letter because they don't have it, instead they send him goodwill emails that he " allegedly '' send them apologizing, why would he apologize? he did nothing wrong, he never had the opportunity to take over the payments. The goodwill emails that he " allegedly '' send to them are false, they were not signed by my son. My son and I are very tired of this situation, I hope once and for all you guys send him a copy of the letter that you guys " allegedly '' send him to take over the payments before the car was repossessed or remove this account from his credit report. He has noting to do with this, I was the one who stopped making payments, he didn't know anything about it.
Product: Checking or savings account

In the year of 2021 my account was closed for suspicion of fraud simply because I funded a new account. I am just finding out about the CFPB and I am requesting an investigation into this matter. I want my money back.
Product: Credit reporting or other personal consumer reports

There are two innaccurate XXXX XXXX accounts on my credit reports. And I am requesting a full investigation in to the stated accounts. XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern, According to the provisions of the fair Credit Reporting Act Section 611 ( a ) [ 15 USC 1681i ( a ) ], the reporter of any questionably reported items must be reinvestigated or deleted from my credit record within 30 days. Being undoubted that the Federal Reporting law ( s ) stipulates that you must investigate within 30 days of receiving my document and respond within 5 days of completing your investigation. I have to date XXXX confidence nor evidence suggesting that you have indeed followed the stipulations of the law muchless the established reporting industrys strict outlined for principled and complaint procedures, polices, and processes for lawful reporting. Remove now these following indicated derogatory allegations versus me :
Product: Credit reporting, credit repair services, or other personal consumer reports

bureau refuses to do an investigation on my fraud claim, say my police report is not valid, When I filed a police report with my sheriff, my claim and police report is real, you can call XXXX county police department to verify.