23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

In XXXX of XXXX I received a call from AMEX on evening and they questioned me if an attempted charge was valid ... ..company called XXXX XXXX. 
I said absolutely not valid. Amex said ok we will stop the charge and freeze that card and send you a new one. I said ok. 
A month later they put the charges for {$500.00} and {$1000.00} back on my account. That is {$1500.00}. 
I asked them why this happened and they never have an answer. 
I told them if you call the number on the charges it is disconnected. So stop putting these charges on my card!
Product: Credit reporting or other personal consumer reports

I am seeking an investigation into specific accounts on my credit report due to potential inaccuracies. These accounts, which had been deleted earlier, have resurfaced without my awareness. I was neither informed of their return nor received any mail concerning this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refused to give me my free annual credit report on XX/XX/2021.
Product: Vehicle loan or lease

The aforementioned company Regions Bank violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to the debt. This account is unverified and immediately needs to be deleted from all my credit files :  XXXX ,   XXXX   and  XXXX . The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this debt.
Product: Credit reporting

On XXXX XXXX, 2015 I paid off the XXXX XXXX XXXX, account. I received a letter on XXXX XXXX, 2015 that the account had been resolved. However Trans Union is still reporting it on my credit report.
Product: Credit reporting or other personal consumer reports

I have filed complaints with yall on experian since XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX and now XX/XX/XXXX for them to remove the following inquiries which I just ran my report and they are still on my credit report - per consumer law they have 30 days to correct this or they have broken the law here are the inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX sent them a letter to remove and they havent XXXX XX/XX/XXXX was sent a letter to remove they havent XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX i told the XXXX XXXX not to run credit i had a preapproval from XXXX XXXXXXXX that is who i was using for fianicning Collections XXXX i have been waiting for 4 months it isnt accruate XXXX XXXX this isnt mine still waiting XXXX XXXX still on report been XXXX with this for several years they still havent provided me any documents
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my Experian and XXXX XXXX accounts and realized I had inquiries that occurred without my permission. Also Experian says that I lived at an address that I've never heard of nor stayed at. Is that a sign of identity theft? 
The inquiries are that occured w/o my permission are : XXXX/XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry Date:XX/XX/XXXX XXXX XXXX/XXXX XXXX   Inquiry Date XX/XX/XXXX
Product: Debt collection

I do not have any signed leases with this company. I do not owe them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Looking into my credit report, I see that I have a new unfamiliar account with a negative pay status. The company is JPMCB, opened XXXX XXXX, XXXX closed XXXX. XXXX, XXXX last reported payment XXXX XXXX, XXXX. The credit report states that the limit was {$1700.00} and the last balance was {$2100.00}. Account status, Collection/Charge off. 
I personally did not open a credit card until XXXX and have never had a Chase Bank credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax or the creditor XXXX are reporting two late payments on an account that closed 2 years prior. This is causing my loan lender to potentially deny my home purchase that was to be completed in 45 days. 

XXXX advised they havent reported since the closed date XX/XX/2022 and Equifax is advising they dont know how it happened or that it isnt on them and they wont fix the issue before my lender needs it fixed by.
Product: Mortgage

We had a closing date coming up in 2 days when the lender told us she needed to get an IRS document that usually takes 40 days. She also however said we could waiver the document if we sent certain documents and so we sent them all and asked if we would still close in 2days and she said yes. The next day she turns around and says she still wants the IRS document. We asked her to let the realtor know that closing would not happen. We also told our realtor the same. 

She did not tell the realtor on time and the seller now wanted the earnest money. We told her we would sue her company for the Ernest money and she called the seller and said that they had agreed to a new closing date XX/XX/2022. We asked her again we could close by that date and she said yes. COme XX/XX/XXXX, she sent an email asking for 5 more documents that any lending company asks for in the beginning. 

She has asked for a ton of documents and we think she was trying to just not give us the loan and not be sued by us and was trying to overwhelm us with document requests so she would say we failed to supply the document. As such, when she said she would be able to close on XX/XX/XXXX, we told her that if she failed to close, we would sue for the escrow money. We are now pursuing legal action against her and the realtor. 

XXXX XXXX has been generally unresponsive to emails or texts. Many times we had to reach out more than 3 times before getting a response. Never once did she tell us in advance that closing was not possible before the closing date. We always had to draw it out of her and her team. Also, we got the appraisal report back from them on the day of closing and she said it was because there was an error. However, we had been pushing for appraisal to be done early and she ignored all the messages until I said I would order the appraisal myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not my account : XXXX/XXXX # XXXX Please provide method of verification.
Product: Debt collection

XXXX XXXX from XXXX XXXX XXXX has been harassing me, my family and friends /acquaintances. I originally spoke with him and told him I paid the debt XX/XX/2018. He continued to call multiple times a day and then began calling my family and friends. I asked him not to call them 3 times and he continued to do so. My family requested he stop calling them and would repeatedly call them anyway. He left a detailed voicemail on my brothers phone about how I am refusing to pay the debt and he will Be reporting me to the credit bureau as refusal to pay. I spoke with him again and told him to stop calling anyone other than me and he has repeatedly been calling. He is very aggressive and wont stop. I have the receipt of the paid account so I know its paid in full. Hes been calling XXXX XXXX, XXXX XXXX, XXXX, and before and after XXXX.
Product: Bank account or service

I recently had a very troubling experience with Mand T Bank. There 's a long history with XXXX accounts in my children 's name that was started about XXXX to XXXX years ago when they were in XXXX school. They 're young adults now. I had XXXX accounts with M and T, but the trouble is only with my XXXX minor children 's acounts. 

These accounts were originally XXXX seperate CD 's, started with XXXX XXXX. The starting principle was {$1000.00} in each account. These were idle accounts where money was simply " parked ''. About seven or eight years later, XXXX XXXX was taken over by M and T Bank. The XXXX accounts had grown to about {$1200.00} because of the accrued interest. At some point, M and T Bank started charging and auto-debiting {$10.00} per month from my XXXX children 's accounts, that were now M and T " savings accounts ''. I was never made aware of the charges, had no idea this was going on. No one from M and T called to alert me to the monthly drain on these XXXX idle accounts. Just a yearly " sign to keep active '' notice. 

My wife and I have or are responsible for roughly XXXX-XXXX small accounts in savings/checking/education/401k 's, and IRA 's with various banks. They include my wife 's ageing and ailing parents accounts, who are/were at poverty level income ( XXXX now deceased ) and maitaining their meager property, and caregiving as well. We have much to deal with on a daily basis. Although we received sporadic account statements from M and T Bank, the charges and declining balances on these XXXX accounts were not noticed. 

I only became aware when I saw my XXXX year old son 's name listed in the local news paper that had a listing of unclaimed property held by the State just last week, XXXX 2015. M and T Bank closed that account which I believe is now about {$820.00}. 

I was stunned that this could happen to anyone, let alone a minor. I am still waiting to here from M and T Bank on this matter. 
I appreciate any help or guidance you can give Thank You,
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report, in violation of federal law. These items must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these items, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
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  XX/XX/XXXX
Product: Credit reporting

XXXX XXXX XXXX - Arizona Routing XXXX Acct last XXXX : XXXX Never owned personal bank account in XXXX or XXXX. 
never had XXXX Account with bank
Product: Debt collection

I called XXXX XXXX XXXX several times XXXX left XXXX  messages and no respones received.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX City, State Zip Dob : XX/XX/XXXX SS # XX/XX/XXXX XXXX XXXX Acct # XXXX To Whom It May Concern : I recently received a copy of my credit report, and I noticed some Transactions posted on my credit report that is excluded my federal laws to my consumer reports! : XXXX XXXX Account Number : XXXX Your company is in violation of the FCRA and Metro2 Compliance and reporting violation.

15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) 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 ; On XX/XX/XXXX you reported transactions from account # to my consumer report. The above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/ Corporation making the report is not included on the consumer reports yet you are reporting this information to my consumer reports!

The reporting of excluded information pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is Clear violation of Metro2 compliance!

Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. 
I need the transactions reported on XX/XX/XXXX Deleted from my consumer reports effective immediately. 
Now before you think to reply with validated, lets be clear I am not asking you to validate or verify anything so dont respond telling me that to waste my time. 
Further more 15 USC 1666b ( a ) ( 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, TX XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, SC XXXX 3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
4. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, SC XXXX
Product: Credit reporting or other personal consumer reports

Negative items dates was re-set resulting in longer stay on my credit reports. Online disputes outcome did not produce a positive outcome.
Product: Debt collection

didn't receive notification for the below account. Send me the certified mail showing receipt of any notification. RESURGENT/LVNV FUNDING Account number XXXX. 



I don't stay or live at the addresses you allegedly sent notification to
Product: Credit reporting, credit repair services, or other personal consumer reports

Had a checking with US Bank and they were charging excessive fees. This account was closed in XXXX but they started reporting to XXXX XXXX in XXXX. I paid them in full and closed account. I was told nothing would be reported anywhere since I settled and paid. This is being reported to XXXX XXXX  for no reason since the amounts owed have been paid.
Product: Credit reporting or other personal consumer reports

I have recently review my credit report and I found a fraudulent activity on my account please help me to remove this fraudulent activity to obtain credit it's really harming me and my family
Product: Money transfer, virtual currency, or money service

Im filling complaint against cash app ( block inc ) due to inadequate customer service and unfair practices which violates customer financial protection act ( cfpa ) specially cash app fail to take timely and effective measures to prevent address fraud on their platform leaving my account vulnerable and in protected. Furthermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund transfer act ( efta ) and regulation XXXX these actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : The payment in question was made before the due date. I have attached the relevant bank statements and payment confirmation as evidence that the payment was processed on time. 
Account Refinanced : The account had already been refinanced, and the late payment should not have been reported. I request that the refinance status be reflected properly in the records. This was an oversight, and I ask for this error to be corrected. 
Clerical Error : It appears that there may have been a clerical error in reporting the payment. This is evidenced by the discrepancy in the payment records, and I request a thorough review to correct this inaccuracy.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

FCRA 605B mandates the removal of any incorrect accounts from my credit report. Would you mind examining the documents? Some of the listed accounts contain inaccuracies in their reporting. I should be compensated {$1000.00} for each incorrect entry on my credit file.
Product: Prepaid card

Someone used my XXXX account debit card and took over {$22000.00} and Bank of America denied my claim. 

Someone made over 30 transactions using my debit card between XX/XX/23 to XX/XX/23, and BOA refused to investigate. I couldnt take out any money at the beginning of XX/XX/2023, so I called BOA to find out why my card was not working, and they said Because you used all your money your balance is {$1.00}. I was shocked, I told them I had not even used my card since XX/XX/2023 and I filed a claim with Bank of America. But the bank said, Since we found several transactions where your card was present and the chip on the card was read and since your card was in your possession your claim has been denied. And they refuse to investigate and give me my money back. When I asked them again they just sent me a copy of several pages of transaction activity that I never made. Then I asked help from XXXX XXXX XXXX XXXX  ( XXXX XXXX ) and they contacted BOA and BOA refunded {$5000.00} to me, but BOA dined the rest of my money which is XXXX. So please help me get back my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company continues to violate the XXXX Finance Code by not  providing a surety bond for XXXX or themselves. As such, I am seeking legal advise from XXXX XXXX XXXX XXXX to legally pursue this matter further. The finance code is very specific and both companies continue to violate it. 

This company has repeatedly failed to provided their right to lawfully collect in the state of XXXX. They are required to get a surety bond. No one had provided this which is required under the XXXX Finance code. I will continue to file a complaint until this is removed from my credit or this company proves they are legally authorized to collect in this state. XXXX Finance Code 392.202 and 392.101 This company is headquartered in the state of XXXX. I am a XXXX resident. This company is fraudulent and illegally collecting in the state of XXXX. I also do not show this credit bureau has a valid surety bond to collect in the state of XXXX. XXXX hasn't produced info. 

I want this removed from my report immediately. I want the {$10000.00} fee paid for each day this continues to remain on my report per the code. 

I have failed a complaint with the XXXX Attorney General 's office. Attached is the complaint for both companies.
Product: Credit card

Commenity Bank Zales Credit card .I had an 18 month promotional interest set to expire on XX/XX/XXXX. I started making payments to satisfy that promotion which I was told I had to call each month to allocate payments. since XX/XX/XXXX I began to make weekly payments and calling end of month to allocate them end of the month each time I called I was given a difference amount to pay. When I paid my final payment on XX/XX/XXXX I was there told the balance was different because they decided to allocate the payment to a 6 month promotion plan. I advised them I did not ask or authorize to allocate the payment to the 6 month promotion they have calls monthly where I am allocating the payments and I want it applied to the 18 months. They said to resolve this you owe an additional {$410.00} I asked it set to expire today and was told they give a 3 day grace period I had til XX/XX/XXXX to avoid the interest. On XX/XX/XXXX I make my payment and again allocate it to now be told the same there was payment for {$310.00} that was applied to another promotion for 6 months, I escalated to a supervisor XXXX ext XXXX who finally told me they were able to get everything straightened out and allocate all accordingly to my 18 months promotion. Today XX/XX/XXXX I look at my account balance to satisfy the balance within this month I come to see from {$570.00} went up to {$1900.00} I again called this bank to advise of again the error spoke with Supervisor XXXX who stated will pull call to get this resolved gave number XXXX ext XXXX to wait until Wednesday XX/XX/XXXX to get a follow up and resolve. Since this bank has had several discrepancies from amounts given differently to representatives not allocating properly to supervisor promising to resolve I am forced XXXX submit this formal complaint to have weight in them doing what is correct finally on my account
Product: Debt collection

Even though Trident Asset Management has admitted that the debt they are trying to collect never was mine, they continue to call.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/year>2024 JEFFERSON CAPITAL SYSTEMS LLC XXXX XXXX XXXX XXXX XXXX, MN XXXX Dear JEFFERSON CAPITAL, Subject : Settlement Demand Pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ] I am writing to address the willful violation of the Fair Credit Reporting Act ( FCRA ) by [ Company Name ] which has resulted in significant damages to me.

Pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ], I am entitled to statutory damages for your violation. I am willing to settle my claim for the damages I have suffered in the amount of {$1000.00}. 

Please send payment in the form of certified funds to the address listed above no later than XX/XX/scrub> 2024. That is 15 days from today. 

Should you fail or refuse to settle this demand, I will have no choice but to seek actual damages, which I believe will exceed {$1000.00}, as permitted by law. 

I look forward to your prompt response to this matter. 

Best Regards, XXXX XXXX XXXX