23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Report of Fraudulent Activity on Chase Debit Card Account Dear Sir/Madam, I am writing to report fraudulent activity on my Chase debit card account and to request assistance in resolving this matter. I have been a victim of unauthorized transactions on my account, which I believe constitute fraudulent activity. 

Details of the unauthorized transactions are as follows : Date of unauthorized transaction : [ Date ( s ) ] XX/XX/XXXX Description of unauthorized transaction ( s ) : [ Description ( s ) ] deposited a bounced check into my account and withdrew it Amount ( s ) of unauthorized transaction ( s ) : [ Amount ( s ) ] {$820.00} Any other relevant details : [ Any other relevant information ] I have already contacted Chase Bank regarding this issue and have taken appropriate steps to secure my account. However, I am seeking further assistance from your office to ensure that my rights under the relevant laws are protected. 

I believe that these unauthorized transactions are in violation of the regulations outlined in Title 12 of the Code of Federal Regulations ( 12 CFR ), specifically 12 CFR 1005, which pertains to electronic fund transfers. Additionally, I believe these transactions may also be in violation of the Electronic Fund Transfer Act ( EFTA ) and other relevant consumer protection laws. 

I kindly request that you investigate this matter and take any necessary actions to rectify the situation. Your prompt attention to this matter is greatly appreciated. I also let the bank know that under 12 CFR 1005.6 ( a ) a federal law states that : If a consumer notifies the financial institution within 2 days I the consumer is only liable for {$50.00} and shall not exceed. 

Enclosed with this letter are copies of relevant documentation, including bank statements and any correspondence with Chase Bank regarding this issue. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX 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 XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX 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. 

XXXX XXXXXXXX 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: Debt collection

CAB Collections failed to investigate an alleged bill from XXXX and entered it on my credit report in XXXX as a new debt for collection. I contacted the collection agency to verify charges and the did not. Instead they sent it to the credit bureau two days after my call. I also contacted the medical center there were several charges that were entered not a part of my last visit to the doctor. There were unexplained charges with some charges that were duplicate on same day of visit. It appears I was being over charged by the medical billing dept and the collection agency never investigated my dispute. They demanded payment and listed it on the credit bureaus without due process.
Product: Credit reporting or other personal consumer reports

I submitted several disputes because of XXXX XXXX that are not mine and they haven't mailed proof of the original documents if these were in fact my debts. This makes me question all inaccuracies. The disputes that I submitted were updated in one day. They didn't DELETE ANYTHING THAT WAS INACCURATE AT ALL!! They are violating my rights as a consumer. There are not even full account numbers. ( EXPERIAN ) reads as follows ... ... ..Receivables XXXX XXXX XXXX AND XXXXXXXX XXXX XXXXXXXX . I never entered into any agreement with them ... .I demand that these Collections be removed! They don't even have full account numbers. 

( XXXX ) reads as follows ... ... account for XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX never entered into an agreement with them either and they never provided proof. These all violate my consumer rights and are reporting inaccurately I demand that they be removed. 

( XXXX ) Doesn't report accurately either for XXXXXXXX XXXX XXXXXXXX. There is no account number at all! These all violate my rights as a consumer ....
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an Experian XXXX XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
Product: Credit card

Remove me as an authorized user. Please, remove this from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts are fraudulent. Please delete from Experian XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). 

Over thirty days ago, I wrote to each credit reporting agency XXXX XXXX, Equifax, & XXXX  ) indicating my dispute off information on my credit report on XX/XX/XXXX. A copy of the original letter accompanies this correspondence. as of today XX/XX/XXXX XXXX, Equifax, & XXXX have not responded to my dispute and therefore they must remove from my credit file all information disputed in correspondence. under the FAIR CREDIT REPORTING ACT, XXXX, Equifax , & XXXX had 30 days to complete their reinvestigations of disputed information. This 30 day mark has come and gone without any response from XXXX, Equifax, & XXXX I am asking for the CFPB 'S assistance in the verification of the removal of the disputed data from my credit report. please send to my address provided at no cost to mean updated credit report at no cost to me as proof that these items have been removed completely.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, my identity was stolen and several fraudulent accounts were opened in my name. One of the fraudulent accounts was with XXXX. While I have managed to get all of the other fraudulent accounts removed from my credit report, the XXXX account remains. I have contacted them several times. Most recently I sent them a second dispute letter on XX/XX/XXXX. I have still heard nothing from them and the fraudulent account still appears on my credit report. 
The fraudulent account with XXXX was opened XX/XX/XXXX. It is now listed as " closed, '' with no outstanding balance. I wish to submit a complaint about this and still hope to get this issue resolved.
Product: Credit reporting or other personal consumer reports

I am writing to address the presence of unauthorized transactions in my consumer report, which I did not authorize or instruct. As a result, I formally request the blocking and removal of these accounts without any inaccuracies or misrepresentation of facts. Below, I have listed the specific accounts in question : It appears that your organization may be violating 15 U.S.C 1681a 2 ( A ) ( i ), which prohibits a consumer report from solely containing information about transactions or experiences between the consumer and the entity reporting the information.

This statute explicitly states that Transunion, as the reporting entity, should not include transactions or experiences associated with the line of credit extended between the consumer and the reporting entity in my consumer report. 

I urge you to promptly update my utilization to 5 % or below within 10 calendar days or remove all utilization from the mentioned accounts. 

Furthermore, I request that you provide all documents on which you rely for reporting the referenced accounts, in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). The information you are reporting is damaging to my reputation and adversely affecting my creditworthiness.

Therefore, I demand the removal of these accounts from my file within 30 days, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verification of these accounts.

Additionally, along with the removal of erroneous and unverified information, kindly eliminate all non-account holding inquiries older than 30 days.

Failure to provide a satisfactory response with the deletion of the mentioned utilization and inquiries will result in legal action against your company, for which I will seek {$1000.00} per violation : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I requested immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history.

I have not supplied proof under the doctrine of estoppel by silence, Englehardt vs. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been struggling to get this negative account off my credit report. I have report this fraud, contacted original creditor and I am still not seeing any results. The account name is XXXX XXXX XXXX XXXX XXXXXXXX. I never knew anything about this account until I found out it was reporting o my consumer report. I had found out that it was attached to an address that was my ex boyfriends. I had just got results from getting the address that was not mine off my consumer report. I am still seeing this negative account and I would truly appreciate it if you can assist me in getting this negative account removed.
Product: Debt collection

My son had health insurance under his fathers job. His father lost his job and could not pay the bill. Because I was the one who always took him to the doctor, my name and social security number was on the forms. I tried getting forms from XXXX XXXX to have my sons father sign and take responsibility for the bill but they were unable to send them to me. They sent me to collections recently and call me more than 5 times a day. I went on the website to stop the calls and they have denied my request for them to stop calling me. The company is USCB America. They leave voicemails from ai generated messages and always have a different name. They call me all day while I am at work. My son is XXXX and I was not even on the insurance policy. Also during the visits that caused these bills, they ruined his lab work and were requesting this to be redone. In the two office visits, my son received no medical assistance or answers.
Product: Debt collection

This is actually a Workmens Comp. claim because I was injured at work and it required XXXX to fix it. I have told them repeatedly that its Workmens Comp. and gave them the information to contact and they keep calling me to pay it.
Product: Credit reporting or other personal consumer reports

The following credit card accounts currently listed on my XXXX and Equifax credit report was opened by the following banks without my consent or authorization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Bureaus claim they investigated and verified said account in dispute. Congress says in order for them to have conducted an investigation they have to have Spoken to neighbors, friends or associates etc, and if they spoke with them the information Provided can not be factual. 

I have even reached out to the UNited States XXXX District of Georgia Bankruptcy court in which I will attach documentation to this complaint as well. The Courts do not provide information to the bureaus so in fact the very fact that they are hosting this information on my report without consent and proper procedure shows that the bureaus are in FACT disregarding the LAW!
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 XXXXXXXX has violated my right as stated. 

XXXX5 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.

This inaccurate information reporting on my credit reports with XXXX  and Equifax is negatively impacting my credit score and ability to obtain new credit and employment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX account 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 XXXXXXXX XXXX has violated my rights XXXX 

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
Product: Checking or savings account

Both of my checking accounts at Banner Bank located at XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX were overdrawn from having too low of funds available that was in fact due to my account information being stolen. Causing a snow ball effect. I absolutely did not authorize Banner bank to allow for any transaction going through any of my accounts to be paid with a over draft fee. I was never allowed to opt in to the over draft fee service. As a matter of fact I asked to opt out several times but was denied. Under the Obama era bank reform laws in 2010 and REG 1005.17 I am officially filing a complaint against my bank. The manager has zero clue as to the current Bank Regulations regarding this issue. She was very rude to me and refused to refund any of my money either. I went into the bank on two separate occasions this week on XX/XX/XXXX and today XX/XX/XXXX. Again I have explicitly requested for the bank to refuse all incoming charges that the funds are not available. The manager told me that even if it is presented and not paid that I was still be charged a {$30.00} transaction fee per occurrence. I do know this is illegal based on the fact that I used to be a successful person banker, mortgage loan officer and now am a Oregon XXXX XXXX XXXX XXXX Due to Covid both my small businesses have been affected negatively. Also XXXX charged me for items that were supposed to be paid for with my rewards available on my XXXX Credit Card. XXXX also charged me for items to my bank that I did not receive. XXXX then charged me, refunded me, recharged me 3 separate but concurrent times as well. I tried to resolve it online but was unable to based on I never bought those items at all and the 3 items I did receive were supposed to be paid by my available rewards on their XXXX credit card!!
Product: Debt collection

I did have a XXXX account ( XXXX? ) but when the store closed in our area XX/XX/XXXX, I paid off my account and closed it. I JUST got a letter from Midland Credit Management XXXX XXXX XXXX XXXX saying that this account was " charged off as an unpaid delinquent debt on XXXX '' but Midland wants me to pay them {$370.00}! I do not owe this money and asked the credit agencies XXXX to remove this from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spent {$360.00} sending dispute letters ( 609 fair credit reporting act, Section 609 ( a ) ( 1 ) ( A ). I am asking them to verify the collections on my account with an original signed signature from me to prove those collections are mine. They have failed to do so and i have 4 return receipts from each credit bureau with there stamp on it to prove they have received my letters in the mail. 

Dates they received my letters below : XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

1 ) First, my XXXX savings account was converted to Citizens One Deposit Saving account without my permission in XXXX. The Citizens One Deposit Savings Account has a monthly maintenance fee of {$4.00}. 
2 ) Second, Citizens makes it incredibly hard to close account. They don't allow to do it online or in writing or in-person visit to a branch nearby. Citizens bank don't even operate in Washington state where I live. The only way to do this is via a phone call and the current wait times are more than 45 minutes. I have tried staying on call multiple times and one way or other it gets up not being answered.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I was alerted by my credit card company that there was a new pull on my credit. by a Universal Credit Services. I did not authorize this pull and would like to have it removed from my credit report. I
Product: Credit reporting or other personal consumer reports

I am filling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the fair Credit Report Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax actions may also contravene The Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), As highlighted in the CFPB 's recent administrative proceeding ( File No. 2025- CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with the federal law and provides consumers with the necessary use of investigation.