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

XXXX has failed to fulfill its legal obligation under the fair credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcome. These failure align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence i provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as XXXX 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I Recently looked at my CHEXSYSTEMS report and noticed multiple fraudulent accounts and inquiries., and I have filed reports with the FTC XXXX According to the Fair Credit Reporting Act ( FCRA ), you are obligated to investigate and remove any inaccurate or fraudulent information from my credit report. Please remove these fraudulent accounts from my account immediately. I have listed them below : Account : XXXX XXXX Account number : XXXX Amount : {$1600.00} Date of Closure XXXX Inquirer : XXXX XXXX Inquiry Date XXXX, XX/XX/XXXX Inquirer : XXXXXXXX XXXX  Inquiry DatesXXXX, XX/XX/XXXX, XX/XX/XXXX, Inquiry : XXXX XXXX inquiry DateXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   N.J.  XXXX  Experian  Attn :   Complaint Department   XXXX   XXXX   XXXX   XXXX  , TX  XXXX  I am writing to dispute the following information in my file. I recently received a copy of my   XXXX   credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit.     The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance  C. Employment D. Court Order T he following credit inquiries are related to none of the aforementioned permissible   XXXX   XXXX   (  XX/XX/XXXX  )  XXXX   (   XX/XX/XXXX  ) Please remove these inquiries from my credit report immediately. I have enclosed a copy of my identification card as proof of my identity.   Sincerely,   XXXX   XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inaccurately reported item on my credit file that has not been deleted despite my previous dispute. I firmly believe that this account entry is not valid and should not be present on my credit report. I have diligently managed my financial obligations, and I have never had any dealings or accounts with the mentioned creditor, XXXX XXXX XXXX XXXX XXXX XXXX COLLECTION BUREAU OF ORIGINAL CREDITOR XXXX ACCT XXXX XXXX My previous dispute regarding this matter did not result in the removal of this inaccurate account entry, which leads me to believe that it may be a reporting error. I kindly request that both Equifax and XXXX conduct a thorough re-investigation into this matter to rectify this discrepancy on my credit report.

I would like to remind you of my rights under 15 USC 1681, which guarantees my right to privacy and stipulates that I must provide written permission for the reporting of this account. To my knowledge, I have not given any written permission for Equifax and XXXX to furnish this account information. 


I kindly request that you promptly initiate a re-investigation into this matter in accordance with your obligations under 15 USC 1681. I understand that you have 60 days from the date of this letter to complete the investigation, as mandated by the Fair Credit Reporting Act. 

I am committed to maintaining my responsible consumer status and ensuring the accuracy of my credit report. I trust that Equifax and XXXX will take this matter seriously and rectify the inaccurate reporting promptly. 

Thank you for your immediate attention to this dispute. I look forward to receiving a written response within the statutory timeframe with the results of your investigation. 

Sincerely, XXXX XXXX
Product: Credit card

My husband and I submitted applications for the Chase XXXX Visa Card on the same day ( I believe XX/XX/2017 ). We were both told approval status was pending. My husband received two letters telling him he needed to contact Chase to verify that he had, in fact, submitted the application. I never received any letters. When my husband called on XX/XX/2017, he verified his identify and was approved. I then inquired after my application and was told it had expired and could n't be reactivated as it was out of the 30 day reactivation period. I asked to be connected to a manager and, after being put on hold for 20 minutes, was hung up on. I called again and was told I would receive a call back within a hour. I told them I was willing to wait, but they said that was n't possible. I received a message 3 hours later. I called back a third time and was finally connected to a manager, who again informed me I could n't have the application reactived because I was out of the 30 day period, even though I never received the letter and had applied on the same day as my husband. I would reapply but the card is no longer open for applications.
Product: Checking or savings account

I purchased a pair of XXXX Headphone from XXXX in early XXXX, 2024. This was XXXX # XXXX. I returned the headphones because they did not function correctly. XXXX acknowledged receipt of said headphones, but failed to initiate a refund of over two weeks. I then filed a chargeback with Chase. Chase initial provided credit. However, Chase then rescinded {$55.00} in credit had provided, citing a credit XXXX had provided for an entirely separate transaction. The {$55.00} credit XXXX had provided was for XXXX # XXXX. XXXX never provided credit for the headphones I returned, despite repeatedly acknowledging receipt of such. Chase has a conflict of interest in that it that XXXX is an account holder, and Chase has many investments in XXXX. Thus, Chase has an unpublished policy and practice of denying chargebacks in XXXX 's favor, despite obvious evidence to the contrary in the cases in which is does deny meritorious chargebacks.
Product: Checking or savings account

Yesterday XX/XX/20 at around XXXX XXXX I went to the ATM at the BMO Harris Bank at XXXX XXXX XXXX XXXX, XXXX, AZ to make a deposit into my checking account of {$2000.00} cash. The ATM machine jammed as it was counting my cash and froze. I could not get my card out of the machine or my money. The screen went black and it started reloading software. It eventually got reloaded after around 15 minutes. I got my card out and put it in again to check my account balance. My deposit was not credited to my account at all. {$2000.00} cash is missing. I've spent many hours now yesterday and today trying to get my bank to return my {$2000.00} their ATM machine stole from me. I filed a complaint with them yesterday and they told me at XXXX XXXX yesterday that my funds would be deposited to my account within 2 hours. They told me this happens all the time. I'm XXXX and I've never in my life had money stolen by a bank or ATM machine. By the end of the day my funds were not returned. Finally the bank manager XXXX called me after the bank had closed and told me they were " starting an investigation that would take about a week ''. I can not wait a week to get my funds back. That money is a hard money rehab loan that I got from a hard money lender for rehabbing my house. I have contractors lined up to start work tomorrow and all of next week who require cash payment for their services on a daily basis. If I have to cancel their schedules I don't know when they will be available again and this hard money loan is short term and very high interest and must be paid in full by XXXX. I can not wait for my stolen money to be returned. I need it today. All they have to do is go get it out of their ATM machine in their drive through and give it back to me. This delay in returning my {$2000.00} deposit stuck in their ATM is unacceptable. I also called their corporate office this morning where I'm not allowed to talk to anyone but the receptionist. I called their fraud and ATM department who said it's being handled by their Regulation E Dept who they refused to let me talk to.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion for failing to correct inaccurate information regarding late payments reported on my credit report for account XXXX. 
Despite several requests for correction ( letters dated XX/XX/year>, XX/XX/year> ) and ( XX/XX/year> ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
XXXX. FCRA Violations : According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case.

2. TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness. 

XXXX. Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers. 
I am formally requesting that the inaccurate late payment notation be removed from my credit report immediately. 
If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with relevant agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel that these accounts are negatively affecting my credit report and costing me XXXXXXXX XXXX XXXX in interest every year which is outrageous. This is not a regular dispute I am filing. I have filed a complaint with the federal trade commission and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts being taken place. I need this problem fixed rapidly because I will not wait another 60 days to receive no response due to the fact that I am clearly being ignored. I demand these accounts be deleted expeditiously or I will file for litigation due to the stress you have caused me. In Section 611 ( a ), it is stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted immediately.
Product: Checking or savings account

Hello, Ive been banking with Bank Of America since early XXXX, and in XXXX of XXXX my account was closed by BOA due to a business decision. At the time i had over 1000 dollars in funds designated for rent, food, and etc., but still I contacted my bank and they let me know that i would have to wait for a cashiers check that would take 7-10 business days which i did. While i waited for the cashier check i also ordered me a free FACTA report from XXXX, the report came back clean of any fraudulent activity. So I proceeded to open an account with BOA again which was probably not smart on my behalf, they let me open the account and the branch that i went to gave me a temporary card while i wait on the actual card to come. I did not add any money into the accounts due to me being scared to touch them risking closure until XX/XX/XXXX, when i added XXXX $ into my checking account. i was able to purchase items and send money using my card, i even called BOA for help several times this week alone for help. So it was a surprise to me to find out that my account has been closed for a second time, again due to a business decision, i was speaking to a male and he also let me know that BOA notated on my account that i was not eligible for an account ( checking & savings ) after the first one initially closed. I was not notified this when i went into the branch nor was I notified this in the closure letter I received. They also let me know that it is pertaining to fraud, again i ordered a FACTA the first time this happened and it was clean of fraud so i asked if they can tell me about the fraud and was passed around in a two hour game of phone tag. I still have not received an answer to my question. I still have not received anything on my account or the whereabouts. My account was open for a month before i added any money and before they decide again to close my account due to a business decision.i have bills to pay I can not wait up-to ten days for my money.
Product: Mortgage

XXXX XXXX XXXX is my mortgage lender. I'm owed over 900 dollars in Escrow Refund and supposed a check was sent XXXX XX/XX/ 2019. ( It is now XXXX XX/XX/ 2019 ). I was instructed to wait 14 business days to receive a " Paper Check ''. Even though I electronically debit my mortgage bill every month. Even after I complained I got a message to wait 14 business days after waiting 14 business day. 

I've sent multiple follow up messages and get ignored. Also I tried to call the message said " call back later we're busy ''. 

This is very shady because they collect taxes from my county. I have a homestead exemption with the county and feel like they are committing fraud and not servicing my loan properly. I have no recourse  when they raise my escrow payments, like they did last year and now they have to refund me because I have been overpaying. 

Instead of getting some robot voice, or trained sea animal to respond to my messages I will hold them accountable and submit this complaint.
Product: Checking or savings account

On XX/XX/XXXX, I created a checking account with XXXX XXXX Banking. There was a signup bonus of {$150.00}, which was supposed to be payed out XXXX  days after opening the checking account, as long as the terms and conditions were followed ( to which they were ). 

Terms and Conditions- Download Mobile App within XXXX  days of account opening ( Receive {$75.00} ) Pay at least XXXX bills that amount to a minimum of {$75.00} each, within XXXX  days of account opening ( Receive {$75.00} ) These are the dates and transactions- XXXX Account Open + {$25.00} Minimum Deposit XXXX Downloaded the mobile app XXXX Transferred {$480.00} to Valley Checking Account XXXX Transferred {$10.00} to Valley Checking Account XXXX Used Valley Bill Pay to pay my phone bill XXXX {$110.00} ) XXXX Used Valley Bill Pay to pay XXXX of my credit card statements ( {$310.00} ) XXXX Used Valley Bill Pay to pay another XXXX of my credit card statements ( {$75.00} ) XXXX Transferred out {$16.00} from Valley Bank Checking When I called ( XX/XX/XXXX ), I was told my account was closed on XX/XX/XXXX. I was told it was due to inactivity. I did not receive any alerts by email nor phone, and I didn't receive a confirmation email that the account was closed either. 

I believe there were other transactions as well ( going up to mid XXXX ) but since I can't get back into my account, I can only go based off the emails I have saved ( which is all of them ). Any other transactions are asking for me to login to view them, but since my account was closed without warning, I'm not able to provide them. 

Attached are the emails and bonus offer *
Product: Money transfer, virtual currency, or money service

I cancelled my personal cellphone number because I need to carry my work cell XXXX and only want to carry XXXX phone. I neglected to change some phone numbers with accounts, including Venmo, and am now unable to access that account. 

I have provided Venmo with a copy of my passport, bank account information, and a screen shot of my cellphone setting showing the account is in my name. They will not work with me to update my phone number so I can access my account. They are requesting a copy of my cellphone statement, but I work for a major Corporation ( XXXX employees nationwide ) and the cellphone bills are only under the corporation name and I do not have access to that information. 

A friend sent me money through Venmo and because they will not accept the information I provided I am unable to access the money. Additionally, my friend is unable to cancel the transfer so that she can pay me in a different manner. 

I easily updated my information with PayPal, a sister company of Venmo. I am now seeking help to receive the funds owed, and close out my account with Venmo. They are the most difficult company to work with
Product: Credit card or prepaid card

XX/XX/XXXX - payment of XXXX was made XX/XX/XXXX - said payment was returned ( was NOT notified until XX/XX/XXXX that the payment was returned ) XX/XX/XXXX - Credit card by PNC bank SHOWED that I had XXXX of credit. 
proceeded to use the card during the month. 
XX/XX/XXXX - after 24 days notified that the card was over the credit limit. 
XX/XX/XXXX - credit card revoked for being over the credit limit XX/XX/XXXX - spoke to PNC credit card department - XX/XX/XXXX - payment of XXXX to settle the credit card made. 
XXXX - spoke to PNC CC department / manager to resolve the issue. PNC would not reinstate the card or give an answer why it took 25 days to notify me of the payment not going through. PNC takes NO responsibility for their actions. 
XXXX - spoke to PNC Audit department - revoked due to the payment being returned and spending habits. deemed too risky. 
XXXX - seeking to " pull back " the most recent payment of XXXX - if I can't use the card might as well put the XXXX to use elsewhere and just pay down the card gradually. 
I might pay XXXX back but certainly the XXXX can stay in limbo. 
NOTE : PNC should take responsibility for NOT notifying the consumer ( ME ) of the payment not clearing in a sufficent amount of time. They need to take responsiblity of anything over the credit limit since THEY / there systems did NOT reflect the the balance correctly.
Product: Mortgage

Id like proof of XXXX  as there is a {$71.00} XXXX  charge on my account. I further would like to know if it is lawful to still charge me interest on my loan post bankruptcy.
Product: Checking or savings account

New information- on this case was found!!!

3 Checks were deposited into a Bank of America single holder account- owner XXXX XXXX Acct XXXX bank XXXX on XX/XX/2016.

the amounts are {$45000.00}, {$11000.00}, {$40000.00}.

The chesks were made out to XXXX XXXX XXXX XXXX JT TEN Joint Tenants is what JT TEN is. Which means if the check is being deposited into an account owned by both payees and they have equal access to the account then no endorsement is require.

HOWEVER, one of the payees is trying to deposit into his/her own personal account then both signatures would be required.

Also Bank of Americas response contradicts what happened. Their policy is if a check is written out to multiple payees separated by a slash, hyphen or comma or in stacked form ( names printed as a listor on same line WITHOUT and words or punctuation ) Which the checks that have my name have words- JT TEN!

see attached
Product: Credit reporting

i requested proof because i never used XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I asked XXXX for proof and it 's been over 90 days and they never responded to me. These are not my charges and will not provide me with proof with either of these debts.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following account and inquiries from my credit report. As a victim of a data breach, these entries are fraudulent and unauthorized. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request these items be removed from my credit file promptly. 
Fraudulent Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX , XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX : {$390.00}
Product: Credit reporting or other personal consumer reports

Reported it to you guys did the investigation with Equifax and XXXX even though I sent them everything they need this is like the second time around contacting you guys the company apparently responded and said to delete the account and I called XXXX today and they gave me nothing but the runaround and told me that it's not going to be deleted and didn't give me a reason why and I called XXXX today and they told me the same thing so this account should be deleted it's still on my they're ignoring you guys can someone please contact these people thank you. Stating that these heights finance should be removed from my credit report deleted.
Product: Credit reporting or other personal consumer reports

I have been trying to remove collections that have aged out and that can not validate debt..Experian admits it is a incorrect account but refuses to remove it subsequently so does XXXX