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

XXXX U.S. CXXXX XXXX - Definitions ; rules of construction | U.S. CXXXX | US Law | XXXX XXXX XXXX XXXX XXXX ( XXXX ) According to the FCRA, XXXX U.S. CXXXX XXXX - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors XXXX USC XXXX XXXX ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section XXXX of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Therefore account : XXXX XXXX account number : XXXX has violated these rules reporting late payments. I would like these late payments reversed, showing paid as agreed, on dates, XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and i notice i have a credit card account from XXXX XXXX. I have never had nor never applied for an account with XXXX XXXX. The account is not a negative account but this is not my account. I believe there's been an error in credit reporting.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Kansas XXXX XXXX XXXX XX/XX/year> Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX TEXAS, XXXX Dear Credit Department I am writing in regard to the account with your company, which is associated with the following information : Account Number : XXXX Your Name : XXXX XXXX Please note that I am not disputing the debt in question. I am simply requesting the following details for my records : 1. Date of First Delinquency The first date that the account became delinquent.


2. Date of Last Payment The most recent payment made on the account. 3. Date of Charge-Off The date the account was charged off. I kindly ask that you provide this information as soon as possible. Please feel free to contact me at [ your phone number ] or [ your email address ] if you require any additional information to process my request. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, three fraudulent transactions were made from my Chase account. 
Two credits into my account for XXXX $ each ( Total XXXX  $ credit ), and one debit of XXXX $ via XXXX to an account name XXXX who I have never had any transactions with in the 5 years I have banked with Chase. 

I instantly contact Chase and flagged these transactions within the 10minutes of getting a message from XXXX Chase about the XXXX $ transfer to XXXX. 

Since these were fraudulent scam charges, I submitted a claim with Chase ( Claim Number # XXXX, # XXXX ) for all these three transactions : the two credits, and one XXXX payment. 

Chase force posted these three transactions to my account and stated the investigation was still ongoing. 

Few days ago, Chase took out the XXXX  $ unauthorized credit from my account and said they were still investigating the XXXX  transaction. 

On XX/XX/XXXX Chase contacted me via email and said after investigation, they dont claim this XXXX  transaction to be unauthorized since it came out of my account and will not refund me the XXXX $ that was taken out of my account and this case is hereby closed. On calling them they said a ) since XXXX is a third party vendor, Chase could not get the money back from them and therefore can not give me my XXXX $ back. b ) they also said since these transactions came from my account, they consider it authorized and will not reimburse me. c ) They will not reopen this dispute unless they get a report from authorities or proof that it was not me who did these transactions. 

To address the third point I had contacted the police and filed a report and have a case number with the XXXX XXXX police department ( XXXX ) and Chase has asked me to fax this report over to maybe look into reimbursing me. But I also want to file a complaint with the CFPB to protected under the Regulation E of the External Funds Transfer Act to have Chase Bank reimburse me my XXXX $ since I has a consumer did not authorize this fraudulent scam XXXX $ XXXX payments, neither did I receive any benefit from the transaction, so under Regulation E the bank should reimburse me.
Product: Credit reporting or other personal consumer reports

Equifax was notified that inquiries from XXXX, XXXX XXXX and XXXX XXXX XXXX were not made by me nor on my behalf. Ive filed complaints on each company. As this was a fraudulent attempt to obtain credit. 

By law the inquiries are set to be removed XX/XX/year>. Per my conversation with Equifax they cant say when the inquiries will fall off.. especially since I opened an investigation.

Basically, I am being punished because I stood up for myself and requested justice!!
Product: Credit reporting, credit repair services, or other personal consumer reports

For over fifteen years Equifax has deliberately put a lock on my ability to access my credit profile with them, rendering it virtually impossible for me to dispute either by phone or online all the errors they have on my report. Since they have impeded my ability to secure any credit from potential creditors over the years, my hopes of buying a house for me and my family has been thwarted. The struggle has been very daunting. So in XXXX, XXXX I wrote to Equifax via a Certified/Return Receipt mail, requesting that my personal data i.e. my correct name, date of birth, address, and current employer and phone number should be the only information allowed on my credit profile with them and no other irrelevant information which does not pertain to me. Until now, XXXX has woefully ignored my request and I have not received a response from them, months later. Also, I called on their attention to delete the following erroneous and unfair accounts which does not belong to me that has continued to impede on my ability to secure any measurable employment and worthy credit off my credit report. Again, they've blatantly ignored my request. 1. XXXX XXXX, Delaware XXXX XXXX XXXX XXXX, DE XXXX XXXX Acct. # XXXX for {$3900.00} since XXXX, XXXX 2.XXXX  XXXX Account # XXXX for {$1600.00} since XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX , UT XXXX XXXX 3. XXXX Acct. No. XXXX for {$40000.00} since XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX 4. XXXX XXXX Acct. No. XXXX for {$20000.00} since XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX 5. XXXXXXXX XXXX Acct. No. XXXX for {$2200.00} since XX/XX/XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX 6. XXXX Acct. No. XXXX for {$920.00} since XX/XX/XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX 7. XXXX VXXXX XXXX XXXX XXXX XXXX Acct. No. XXXX for {$2700.00} since XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX 8. XXXX XXXX XXXX XXXX Acct. No. XXXX for {$180.00} since XX/XX/XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX 9.  XXXX XXXX XXXX  XXXX Acct. No. XXXX for {$1100.00} since XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ( XXXX ) XXXX
Product: Debt collection

American Capital Ent is collecting for XXXX XXXX XXXX. I have never received any service from XXXX XXXX XXXX. I have never signed up for service that I received. American Capital Enterprises has never contacted me about this or I would have been able to tell them that I disputed the debt. They should have validated whether or not I had the debt or not before they go and just put it on my credit. I am unable to get housing because of it.
Product: Debt collection

This company XXXX XXXX  has been calling me every day XXXX or XXXX times a day. I submitted a claim before and they stop calling for about a week or so and now theyre doing it again. They are trying to collect on a debt from 2002. Way past the statue of limitations
Product: Mortgage

On XX/XX/2024, I attempted to make a payment on Freedom Mortgages website. The first appeared to not go through ; it returned me to the payment confirmation page rather than giving me confirmation of the payment. So, I authorized another payment, at which point I got two emails with two separate confirmation numbers for payments of {$2500.00}. I dont have funds enough to part with that much money this month, so I called their customer service number a few times that day to ask them to cancel one of them, and ensure that I wouldnt be making two payments on the same day. They did assure me that this wouldnt happen. Today, I discovered that on the XXXX of XX/XX/2024, XXXX separate and equal payments were processed and posted, and my checking account is at {$0.00}. Now, after confirming with Freedom Mortgage and my bank that two separate payments cleared ; theyre going to refund one of those payments, but itll be at least a week and I have {$0.00} to provide for my family.
Product: Credit card

On XX/XX/2023 at XXXX, I was contacted by Wells Fargo via telephone call and email that there was a suspicious purchase on my credit card. My card was used at a XXXX XXXX Store in XXXX XXXX, New York in the amount of {$3900.00}. I confirmed it was unauthorized and was quite upset. I told them this is not possible because I still had possession of my card. I did not understand how this could happen. Wells Fargo told me to destroy the card and I would be receiving a new one in 10 business days. I received the new card and thought everything was resolved. Then on XX/XX/2023, I received a letter stating no fraud had occurred. I immediately contacted Wells Fargo and assured them it wasn't me that made the purchase. They claimed that because I was in possession of the card I am responsible. They then stated they would conduct another investigation. Again, on XX/XX/2023, I received another letter stating that I authorized the purchase and was therefore responsible. After receiving the letter, I called Wells Fargo again and was told I used my phone to pay with my credit card for the purchase. I told him I have never used or placed any credit card on my phone and they should have a record of that. Again, they told me they would conduct another investigation. At this point, I made a police report of the theft. I was advised from the police that Wells Fargo is now indicating that my card was physically used. I contacted XXXX XXXX and Wells Fargo trying to get help and asked them to look at the camera footage. I spoke with XXXX XXXX at XXXX XXXX and see told me they would conduct an investigation and I never heard back from them. I need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX
Product: Checking or savings account

A fraudulent check for {$8700.00} was deposited against my account and paid by my bank, Truist. I opened a fraud claim with Truist but they have been totally unhelpful at local branches and I have had to wait over 3 hours on the phone to speak with a " representative ''. I am still waiting for the fraud case documents, supposedly being mailed to me. I will soon enlist the help of my attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent various letters on XX/XX/21, XX/XX/21 and XX/XX/21 to the credit bureaus regarding these collections accounts and I have yet to receive any letter regarding their investigation nor no validation, within the time allowed by federal law.
Product: Credit reporting or other personal consumer reports

The guidelines mentioned under 15 U.S. Code 1681s2 ( A ) ( 1 ) A prohibit the furnishing of any information that is known or believed to be inaccurate. Yet, contravening the law has become a frequent occurrence with these reporting agencies. 
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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX I am a living man executor beneficiary of XXXX XXXX. It has come to my attention that although I have brain several letters asking for validation of death, audit trail I am not getting any response because of the automated system you have in place with XXXX fact is a violation as well. I am demanding these accounts to be removed immediately off my credit report as it is in violation of the following federal constitutional law 15 USC 1681 ( A ) ( E ) 15 USC 16 9115 USC 16 zero 1 15 USC 1692. I am afraid of the three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and I respect for the consumers privacy. I did not give consent XXXX account. I have remain humble despite the stress, I do you, and harm three credit reporting agencies have density delete this account : US DEPT OF ED/XXXX XXXX
Product: Vehicle loan or lease

Signup is clearly broken, and there is clearly an error in my account, but they will not admit this is going on, just saying " try again later '' - customer service puts me on interminable hold over and over again, has had me try all the browsers, and clearly is just waiting for me to go away.
Product: Credit reporting or other personal consumer reports

The dat of the first delinquency you have doesn't match the date i have. Under code 15 usc1681BE you must provide maximum possible accuracy, and I'm taking into consideration that the CFPB is suing you as well. I'm also requesting full disclosure of the XXXX of my profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shopping for the best mortgage rate beginning on XXXX-through XX/XX/20. However, CREDIT PLUS, XXXX, XXXX XXXX  XXXX, and XXXX XXXX were all third parties that were used in this process. However, CREDIT PLUS is responsible for pulling my credit as a hard inquiry from XXXX XXXX  on XX/XX/20 which has a file # XXXX, but it should be listed as a soft inquiry because it was within the 45-day grace period of shopping for the best mortgage rates. 



Secondly, XXXX XXXX requested my credit to be pulled as a hard inquiry on XX/XX/20 and it is listed as file # XXXX. Needless to say, both inquiries were authorized, but it should be listed as a soft inquiry because it was within the 45-day grace period of shopping for the best mortgage rates. 



Therefore, I would like for both of the hard inquiries to be reported as soft inquiries since they were implemented during my 45 day window of shopping for the best interest rate for a mortgage.
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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 XXXXXX/XX/year>
Product: Debt collection

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnish this amount that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX validation procedure which makes this unfair practice. According to the FDCPA, l 'm entitled to XXXX dollars per violation and clearly, they violated my rights. 

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 XXXX XXXX XXXX. 
XXXX Account # : Account XXXXXXXX XXXX XXXX, has violated my rights. XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. XXXX XXXX XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. XXXX XXXX. XXXX ( A ) ( XXXX ) 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.
Product: Debt collection

I have attempted to reach out many times to ask for a payment plan they said if I could not meet a certain minimum I was not able to get help. Now they want to send me to collections after I attempted to get help to pay a smaller amount to get back on track.
Product: Checking or savings account

XX/XX/XXXX an advertisement was selling an item and requested a XXXX payment {$280.00} which I sent a XXXX transfer. Then the merchant stopped communicating with me immediately after receiving funds. We contacted the bank immediately and was told we needed to wait until the funds were Withdrawn to file a complaint. Bank Of America had us wait seven days before we can file the claim, they told us it takes three days to get an answer back. Three days later, we called the next agent told the seven days, we call back seven days later that AGENT told us it is always 10 days, call back 10 days later this final agent told us the max time they have is 45 days and it hasnt been 45 days, call back after 50 days by then we received a notice from Bank Of America that our claim was denied. We never received any documentation. Each agent told us we would receive an update on what they were doing the entire time, and we never received one document concerning any updates. I called the number on the letter like it stated to receive documentation and that agent told us that was the wrong information. We now need to call a new number she provided for us to call to receive our documents pertaining to the case and claim but the request had to be faxed to Bank Of America. I did that on XX/XX/XXXX and still today XX/XX/XXXX, no documents received from Bank Of America. Now we noticed yesterday, XX/XX/XXXX the bank now with you {$140.00} from my Account for overdraft fees in my dad account because claims he filed were pending and also denied, and he was fighting that with Bank of America, but they want their overdraft fees for my dad 's account, so theyre taking funds from my account to cover their fees.
Product: Credit card or prepaid card

I have a XXXX XXXX XXXX XXXX. I stayed at the XXXX XXXX, a XXXX property and checked out on XX/XX/XXXX. They charged my card {$310.00} which was correct. But then on XX/XX/XXXX, they hit the card for {$520.00} which is incorrect. The same thing happens on XX/XX/XXXX. I check in they hit my card for {$520.00}, I check out on XX/XX/XXXXand they hit me for the correct amount of {$410.00}. So there are two charges of {$520.00} that should not be there. I call XXXX, they advised me that they did not submit the two incorrect charges of {$520.00}. I call XXXX on XX/XX/XXXX ... after 45 minutes on the phone, they advise they will credit both charges and launch and fraud investigation. I get an email the next day ( XX/XX/XXXX ) a document that does not reference the prop XXXX from XXXX. I call XXXX again, they conference in an investigator ... they have closed my old account and sent me a new card. They said they will credit those two incorrect charges as it was not done on XX/XX/XXXX and find out what happened. I get my new card and activate it today. The two charges have not been credited and I can see no transaction history since my last statement on XX/XX/XXXX. I call again today ... they stated they do not know what has happened but will credit my account and launch an investigation. I have over two hours invested in this and they dont have a clue.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX