23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

XX/XX/2015 my account was upgraded from a basic account to a premium account with a $ XXXX/month fee associated with it. The account is only used to pay off my Chase credit card and Chase auto loan and basically nothing else ( please see attached documents - there are deposits, a couple of checks and automated credit card payments/auto loan payments - nothing else ). Thus the account change occurred for XXXX of XXXX reasons : ( 1 ) The bank made a mistake and changed my account to the wrong type. 
( 2 ) I was not given full information about the fee structure of the account my account was moved into or I was intentionally mislead. 
( 3 ) Chase changed my account type without my permission. 

I am attempting to recover the {$450.00} in fees that were charged to my account, but believe that Chase is likely systematically moving their clients into accounts that are not in the clients ' best financial interest.
Product: Credit reporting or other personal consumer reports

Experian is reporting errors on my credit report. I have requested multiple times for them to be removed. They have not done so. I can not purchase a home due to their negligence.
Product: Credit reporting or other personal consumer reports

please verify this is an accurate 15 USC code 1666B timing of payments a time to make payments a credit. I may not see a late payment on a credit card account under an open and consumer credit plan as late for any purpose unless the creditor has adopt, a reasonable procedure is designed to ensure that each periodic statement, including the information required by section XXXX be of this title is mailed or delivered to the consumer not later than 21 days before the payment due date I have not received a statement required with each billing cycle the outstanding balance in the account at the beginning of the statement ; The amount and date of each extension of a credit during the period and a brief identification, on or accompanying the statement of each extension of credit in a form prescribed by the bureau sufficient to enable the other girl either, its identify the transaction or to relay it to copies of cells, vouchers or similar instruments, previously furnish, except that a creditors failure to disclose such a summation in accordance with this paragraph should not be a failure to comply with this part or the subchapter is a creditor maintains procedures, reasonably to adapt to proceed and provide such information and be the creditor response to an treat any inquiry for clarification or documentations as a billing error and erroneously build amount under section XXXX of the title. Furthermore, I am requesting that you provide me with in writing the reasonable procedures according to 15 USC 1666B that you have adapted to sure that each periodic statement is melting me the consumer not later than 21 days before the payment duty 15 USC 1681e compliance procedures be accuracy whenever and Consumer put a agencies prepares a consumer report is your follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report released I need a tracking number and a copy of notice required under section XXXX, XXXX that was sent to me if you can not furnish information this late payment is inaccurate and my rights under the FCRA shall, not furnish incorrect in accurate information and unverified from the creditor. These accounts must be deleted this is defamation to my character. 15 US code 1681s2 ( A ) states 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. 15 US code 1681e states Every Consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section XXXX. Of this title and to limit the furnishing of consumer reports to the purposes listed under section XXXX of this title. you is not maintaining reasonable procedures also 12 CFR 1016.7 states that Consumer may exercise the right to opt out at any time. I am now opting out of your reporting services. Please delete all late payments or update to paid as agreed or ontime thank you
Product: Credit card

I received a letter from Synchrony Bank XXXX of this year stating that I was part of the class action lawsuit and would be receiving a check for {$270.00} within 60 days. It is now XXXX and I have not received anything. There is an XXXX number listed on the letter, however when I call, I ca n't ever get through to anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Evening,, I had XXXX XXXX first but then they raise the price for insurance, so I went with another company. and I told them I wan na cancel it and they never did, before I cancel XXXX XXXX I got a new one, After 6 month they send me a bill that I own them money for insurance and I told I will not pay because I have all ready new insurance and I send them proof that I had all ready new insurance, so they put me on collection, and then I contacted to my agent and he resolved the problem, but it was not removed from my credit history
Product: Credit reporting, credit repair services, or other personal consumer reports

Today is XX/XX/2021, and I have been disputing with XXXX, Equifax, and XXXX  about the negative accounts on my report since XX/XX/2021. Some of these accounts are not mine, some are reporting incorrect information, and some are refreshing the dates in order to stay reporting longer. I mailed my first dispute letter to all three credit bureaus on XX/XX/2021, asking them to investigate this incorrect and negative information. I have done my research and that I know my rights as a consumer. Even with Covid-19, the bureaus still have 30 days to respond to my free disputes. I know there might be a delay in the process and their responses, so I tried to give them the benefit of the doubt. It is now XX/XX/2021, and there are numerous accounts still reporting incorrectly on my credit reports. I even sent some of my letters through certified mail because I needed to make sure they were getting them. These are the tracking numbers from XX/XX/2021 ( Equifax - # XXXX XXXX XXXX XXXX XXXX / XXXX  - # XXXX XXXX XXXX XXXX XXXX / XXXX  - # XXXX XXXX XXXX XXXX XXXX ). These are the tracking numbers from XX/XX/2021 ( Equifax - # XXXX XXXX XXXX XXXX XXXX / XXXX  - # XXXX XXXX XXXX XXXX XXXX / XXXX  - # XXXX XXXX XXXX XXXX XXXX ). I have been sending in disputes month after month without receiving a response and/or validation as to why the accounts and information remain on my reports. This is unacceptable because this is very harmful to my way of life. This information is available to anyone who would need to pull my credit - housing, employment, etc.
Product: Debt collection

I just received my reinvestigation back from Experian. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ). Because the list of accounts below are not accurate. The open date, date last active, and date of last payment is NOT 100 % accurate. Account name : XXXX XXXX XXXX Account Number : XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( I ).
Product: Credit reporting or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block the listed items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. The items are listed below : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Balance Owed : {$130.00} XXXX  XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXX Date Filed/Reported XX/XX/2016
Product: Credit reporting or other personal consumer reports

XXXX, Transunion, and XXXX are not legally bound to report bankruptcy in my account, let alone an inaccurate ones. They are violating my right! Please remove the Bankruptcy record in my report as soon as possible. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This company have infringed my rights as a consumer and refuse to remove the inaccuracies on my consumer report. I have sent in multiple disputes stating violations and inaccuracies that's on my consumer report. They have refuse to give me proper validation I asked for. Took over 45 days to look into the problem and refuse to give me a clear answer and without the information i asked for, and ignored my rights as a consumer, ignored the laws of the FCRA. They have continuously ignored 15 USC 1681e ( b ), 15USC 1681a ( 2 ) ( B ), and 15USC1681b ( 2 ) ( 3 ) repeatedly. For them refusing to remove these inaccuracies on my consumer report makes them civilly liable, which is {$1000.00} for each violation they commit under 15 USC 1681n. I have been keeping a paper trail of everything I sent them and they received concerning the inaccuracies on my consumer report, so I have proof of their negligence, by them refusing the laws has hindered me from lots of things, and has cost me stress. I want those items removed immediately. This is unfair and unjust for me as a consumer, and they are not doing their job as a reporting and ensuring maximum accuracy. These items are not suppose to be on my report, and i want them removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is closing out CFPB complaints citing " prior investigations, '' when new information is provided to them. That is, Equifax is now prioritizing ticket closure metrics such as " number oftickets open, '' and " time to closure, '' over review of documentation and reinvestigation. For example, CFPB complaint XXXX was filed on XXXX XX/XX/2021 and involved invalid/unverifiable information supplied to Equifax by XXXX XXXX XXXX The complaint dealt with a billing error. Equifax failed to review the relevant documentation, including a statement on XXXX XXXX letterhead acknowledging the billing error. Equifax further failed to review the disclosure page I provided from my XXXX XXXX bill that specifically states XXXX XXXX can not report accounts a deliquent during a billing error investigation pursuant to 12 CFR 1026.13 Billing error resolution. I provided a statement that XXXX XXXX continued to report deliquency status during the billing error investigation period, acknowledged by XXXX XXXX in their own statement to the CFPB dated XXXX XX/XX/2021 -- this is prohibited. 

Equifax discarded this information claiming that the matter had been investigated previously and results were sent to me. Yet, XXXX XXXX still has the issue open in the correlating CFPB complaint. 

This implies Equifax has taken zero ( 0 ) steps to satisfy their responsibilities as a CRA. If the direct dispute through XXXX XXXX is still under investigation, then the CRA dispute, as filed under CFPB complaint XXXX, should still be pending. In fact the other CRAs still show the same issue open, while Equifax claims an investigation was " previously conducted. '' Therefore, all indictators point to a prioritization of ticket closure over responsibilities of CRAs under the FCRA and automatic updates using eOSCAR for expediency over conducting investigations.
Product: Credit reporting or other personal consumer reports

This is regarding account name XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX. 

I mailed Transunion, XXXX, and XXXX on XXXX XXXX about not accurately reporting my information and asked if they can correct all the misrepresentation of dates and information that is currently hurting my ability to put my family in a better position to buying a house and investing for future endeavors for my wife and kids. In the dispute letters I requested them to look into last verified, date of last activity, date reported, date open, balance owed, account status, payment status, last payments, and past due for Transunion dates XX/XX/year>, XX/XX/year>, and XX/XX/year> Experian dates XX/XX/year>, XX/XX/year>, and XX/XX/year> XXXX dates XX/XX/year> and XX/XX/year>. I also requested to change to On Time Paid as agreed. XXXX is the only credit bureau that responded with a correction of pay as agreed on XX/XX/year> conformation # XXXX. After waiting XXXX months I still found improper inaccuracies after a thorough research. Even after they stated my reports to be On Time Paid as Agreed. My credit history has always been in good standings and my credit report scores are as followed Transunion XXXX, XXXX XXXX, and XXXX XXXX. But due to these inaccuracies it is affecting my credit scores negatively. Please help me correct In accordance with the Fair Credit Reporting act XXXX  account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

* On XX/XX/2022, a fraudulent purchase totalling {$16000.00} was made using my JP Morgan Chase Amazon XXXX XXXX XXXX at XXXX in XXXX XXXX, XXXX Massachusetts. 
* I was immediately notified by the credit card company via email asking if this charge was legitimate to which I responded NO. This in turn closed the account, at which point the JP Morgan Chase issued a new card and sent it to me. 
* I received instructions from the company explaining that they were conducting an investigation into the charge and that I would receive further instructions and possibly a call from a Case Manager. 
* A case manager contacted me on XX/XX/XXXX, left me a voice mail to which I responded with a call back roughly 1 hour later. I was put on hold while the operator attempted to reach the case manager and after a long period of time, I was told that the case manager couldn't speak with me at that moment and that they would contact me later that day. 

I never received another call back from the case manager that or any other day. 
* I was notified via email that my case had been reviewed and that the purchased was deemed legitimate with no supporting evidence and I was now liable for this {$16000.00} purchase. 

*I 've since filed a Police Report with the " XXXX Police XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My supporting documentation includes the following : XXXX ) Snapshot of my XXXX Timeline from the date in question showing I never left home XXXX ) a copy of my XXXX XXXX  invoice from XXXX to XXXX - again showing that there was no travel on XX/XX/XXXX into XXXX XXXX ) a copy of the initial letter stating an investigation was pending We were in the city of XXXX on XX/XX/2022 for a show at the XXXXXXXX XXXX but we ate at a restaurant called the XXXXXXXX XXXX XXXX ( my transaction log shows that date ). We believe it was at that point I lost possession of my credit card.
Product: Credit reporting or other personal consumer reports

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Product: Mortgage

On   XXXX   2016 loancare raised my mortgage to {$2100.00} and I thought we fixed the mortgage amount to {$1700.00}. Loancare said that will be your payment for the next two years until the escrow balance has been resolved. My taxes are {$6900.00} I received a tax  XXXX  credit for {$250.00}, now my taxes are approximately {$6700.00} a year. Loancare has raised my payment every six months. I am also eligible for the tax freeze and a credit will be put in my account. My loancare account  XXXX . Loancare has threatened me with foreclosure and has ruined my credit. They are very nasty and hard to deal with. I want my mortgage payment to remain as {$1700.00}.
Product: Checking or savings account

Opened a business checking account and made a large deposit on XX/XX/23. Funds were due to be held until XX/XX/23 which was fine. Deposited check cleared other financial institution same day as deposited. Wells Fargo fraud department made a call to XXXX XXXX  to verify funds on XX/XX/23 and by voice were told it would not clear at that time. 

Wells Fargo informed me that due to the issue they would be closing my account XX/XX/23. Had multiple calls to fraud department and received the run around and they would not change the status. 

Funds came off hold and I started making payment to other billing accounts. One was an XXXX  to XXXX for {$15000.00}. Made payment on XX/XX/23 and was to be delivered by XX/XX/23 ( prior to account closing ). As of XX/XX/23 the XXXX  had not cleared so I called to stop payment. Bill Pay department said they would initiate a cashiers check to refund me the money as the account was closed. 

As of XX/XX/23 had not received funds. Called into Wells Fargo on XX/XX/23 to find out status. Ended up being transfed multiple times, spoke with 7 different bank reps and spent XXXX XXXX XXXX XXXX on the phone. No check had been cut or even requested and as of the call they do not know where my money is. 

Demanded my money and they created a case to escalate to the highest department manager. Told me they would contact me within XXXX XXXX. As of XX/XX/23 there has been no contact. 

Wells Fargo has made numerous errors in relation to my account, has cost me additional finance charges on billing accounts due to their delayed return of my money. 

And they still don't know where the funds are!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/1996 Last 4 of SSN : XXXX Re : Letter to Remove Inaccurate Credit Information. 

To whom it may concern : This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following account is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation date and balance reported or not. 

XXXX Account # XXXX I also respectfully request to be provided proof of this alleged item, specifically proof that these payments were in fact late. By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAANL status ( Paid as agreed, never late ) and supply a corrected credit profile to any creditors who have requested a copy of my report in the last six months. 

I am also requesting the description of the procedure used to determine the accuracy and completeness of the information. I have read that this must be provided within 15 days of the completion of your investigation. I also read that under federal law, you have 30 days to complete your investigation. 

It is my understanding that you must validate these items with the reporting creditor for accuracy. Please remove any information that the creditor can not verify. I know this must be complete within 30 days of receipt of this letter, or you must remove the incorrect information. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency Please send an updated copy of my credit report to the above address. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

A man named XXXX from a company called National Credit Adjusters has called me to report a delinquent account on behalf of XXXX XXXX XXXX as an attempt to collect an alleged debt. I 've never applied for a payday loan, so I called XXXX and they have no record of me or an account in my name. I attempted to call XXXX back and continued to get voicemail. He later called me back from a different number in a different city than the previous call. I 'm sending a DN to the company. I highly suspect this is a fraudulent company. The original number he called from was XXXX and then XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute unauthorized inquiries and accounts on my credit report, as reported by XXXX, XXXX, AND XXXX. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, my consumer report may only be furnished for permissible purposes, such as those outlined under this section, and only when I have provided written authorization. 

Upon review of my credit report, I found that companies are listed as hard inquiries on my credit report unverified. I have also noticed unauthorized accounts being reported, and I have provided those for reference below as well. I did not provide written consent for these inquiries or accounts, nor was there any permissible purpose for accessing my credit information. As this violates the FCRA, I request that the unauthorized inquiries be removed from my credit report immediately as well as any other misleading unverifiable information. Ive never signed any contract with FH CANN & ASSOCIATES and I am unaware of any self account with. This is unfair and needs to be fixed immediately! 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX & XXXX & & XX/XX/XXXX, my identity was stolen. Someone tried to get a car in my name, resulting in multiple inquiries being made and affecting my credit score. I contacted the credit bureaus and they put a security hold on my credit report. I also tried to contact the companies that made the hard inquiries on my credit report, but they acted like they couldn't help a victim. My last resort is filing a complaint with every company that pulled my credit information. Please delete the inquiry. I did not AUTHORIZE it/them, and would like them removed.
Product: Credit reporting or other personal consumer reports

Someone has access to my information and put it all over the dark web according to Experian notifications. I have notifications from Experian telling me court records have been updatwd, personal information, addresses I haven't lived at for over 30 years, as well as inquiries I didn't do and now somehow they turned into duplicates. There is an ally loan on my XXXX I know nothing of now!!! I don't know what to do!! please help me out. I'm working hard on re-establishing my credit and this is set me back thank you for your help! This was brought upon after the XXXX of this month where I started getting endless notifications about dark web traffic my information was found on every search website ever as well as alternative lending and lending companies and all sorts of crazy stuff I'm not sure what to do I feel violated scared and don't know what I don't know where to go. This is exactly why I've been disputing things to begin with because I don't recognize anything or those charges