23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX  I mailed a certified letter to Experian disputing several inaccuracies on my credit report and requested an investigation. I requested that they provide proof of verification documents retained in their files up to and including contracts or agreements with my wet signature as granted to me by 15 USC 1681g. I further requested that if they were unable to verify the information that it be promptly deleted as per FCRA 15 USC 1681i and attached a copy of my drivers license and social security card. 

By XX/XX/XXXX, I still had not received an update and submitted a XXXX dispute letter of my personal information and public record as I had learned Experian had lawsuit for incorrectly reporting residential information. Their report had XXXX addresses, XXXX social security numbers and XXXX name variations which I requested to be deleted. I also requested proof of verification of the public record/bankruptcy they were reporting for me. 
On XXXX XXXX XXXX  I received an email that my dispute was complete. They failed to provide any proof or documentation of the disputed items and simply attached " verified '' to the disputed items. 
On XXXX XXXX XXXX  I called and started a new dispute into the personal information including the XXXX addresses, name variations, phone numbers and social security numbers. I was advised the addresses with no credit account associated would be deleted in 24-72 hours and I asked to dispute the public record again with proof they verified with the Indiana XXXX XXXX 
Several hours later I received an email that the dispute was completed and they did not verify anything! In fact, they changed all of the disputed addresses to my current address but they remained attached to the address ID from the disputed addresses and never contacted the Indiana court to verify anything! 
I advised that I was affected by the XXXX data breach and it did not matter at all. After XXXX disputes, they continue to report unverified inaccurate information.
Product: Credit reporting

I have never lived at XXXX XXXX XXXX, XXXX, XXXX XXXX. I have never worked at XXXX XXXX.
Product: Credit reporting, credit repair services, 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.

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 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 inaccura
te.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX reported XXXX on XXXX XXXX that I have no knowledge of and reporting company would not send me original debt verification letter. According to section 15 u.s.c 1681 [ a ] states that no consumer reporting agency can report false or incorrect information on my credit report.
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 XX/XX/2021. And now we are in the month of XX/XX/2021 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. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Bought house in XXXX XXXX, ( shore mortgage ) who sold mortgage to country wide then ultimately into bank of America 's hands. In XXXX, we were late 1 month, but in a position to make up past due plus current payment. Was sent a letter of intent of aforeclosure. We went through a negotiating meeting with banks attorney and was given revised payment. We subsequently paid on time 11straight months. We sent all documents per their request to stay in good standing.they could not account for 11 months of payments. Documents were resent after bank lost them again. They refused to approve XXXX short sale contracts.sold house in sheriff sale in XXXX, then resold in XXXX. Ca n't buy a house now because my credit shows an active mortgage. Never recieved an official letter of foreclosure, or a letter of deficiency. No foreclosure shown on credit score. we even recieved a small and insulting settlement check of {$300.00}. How do we eliminate this from my credit report? /thanks for your attention in this matter.
Product: Checking or savings account

FDIC Referral - XXXX I have numerous examples over the last year where I was charged an Overdraft Fee on a Transaction, that, when the transaction was processed I still had a positive balance on my account according to my bank statements. I have highlighted statements from the bank that shows there was a positive balance but the fee was charged and when that fee was charged, there was, in some cases, a ripple effect that added additional fees. 

For example, on XX/XX/XXXX I paid a bill in the amount of {$280.00} which left me with {$14.00} dollars in my account. There were two other charges that occurred that day resulting in my account to be over drawn. Instead of only charging me the {$37.00} overdraft fee for the two transactions that were over ( which would have been a fee of {$74.00} ) I was charged a fee for all three transactions which ended up being a fee of {$110.00}. 

This scenario occurred in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and is about to happen again this month ( XX/XX/XXXX ). Cumulatively the fees in questions equate to over {$500.00} XXXX dollars that should not have been charged according to the bank statements that were sent which show the positive balances at the time of the transaction. 

I have provide all the statements from the bank that show the positive balances and the associated notices showing that they charged an overdraft fee for the same transaction. 

I have have this Account for well over 15 years and it has changed numerous hands going through at least 3 other banks. It wasn't until FNB took over in XX/XX/XXXX that there became an issue with how the overdraft fees were charged. I believe that there is a flaw in the formula that calculates these charges because otherwise I would have had the same issue with the other three banks that had handled my account. When I started researching this, I found TONS of posts from people that had the same thing happened to them. https : XXXX The Bank Statements that are generated and given to the Customer as a record of transactions for month, that should be the basis for fee assessments as that is the only record we have. If the Bank Statement says there was money in the account for the specific transactions, then there was money in the account and fees should not be charged.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 17th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, AL XXXX XXXXXXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$7600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : $ XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : 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 XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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: Checking or savings account

I received a call from Chase bank on XXXX, XXXX XXXX at XXXX stating a person from Florida had access to my XXXX account, and had stolen {$2000.00}. I was told by the customer service representative that I needed to send the money back to myself in order to stop the fraudulent transaction from happening. I was given the phone number XXXX and the name XXXX who also worked with Chase. I sent two transitions ( each for {$1000.00} ) and waited while they told me the funds needed to be encrypted and send back to myself. After realizing a few moments after that this was a scam, I immediately called Chase bank back and told them what was happening. 
After waiting 10 days for the company to review my claim, I was told that I was the one that authorized the payment and I would not receive any protection from this scam. 

In XX/XX/XXXX, the Consumer Financial Protection Bureau clarified its position on banks ' required compliance with the Electronic Fund Transfer Act of XXXX, also known as Regulation E. The CFPB says that " if a third party fraudulently induces a consumer into sharing account access information, '' that consumer should receive the same protections as if the money were acquired from a stolen debit card or other banking " access device. ''
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, and Im submitting this complaint myself and there is no XXXX  party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9600.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9600.00} -This is not my account. 

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Notice : Unauthorized Credit Reporting Violation Pursuant to North Carolina FCRA Identity Theft Fraud Laws Dear SANTANDER CONSUMER USA, I am writing to address a serious violation concerning the unauthorized reporting of information to my credit report, as outlined by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and North Carolina laws pertaining to identity theft fraud. 

It has come to my attention that SANTANDER CONSUMER USA has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Under federal law, as stated in the FCRA, consumer consent is a fundamental requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

Moreover, North Carolina laws, particularly those regarding identity theft fraud, reinforce the importance of consumer consent and the protection of personal information. Unauthorized access and misuse of personal data, as outlined in North Carolina identity theft fraud laws, are considered serious offenses. 

I want to make it unequivocally clear that I have not provided consent for SANTANDER CONSUMER USA to report any information to my credit report. This lack of explicit permission constitutes a blatant violation of my rights, potentially resulting in damage to my creditworthiness, and demonstrates a disregard for federal and state laws. 

I demand that SANTANDER CONSUMER USA immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and relevant North Carolina laws pertaining to identity theft fraud. Failure to comply within the stipulated 30-day timeframe will be considered willful noncompliance, subject to penalties under applicable laws. 

Obtaining consent is not optional but a legal obligation under these specific sections of the FCRA and North Carolina laws. This is not negotiable ; it is a demand for compliance with both federal and state regulations, aimed at protecting consumers like myself from unauthorized and detrimental credit reporting practices. 

I expect immediate attention to this matter and prompt rectification of these violations by SANTANDER CONSUMER USA, in full respect of my rights under federal and state laws.
Product: Checking or savings account

XXXX XXXX, 2024 - Logged into my account to see no bank accounts including no bank statements. 
- Chatted and was told to call XXXX - I was told to go the BMO branch in XXXX, OK which is over XXXX miles away. 
- I asked for a supervisor. 
- The supervisor XXXX or XXXX told me my account was closed to inactivity. 
- I specifically asked was it because of not logging in the online portal or app or was it because it was currently {$0.00}? 
- The answer to those questions were no. 
- Inactive and closed because of no transfers or deposits in the last 20 days. 
- My last direct deposit was on XXXX XXXX, 2024. 
- I was also told this was in terms and a letter would be sent. 
XX/XX/2024 - I never received anything from BMO besides an offer for a new credit card. 
- I have not see anything in the terms about a 20 day inactive clause. Only that an account can be close if at {$0.00} for a year.
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

XXXX XXXX & XXXXXXXX XXXX XXXX reappears on my credit report for late payments.These accounts has been paid and closed back in XXXX. 

Upon reviewing my consumer reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies Play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy.i have never missed a payment on the following account.

According to 15 U.S. Code statute 1681e compliance Procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedure to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Debt collection

I have received reports from XXXX and XXXX that Flagship is reporting a debt on my consumer report, I have asked for validation of this debt numerous times that is reporting inaccurate, Flagship is reporting inaccurate and illegal chargeoff of my consumer report. i have sent off letter to Flagship on XX/XX/2021 via certified mail U.S. Postal XXXX, the letter asked them according to my consumer rights to enclose all information that this vehicle was repoed in compliance withing the laws of Texas, they are reporting inaccurate information to the Bureaus of inconsistent this is violation of the FCRA. They are in violation and I will seek my lawyer if this is not rectified in the ordiance for them to remove this. It has been pass 15days, they have received the letter in their office on XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize a hard credit pull of my credit. I only authorized a soft pull. 

Any hard pull of my credit is to be reduced to a soft pull or removed altogether. 

No authorization was given to have a hard pull of my credit file.
Product: Credit card

On XX/XX/XXXX XXXX issued a credit to a credit card for a purchase that was made in XXXX. Refund {$3400.00} The card they issued it to was closed and I no longer had in my possession. When I found out the error it took awhile to figure out which bank the card belonged to. After a lot of research and digging we found the issuer was through : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX, XXXX I called Upgrade on XX/XX/XXXX - I was told they do not have the funds. I was told that if funds were issued to a closed card that they would be returned to the merchant within 5 business days. Merchant never received it. 

I called upgrade again on XX/XX/XXXX - I was told that they do not have a credit but they would escalate the issue with a manager. I was told again that the refund should have happened within 5 business days ( refund back to the merchant ). 

I called upgrade again on XX/XX/XXXX - I was told that they do not have the credit and could not help me. They said my account is closed with them and if a credit was to have come on a closed card it would have been returned to the merchant. I tried to escalate with them and was told I have escalated as far as I could and they could not do anything. I was also told my account was closed and was sold to another bank who I could call. UPGRADE REFUSED TO HELP ME ANYMORE AND WOULD NOT EMAIL ME BACK SO I COULD HAVE PROOF OF THIS. THEIR CUSTOMER SERVICE WAS DEPLORABLE. 

XX/XX/XXXX - Out of the blue Upgrade received the credit ( this credit was issued back in XXXX, I was told time and time again that Upgrade did not have it, this was totally unacceptable ). I called and spoke with XXXX, I let her know what I was told by Upgrade in XXXX and XXXX, I let her know I wanted to formally dispute the credit and that it should be returned to the merchant. She said she would reach out to her team and let them know. 

XX/XX/XXXX - XXXX with Upgrade said they would not be issuing a dispute or returning the credit. I explained again that the card that the credit was issued to was CLOSED for FRAUD. UPgrade should have NEVER have approved the funds and should have returned them to the merchant once. 

I have not heard back from Upgrade. They are accepting a credit issued by a merchant on a card that was closed and was no longer valid. Upgrade should return the funds to the merchant.

It is an outrage that any bank would accept any transaction ( credit or charge ) to a card that was closed. A closed card should protect consumers from invalid transactions.