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

: I have recently been informed again that there is negative information reported by XXXX XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings of {$240.00}, {$240.00}, {$240.00}, {$350.00}. I challenge the accuracy, compliance and reportability of these listings. 
There are no contracts, no valid claim ... account was settled with original creditor and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twice or reported wrongthis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.
Product: Checking or savings account

XXXX : Received text message from Chase inquiring if I authorized a charge of XXXX. I immediately replied " No ''. Received immediate reply from Chase stating that I had already replied, which I had not. I then phoned Customer Service ( XXXX XXXX  PST ) and reported that 4 fraudulent withdrawals and 1 fraudulent deposit were made to my account. Was told to file a claim directly with the Claim Department but they were already closed. 

XXXX : Contacted Chase Claim Department to file a claim. Provided all information on fraudulent transactions, including that they were originated in another state. Provisional credit issued. 

XXXX : Called Claim Department to check status of claim. Was told claim was denied due to impossibility of duplicating PIN number at chip-enabled terminal. XXXX credit rescinded. 

XXXX : Went to local Chase branch for assistance. Banker called Claim Department, who advised me to fax over supporting documents. 

XXXX : Faxed supporting documents to Claim Department. 

XXXX : Called Claim Department. Spoke to supervisor who said " fraud could not be proven ''.
Product: Credit card or prepaid card

several companies also on this list. 

XXXX XXXX simple XXXX XXXX XXXX XXXX XXXX XXXX refusal under regulation Z to reimburse consumer for charges never made or for charges for cancelled accounts that other companies ( 3 insurance and credit bureaus ) are runaway billing the consumer for and will not cease. 

XXXX cardholder agreement says that the charges can be reverse at any time and the consumer has a right to the money. Cards may be reissued, ( wasnt for XXXX XXXX ) however, the consumer is still owed the money and nobody wants to return it. 

I am owed over {$500.00}. because XXXX and XXXX ( XXXX and XXXX own thier cards and networks and issue cards directly ) subcontract they dont care anymore about the consumer.They leave it up to banks and banks give even less a " XXXX XXXX XXXX ''.
Product: Mortgage

This Complaint is against Ditech Financial LLC, Ditech Holding Company or wahtever name they chose to do business under today. I've attached documents showing my Escrow Analysis documents from XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These documents show an increase in my county tax payments. I believe these are accurate. These documents also shows an increase in my combined Property Insurance which I do not believe are accurate at all. I did not request any changes to my Property Insurance coverage and I have tried to contact the company, but I never get anyone to answer the phone. I also have just received a letter concerning Ditech filing for Bankruptcy so I did some internet research and found thousand 's of  complaints against Ditech and their Holding companies. Many of these complaints are very similar to mine and go far beyond my experiences with this company. I believe Ditech my be charging me for property Insurance that is not required under my mortgage agreement or by city , county or state law.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX and my Synchrony credit cards show in collections on my credit report. My soon to be ex-wife stopped paying them but once I found out, I started making payments to try to repair my credit.

Even though I have set up payment plans and made 3 months worth of on-time payments, they both refuse to show that I am making payments on this debt. These negatives on my credit report are harming my credit score and since I am making payments, the credit report should reflect that.

They say they will not change the credit report until the entire debt is paid. I believe that is bad faith. Why would anyone make payments if it isn't going to help their credit?
Product: Mortgage

I am approved for a home equity loan in the amount of {$15000.00} with US Bank. We have the closing on the XXXX and received the closing disclosure this morning ( XX/XX/2019 ) - where I noticed that it states the " disbursement date '' is XX/XX/2019. I inquired about that and US Bank stated that is due to the TILA right to rescind. I promptly stated that I wish to waive my right to rescind because the funds are needed for an emergency to pay for a roof replacement on the home. US Bank responded back stating that they can not waive the right to rescind, it's bank policy. Which I then provided the link to the CFPB 's website stating that as a consumer, I have the right to waive the opportunity to rescind and ask that funds be made available immediately. They again refused. Therefore, I'm submitting a complaint that US Bank is not allowing customers to waive the right to rescind for a home equity loan in an emergency situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Finance Companies - non specific Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Bank Credit Cards Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Tenant Screeners ( Reseller ) Contact info Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX BELOW IS A LIST OF INACCURATE ADDRESSES ON MY CREDIT REPORT THAT MUST BE REMOVED ALSO DUE TO IDENTITY THEFT!!!!!! XXXX XXXX XXXX XXXX, NY XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX THIS ACCOUNT DATE OPENED/DATE CLOSED/BALANCE/LAST PAYMENT IS IN ACCURATE THE ACCOUNT NUMBERS ARE INCOMPLETE THIS IS GROUNDS FOR REMOVAL. 

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later tha

n 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law b
ecause I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to contact both Equifax and XXXX regarding this issue MULTIPLE times. One month ir reports correct then the next it is back incorrect. I received a letter reflecting that all payments were made on time from XXXX and have sent it to both of these bureaus and they consistently do NOTHING! XXXX received the same information and have since corrected this issue!
Product: Credit reporting, credit repair services, or other personal consumer reports

Made a dispute with credit bureau in regards to inaccurate accounts. Credit bureau sent a letter stating the disputed accounts were " verified. '' However these accounts are not reporting correctly so im confused how they are verified while being incorrect. I then sent a letter to the bureau asking for documents contained in the investigation based on FCRA 611 ( A ) ( 7 ). As of today 7/1/2020 I have not received info about the report and incorrect items still remain. The bureau is not following E-Oscar and Metro 2 compliance protocol.
Product: Credit reporting or other personal consumer reports

I discovered erroneous entries on my credit report that fall under 15 USC 16c-2. This information is inaccurate and damaging my credit profile. The inquiries were not approved by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted these accounts to Experian and XXXX for over a year now with Police report and FTC identity theft report. Still they have not removed the accounts from my credit report. Transunion has deleted the accounts already. 
XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXXl acc # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Purchases made with Kohls card around XX/XX/XXXX. Address updated XX/XX/XXXX taken at the XXXX XXXX XXXX store. Store wasn't able to provide an exact balance so asked me to wait for statement. Statement did not come. In XX/XX/XXXX {$30.00} was paid. Kohls store in XXXX also could not provide exact amount owing. Address updated again. Again no statement came during the months following. Called again. Told balance over the phone and payment made. In XX/XX/XXXX debt collector letter received for {$11.00} ( for the late payment charge ). Kohls had been charging me late fees and then late fees on top of the late fees. Call Kohls to complain and to examine exactly what I am being charged for. Previous months statements sent to me. I reconciled the transactions and rang Kohls to complain that all the late fees and interest charged were accruing on top of each other and that payments for all my purchases was settled months ago. Three phone calls later by end of XX/XX/XXXX all late fees and interest charged was refunded and an verbal apology issued. 

In XX/XX/XXXX I go to refinance my mortgage and find out Kohls lodged numerous bad credit reports on me in XX/XX/XXXX even though I was actively sorting it out with them and they had subsequently refunded everything. Rang Kohls to have it removed. One month later receive a letter from Kohls refusing to correct the credit reports. 

The credit card is funded by Capital One. Called Capital One, was told nothing to do with them. 

Kohls tanked my credit ranting based on their own errors which they refunded and apologized for. Yet wont fix the credit report.
Product: Debt collection

I have filed twice with XXXX  that a debt for {$39.00} trying to be collected by credit systems inc of Colorado was already paid. Its a copay on a XXXX  visit. They told me I had nothing to pay then months later I was told I did so I paid it in full to my XXXX. The charge was {$35.00} and its been settled. The XXXX  is telling me they didnt send this to collections but credit systems are harassing me for payment. They have twice responded to XXXX  that they habe verified this debt. They have not. They are not verifying debts to be valid they are going off the initial information they received that is wrong. I know this because I called the XXXX  and they said its not in collections. They are illegally going after people to get invalid debts paid. I will be filing for legal recourse. Reporting them like this is step one. 

They need to be held accountable.
Product: Money transfer, virtual currency, or money service

I am formally writing to express my concerns how zelle deal with disputes, particularly in light of the recent cfpb lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, my financial institution and zelle failed to investigate my claims .. they informed me that recovering my funds was impossible
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  ACCOUNT # : XXXX XXXX XXXX # : XXXX XXXX XXXX  ACCOUNT # : XXXX XXXX  ACCOUNT # : XXXX XXXX  ACCOUNT # : XXXX XXXX  has violated my rights 15 U.S.C . 1681 Section 602 A. states I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I recently received a copy of my credit report and I noticed that this company is reporting not one but TWO negative information against my SSN. I have never done business with this company. They have never provided me with any goods or services. I have no contractual obligations to this company yet they have reported to the CRA 's that I indeed do. I am requesting validatio for both debts. Please send me a signed contract between me and your company. One that I signed and one you signed. Copies of a copy is not legit. I would like to see the contract with my wet ink signature, detailed statements from the last 6 months, and how this alleged debt was calculated.
Product: Debt collection

XXXX XXXX XXXX contacted me about a 9 years old debt that was charged off my Credit History 2 years ago, It was affecting my Credit Bureaus for 7 years now this Agency sent my old debt to another new Debt Collection Agency named XXXX XXXX XXXX, this last one is threatening me with another 7 years od bad luck.Please help me.The original collection started in 2006 with a Bank of America Credit Card.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file 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 or other personal consumer reports

I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Equifax I believe these late payments are erroneous and do not accurately reflect my payment history. 

Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness. 
3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information. 
Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 
Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Removal Request Of Unauthorized Hard Inquiries Dear Credit Reporting Agency, The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( XXXX ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, without permissible purpose or authorization. 

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 XXXXXXXX Delete from file I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity. Please forward any changes to my file to the address above and to the necessary creditors within the allotted legal time frame. 

Best regards, XXXX Equifax XXXX XXXX XXXX XXXX, XXXX XXXX Re : Removal Request Of Unauthorized Hard Inquiries Dear Credit Reporting Agency, The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( XXXX ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, without permissible purpose or authorization. 

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 Delete from file I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity. Please forward any changes to my file to the address above and to the necessary creditors within the allotted legal time frame. 

Best regards, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX Re : Removal Request Of Unauthorized Hard Inquiries Dear Credit Reporting Agency, The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, without permissible purpose or authorization. 

XXXXXXXX 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  Delete from file I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity. Please forward any changes to my file to the address above and to the necessary creditors within the allotted legal time frame. 

Best regards,
Product: Checking or savings account

XX/XX/2023 I went into a BMO Harris bank to withdrawal. I presented ID and I signed with my initials rather than signature. I was denied because of my initials such that I was not asked to present a 2nd ID. Thus I called BMO Harris and they stated usually you show two forms of ID for which the manager did not request two IDs but I presented them anyways as a concern of fraud on the business end to not process my transaction even if I verified who I am over the phone thus this still was not good enough. I was denied instead of the manager recognizing her fault thus I was denied my withdrawal and essentially I was also going to close the account after the first withdrawal leading to a second withdrawal for all funds. I decided to pull fund manually from the account as a concern for deception of the local bank trying to cause a scene and harass the customer when I verified myself over the phone and this was truly authenticated. Hostile concerns even with two separate IDs presented.
Product: Prepaid card

XXXX reversed XXXX XXXX separate payments back to my Utility Benefit Spending Account this a is a government related benefit by XXXX and XXXX XXXX refuses to return the funds to my Utility Benefit Spending Account and total amount due to be returned is : {$1200.00}
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, XXXX, EXPERIAN, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS XXXX XXXX XXXX XXXX XXXX and XXXX XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from XXXX XXXXXXXX, XXXX  and XXXX WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT XXXX AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL 5USC55SA!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Product: Credit reporting or other personal consumer reports

Hello, I was sent two false checks by Lexington Law one was worth XXXX and the amount was XXXX. I was told I would be sent these checks to clear my credit and be able to purchase home. They wanted me to deposit in my account through the atm and my bank said they were fraudulent checks. Please let me know when I will recieved my money back for this and thank you in advance. Lexington law lied and withdrew money out my account different amounts as well. 

Thank you
Product: Debt collection

Dynamic Recovery Solutions has been pretending to be a law office and harassing myself and my family by calling our cell phones and leaving threatening voice mails on a regular basis. They insist that I call them back over a complaint that has been filed against me or that they will serve me at work.