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

On XX/XX/XXXX, I attempted to make a purchase at the XXXX, XXXX XXXX in the amount of {$51.00} using my Bank of America Debit Card which is linked to my checking account. I inserted the card ( with a chip ) into the machine and after waiting nearly a minute, the clerk asked me to remove the card and insert it again, which I did. After nearly another minute, the clerk advised me the sale was declined and asked if I had another card I could use to make the payment. I said I did, but preferred to use cash instead. I completed the transaction using cash for {$51.00}. The next day, I checked my online banking statement and saw that XXXX transactions for {$51.00} at the XXXX XXXX were pending. Several days later, I noticed the transactions had cleared and my account was charged {$100.00}. On or about XX/XX/XXXX, I filed a claim with Bank of America for the incorrect charges. I was asked at that time if I had the receipt for the cash purchase and I explained that I did not. Several days later, I was advised the XXXX charges totaling {$100.00} would be temporarily credited to my account while the claim was being investigated. 
On XX/XX/XXXX, I received a letter from Bank of America stating " We 've completed our review of these claims and have determined that no errors have occurred in this instance. '' Further, the total amount of {$100.00} will be reversed from my account on XX/XX/XXXX. I immediately called Bank of America Customer Service at XXXX and spoke to XXXX in XXXX with the Fraud department. He stated that the claim was denied because I could not produce the receipt proving the transaction was completed by cash. I informed him that the issue is that I did not provide a PIN nor did I sign a credit charge at the time of purchase and it does not matter whether I completed the purchase or not or how I paid for it. After some insistence, XXXX finally decided to escalate the claim but I have my doubts to the outcome since he said it was my responsibility to prove my claim by providing the cash receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE OF DISPUTE : DEMAND FOR VALIDATION AND PROOF OF CLAIM Dear Consumer Financial Protection Bureau. 

I am writing to file a complaint against Discover card regarding their dispute resolution process. Despite my attempts to dispute a charge on my account, Discover has failed to validate my dispute and instead sent me a statement for verification. This practice is in violation of the Fair Credit Reporting Act, This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration of Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communication under 15 USC 1681i. This complaint is backed by the words of congress when it comes to verification of an account. 

According to this law, creditors are required to investigate disputes and provide consumers with a method of verification. However, simply sending a statement for verification does not qualify as a valid method of verification. I am frustrated by Discover 's failure to properly investigate my dispute and provide me with a valid method of verification. 

I have received nine copies of the same exact letter with no further explanation. 
I believe that this is a serious matter and that Discover 's practices are unfair and deceptive. I urge the Consumer Financial Protection Bureau to investigate this matter and take appropriate action against Discover. I also request that you provide me with any assistance that may be available to me in resolving this dispute. 
Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX BK Docket # : XXXX File Date : Amount : Status Date : XX/XX/XXXX - XX/XX/XXXX Plaintiff : Action Type : Status : CHAPTER XXXX BANKRUPTCY DISCHARGED I spoke with several county administrators at the Federal court house and they do not verify information filed in their court system via emial, mail, phone or in person without id.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following accounts that appear on my credit report are not mine, they were not authorized, please review Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft KOHLS/CAPONE Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

7. Identity Theft XXXX  Account Number : XXXX This is not mine. 

8. Identity Theft XXXX  Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX  XXXX XXXX  XXXX XXXX  Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX  XXXX XXXX  XXXX XXXX  Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

I have already sent letters to the creditors asking to remove the late payments on my credit report they have not abided by my request. In which the information is reporting inaccurately. They have also violated my consumer rights by not giving me the option to opt out from reporting this information to any third party agency.

15 U.S.C 6802 states Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; Please remove any negative/late payments and update the following accounts to positive. This has made a huge impact on my score and made it difficult to apply for credit for a new home. 

ACCOUNT NAMEXXXX  ACCOUNT XXXX XXXX ACCOUNT NAME- XXXX XXXX ACCOUNT # XXXX ACCOUNT NAME- XXXX XXXX XXXX  ACCOUNT # XXXX ACCOUNT NAME- XXXX XXXX ACCOUNT # XXXX ACCOUNT NAME- XXXX XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT NAME- XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX
Product: Checking or savings account

Chase bank took money out of my account ( unauthorized ) 3 times since XX/XX/XXXX. The 3 checks were written out to me by a XXXX XXXX Each check was in the amount of {$1400.00}. This is a total of {$4200.00}. There was also a separate {$6.00} fee. I reported the fraud to Chase and they denied my claim while on the phone with them. Stating your claim has been denied because you were the one who cashed the checks. They never even considered an investigation eventhough, I reported identity theft to them prior to this happening. This also is not the first time. Chase bank also took {$2700.00} out of my checking account ( unauthorized ) back in XXXX. I was able to recover my money 8 months later. After providing all the proper documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

As per the Fair Credit Reporting Act, specifically 15 USC 1681 section 602 ( a ), it emphasizes the importance of consumer reporting agencies conducting their responsibilities fairly, impartially, and while respecting the consumer 's right to privacy. XXXX and Experian are recognized as consumer reporting agencies, and as a consumer, you hold the right to ensure the protection of your private information, as supported by 15 USC 6801.

Under 15 USC 1681 section 604 ( a ) ( 2 ), it is stated that a consumer reporting agency may only furnish a consumer report based on the written instructions of the relevant consumer. The financial institution, classified as the " Furnisher of information to credit agencies '' in this case, falls under the definition of a financial institution according to the relevant title. Therefore, both the financial institution and consumer reporting agencies such as XXXX and Experian do not possess your consent to furnish your information, specifically without your written consent, as mentioned in the statute. 

Furthermore, 15 USC 6802 ( b ) ( c ) explains that a financial institution is prohibited from disclosing nonpublic personal information to nonaffiliated third parties unless the consumer is informed of their option to exercise nondisclosure. In this case, the " Furnisher of information to credit agencies '' failed to inform you of your right to exercise the nondisclosure option, which is a violation.

Additionally, 15 USC 1681C ( a ) ( 5 ) states that a consumer reporting agency is not authorized to include certain items of information, including adverse items, in a consumer report without your permission, unless permitted under subsection ( b ). Therefore, their reporting of this adverse item without your permission is a violation of the law.

Moreover, 15 U.S. Code 1681s2 ( A ) ( 1 ) stipulates that a person must not provide any information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. XXXX and Experian are required to maintain reasonable procedures to avoid violations of section 1681c and to restrict the provision of consumer reports to the purposes listed under section 1681b, as outlined by 15 U.S. Code 1681e.

Lastly, according to 12 CFR 1016.7, a consumer has the right to opt out of reporting services at any time. Therefore, I am exercising my right to opt out of their reporting services.
Product: Credit reporting or other personal consumer reports

Someone opened an account at XXXX XXXX on the date of XX/XX/XXXX of the amount of {$2300.00} and a late payment XXXX i will also be filing a FTC report XXXX
Product: Debt collection

I filed my taxes and was expecting a small refund. Instead I XXXX  letter in the mail from the state of Kansas stating that I owed a debt to a collection agency and they submitted it to the state for collection. I have no idea what this debt is for but they are telling me I owe the city of XXXX or a court here money and that is what the debt is. I asked them to send me the debt information and they have not done so after a week. The state is holding my refund and has notified IRS to withhold my refund as well. On the state set off website it states that I have be notified and an attempt at collecting the debt on 3 separate occasions before the collection company can request that a tax refund set off takes place. I have never gotten anything from these people about this debt. This debt collector got my information such as address, social security number, etc from the state when they did the set off request. I have not had an opportunity to 1. Know what the debt is. 2. Dispute the debt if it is or is not valid. 3. Be notified prior to the set off that they were going to seize my money. I have emailed the state set off program and they said it will take 45 days to investigate and until then, I can do nothing about it. I need that refund. I am out of work. Here is the website to the state set off program. XXXX XXXX XXXXXXXX The debt collector is XXXX and their phone number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

why does ROCKET MORTGAGE portal/website not reflect what im being told with rocket customer service ( 2 different awnsers, 2 different occasions ), plus adding a late charge.?? first payment due XX/XX/XXXX. paid XX/XX/XXXX. payment was applied to XXXX? and im told XXXX payment ( first payment due ) is now late because they applied it to XXXX. If this is correct they why does not this website/portal reflect this stating " first payment due XX/XX/XXXX ''. Rocket omitted error made twice. WHY ARE THE 2 DIFFERENT AWNSERS IM GIVIN NOT REFLECT WHAT ALL PAPERWORK AND WEBSITE STATE.??
Product: Debt collection

Multiple calls to my place of work. I told them to stop and calls continued.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im depressed  now.with no help.
Product: Credit card or prepaid card

When my online Wells Fargo Visa business account showed a balance due of {$0.00} for XXXX, 2023, I assumed I had made my payment, as I do- in full - every month. However, when I went to reconcile my account, I realized I had not made the XXXX payment. When I contacted the bank, I was told that a refund of {$75.00} ( for a product I returned to XXXX ) had been applied as a payment. Since the refund exceeded the minimum payment due of {$41.00}, WFB showed my account as having {$0.00} due. As a result, I did not make the full payment, which will result in interest charges on the remaining balance of {$2000.00} moving forward. 

I contacted WFB and was told that I would have to wait until my next closing statement to see any interest charged to my account. That interest rate is 15.24 %. 

A refund is normally applied as a credit to a credit card account, not as a payment. That is, of course, unless the bank has figured out a way to " inadvertently '' make a mistake that fraudulently increases interest earnings on credit cards. I seriously doubt this is a one-off mistake. Therefore, I think it would be prudent to ask WFB when this practice was begun and how many times customers have had refunds applied as payments, rather than simple credits, resulting in interest charges on the balance due.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> the loan with XXXX XXXX was paid off, It show accurate on XXXX but incorrectly on XXXX and Transunion. I have been requesting it to be updated numerous times and still has not. I want it now deleted from all credit bureaus.
Product: Credit card or prepaid card

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below.

Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.

1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence.

Account Name : CAPITAL ON
E Account NumberXXXX Please remove it from my credit report. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX  COMPLIANCE. 
Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Product: Mortgage

was on covid forebearance for my mortgage. it ended on XX/XX/XXXX XXXX by XX/XX/2022 i was told my house was in foreclosure for lack of payment. was never called or giving any indication this would happen. by law midland mortgage has got to inform you of options before they proceed with a foreclosure and give options for getting back on track. they did none of this. I've been in communication with Midland on the XXXX of XXXX to try to rectify this situation but was told by another company that has been calling me that Midland has set up a short sale of my home on XX/XX/XXXX XXXX if that's not unfair practices then i dont know what is
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to apply for a loan with XXXX XXXX. Equifax has a lock on my credit file, and I have contacted them twice to get the file unlocked. Note that it is almost impossible to reach A LIVE AGENT AT equifax. Two week ago I was told that to unlock my account they would be sending me a PIN code. It never arrived, and now my XXXX XXXX loan has been rejected due to their inability to see my file at Equifax. 

In XX/XX/2017 the same thing occurred with another bank trying to access my Equifax file. The two other Credit Reporting agencies have NOT been a problem at all. 

Equifax needs to unlock my report, and they refuse to do so, causing me financial harm.
Product: Credit reporting 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.

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Account XXXX XXXX-XXXX-XXXX  XXXX XXXX. XXXX XXXX XXXX XXXX  Account Number XXXX  XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX XXXX Account XXXX  XXXX XXXX XXXX XXXX. XXXX Account XXXX XXXX  XXXX  XXXX  XXXX XXXX. XXXX Account XXXX XXXX  XXXX  XXXX  XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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 inaccurate.
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. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, XXXX USC Sections XXXXi within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you 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, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX Inquired on XX/XX/2023 XXXX