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

I received a copy of my credit report and I have found the following item listed below to be an error. 

XXXX OPEN DATE : XX/XX/year> - ACCT # XXXX Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under a consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21days before the payment due date. I NEVER gave EQUIFAX Reporting Agency OR XXXX XXXX XXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b ( 2 ). EQUIFAX Credit Reporting Agency has caused severe stress and anxiety due to its abusive and unfair practices. This is a violation of 15 U.S. Code 1692 ( a ) Abusive Practices,15 U.S. Code 1681b ( 2 ), and 15 USC 1666b to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for $ 1k per violation, for unauthorized credit reporting listed without my expressed written consent.
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 {$1000.00}, {$130.00}, {$800.00}. 
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 ) -- AUTO ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 2. XXXX  XXXX XXXX XXXX   with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$130.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$800.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I PULLED MY TRANSUNION CREDIT REPORT AND NOTICED SEVERAL ACCOUNTS THAT DO NOT BELONG TO ME. THEY ARE LISTED ON THE FTC REPORT. 
CFPB Write up In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

We deposited a settlement check of {$40000.00} from a well-known law firm ( XXXX XXXX XXXX into our personal account on Friday, XX/XX/2023. A hold was placed on the check until the XXXX of XXXX. 

The day the check was supposed to clear, the sending bank ( XXXX XXXX was encountering problems and for some reason (?? ) the check wasn't okayed. Chase then put a further hold on the check for a week, until Tuesday, XX/XX/XXXX. 

This is beyond the understood amount of time a bank can/should hold a check. On top of that, the same day of the issue, my wife and XXXXXXXX XXXX  attempted to explain to Chase that the check was clear to cash, but they have outright refused.

There is NO reasonable explanation for Chase 's action. Though this complaint may mean little as the check will likely clear before it can be addressed, I still wanted the complaint on file with the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DUPLICATE Im resubmitting this complaint against XXXX, XXXX, and Transunion due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Product: Credit reporting or other personal consumer reports

This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau ( s ), the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b } that your claim is disputed and validation is requested. 
This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Product: Checking or savings account

BB & T locked my savings account after a year of no withdrawals. I transferred funds into the account, after all, its a savings account - designed for long term savings - but BBT doesnt consider the transfer of dollars into the account as an activity. Now the dollars transferred are locked. They state that i need to come into a location to unlock and receive my funds. 

I live out of state. I have a notarized letter stating my desire to close out the account and release my funds. All attempts to fax fail as the line is constantly busy. The bank has yet to return my calls to e-mail them a signed copy as an alternative to their fax. 

This is the BB & T on XXXX XXXX in XXXX VA
Product: Money transfer, virtual currency, or money service

On XX/XX/2019, XXXX transfer was initiated from my USAA bank account for {$90.00}. This transaction was fraudulent. The recipient of this transaction does not seem to actually exist, even though they're supposed to be tied to a bank account.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the accounts and inquiries listed below from my credit report. I am a victim of a data breach, and these entries result from unauthorized activity. Under the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX XXXX XXXX ( a ) and XXXX ( b ), I am entitled to request the removal of these fraudulent accounts and inquiries. 
Accounts to XXXX and Delete : XXXX. XXXX - Account XXXX : XXXX - XXXX : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX - Account XXXX : XXXX - XXXX : XX/XX/XXXX - Balance : {$23000.00} XXXX. XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$1100.00} Inquiries to Block and Delete : XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus never did a proper " Investigation '' according to the FCRA The Term " Investigative consumer report '' mean a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer report on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They Did Not Do This. 

Also, They have violated my rights even more In Accordance With The Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit Bureaus Stated my accounts was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This Grounds for Removal. 

They also violated the law because according to 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 : Its also states a consumer reporting agency can not furnish a account without my written instructions I did not give anybody written instructions
Product: Credit reporting or other personal consumer reports

This is an investigation that includes additional supporting documentation, Please see the attachments provided. I also have an attorney looking into this matter, and will be providing supporting documentation requesting these items be removed from my credit reports in 4 business days 605B 15 U.S.C 1681. I appreciate your prompt help in this matter.
Product: Debt collection

I have disputed this charge. I have sent them request to verify this charge. They do not have any signed documentation on this charge and I want them removed. I believe it was filed incorrectly under medicare/medicaid and this item is not mine.
Product: Credit reporting or other personal consumer reports

Ive been writing to dispute certain information in my credit report maintained by TransUnion, XXXX, an agency, as provided for under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681. Specifically, I am disputing the accuracy of the information listed in the following sections : TransUnion : 15 U.S. Code 1681b XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681b Citizen Pay loc America First CU America First CU I am invoking my rights under 15 U.S. Code 1681b, which requires consumer reporting agencies to provide accurate and fair credit reports. Additionally, I am invoking my rights under 15 U.S. Code 1681e and 15 U.S. Code 1681s2, which mandate the investigation and correction of any inaccuracies or incomplete information contained in consumer credit reports. 
I request that TransUnion, XXXX conduct a thorough investigation into the disputed items and provide me with a written explanation of the results within the time frame stipulated by the FCRA. 
Furthermore, I remind you of your obligation under the FCRA to promptly delete or correct any information found to be inaccurate, incomplete, or unverifiable. Failure to comply with these legal requirements may result in further action, including but not limited to, filing a complaint with the Consumer Financial Protection Bureau and pursuing legal remedies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive seen an inaccuracy on my mortgage account it states that there is balloon payment which is not correct and not accurate there is no balloon payment. Please update the following account : XXXX XXXX XXXX XXXX  XXXX Please update status to : open
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. 

XX/XX/ # XXXX, XXXX # XXXXXX/XX/XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, XXXX XXXX XXXX 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 Section 2 : It also states a consumer reporting agency can not furnish an 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 inaccurate.
Product: Debt collection

on XXXX/XXXX/2016, I mailed a debt validation letter to Online Collections in regards to a alleged debt with XXXX XXXX XXXX Account # XXXX that I DO NOT OWE! Online Collections failed to verify the debt, refused to answer the stipulated question in my debt validation letter and in return, mailed me a XXXX-page single line statement that list the name of the doctor and a charge of {$77.00}, THIS IS NOT A VALIDATION OF THE ALLEGED DEBT!
Product: Debt collection

I have contacted this company 2 times in writing requesting written proof of my signature showing that I owe this debt. I have waited over 60 days and have heard nothing from them proving this debt is mine. They are violating my rights by not being able to furnish proof of signature.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit Union regarding multiple overdraft fees Incurred.Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balance despite initially available funds. I believe these practices are unfair and request and investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have a lawful power of attorney through my son and XXXX, XXXX XXXX XXXX XXXX. The credit card company is refusing to allow my son to access my account and has insisted that I provide a power of attorney that it has approved. As an XXXX, my son has confirmed that the power of attorney is valid under the California Probate Code, Sections 4000 through 4545. It is unclear American Express has asserted that the power of attorney is not valid. A legal basis or explanation, showing what part of the Probate Code that the Power of Attorney does not comply with would be appropriate.
Product: Credit card

There were several attempts to contact this company concerning multiple issues with these accounts. Proof of applying for these accounts. I had requested that these accounts be closed once I found out about these accounts being opened. I then inquired of why the interest is consistently being charged and not charged off instead of continuing to accrue interest. I finally received statements looking for clues as to who opened these accounts. 

Instead, I am seeing that the account is not closed and is still accumulating Interest and Fees driving up the balance by {$420.00} per month. I have contacted Discover card company, and their customer service was not offering any assistance to solving this issue. 

In looking at the statement I did receive looks like the as of XX/XX/XXXX interest rate decreased to 24.74 % with a balance of {$63.00}. After this date ( XX/XX/XXXX they increased the interest rate to 25.49 % with a balance of {$18000.00} which is leading to the current balance shown as {$18000.00} increase in the {$420.00} based on the invoices I was able to get a hold of {$2000.00} due XX/XX/XXXX. Credit limit is {$18000.00} which is over half of my salary. 

My want to obtain legal representation due to this account was indeed opened in fraudulent manner and do not belong to me yet, during this time period absolutely nothing has been done concerning this issue and has yet brought my credit score done to a XXXX from over XXXX in score. I have fraud alert on my credit report, yet this has been allowed to get to this point in the matter of months due to the incompetence of Discover customer service. The last time I spoke to Discover the representative was very rude and had displayed the attitude of not wanting to assist with this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX, has violated my rights a. 15 U.s.c 1681 section 602 A. States I have the right to privacy b. 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: Money transfer, virtual currency, or money service

I run a grocery store in XXXX XXXX XXXX, PA. Recently I had taken Western Union agency to provide money transfer services. 

On XXXX/XXXX/XXXX, Western Union withdrew {$1500.00} from my bank account though we did n't do any money transfer transactions. 

When I contacted WU, they found out that fraud has occurred and the money was taken. Since we did n't do any transaction, it appears that someone hacked into their system, made transactions on our name, for which we are not responsible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed two auto loans that I worked very hard to pay off. I paid them off and they keep showing up on my equifax XXXX XXXX report. I have disputed several times and they refuse correct the problem. A company with the power to effect peoples lives should pay attention and do their job.
Product: Prepaid card

I have a gift card that was loaded with {$500.00} and after 1 use the company blocked my card, and when I tried to call and resolve the issue, they demanded that I send identification along with the purchase receipt for purchase. This was a gift and this has happened before, so this is a known practice that has been done. They try to say a compromise issue happened and demand to get a replacement card issued.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE WITH TRANSUNION ABOUT SEVERAL ACCOUNTS LISTED ON MY TRANSUNION TRADELINES. I DISPUTED THE FOLLOWING ACCOUNTS : XXXX XXXX, XXXX   XXXX XXXX XXXXI, AND XXXX XXXX. I CONTACTED THESE COMPANIES AND THE REPRESENTATIVES STATED THAT THRY DIDNT HAVE AN ACCOUNT THERE LISTED FOR ME AND REFERRED ME TO DIFFERENT COMPANIES TO CALL. PER THE FCRA, IF THE COMPANIES DONT OWN THE ACCOUNTS THEN THEY SHOULD NOT BE LISTED ON MY TRADELINES. TRANSUION STATED THEY VERIFIED THE ACCOUNTS, BUT THERE IA NO WAY THESE ACCOUNTS COULS HAVE BEEN VERIFIED ACCURATELY IF THE COMPANIES DONT OWN THESE ACCOUNTS.
Product: Debt collection

I NEVER SIGNED A CONTRACT WITH THIS COMPANY! 
I have asked them to provide PROOF ( SIGNED CONTRACT ) of this debt they say I owe or remove this from my credit and they fail to comply!
Product: Mortgage

Factual Data, bureau express reported false data on my credit report. 
While applying for a loan product and while reviewing my credit report I found shocking information is on my credit report. 
XXXX items listed were not related to me or it has been paid off long time ago, and factual data bureau is still keeping wrong information in my credit report. 
1. XXXX XXXX account has a balance of {$7900.00}, card # XXXX ( Verified with bank and that account do not belong to me, ) 2.XXXX account # XXXX, balance of {$7400.00} XXXX account is invalid or does not belong to me. Verified with XXXX credit card. 
3. XXXX bank account # XXXX balance of {$310.00} This account does not belong to me. 
4. XXXX account # XXXX, balance of {$130.00} Due to the wrong information on my credit report my credit score suffered and I am forced to pay a higher interest rate. 
I am requesting an immediate action on this issue and correct these errors. So I can have my life back. 
Factual data management irresponsibly posted balances which does not belong to me. This report added my liability to {$15000.00} which is not a small amount, which I have nothing to do with. 
Address:XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter regarding inaccurate information and unverified items on my credit report. It has been over 30 days and I have not received a proper response yet. I feel like I am being taken advantage of and that my disputes are being ignored. Section 611 ( a ) of the Fair Credit Reporting Act clearly states that a failure to investigate the disputed items within 30 days gives reason to immediately remove said items from my credit report. It has been over 30 days so the disputed items need to be deleted promptly from my credit report. Furthermore, I demand that these items be deleted immediately or I will file for litigation due to the stress that you and the bureaus have caused me. My information may have also been impacted by the XXXX data breach and could have gotten into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed multiple disputes with XXXX, XXXX, and XXXX in XX/XX/XXXX and XX/XX/XXXX each disputed was responded to with results verified. I then sent in dispute letters requesting how the late payments were verified and received no response. Each bureau is reporting a 90 day late payment for XX/XX/XXXX on all 11 of my XXXX  accounts and I was never late. 
Each bureau is also reporting multiple late payments for my 3 college foundation INC accounts. XXXX is showing a 60 day late payment for XX/XX/XXXX while XXXX and XXXX shows the payment was on-time and not late. 

In Accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. These accounts are in violation of not reporting 100 % accurate.