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

I HAVE MOVED FROM XXXX XXXX BACK TO XXXX I SEEN THAT SOMEONE HAS ACCESS MY PERSONAL CREDIT FILES AND I HAD LOST MY ID A WHILE AGO. I WANT TO PROTECT MY CREDIT FILE AS MUCH AS I CAN. SOMEONE IN XXXX XXXX HAS BEEN USING MY NAME A SS CARD NUMBER TO APPLY I REQUESTED SEVERAL LEGAL DOCUMENTS AND HAVE NOT RECEIVED ANY-THING. I AM A VICTIM OF FRAUD. I PULLED MY CREDIT REPORT AND FOUND SEVERAL ACCOUNTS ON MY REPORT THAT DO NOT BELONG TO ME. THE AC-COUNTS LISTED BELOW DO NOT BELONG TO ME : 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act and the united States Code the following convergent accounts has violated my rights. 

1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX 4. BANK XXXX XXXX XXXX 5. XXXX  XXXX 6. XXXX  XXXX 7. XXXX XXXX XXXX XXXX 8. XXXX XXXX XXXX XXXX 9. XXXX XXXX XXXX XXXX 10. XXXX XXXX XXXX XXXX 11. XXXX XXXX XXXX XXXX 12. XXXX XXXX XXXX 15 U.S. Code 1681a ( 4 ). States I have the right to privacy.

15 U.S. Code 1681b ( a ) ( 2 ) : States a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made within the 15-day grace period : My payments were made on time, which falls within the standard 15-day grace period offered by XXXX XXXX. The payments were not late, and the 30 and 60-day late entries are inaccurate. 
Clerical error by XXXX XXXX : Despite making the payments on time, it was incorrectly recorded as late due to a clerical error. This error caused an inaccurate 30-day and 60-day late payment report on my account. 
Evidence provided : I have attached bank statements and payment confirmation receipts showing that the payments were made on time. This evidence clearly demonstrates that no late payments occurred. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

The credit companies are reporting I have tax liens reported by different courts. The courts  DO NOT report tax liens. This information is being reported incorrectly. This is a violation of the Fair Credit Reporting Act Section 1681B ( c ) a nd a serious breach of my privacy rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was all of XXXX year old. I applied for a vehicle loan in which I got approved for but never took pocession of the vehicle. After learning what the interest rate my parents qould not allow me to go through with the purchase. I have had numerous conversations with XXXX XXXX in regards to this matter however, to no avail. I am seeking dire help to have this matter removed from my credit as it has made it very difficult to obtain credit.
Product: Credit card or prepaid card

XX/XX/2023, at approximately XXXXXXXX XXXX, a person identified as XXXX of the J P Morgan Chase XXXX XXXX called me to acknowledge receipt of my complaint ( XXXX ) submitted to the Consumer Financial XXXX XXXX XXXX XXXX about XX/XX/2023. Problem XXXX : The number calling was XXXX. She provided no other information. It is now almost XXXX weeks without further response from the bank. I tried to call the aforementioned number, but there was only a recording about marketing preferences without possibility of talking to anyone. JPMCB purposely deceives the public about the number from which it calls, and makes it impossible for the public to contact the person allegedly assigned.. For more than XXXX months I have not been provided with appropriate information ( statements ) about my account to verify charges. I filed a different complaint ( XXXX ) to the CFPB subsequently, but Chase has not even acknowledged it, let alone made any attempt to resolves my complaints. I do not know if " XXXX '' is a real name or nom de jour. Problem XXXX : I sent an email to JPMCB XXXX XXXX 's email address listed on the internet ( XXXX ), but my message was returned as sent to an unknown at JPMCB who supposedly is handling my complaint ( s ) while JPMCB remains silent and incommunicado. JPMCB purposely prevents the public from contacting its assigned personnel.
Product: Credit reporting or other personal consumer reports

My propeirty foreclosed with WAMU for {$3600.00} dollars I would like to know if this information is correct can you please send me any information that pertains to this? Loan number XXXXXXXX Washington Mutual Home Loans
Product: Checking or savings account

Sometime in the first week of XX/XX/XXXX, I saw a text in my phone requesting applicants to apply to carryout a survey assignment with XXXX, to which I applied. 
2. On the XX/XX/XXXX, I received a XXXX XXXX  Cashiers check in the mail in the sum of {$4700.00} along with instructions purportedly from XXXX requesting that I purchase XXXX XXXX XXXX XXXX and undertake some survey activities in XXXX XXXX ( letter enclosed ). 
3. I thereafter lodged this check in my bank ( fifth third bank ) and my account was credited in the sum of {$4700.00} seeing that this was seemingly genuine, I thereafter started carrying out the assignment and reporting my progress to the scammers via text. 
XXXX. Again, on the XX/XX/XXXX, I received two other checks also in the sum of {$4700.00} each which were also lodged in my account. 
XXXX. It was latter on the XXXX and XXXX XXXX, XXXX that my bank returned the checks as unpaid/ fraud advise after I have carried out most of the assignment. ( Bank statements attached ) XXXX. PRAYER : Fifth third should be made to return my money in the sum of {$7500.00} as well as {$45.00} charged as return fee for the XXXX checks Totalling {$7600.00} XXXX. After the purchases of the gift cards, I was supposed to make {$1300.00} from the survey. 
XXXX. I am usually careful when it comes to finances, but fifth third bank made me believe all was well. 
XXXX. Counting on your assistance towards this recovery, please.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX Dear XXXX  I am writing to formally dispute an inaccurate entry on my credit report. The account with XXXX  and account number XXXX. This inaccurate reporting is negatively impacting my credit report. I am requesting that the Consumer Financial Protection Bureau investigate this issue and ensure that the account status is corrected. As per the Fair Credit Reporting Act, if the information is not corrected, the account must be removed from my credit report. I would appreciate your prompt attention to this matter and kindly request that I be informed of the steps taken to resolve this issue. Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or before XX/XX/XXXX; AND on or before XX/XX/XXXX ; AND on or before XX/XX/XXXX ; AND AGAIN on or before XX/XX/XXXX, I have repeatedly disputed - via Certified Letters - to both the creditors as well as to all three Credit Reporting Agency ( XXXX / XXXX / Experian ) without any success! All three are reporting incorrect statuses. No response other than a computer generated response from the Credit Bureau stating they will review / investigate. Because of the Creditors or Credit Bureau not responding indicates a clear violations of the FCRA. <P/>Please be advise that I have sent over twenty certified letters ( 26 to be exact ) since XX/XX/XXXXto both Creditors and as well as to all three Credit Bureau Agency disputing and requesting debt validations. These alleged debts have been on my credit report since XXXX, though I paid these debts in full in XX/XX/XXXX!. <P/>I have requested Debt Validation from : EXPERIAN : a ) XXXX Acct No. XXXX b ) XXXX / XXXX XXXX Acct No. XXXX c ) XXXX XXXX XXXX Acct No. XXXX XXXX : a ) XXXX / Preferred Customer Acct No. XXXX b ) XXXX / XXXX XXXX Acct No. XXXX c ) XXXX XXXX XXXX Acct No. XXXX XXXX : a ) XXXX / Preferred Customer Acct No. XXXX b ) XXXX / XXXX XXXX Acct No. XXXX
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The last date that the dispute results have came back was XX/XX/XXXX. I have requested again. I have started disputing since XXXX. 
my financial service that I used has confirmed this information multiple times and confirms the information on the credit report is incorrect. 
My car was totaled in the month of XXXX, after a payment was made. My car was collected since it was damaged also a day later. I havent had my car since XXXX, yet it shows a 30 day past due payment in XXXX. I have disputed multiple times and they have refused to investigate stating that the information is correct when it is not.
Product: Checking or savings account

My previous CHIME XXXX XXXX  was {$350.00}, then when my direct deposit went in on XX/XX/year> it was decreased from {$350.00} to {$200.00}. My Previous direct deposits were less then the deposit on XXXX XXXX, 2024 but XXXX XXXX was set at {$350.00}. So it seems like the lower my direct deposit amount is the higher the XXXX XXXX availability amount will be! This really seems like Chime is robbing you by decreasing the amount with no warning. I get, and I understand ( or Ibthought I understood ) that it was set by my direct deposit. However, it seems like I don't, and to take {$150.00} away with no warning wrong. I have no issue paying the money back, but there should ve some warning!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing various accounts with your bureau and to this day I have not received answers on why or how these accounts remain on my credit report. Your agency has continued to allow reporting on invalidated information. I have continued to dispute these claims multiple times and all I have seen is the accounts being updated or verified. How are these accounts being verified? Who is verifying this information? What documents do you have to support these claims? I have yet to receive an original contract with my signature from any of these accounts so how is this being tied to me? How are they verifying this information as accurate with you? This has been detrimental to my credit report and I am seeking legal counsel. Please prove to me how you are validating the below accounts. If you are unable to prove that these accounts belong to me then I ask that you remove the accounts from my credit report. Please provide me proof that you have the contracts proving these are mine. If not, please remove it. 

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

I will like to first inform you I am the properly authorized consumer and I am submitting this dispute on my own without any third parties, with the intent to not be discriminated against for exercising rights and applying the federal laws put in place to protect me the consumer. This is a response to the claim # XXXX XXXX has breached their fiduciary duty by disclosing negative information, not required by law, to disclose and operating in bad faith. I have never and would never consent to the disclosure of any negative information to any nonaffiliated third party. I was never provided an explanation of how this could negatively affect me or how I could opt out of the disclosure of my nonpublic personal information. Congress makes it clear that any contract or conspiracy that causes a restraint of trade and commerce is illegal. I was not provided adequate notice and I received no benefit for this transaction which constitutes unauthorized use of a credit card. The provision of the CFPB that prohibit unfair, deceptive, and abusive acts and practices in connection with the offering or provision of consumer financial products or services. The following Tradeline in the resolution section have committed XXXX XXXX on my consumer report, which violates the FCRA & FDCPA. Online Information Services is using extortionate means to collect on alleged debt, I do not owe that resulted from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion This is a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C.1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required : * Purchase Agreement * Evidence that you are a licensed debt collector *Chain of Title *Proof that you are license debt collector to collect in my state. * A requested copy of your State Department of Commerce and Insurance Certificate. THIS IS A REQUEST FOR ACCOUNTING : REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C 9-210.This authenticated record must include all tax filings ( including all 1099 's, 1096 's, and 1098 's ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. I have a right to this information, as its directly associated with the reporting activities. XXXX response they stated Information has modified which mean the failed to comply with the FCRA under 15 USC 1681e ( b ) ensuring maximum possible accuracy when preparing my consumer report causing damage to my financial reputation. Failure to substantiate the claim, please settle the account immediately and cease and desist all communication and have these trade lines deleted from my consumer report. XXXX never provided any contract to prove this information is 100 % accurate or verifiable therefore must be deleted from my consumer report immediately.
Product: Checking or savings account

I was involved in a Wells Fargo phishing scam XX/XX/XXXX. I was initially notified by text message with the Wells Fargo name in the text that my account was compromised for unauthorized access and a transaction. It asked if I authorized the transaction and I texted back simply No. I was then contacted via phone call by someone who answered the phone stating this is Wells Fargo and gave an employee # and asked what the reason for the call was and I stated that I received a text that my account was attempted for unauthorized charges. 
I did not give the caller any information ( no user names, passwords or PIN numbers to my account ) They then claimed that they were closing my account and were opening another account on my behalf They then accessed my account and asked me to withdraw funds unauthorized and deposit them into a digital wallet. 

I immediately called Wells Fargo to report the activity and subsequently filed a fraudulent claim with them by debit card/account information. 
The claim # is XXXX I was notified around XXXX on XX/XX/XXXX that my claim was denied stating that an error did not occur which is not the case. It stated that a letter would be mailed to my home address. 

I immediately contacted the listed number attached to the claim and spoke with a representative that the claim was in fact denied in which I immediately requested another investigation into this claim and requested a full refund back into my account. The representative stated that I would receive a call within 24-48 hours to further review the claim for reimbursement or compensation or a compromise on behalf of the company. 

They were impersonating Wells Fargo staff and phishing the account information for access! 

All of this activity was not authorized by me, the account and card holder! 

The total amount that was lost in this phishing scam was {$2100.00}. I just want the reimbursement of this amount back into my account as I will need this to pay my bills and have no other funds to pay bills with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a thorough research of my credit reports and they did and stated that everything was accurate and then I did a thorough research myself and I found inaccuracies on my report even after they did their research. In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX Account NumberXXXX, XXXX Account Number:XXXX has violated my rights. 15U.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
Product: Bank account or service

A Draft from a XXXX bank made payable to my mother AND myself was deposited into a Bank of America checking account XXXX with only my mother and XXXX of my siblings, all in VA, as account holders. My name was NOT on the account. My mother who had XXXX XXXX and was non-functional for XXXX4 years prior to her death, died on XXXX XXXX, 2014, the check was deposited XXXX XXXX, 2014, 2 days after her death. I secured a copy of the processed check from the issuing bank as proof that it was deposited without neither my mother 's endorsement nor mine. I have tried for over a year to negotiate with my XXXX XXXX siblings to settle matters but finally I had to contract an ATTY to try to recover the funds but because the funds are in an account with only their names they are in control of distribution, leaving me without much recourse via my ATTY. If BoA had not accepted the draft without endorsement, I would not be in the present situation. According to my online legal research, there are many cases of similar instances, all indicating that a check made payable to parties using " AND '' should be signed by everybody named on the payee line. I went to XXXX different BoA branches in my area, XXXX, to try to obtain information but they stated they could not help because my name was not on the account in question. They did tell me the account was closed on XXXX. So now, I have no idea where my funds are. I contacted the XXXX XXXX XXXX questioning the legality of depositing a check under these circumstances, they did not directly reply but I did get a call from a BoA consumer advocate from the XXXX XXXX XXXX XXXX office who was assigned to investigate my question regarding the deposit. She stated she would call me back to obtain details to investigate the issue, but not hearing back from her I called several times in the past two weeks but had to leave her a voice message. My ATTY now has informed me that my XXXX XXXX siblings are distributing the money according to their decisions in the next week or so. I am contacting you in hopes that you can help me since this has been going on for over a year, I have tried the friendly familiar way, the ATTY way, working with BoA directly, and nothing is resolving the issue. The sibling involved in depositing the check has been in the banking industry for over 20 years, and has worked for BoA XXXX with friends in several BoA branches. He intentionally deposited the check while I was out of the country in XXXX. My complaint against BoA is that the check should have never been accepted for deposit without my endorsement, and they should now be liable to reimburse me the full amount of the original check, and maybe ATTY fees for all my stress and time for over a year. I believe some action is in order against all involved in the deposit of the check which appears to have been a " friendly '' transaction. Please call me if would like clarification or have questions.
Product: Checking or savings account

Hello Id like to file this complaint l I will attach my police report because I am truly disappointed in my dispute outcome with chime XXXX XXXX  my account number is XXXX i got my disputes denied and submitted a rebuttal just now they have denied it again Ive submitted it once again and reported them to the XXXX  .I have took pictures of the skimming device that was found at the store I used my card at I went back to the store and talked to the cashier they told me other customers complained so they checked the debit card machine and it was loaded with a skimming device. So there is many proof I was skimmed. The transactions I am submitting a rebuttal for happened on XX/XX/XXXX for {$140.00} and XX/XX/XXXX for {$320.00}. They were both atm withdrawals. I have All kinds of proof even pictures of the device used to skim my debit card. I told them I had the pictures i also told chime if this is not solved I will contact an attorney with all my proof. I told them I am very serious about this and will not accept to talk to another representative that tells me the same thing I want to speak to someone of higher authority that is going to actually help me with this. Ive also told them That once I get my money back I will be closing my account because this is the worst experience Ive ever had with a bank.. Id like something to be done here I am Extremely disappointed and in finiancial hardship due to this situation. Chime does not investigate disputes they just immediately deny them.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is still reporting one of my three student loans with XXXX as not current and 60 days past due both XXXX AND XXXX are reporting correctly. Someone needs to take a serious look into TransUnion none of their representatives are based in the United States and they do not understand the simple idea of student loans and how they work this is affecting my ability to qualify for my home loan and will cause me to not have a roof over my head please address ASAP!!