23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On the morning of Friday XX/XX/2024 I received a notification from Chase app that there was a transfer from our checking account to an account in a company called XXXX XXXX XXXX in the amount of {$49000.00}. 

I subsequently contacted Chase Customer Service line to report this unauthorized transfer. They told us that they will investigate and get back with us. We have since gone to two different Chase branches near hour house and called their Claims department numerous times. 

We received a credit in the amount of {$23000.00} on XX/XX/2024. We have been told since then that this is the amount they were able to recover and they don't know when/if the rest of our money will be credited back to your account. 

At this point 2 weeks after this incident, all Chase is telling us is that they are investigating this and no other detail is provided.
Product: Credit card or prepaid card

On XX/XX/XXXX, I made a purchase at a Lane Bryant XXXX while visiting XXXX. I had forgotten if I purchased by cash, debit card, or using my Lane Bryant Card. This was during the Pandemic and I had not received any statements. At the time of the purchase, I had a XXXX balance. I normally paid the Lane Bryant card biweekly, and I had previously overpaid the account by {$85.00} because I had automated my payments for many years. I had been a customer of Lane Bryant since XXXX. With a balance of ( - {$85.00} ), Comenity Bank began charging me late fees of {$35.00}. And resolving this dispute was problematic and they did NOT return all of the overpayment. But it became too much of an expense and a bother to get the last {$35.00} back. So I let the issue go and stopped using the card. 

During the Pandemic, there was a discrepancy with receiving mail. And I had been in and out of town often. I did not realize there was an issue with the bill until a collections representative called me, informing me the account was past due but still open. At that time, I explained the oversight. I sent the minimum payment due. I also sent payment in full for the items I purchased. I also explicitly let them know I did not receive my statement. When I finally received my statement in XXXX, I saw they had charged me {$220.00} late fees. I called Comenity Bank and requested to speak to a supervisor, disputing the late fees because ( 1 ) I had not received a statement ; ( 2 ) I have had a Lane Bryant store credit card for 15 years with a favorable payment history ; ( 3 ) their payment processing had been so poor the prior year they had charge me interest and late fees on a negative balance and still had NOT repaid me all of the money for that discrepancy. Despite having been treated this way, Comenity Bank refused to remove the late fees. I was peeved but I paid the balance in its entirety anyway. BUT THEN... Comenity Bank CLOSED my account that I had paid and repaid favorably for year, negatively impacting my credit score.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX I am requesting proof of written authorization to administer the ESTATE of XXXX XXXX. I am the True Executor. 
I sent a complaint via Certified Mail to American Express XXXX c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XX/XX/2024 and it arrived XXXX on XX/XX/2024 and was signed for by XXXX XXXX. Company has failed to reach out to me with an update. Amex should resort to reasonable procedures to rectify this affair immediately. I can be contacted by the email listed above. 

Best, XXXX XXXX XXXX All Inalienable Rights Reserved
Product: Credit reporting or other personal consumer reports

Dispute Of Inaccurate Reporting of Late Payment on my credit report relate to the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX 

Subject : Request for Incorrect Late Payments under the FCRA, specifically 15 USC 1681.

I am writing to dispute an incorrect late payment report on my credit report, specifically in regards to the accounts referenced with XXXX XXXX XXXX XXXX  # XXXX. 
Upon thorough review of my credit report, I have identified discrepancies in the reporting of these accounts. To the best of my knowledge and records, I have consistently paid these accounts on time and in accordance with the agreed-upon terms. 

Violation of the Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between myself and your company. Payment history, particularly late payments, negatively impacts my consumer report and constitutes a part of such transactions and experiences.

Additionally, under 15 U.S.C. 1666 ( b ), I request documentation of the reasonable procedures you have in place to ensure that periodic statements are mailed to me no later than 21 days before the payment due date. This documentation should include all information required by 15 U.S.C. 1637 ( b ) regarding the contents of such statements.

Reference to PAANL ( Paid As Agreed Never Late ) : The terms of our agreement have consistently been adhered to. Therefore, the account should be reported with a status of " Paid As Agreed Never Late '' to accurately reflect my timely payments. Any deviation from this status misrepresents my financial responsibility and commitment to fulfilling my payment obligations.

Request for Proof : To validate the reporting of late payments on these accounts, I request the following : Documented proof supporting the claims of late payments, including dates, amounts, and any relevant communication.

In the absence of valid proof, I demand that these accounts be promptly updated to reflect their accurate status as " Paid As Agreed Never Late. '' Request for Timely Investigation : In accordance with the ( FCRA ), I request a thorough investigation of this matter and a written response within 30 days of your receipt of this letter. Failure to adhere to this timeline will be considered a violation of the ( FCRA ).

Please treat this as a formal dispute under the ( FCRA ). If the inaccurate reporting is not corrected or a satisfactory resolution is not provided, I may escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or take legal action to ensure compliance.

Thank you for your prompt attention to this matter. Please confirm receipt of this letter and provide a written response with the results of your investigation. If you require additional information, I can be reached at XXXX Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) { Seventh Ave }. Making the report is NOT INCLUEDED on my Consumer report! A Late payment is a transactional history, My HISTORY with your company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. You have 10 calendar days to update my Transaction/Payment history and DELETE all late payments from the referenced account. YOU HAVE 10 CALENDER DAYS FROM THE RECEIPT OF THIS NOTICE TO DELETE TRANSACTION FROM MY CONSUMER REPORT AND SEND OUT A NOTICE THAT SAID TRANSACTION WAS IN FACT DELETED FROM MY CONSUMER REPORTS. Failure to respond satisfactorily with deletion of the above Transaction/Late Payments, will result in legal actions being taken against your company, for which I will also be seeking Actual Damages as a result of your failure to comply with the law and the sections of the Fair Credit Reporting Act for the following violations : Any Actual Damages Defamation of Character Negligent Non Compliance Civil Liability Mental Anguish Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested verification of this debt in which should follow the Sections 609 of the FCRA ACT.The company XXXX XXXX  did not send any verification. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several derogatory items appearing on my credit report. After reviewing my credit report, I believe these entries are inaccurate or require further verification. 
Please investigate these items and provide me with a response. Below are the details of the accounts in question : XXXX Accounts : XXXX. Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$580.00} XXXX. Account Name : XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$500.00} XXXX. Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$850.00} XXXX. Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$440.00} Hard Inquiries XXXX : XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX Inquiries Equifax : XXXX. XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I request that you conduct a full investigation and remove any inaccurate or unverifiable information from my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to an investigation within 30 days. Please send me the results of your investigation and any documentation that supports your findings
Product: Checking or savings account

Long story short I'm a victim of XXXX fraud during covid pandemic when I had no luck in reaching XXXX at the time I was told to call bank of America and file a dispute so I did around XXXXXXXX XXXX XXXX I filed two claims totaling over {$19000.00}. I was denied and have been denied several times since then I have submitted police reports and letters and documents from other bank Institutions that I had also filed claims with in the same time period that also were compromised, 3 other banks and a credit profile showing that I disputed a XXXX account that was in my name that was taken off my report all in the same time period surrounding COVID pandemic, I even proposed that it would be fair if a portion of my benefits were given back to me from transactions that are easier I guess to prove they were fraudulent but the lo.ger this goes on I feel like why should I settle at all for a less amount im the victim here and it was my money that was stolen why am I settling for way less I had proposed {$5000.00} or {$6000.00} opposed to over {$19000.00}. That were taken. The only reason I've been given is that they feel that my self or someone I authorized had done the transactions and that the debit card used at the time of transactions was the same address I had on file. Which is t true I immediately changed the address in the first phone call to bank of America. I also had confirmed they XXXX that never once did anyone at anytime as me ( alleged me ) verify my identity making all that much easier for someone to continue to take from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

LACING MY REPORT WITH FALS ENTRIES>illegal-FCRAXX/XX/XXXX 1. On XX/XX/XXXX, I received my XXXX XXXX   XXXX XXXX Report for my car insurance. I am doing a re-rate next month with XXXX XXXX XXXX XXXX. I do not have home insurance.

On XX/XX/XXXX, I called XXXX XXXX twice-to dispute the items on my Reported Claim History For RISK. Attached, is the item on page 1, in the middle of the page. ( car insurance ) On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ( fire and casualty ) for cause of loss WIND/C-amount paid {$3800.00} at the address of XXXX XXXX XXXX XXXX XXXX XXXX ( wrong address ), XXXX, AZ XXXX. False information-DELETE! -FCRA I disputed this- for my personal address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX . It is a mailbox at XXXX.

There is no space for wind damage in my tiny mailbox for {$3800.00} as I informed XXXX XXXX.

2. On page one, I disputed- at the top, " RECAP '' Risk 1 Claim Reported. Delete at once! Not mine. FCRA 3. On page 2, XXXX XXXX and EXPERIAN have NOT updated my payment information on XXXX XXXX report. FCRA XXXX XXXX ( last activity-XX/XX/XXXX ) I pay every month on time and its XX/XX/XXXX. That's 7 months of unrecorded monthly payments. FCRA Credit Acceptance ( last activityXX/XX/XXXX ). I pay every month on time and its XX/XX/XXXX. That's 6 months of unrecorded monthly payments. FCRA 3. On page 3, XXXX XXXX must remove " revolving accounts past due {$2900.00} ''. Remove entire entry for it is not mine and false information. FCRA Remove 18 entries for inquires on the same day- XX/XX/XXXX Remove 2 entries for XXXX XXXX XXXX XXXX on XX/XX/XXXX.

LACING MY XXXX XXXX and CREDIT REPORTS WITH FALSE ENTRIES -- VIOLATIONS-FCRA.
Product: Credit reporting or other personal consumer reports

This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Not only have you ignored my prior requests for validation of debt but you continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow the FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature As you may be aware, " XXXX XXXX XXXX '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. I expect to receive the proof requested above within 15 days of this letter. 
Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted.
Product: Debt collection

Subject : Request for Complete Deletion of My Consumer Report Due to Experian Data Breach To Whom It May Concern : I am writing to formally request the complete deletion of my consumer report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e ( b ). This request is made in light of the recent Experian data breach, which has exposed my personal information to unauthorized access and significantly compromised the accuracy, security, and reliability of the data Experian maintains.

Under 15 U.S. Code 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information in consumer reports. The breach represents a failure to uphold this obligation, as my sensitive information is now susceptible to misuse, fraud, and identity theft, undermining the integrity of the data Experian holds.

Given the severity of this situation, I am invoking my right to protect my consumer data and requesting the following actions : Immediate and complete deletion of my consumer report from Experian 's records to prevent further risks associated with the breach. 
Confirmation in writing that my consumer report has been deleted and that no further information about me will be maintained by Experian. 
An explanation of the steps Experian will take to prevent similar breaches in the future, as required under applicable data protection laws and FCRA provisions. 
Please treat this request with urgency and respond within XXXX  days, as required by law. Should you fail to comply, I am prepared to pursue legal remedies to protect my rights under the FCRA. 

Thank you for your prompt attention to this matter. I look forward to your response confirming that my consumer report has been deleted. 

Sincerely,
Product: Credit reporting or other personal consumer reports

15 USC 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information that resulted from an alleged identity theft. 
15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 
15 USC 1681b : A creditor may not treat a payment on a credit card account under an open end consumer credit as late for any purpose. 
I have not at any time GIVEN WRITTEN CONSENT to publish late payments, so therefore I can only assume that the credit reporting agency has allegedly stolen my identity. I have enclosed a filed affidavit with the FTC. I want these late payments removed, deleted, or changed to reflect paid as agreed on time, XXXX immediately or pay a {$1000.00} fine per violation. 
XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX
Product: Vehicle loan or lease

This is not my loan. I have the title to the vehicle they claim is being financed. I have spoke to the XXXX there is NO lien on my title. I did not create this loan. Capital one Auto finance has refused to take this off my credit.
Product: Debt collection

Disputed with company directly as well as with Credit bureaus Numerous times requesting validation AND verification of debt via certified mail and online disputes tool. Each came back verified with out proof even with an attached FTC report of Identity theft. It has been months and most recent request for verification is now past 30 days without the requested verification. I have also filed a FTC report due to this not being verified because these are not my debts. -SENEX SERVICES
Product: Credit reporting or other personal consumer reports

This has been discussed directly with the creditors and advised my personal information doesn't even match the account. But it is still listed on my report and just affect me from getting a home loan.
Product: Checking or savings account

In the begging of XX/XX/2022 my wallet and phone were stolen. I didn't have access to my bank account until I got a new phone. When I finally got access to my mobile app I reached out to the bank to dispute some charged from XXXX which were taken place in XXXX XXXX. I also seen that there was a very obvious fake check that someone had tried to deposit using my mobile app. I was never once notified by the bank that there was any suspicious activity on my account until I called myself to ask about the situation. I was passed around to over a dozen departments with no answers. I was in the process of moving into my new apartment as well and was unable to because my funds were frozen. It's now been over two months with no update on the fraud status which had been very draining and mentally exhausting for me to still be dealing with. I went into the US bank brand in XXXX XXXX XXXX to speak to a consultant on XX/XX/2022 at XXXX. He gave me a temp card for the account that was showing as Active since XX/XX/2022 ... I was never informed that the account was still " active ''. So the next day I tried to use the temp card and it declined.. leaving me with all the items I had ordered at dinner unpaid for.. Now I tried to speak to the branch manager and she was giving me no information about my own account. I will have to get my attorney involved if this matter isn't handled. I do not want to bank with US bank any longer. I want my last deposit from current employer released. There has been over 12 people I've spoken to and no one person has been able to help me. The consultant at the bank lied to me about a new account that was made for me on XX/XX/2022 when I reported the fraud. I will not stop until I get my money out of that account. The bank in XXXX XXXX XXXX has be very awful and rude towards me in every which way possible. I also received a letter in the mail with a picture of the fake check and a letter stating the account was going to be closed. I HAVE NO RECEIVED ANY FUNDS THAT ARE RIGHTFULLY MINE IN OVER TWO MONTHS NOW!!! THIS IS VERY UPSETTING AND MENTALLY DRAINING.
Product: Debt collection

I have been getting numerous calls to my work with threatening sounding messages being left on my voice mail. Also a family member has recieved phone calls with threatening sounding messages on their answering machine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed 2 hard inquiries on my credit report that I did not authorize. First inquiry is from PayPal XX/XX/XXXX. Second inquiry is from XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 Experian sent this message in a email about my dispute, " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. According to the federal Fair Credit Reporting Act, " '' if the completeness or accuracy of any item of information contained in a consumers file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' '' Therefore, you can dispute any inaccurate information directly with Experian for free. " ==== The dispute information I sent has a full blown copy of my ID and SSN card.=== I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits.=== My letters were created using software that is available to everyone.=== If you don't process my letters, you are violating 15 U.S. Code 5 1681i.=== Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available.=== This is not a legal exception, I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent.=== I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer.=== If you do not process all my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.===