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

I never withdrew any money from those two checks that Chase cashed from my checking and saving account. I have more documents. I am not a trouble maker I want my money back. We are struggling financially. We have no car. We are walking to some places to get around XXXX TX.
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time transactions were authorized. However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees.

This issue appears consistent with recent findings by the CFBP, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these actions are deceptive and unfair.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies in my credit report related to the account XXXX XXXX ( Account No. XXXX ). As per my legal rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I request an immediate investigation and correction of the following errors : Incorrect Charge-Off Reporting : A 1099-C Cancellation of Debt Form, issued by XXXX XXXXXXXX and dated XX/XX/XXXX, confirms that {$2300.00} was canceled on XX/XX/XXXX. 
Despite this, the credit report continues to list the account as charged off and delinquent into XXXX, which is inaccurate. 
Balance Reporting Violation : The Experian report states the balance remains at {$2900.00}, which contradicts the 1099-C debt cancellation. 
Per IRS guidelines ( IRS Publication 4681 ) and FCRA 1681s-2 ( a ) ( 1 ) ( B ), a debt that has been canceled should not be reported as still owed. 
Continued Reporting of Delinquencies After Debt Cancellation : The account still shows " CO '' ( Charge-Off ) marks for XXXX and XXXX, even though the debt was discharged in XX/XX/XXXX. 
This violates FTC enforcement actions and case law, such as XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), which established that outdated or inaccurate negative information must be removed. 
Requested Action : Remove from credit report Ensure compliance with FCRA 1681s-2 ( a ) to maintain accurate reporting. 
Per 15 U.S.C. 1681i, you are required to investigate this dispute and respond within 30 days. Please provide written confirmation of the corrections made. If you fail to correct these errors, I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and state Attorney Generals office.
Product: Debt collection

My personal computer was stolen and all my information was on there. I just got the billing statements arrived today I have never been on this website. Contactinfo is XXXX XXXX XXXX
Product: Debt collection

I reached out to this company notified them that these accounts listed do not belong to me. 
I did not own a vehicle at that time I never applied for car insurance nor did I default on car insurance 5 to 6 times.

I contacted the company to provide proof that these accounts belong to me I instructed them provide investigation proof I demanded that my rights not be violated as they are being done by this company.

They have multiple listings for this company These reportings were never contacted by me from the car insurance company, the original applications formed to create these accounts, The proof that the car belonged or was financed by myself, they never did.

They sent ALL of this information to a credit reporting agency without accuracy, which is a violation of my Federal Rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE BANK OF AMERICA CARD THAT IS LISTED ON MY CREDIT REPORT IS " NOT '' MY CARD AT ALL. i AM NOT A AUTHORIZED USER ON THIS ACCOUNT AND HAVE REQUESTED IT TO BE REMOVED FROM ALL THREE CREDIT REPORTS. 
XXXX, XXXX AND XXXX. I TALKED TO THE BANK OF AMERICA AND THEY AGREED THAT I XXXX XXXX XXXX AM NOT ON THIS ACCOUNT, YET IT SHOWS UP ON MY ACCOUNT. I WANT THIS REMOVED IMMEDIATELY AS IT IS HURTING MY CREDIT SCORE. THE CREDIT ENDING IN XXXX FOR XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these accounts and Equifax refuse to remove them. I have submitted the required documents several times. XXXX and XXXX have removed these accounts months ago. 
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: Debt collection

I pulled my credit report and noticed that there are items that are not right. 
I saw these accounts on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX, XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( XXXX XXXX XXXX ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end 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 XXXX  days before the payment due date. 


( XXXX XXXX, XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX STATE OF MI XXXX XXXX XXXX Balance : {$5800.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$8900.00} XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several certified letters to Transunion requesting their method of verification. The company has failed to provide any of the proof I requested. I have asked that they perform an independent investigation of the accounts I have disputed and send a copy of the information that proves the information was verified by the original creditor. Transunion has not provided any method of investigation as I have requested on several occasions
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I deposited {$1500.00} from my back account in XXXX Florida with coinbase. 

Today is Saturday XXXX 2021 and my funds are not yet available to send. 

Coinbase has held my funds a full seven actual days. 

I am able to send a wire transfer to XXXX in less than 48 hours, but Coinbase who is in XXXX can not let me have my money after 7 days? 

Coinbase has caused me damage and I would like a repay,
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to refinance and I had to get off of forbearance so I can close. Flagstar bank put a negative credit on the credit report so I couldnt close. I have to get on forbearance do too COVID-19. I have a attachment stating what they did. Thanks, XXXX XXXX
Product: Bank account or service

I opened a checking account online with Popular Bank - during the process I linked the new account with my current account and in order to verify they made test deposits into my account but according to my bank they are pulling my funds as opposed to doing a test deposit.
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 {$2300.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO ACCOUNT 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$2300.00} -This is not my account.
Product: Credit card

First off, thank you for taking the time to read this letter. I'm writing because I noticed that my most recent credit report contains a series of late payments that's reported in XXXX for my old American Express account. I want you to know I completely understand my responsibility to make payments on time and pay off outstanding balances. 

My account was closed completely by the end of XXXX. If you look into my log in activity besides my most recent logins from this year, that last official login was XXXX of XXXX had a remaining balance of {$11.00} that I was never notified on. No mail was sent to me or any phone calls. I paid the balance on XX/XX/XXXX. I now have multiple negative marks for late payments on my credit report. If it wasn't for me never being notified for my balance I assure you I would have paid off the {$11.00} a long time ago.
Product: Checking or savings account

Subject : Urgent Complaint Regarding Unauthorized Transactions and Lack of Customer Support Dear CFPB, I am writing to express my deep concern and frustration regarding my recent experiences with Cash App, particularly regarding unauthorized transactions and the lack of supportive customer service. 

For an extended period, I have been a victim of scams that have resulted in unauthorized payments being taken from my account. Despite my efforts to resolve these issues through your platform, I have found it incredibly challenging to receive the necessary support. Unfortunately, the absence of live XXXX customer service has made it impossible to address these urgent matters promptly. 

I believe that as a customer, I deserve timely assistance, especially in situations where my finances and security are at stake. The ongoing lack of resolution to my issues has not only caused significant stress but has also made me feel as if Cash App feels entitled to these transactions due to my usage of the app. 

Given the alarming nature of these issues, I am seeking guidance on how to join the Cash App XXXX XXXX XXXX. I believe it is crucial to hold the company accountable for its practices and to seek adequate support for customers facing similar challenges. 

I appreciate your attention to this matter and hope for a swift response. 

Sincerely, XXXX XXXX XXXX $ XXXX
Product: Credit reporting or other personal consumer reports

Charge Off 's removal ( 15 U.S. Code 1601 ) Late Payments removal ( 15 U.S. Code 1666b ) Experian does not properly investigate disputes and fail to remove or correct errors on my credit report threatening consumers access to credit employment and housing. 
Experian continuously and uncritically accepts the original creditor response to the disputed information even when that response was improper-able and inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an error on my credit report with Experian and it has not been resolved. This has been disputed more than once and nothing has changed in my credit report. It continues to show the date error. The error on my report has " re aged '' an account that has a date of first default from XXXX XXXX, to show XXXX XXXX. There has been no activity on this account since XXXX XXXX. I filed bankruptcy in XXXX and this item has never shown up on any credit report, except XXXX yrs later, after the date of default XXXX XXXX. The collection agency for this debt does sent me letters periodically, which has the correct date of default and I have sent a copy of the letters to Experian, but they have refused to update this account. The account is listed on my credit report as XXXX XXXX and XXXX, and shows an outstanding balance of {$61000.00}, as of XXXX XXXX, XXXX, when I last pulled the credit reports. 

This is a clear violation of the fair credit reporting act and this account needs to be updated immediately, to show the correct date of default, XXXX XXXX. Essentially, it should not be showing on my credit report at all now.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I don't want this on my report, it hurts my credit history and it's not mine.
Product: Student loan

Firstmark Services is an unethical business that charges hidden fees and extorts money from their customers. They take out a huge " finder 's fee '' from the loan disbursement right off the bat. Also, if you go into deferment they add the balance to your principal without informing you. On a {$7500.00} loan, they added roughly {$6500.00} in " fees ''. As a very young college student desperate to finish school ( at XXXX XXXX college ), I naively decided to work with these people, and the Firstmark employees are the most incompetent people I have ever had the misfortune to communicate with. If you add up all my payments ( {$86.00} a month for ten years ) it more than finishes off the whole principal along with interest. No one at this " company '' has any idea what is going on, and when you call them out on their extremely unethical practices they can provide no explanation to why these hidden fees were not communicated. I am contacting my attorney and the XXXX regarding these unethical business practices.
Product: Checking or savings account

On XX/XX/2022 I opened a new " TD Beyond Checking " account with TD Bank. As per " Important Disclosures '' in the attached screenshot of the promotion, I've fulfilled all the terms - " 1Offer is available to new personal checking Customers who received a promotional mailing and who do not have an existing or prior personal checking account at TD Bank within the preceding 12 months and complete the required qualifying criteria. {$300.00} bonus offer available to eligible new personal checking Customers when opening a TD Beyond Checking account with cumulative direct deposit funds of {$2500.00} or more into the new checking account within 60 days of account opening. {$150.00} bonus available to eligible new personal checking Customers when opening a TD Convenience CheckingSM account with cumulative direct deposit funds of {$500.00} or more into the new checking account within 60 days of account opening. Qualifying direct deposits include your paycheck, pension, government benefits ( such as Social Security ), or other eligible regular monthly income from your employer or the government electronically deposited into your checking account. Person-to-person and bank transfers between your TD Bank accounts or accounts you have at other financial institutions or brokerages do not qualify. Once the offer criterion is met, the bonus will be credited to the new personal checking account no later than 140 days from account opening. Account must remain open, active, in good standing and in the same product type through the qualifying period to receive the bonus. If the checking account is closed by the Customer or TD Bank within 6 months after account opening, TD Bank does reserve the right to deduct the bonus amount from that account at closing. TD Bank may issue you an IRS Form 1099_MISC, or other appropriate forms reporting the value of the bonus. Offer may be withdrawn at any time and is subject to change. One bonus per account per Customer and can not be combined with any other offer. TD Bank employees and XXXX cross-border banking Customers are not eligible. '' With the 140 day deadline passing and TD Bank has not credited {$300.00} to my checking account, I've reached out to the bank. Bank has refused to credit my account, using post-fact justifications that are not present in the " Important disclosures ''.
Product: Credit reporting

Good Morning, I have disputed my pay history with both BMW Financial & all XXXX CRA 's. I 've asked BMW to correct their reporting of 30 day lates that are reporting on my credit. I 've included my pay history with BMW as you 'll see I have never been 30 days late. I have been 28 sometimes 29 days late but never 30 days. If you review the pay history in XXXX I have paid in the same fashion with no penalty to my credit history. My original due date was the the XXXX of each month, I leased the vehicle in XXXX/XXXX/XXXX as you can see from my pay history I have never had a payment post on the XXXX of any month. I had the payment date changed in XXXX of XXXX for the XXXX of each month, once again I never had a payment post on the XXXX. XXXX has me 30 days late on the XXXX & XXXX of the month when my payment would be 28 days late. Please review the documents thank you for help : - )
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that the information are erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX Balance : {$30000.00} ; XXXX XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to follow up the recent CFPB Complaint I submitted to TransUnion Credit reporting Agency regarding the removal of the disputed fraudulent account from my Credit File. TransUnion is reporting a deleted information from the other Credit Bureaus and TransUnion has no rights to continue the reporting of the disputed account without proper verification. Under the Fair Credit Reporting Act, TransUnion is required to report accurate information only and have the disputed fraudulent accounts and information deleted completely from my Credit File. It makes me wonder if the Credit Bureaus did the same actions and seek verification from the Creditors, how come TransUnion is the only one reporting these items? If TransUnion claims that the disputed items are verified, I previously requested TransUnion to send me copies of proof of verification and or proof of ownership which TransUnion have failed to do so. TransUnion is required to remove the disputed items completely from my Credit File : TRANSUNION : XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXXXX/XX/2022