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

XXXX XXXX, 2023 : owned accounts between XXXX XXXX XXXX and American Express National Bank savings were linked for electronic transfers per XXXX XXXX XXXX XXXX XX/XX/2023 : {$1000.00} transferred to AMX from XXXX XXXX. Transaction credit never acknowledged by AMX. Trace ID provided by XXXX. XX/XX/2023 : Spoke with AMX on-line help to see why the deposit was not reflected in my savings acct. Spoke with XXXX XXXX on-line transfer help line to see why deposit to AMX was not made. Initial claim generated with XXXX XXXX XXXX XXXX. Claim # XXXX. XX/XX/2023 : XXXX XXXX closed claim per " miss-applied funds '' by AMX. XXXX went into my AMX savings account and transferred {$1000.00} back to XXXX account to close the claim. The original {$1000.00} transfer was never shown as a credit to my AMX. XX/XX/2023 : FDIC Case # XXXX filed on-line via the FDIC web site. XX/XX/2023 : Wrote a claim letter to AMX at their XXXX XXXX XXXX Claims office for the missing {$1000.00} electronic transfer deposit from XXXX XXXX. XX/XX/2023 : FDIC Case # XXXX was referred to : The Office of the Comptroller of the Currency - complaint completed on-line Case XXXX XXXX. XX/XX/2023 : received a dated letter from the OCC Consumer Assistance Group referring my case to : Consumer Financial Protection Bureau. XX/XX/2023 : completed a complaint on-line with Consumer Financial Bureau . 
Called CFPB, asking if I needed a second complaint for American Express National Bank, they were the receiving party to the attempted ACH transfer from XXXX XXXX. To date, I have received no updates to the American Express Dispute letter I sent them.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is as follows : - Creditor Name : XXXX XXXX XXXX XXXX XXXX Account Number : Unknown - Date of Charge Off : XX/XX/XXXX It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of first delinquency that led to the charge- off ( 15 U.S.C 1681 c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. Thank you for your prompt attention to this matter. 

Company Did NOT respond within 30 days. They reported their investigation was in progress as of XX/XX/XXXX, as of today, XX/XX/XXXX they have not responded.
Product: Checking or savings account

I received a text message from Chase on XXXX XXXXXX/XX/2024 stating they were needing more information on my account. When I called XXXX customer service around XXXX, the agent XXXX XXXX Chase XXXX XXXX informed me that they had closed my account without disclosing or providing me a valid reason to why they closed my account. They said that I would receive a letter in the mail but they are unable to still provide me a reason and I was unable to access my account with no notice. I went to the Chase Bank in person and a bank associate contacted Chase and I spoke with another Chase XXXX agent. Then I spoke with a supervisor of Chase XXXX XXXX and he stated that he is unable to provide me any information for the reason why my account was closed. They stated it is unfortunately irreversible. Its extremely frustrating and unfair to have my account closed without any notice. The Chase XXXX team did not provide any help for this matter.
Product: Credit card

A fraudulent charge was made to My TD credit card on XXXX XXXX and XX/XX/2023, for four airline tickets for the total amount of {$3.00}. 
I been disputing these charges since XXXX XXXX. T.D. respond is that they have reviewed the credit card dispute claim, and according to their investigation. They have determined that fraud did not occur. 
I paid the total amount regardless that I did not made this transaction, to prevent late charges. TD credit card has not provide me with any documentation of their investigation they said they did. I have disputed a few more times and T.D. respond has been the same. That they have determined that fraud did not occur. 
I appreciate if you can help with situation. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the attached document XXXX, Equifax, and XXXX are all three reporting different information on a public record on my credit report. I have asked them to verify this account as accurate, I have asked to have them delete the account because they have not been able to verify this public record as accurate. and I have asked you all to help me have them delete this public record because they refuse to follow the FCRA guidelines by providing and reporing accurate information. They keep saying this is being reported by XXXX XXXX, if that is true then why arent all three reports showing the same information, and why does XXXX XXXX say they have no record of this information in their record.
Product: Credit card

cEncountering an error suggesting a late payment on my account is unsettling, particularly because I have consistently adhered to payment deadlines. This inconsistency is generating unnecessary stress, and I implore you to swiftly rectify the situation by updating my records accordingly.
Product: Credit reporting

USA federal Credit was removed and reinserted as it 's reporting to the XXXX credit bureaus and negatively affecting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I had an auto financed through XXXX XXXX. My husband, unfortunately, had to file bankruptcy and we gave back the vehicle. It is my understanding that it was sold at auction and that the balance was reduced from $ XXXX to $ XXXX. 

The XXXX XXXX installment loan stopped reporting any updates to my credit report since XX/XX/2020 so it appears to be stuck at a rolling 60 day late. When we call XXXX XXXX the representatives tell us that I am going to receive a 1099 because the balance is being forgiven which I am fine with but I need the account to be updated on my credit report since XXXX  XXXX is saying I am not able to pay on it as there isn't a balance due by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

5. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 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: Debt collection

I reviewed my credit report and saw that there was a collections on my report from LVNV Funding LLC, with the original debt from XXXX  XXXX. This credit card was open by a fraudulent person and was not opened by me. My mail box was broken into and my mail was stolen numerous times. I do not have a XXXX  XXXX Card and I have never had a XXXX  XXXX Card. I have contacted the collections agency and they have not done anything to rectify the situation. This is not my debt and I would like this collections removed from all 3 credit reports.
Product: Debt collection

Representatives from this company called multiple people that were close to me trying to locate me to serve me legal papers. Contacted people that have nothing to do with the debt. Told me to be home so they can serve me the legal documents.
Product: Debt collection

I called credit collection management at XXXX. I gave my den my address and they couldnt find the account. I advise I dont have any medical bills owed. He told me to call all bureau and dispute if it not mine. This is not my bill please remove this account off my credit.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed there are a couple hard inquiries from a loan institution. I have never applied for a loan but my credit report reflects that I have multiple times. I reached out to the company and they told me to contact the credit bureau and file for identity theft.
Product: Prepaid card

I had two accounts with chime. I co8sed my XX/XX/XXXXaccount so they sent me a refund check with my balance of {$1500.00}. But I lost the check and asked for a replacement but never got it. Nor did they send me my money from my checking account that they closed once I started filing claims for unauthorized transactions. But they never sent me my money. Attached are the emails for the past year
Product: Credit reporting, credit repair services, or other personal consumer reports

Just found out tonight that I have a social security variation on my XXXX credit file. I called XXXX and asked for the name of the creditor supplying the social security variation. They told me is was a debt collection company called XXXX XXXX XXXX. Id like to state I have the right to have correct and accurate information on all of my credit files. The social security number XXXX XXXX XXXX is using under my name puts me at risk for having my files mixed with this other person. They are blatantly ignoring the FCRA law. This social security number does not identity me on this account. I demand for XXXX XXXX XXXX to correctly update my personal identification number with all three credit bureaus or delete the account. The social security number XXXX XXXX XXXX  is using in connection with this account does not identify me. They are reporting another individuals social security number under my name with all the credit reporting bureaus.
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 consumers rights to Privacy and confidentiality under 15 USC 1681. 



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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 



15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 section 604 A. Section 2 : it states a consumer reporting agency can not furnish a 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 items 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: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want those items deleted from my credit reports effective immediately : living address or previous address of XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Florida and XXXX XXXX XXXX XXXX  XXXX XXXX Florida, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX as well.These are the most recent. And there are various hospital bills that do not belong to me from The villages Florida from a while ago that was on there. I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts and inquiries from my credit report because my score has suffered greatly and it's still suffering because I am still getting inquiries that are not mine. 
In the year 2020 month of XX/XX/XXXX day, I began noticing inquiries that didn't belong to me and having to scour my credit report because of such inquiries that were not mine as well as charges or services that did not belong to me and improper information on my report that did not belong to me. And then later down the line after searching it all ring a bell, I must have been a victim of this credit breach and my information was and still is being sold and used wrongfully by criminals.
Product: Credit reporting or other personal consumer reports

I purchased a car prior to the Covid-19 pandemic, but during the pandemic, I faced financial difficulties and was unable to keep up with the payments. As a result, the financial institution attempted to repossess the car. However, the car had suffered significant mechanical issues and was vandalized while parked in XXXX XXXX XXXX, making repossession impossible. I proposed to the financial institution, JPMB, that they offer me a settlement amount so I could pay off the balance or allow me to make monthly payments. Unfortunately, they refused and insisted on payment of the full {$15000.00} owed on the vehicle, which I am unable to afford, and still unble to afford a XXXX time payment of XXXX plus. 

Eventually, they charged off the debt and reported it on my credit file as of XX/XX/XXXX. However, the charge-off actually occurred in XXXX when a XXXX was issued. According to consumer law, a charge-off is not considered a debt but rather income. 

I have made numerous attempts to negotiate with XXXXPMB, sending certified letters and making multiple phone calls, but they have disregarded my requests for a resolution. Theuy continue to report negative incorrect information on all the credit Bureau on me and refused to communicate or make it easy for me to enable me pay on the car because they want the full payment at once.
Product: Payday loan, title loan, personal loan, or advance loan

Attempted to change account address in order to access funds from loan due to issue with address not matching bank account address ( had just moved ). Account was locked due to suspicious activity XX/XX/XXXX. First called to try to regain account access XX/XX/XXXX, could not provide documents requested in initial email ( proof of address mail and photo of current ID ) due to having recently moved ( account address did not match actual address ). Attempted to explain this to customer service, received email with new list of instructions ( photo of ID, proof of address, photos of me holding ID showing both back and front ). Did not receive email back, called again XX/XX/XXXX. Received new list ( bank statement, credit card statement, utility bill, or government letter/document ) which I can not fulfill due to having just moved and utilities being in roommates name. Unwilling to send uncropped bank statement as it contains entire account number and email is not a secure method of communication as well as my account is connected to the service via an encrypted XXXX party app. Sent screenshot of address in banking app ( doesnt contain full account number ). Called again XX/XX/XXXX and was told must be bank statement, sent cropped version. Called again XX/XX/XXXX, was told it could not be a screenshot, was hung up on multiple times. Final call requested to speak directly to the department that handles these issues ( trust and security I believe ). Reiterated to person that initially answered phone that I understand this is not their fault, but this has been incredibly frustrating due to having a payment due on XX/XX/XXXX that I can not make unless my account is unlocked. Asked if I could just pay the loan amount and be done and was told no because the account is locked. Have not once received an email back about documentation and have had to call and ask each time to check on account status. XX/XX/XXXX had a MoneyLion WOW membership charge ( {$9.00} ) removed from my account ( required to obtain loan ) despite not having been able to access the service for approximately 1 month.
Product: Credit reporting or other personal consumer reports

TransUnion, XXXX XXXX XXXX has been reporting inaccurate information on my credit report that has negatively impacted my scores. I have submitted on numerous occasions supporting documentation to show the inaccurate information and have requested the removal of them to no avail. FCRA 605b section a states a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have furnished all supporting documents and they are still reporting the inaccurate information
Product: Student loan

My federal loans have been in repayment for over 10 years while working full-time as a public service employee for the XXXX. A PSLF form was submitted during the Limited Waiver Period before all deadlines had expired. Only 90 PSLF credits were granted and XXXX  payments were recognized prior to XXXX. Per the Limited Waiver when the loans were properly consolidated ( XX/XX/XXXX ) into a XXXX XXXX and then the PSLF form was submitted ( XX/XX/XXXX ), the XXXX XXXX in questions will have qualified for the loan forgiveness during the Limited Waiver period. This matter needs to be reviewed and attended to accordingly. Proof of payments can be provided again if needed. Federal Student Aid has the original PSLF form that was submitted prior to Limited Waiver deadlines which granted me the 90 PSLF credits. This was between XXXX, XXXX XXXX, and Mohela.
Product: Student loan

I've recently received notification from the XXXX on behalf of the US Dept of Education that my application of Total & Permanent XXXX has been approved and my loan is completely forgiven/discharged. The notification was also sent to MOHELA on XX/XX/XXXX for it to process the student loans from it's servicing so that XXXX  process the forgiveness/discharge of the student loans in the amount of {$140000.00}. With all of the confusion, administration back peddling, lawsuits filed by or on behalf of MOHELA challenging the student loan forgiveness programs, and recent CFPB announcement regarding the ill acts of loan servicers ; I would like MOHELA with this information to immediately zero out my loans, close the account, and report such to the credit bureaus as quickly and feasibly as possible. I filed a dispute with the 3 credit bureaus to expedite getting the inaccurate reporting off my credit reports ; MOHELA however verified that the $ XXXX balance was correct with at least one of the credit bureaus ; which is erroneous as of XX/XX/2022. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account with XXXX XXXX is reporting inaccurate information that I have disputed several times. The balance is reporting as {$830.00}. The past due balance is reporting as {$1100.00}. This information is not right. THERE IS NO WAY THE PAST DUE BALANCE IS MORE THAN THE BALANCE. I have already disputed this information and Equifax did not correct the information or delete the account. They allowed the company to verify this OBVIOUS inaccurate information as accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDOT BUREAS HABE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' EMVLP II LLC/FIS 28 POTENTIALLY NEGATIVE MONTHS Balance details 100 % paid off Balance {$0.00} Balance updated XX/XX/XXXX Original balance {$24000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto Loan Payment summary XXXX XXXX XXXX XXXX XXXX XXXX CO ND XXXX XXXX CO ND XXXX - XXXX CO ND XXXX XXXX CO XXXX - XXXX CO XXXX XXXX - XXXX CO XXXX XXXX - XXXX CO XXXX XXXX - XXXX CO XXXX XXXX - XXXX CO XXXX XXXX XXXX CO XXXX XXXX - XXXX CO XXXX XXXX XXXX CO CO XXXX PAYMENT HISTORY LEGEND Status Account charged off. {$2900.00} written off. 
Status updated XX/XX/XXXX Original balance {$24000.00} Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms 60 Months Company sold - Original creditor - Comments Purchased by another lender Your statement **CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Contact info Address XXXXXXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.