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

Hi CRA XXXX XXXX XXXXb Bank ; ***See attachments that for a civil judgment that was settled and I was promised and guaranteed that it was going to be removed or deleted from my credit report. ****** Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to receive a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-depth investigation? Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 

Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detailed information about the account and how you indeed investigated and your detailed process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent, and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of the consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to have the correct date of 1st delinquency accurately reported and disputed this several times. The results come back as reporting accurately from XXXX, although I keep providing the credit reports from the credit reporting agencies showing on their own report that the date of first delinquency reported is XX/XX/XXXX. 

This negative account should be removed from my credit reports on or before XX/XX/XXXX. 
XXXX reports that the date of first delinquency is XX/XX/XXXX, which adds years to the removal from my account which violates the FCRA timeframes. 

I would like this corrected so that the negative information will be removed per the FCRA timeframe in XXXX of XXXX. 

I am providing copies of the letters and a copy of an XXXX payment history report dated today, XX/XX/XXXX showing the late charge assessment on XX/XX/XXXX, which corroborates the actual late payment. 


I am also providing copies of each credit report showing the first reported late payment on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX continues to report inaccurate information on my credit report. I have attached documents showing that they stated that they have verified an inaccurate reporting of bankruptcy. I have requested their method of verification according to Fair Credit Reporting Act 611 ( a ) ( 6 ) and ( 7 ) from the original furnisher and XXXX XXXX   responded in writing that they contacted US Bankruptcy court in XXXX MS . This is invalid and inaccurate information and I have attached the letter from the US bankruptcy court as evidence that they do not supply any information to any of the credit bureaus. XXXX XXXX has refused to supply me with the name, address, telephone number of anyone from the US bankruptcy court in XXXX MS that they contacted.
Product: Checking or savings account

On XXXX XXXX XXXXXXXX  four unauthorized wire transfer withdrawals totaling {$18000.00} were completed from my checking account. On the evening of XX/XX/XXXX  when it was discovered that the account balance was negative, I notified Chase of the account breach and a fraud claim was filed ( claim # XXXX and XXXX XXXXXXXX ). All Chase accounts ( checking, savings, credit cards ) were put on restricted status. A police report was filed on XX/XX/ with the city of XXXX Police department. Preceding the wire transfers, a person claiming to be a Chase Fraud specialist contacted me regarding suspicious account activity. This person knew information about recent transactions and claimed that pending high value transactions had been flagged and wanted to confirm whether they were legitimate or fraudulent. I confirmed that these transactions were not authorized and should be blocked. After several similar calls with this person over a few days, he convinced me to install an application on my phone that would prevent further fraudulent transactions. I now believe the application was a remote desktop program. At no time before the unauthorized wire transfers did I believe this app would allow access to my Chase account, nor did I authorize access to the account. I have been a JPMorgan Chase customer for XXXX years. At no time prior to this incident have I had online banking access nor have I ever initiated wire transfers. My average monthly withdrawal amount from this account has always been several XXXX dollars, not XXXX XXXX XXXX Chase 's fraud detection system should have flagged these transactions because they were extreme anomalies in my long banking history. Chase erroneously facilitated the magnitude of this fraud by applying Overdraft Protection services to transfer {$12000.00} of funds from my savings account to the checking account to cover the wire transfers. Per Chase 's website, Overdraft Protection only covers " checks, automatic payments, and recurring payments ''. On XX/XX/ a sworn affidavit for " Unauthorized Signature or Forged Item Declaration '' was provided to Chase. On XX/XX/ a claim denial was received from Chase, stating that I did not take appropriate steps to protect the account from unauthorized use. On XX/XX/ we requested a detailed explanation for the claim denial and were told that no such report could be provided. Chase has not provided any proof that I created or authorized these wires. Chase failed to protect my account using reasonable account history based fraud detection applications. Chase also failed to secure my savings account by wrongly transferring funds to the checking account via Overdraft Protection.
Product: Credit card

Kindly see the attached documents. I am urging the bureau to commence an investigation into these accounts, as I am never late, yet they incorrectly reflect late payments.
Product: Payday loan, title loan, or personal loan

This loan was originally opened around XX/XX/XXXX. As with another payday loan I have been having problems with paying this loan twice month. On XX/XX/XXXX I withdrew their ACH authorization to withdraw funds from my checking account. I have had to close that account. The payment negotiations they have provided still have twice a month payments. According to my records I have paid {$1600.00} on a {$750.00} loan. I live in Virginia.
Product: Debt or credit management

Lexington Law charge me up front for credit repair in XXXX  There has been a class action lawsuit and I haven't received and check yet.
Product: Credit reporting or other personal consumer reports

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also, they aren't even in compliance with Metro 2 credit reporting. I have evidence to prove my case! 

XXXX : Account number : XXXX, My personal information was impacted by the XXXX XXXX XXXX XXXX Please BLOCK, DELETE, and REMOVE this item immediately from my consumer report. The company is in violation of 18 U.S. Code 1028A. Thank you! 

XXXX XXXX XXXX : Account number : XXXX, My personal information was impacted by the XXXX XXXX XXXX. Please BLOCK, DELETE, and REMOVE this item immediately from my consumer report. The company is in violation of 18 U.S. Code 1028A. Thank you! 

XXXX XXXX XXXX : Account number : XXXX, My personal information was impacted by the XXXX XXXX XXXX. Please BLOCK, DELETE, and REMOVE this item immediately from my consumer report. The company is in violation of 18 U.S. Code 1028A. Thank you!
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, especially in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims properly. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Not being able to access my Consumer File.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am seeking the deletion of erroneous and inaccurate information contained in my credit file. I submitted a formal written request to all 3 credit bureaus ( Experian, XXXX  and XXXX  ) on/around XX/XX/2020 and a second request was sent via certified mail on XX/XX/2020. 
In my letter sent and received by Experian, XXXX  and XXXX I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been more than 5 months from my first written request and more than 3 months since my second written request and I still have not received any responses. I am confident that by submitting this 3rd inquiry that I will finally receive a proper response from the credit bureaus to my concerns.
Product: Mortgage

To whom it may concern, I have been wrongfully charged with force placed insurance by Roundpoint Mortgage Servicing Corporation on loan # XXXX. I was XXXX overseas from XX/XX/XXXX until XX/XX/XXXX see attachment # 1, while this occurred. My insurance policy changed from an owner occupied policy # XXXX ( Attachment # 2 ), to a tenant occupied policy # XXXX ( Attachment # 3 ). You will see with the cancelation notice of policy # XXXX states the reason for cancellation as Coverage Replaced. The owner occupied policy was replaced by a tenant occupied policy dated for XXXX. A refund for policy # XXXX ( Attachment # 2 ) of approximately {$1200.00} from XXXX was sent back to Roundpoint and deposited XX/XX/XXXX. The tenant occupied policy # XXXX ( Attachment # 3 ) was sent to Roundpoint for payment on XX/XX/XXXX. It was incorrectly filed by Roundpoint Customer service department instead of being filed with Roundpoint Insurance department. The tenant policy was not paid for two reasons ; incorrectly filed by Roundpoint and the escrow balance not being sufficient due to the refund not being cashed until XX/XX/XXXX. 
At no point did I make any mistake or have lapse in coverage caused by me. Roundpoint claimed that certified letters were sent to my home, however my wife never signed for a certified letter nor could Rointpoint provide any tracking number or signature verifications for those letters when I asked for them. I asked why they didnt attempt to call my wife or email the account on file Roundpoint claimed it is illegal for them to do so, yet suggested that my wife should have been opening mail addressed to me. I reminded them that it is a federal offense to open mail not addressed to you.

I have called Roundpoint on multiple occasions and had this issue researched by them and they have all the documentation to show this is what happened yet they have refused to reimburse me the difference in the premiums due to their incompetence. The policy through XXXX was {$1300.00} and the forced placed policy was {$3400.00}. That is a {$2100.00} mistake that I have paid for because I was XXXX and Roundpoint made a mistake. The escrow account was closed out and I receive a refund of {$420.00}, all I would like is the remaining {$1700.00} which is the amount that I was overcharged with the force placed insurance. The last person I talked to was XXXX XXXX a Roundpoint Supervisor phone number XXXX XXXX XXXX XXXX. She sent this to her research department and although they see the mistake they will not reimburse me. 

Below is a list of dates and times I have called for help. 
XX/XX/XXXX at XXXX Spoke with XXXX XXXX # XXXX XX/XX/XXXX at XXXX Spoke with XXXX told to reference XXXX- I assume those are her initials XX/XX/XXXX at XXXX Spoke with XXXX Requested a supervisor call me back XX/XX/XXXX at XXXX Spoke to XXXX XXXX she told me Roundpoint will not reimburse me for their mistake. She also said she deals with this same issue consistently and she wants a new job.
Product: Credit card or prepaid card

American Express charged me for additional cards on my account. On XXXX XXXX, I attempted to access my account to set limits for one of my additional card holders so they could use their card, and was unable to do so. 

I called American Express and they were also unable to set a limit which would allow me to actually use the card. They are also refusing to issue a refund for the fee that they charged me.
Product: Credit reporting

Equifax is not responding to my requests to investigate items on my credit report that do not belong to me.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I checked my credit report for this first time and I discovered I had someone use my identity to get medical services in the state of Alabama and Texas. I have never in my life been to either state or lived there, went to school etc. I called them and said it was not me they say its nothing they can do because the debt is in my name. How is that possible? I filed a ID Theft Affidavit from the government website. Now they are saying Im still the one who did this but its impossible. I am only XXXX years old I live in Minnesota and Im about to graduate from college. I have no reason to not pay my medical bills because Im still insured under my parents. This bill is from XXXX XXXX XXXX
Product: Credit card or prepaid card

Hello on XXXX XX/XX/21 I had a closing balance of XXXX A payment was made of {$150.00} late. I emailed Lane Bryant community on XX/XX/21 requesting all late fees be removed as a one time courtesy. And email response was received on XX/XX/21 from a Sincerely, XXXX LateFeesWaiver internet customer care that all fees would be removed as a one time courtesy. However I received a statement for XX/XX/21 stating I now have a balance of {$32.00} regarding a late fee and finance charges of {$2.00} finance charges. 
A call was maid XX/XX/21 Per XXXX the supervisor I only qualified for one late fee reversal in a calendar year. And would not be adjusting the charges. 
I was charged a late fee in XXXX erroneously. The account balance was paid in full XX/XX/21. 
Please help resolve this fraudulent matter. 
Sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I mailed a formal dispute letter directly to Barclays Bank regarding an inaccurately reported account. 

In response, Barclays attempted to verify the disputed account by providing an unrelated JetBlue Card application. This application has no connection to the disputed account. Using documentation from a different product/account does not fulfill the requirement of a reasonable investigation under the Fair Credit Reporting Act ( FCRA ). 

Additionally, the account is being reported inconsistently and inaccurately across all three major credit reporting agencies : On XXXX, the account is reported as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
On XXXX the account is reported as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
On XXXX  the account is reported as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These inconsistencies in the reported account numbers are violations of XXXX XXXX data reporting standards, which require uniformity and accuracy across all consumer reporting agencies. 

Further inconsistencies include : XXXX XXXX XXXX report the account as Closed, while XXXX reports it as Open. 
XXXX  categorizes the account as a XXXX XXXX Credit Card, while XXXX XXXX XXXX categorize it as a Credit Card. 
The Date Opened differs : XXXX  reports XX/XX/XXXXXXXX XXXX reports XX/XX/XXXX. 

By continuing to furnish inaccurate and unverifiable information, Barclays is violating : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Failure to conduct a reasonable reinvestigation. 
15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide a valid Method of Verification ( MOV ). 
15 U.S.C. 1681s-2 ( b ) : Failure to correct or delete inaccurate information after notice. 
Metro 2 Compliance Standards : Furnishing inconsistent and inaccurate information. 

This inaccurate reporting is damaging my creditworthiness and continues to cause financial harm.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these accounts were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you.
Product: Checking or savings account

Overdraft fees and ATM fees were to much. I was over charged on several occasions for the same transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am name is XXXX XXXX and as I reviewed my recent report, I have found a lot of multiple erroneous information reporting on my Equifax Credit Report. I am not sure if you have conducted a thorough investigation for the multiple items stated below. Under FCRA,30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized : US DEPT ED XXXX Balance : {$0.00} XX/XX/XXXX DPT EDXXXX XXXX Balance : {$0.00} XX/XX/XXXX DPT EDXXXX XXXX Balance : {$0.00} XX/XX/XXXX US DEPT ED XXXX Balance : {$0.00} XX/XX/XXXX DPT EDXXXX XXXX Balance : {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XX/XX/XXXX XXXX XXXX  Bankruptcy Reference # : XXXX Balance : {$0.00}
Product: Checking or savings account

I have been a Capital One customer since I was old enough to have a bank account. They have always allowed me early access to my paychecks. I was supposed to be paid by Friday. I received an email from Capital One saying all issues should be resolved Thursday or at latest Friday morning. I still have not received my deposit of {$2100.00}. I tried to call to ask for an update and it said the wait time was over XXXX minutes. I should have received it Thursday and Monday is a holiday so I believe banks are closed so I will be Thursday, Friday, Saturday, Sunday, Monday, and possibly more days without my paycheck.