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

XXXX of XXXX, XXXX XXXX XXXX  ( XXXX ) withdrew XXXX dollars from my account for no service provided as of yet. My email was spammed with phishing emails and no valid numbers or emails. These were to be credited back to account After an email was provided included invalid emails sent through a portal not controlled by XXXX. They did not credit my account instead they continued to keep withdrawin another XXXX dollars using my debit card without my authorization. I had to have a new debit card re-issued. This was a trial run using XXXX. 
A dispute was issued and monies were credited returned to my account by Navy Federal Credit Union ( NFCU ). 
Several request were made to have copies of merchant response sent to me so I could respond. This information was witheld from me to-date no merchant response received. This bought the attention of the dispute department and appeals or cco resolution. 
Navy Federal Credit Union allow theft of my funds from account through use of my debit card by XXXX. No proof was not shown that leads were valid and that an investigation insued for the return of my funds. Instead an email was sent they Will release funds merchant on XX/XX/XXXX. Even after I provide all the supporting documents in my favor and possession to NFCU XXXX RESOLUTION but they denied my dispute and denied my an appeal. As well as allowed someone named XXXX And XXXX XXXX to open a savings account using my address. After bringing this to accounting fraud department attention I got an email they were returning funds to XXXX. This put my account in the negative and I had 'to take from a personal joint account to cover my payroll to my XXXX XXXX. I will report this IRS to transparent about my business account. 
Also this XXXX was reported to Federal Trade Commission for deceptive trade practices and fraud emails phishing spamming and theft of my money using my debit card unauthorized during a trial period of less than 30 days and withdraw after account closure requested with 30 day period for Since opening my business account it has been pristine and well maintained and managed. {$560.00} and {$84.00} must be redeposited to my account because of unauthorized amounts. 
My account was cancelled within 30days due to poor customer service and failure to credit back account for invalid emails and unauthorized debit from my account.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Second Dispute of Inaccurate Late Payment Reporting for XXXX XXXX XXXX Account Dear CFPB, I am writing to formally dispute the inaccurate reporting of late payments on my credit report associated with the following account : Account Details : Account Name : XXXX XXXX XXXX  Account Number : XXXX High Balance : {$24000.00} Last Verified : XX/XX/XXXX ( TransUnion ) Date of Last Activity : XX/XX/XXXX ( TransUnion ) Date Reported : XX/XX/XXXX ( TransUnion ) Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Closed Date : XX/XX/XXXX Account Rating : Closed Account Description : Auto Loan Dispute Status : Account not disputed Creditor Type : Auto Financing Account Status : Closed Payment Status : Current Last Payment : XX/XX/XXXX Discrepancy Details : The late payments reported for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX are incorrect. According to my records and verified payment history, I made all payments on time during this period. These inaccuracies negatively impact my credit report and do not reflect my financial responsibility. 
Evidence Provided : To support this dispute, I have attached the following documentation : Screenshots of payment records from my online account showing that payments were made on time for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Copies of my previous dispute correspondence, demonstrating that this issue has been raised before but has yet to be resolved. 
Other relevant documents, such as account statements and communication with the creditor, confirming the accounts good standing during the disputed months. 
Legal Reference : As per the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), consumer reports must not contain inaccurate information. Additionally, section 15 USC 1666 ( b ) outlines the requirement for accurate and timely reporting of payments. 
Request for Investigation and Update : I kindly request that you : Investigate this account and update the payment history to reflect " Paid As Agreed Never Late '' for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Provide a detailed description of the investigation process, including procedures and evidence used to verify the accuracy of the reported late payments.

Timeline for Response : In accordance with the FCRA, I expect a written response to this dispute within 30 days. If verifiable proof of late payments can not be provided, I request that the inaccuracies be corrected immediately. 
Thank you for your prompt attention to this matter. I look forward to receiving your response and resolution. Please contact me directly if additional documentation is required. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Have been trying to get numerous errors of my consumer credit reporting file without success ; have written letters, phone calls etc issues still have n't been remain the account I have an issue with that are reporting on all 3 of my consumer files are Chapter XXXX Bankruptcy per new law that is reporting inaccurately and needs to be removed : XXXX XXXX XXXX Accounts that are reported included in a bankruptcy I did not file and does not belong to me are XXXX, XXXX, XXXX of XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX and XXXX XXXX these account are not mine, are reporting invalid I have not signed a contract with these companies no monies are owed and I would like these accounts, all inquires not attached to an account, and bankruptcy removed from all three of my credit reporting files immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Civil Liability A debt collector who fails to comply with any provision of the FDCPA is liable for Any actual damages sustained as a result of that failure Punitive damages as allowed by the court : In an individual action, up to {$1000.00} Inaclassaction, upto $ XXXX plaintiff and an award to be divided among all members of the class of an amount up to {$500000.00} or XXXX percent of the debt collectors net worth, whichever is less Costs and a reasonable attorneys fee in any such action In determining punitive damages, the court must consider the nature, frequency, and persistency of the violations and the extent to which they were intentional. In a class action, the court must also consider the resources of the debt collector and the number of persons adversely affected Play some in a severe hardship XXXX XXXX XXXX and Experian are refusing to remove or update the incorrect information that they have in file I need someone to help me I was unable to get My home refinance do you say incorrect information on my credit report I keep calling them and they state they going to remove it and he never did I have send XXXX letters No response
Product: Credit card or prepaid card

I got hired by XXXX XXXX XXXX to work for a client called XXXX, upon getting hired they gave me a payroll card from 'XXXX XXXX XXXX ' I only worked for them for 3 hours due to the fact that I thought it was not going to be a good fit for me. I received my wages like normal and decided to find another job. That same week i found another job and decided to use the payroll card to receive my direct deposit. To confirm I called 'XXXX XXXX XXXX ' to ask them if I could use this payroll card for a DIFFERENT employer, they said yes but that I must first upload my documents because apparently they had a different date of birth on file. So on XX/XX/2019 both my deposit went through like normal AND I also uploaded my documents which are A ( IL Driver 's License ) B ( Birth Certificate ). To confirm they had received them I called them on Monday, XX/XX/2019 they ( XXXX XXXX Customer service department ) stated they had not received any documents and that to give them a call back the following day. As XXXX was approaching I became anxious and so I immediately called them back on Tuesday the next day, they told me the same thing, no documents have been received. I was told to give them a call back on Thursday or re-upload my documents but I told them that is not a good option as their website XXXX already SHOULD have my documents and thats sensitive information to be putting out on the internet like that, exposing me to fraud. So essentially they have been unfair in my opinion and unprofessional because of the amount of time its taking and the promises they have made like gives us a call back tomorrow type of thing its getting annoying to deal with them when they keep telling me to just give them a call back and hopefully it gets resolved which it hasn't. My account is locked and without a date in which I can start to use it again. Also they refuse to close the account.
Product: Credit reporting

XXXX XXXX XXXX account # XXXX I did not sign up for XXXX in XXXX. This is inaccurate and most likely fraudulent activity. I did not have an account with them then. I do not owe XXXX anything neither do I owe this collection agency anything.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX CA XXXXUSBank Loan # XXXXThe short sale was started XXXX/XXXX/2015 with USBank. Today we were told, by an obviously new and clue-less employee of USBank, that borrower does not qualify for the HAFA relocation incentive " because they did not qualify for HAMP '' So ... .... If someone does not qualify for a loan mod they are ineligible for a relocation incentive???? 


***SERIOUSLY????????????????? 

What does one have to do with the other? 

The employee at USBank was unable to explain why or how USBank came to this decision. 

USBank is obviously understaffed and refuses to train their employees as to not only Federal Guidelines, but also the basics of todays mortgage industry - which includes HAMP and HAFA. 

Does USBank even know the difference between HAFA and HAMP? 


The absolute worst part of all this is that ON USBANK 's OWN WEBSITE it states on page XXXX in the paragraph titled " The Making Home Affordable Program '' : This program has XXXX different options for homeowners - one for loan modification ( HAMP ) and another for refinancing ( HARP ). If you do not qualify for these options, you may qualify for other foreclosure prevention alternatives ( HAFA ). 

It is obvious USBank is purposely not training their employees in an attempt to defraud their own clients, investors and the Federal Government. We already know they think they are bigger than the Federal Government. We have these isues on ALL our files with USBank. If the CFPB would like further information to aid in their next fine against USBank, please let us know. We have closed over XXXX short sales and would be able to provide substantive documentation from our detailed notes, emails, and documents in our short sale files.
Product: Credit reporting, credit repair services, or other personal consumer reports

Checking over my report today and I noticed some inquires Im not familiar with I tried numerous amount of times to get some information on it but its been passed 30 days and I have not gotten any response please remove this inaccurate information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Equifax XXXX-Equifax
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am filing a formal dispute regarding TransUnions mishandling of my prior disputes and their failure to comply with the requirements of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). The CFPB 's recent lawsuit highlights systemic issues with TransUnion XXXX handling of consumer disputes, which are directly relevant to my experience. 
I previously disputed the following information on my TransUnion 's credit report : XXXX XXXX account number XXXX Never late XXXX account XXXX XXXXXXXX XXXX  ACCOUNT NUMBER XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX NEVER LATE Despite submitting evidence to support my dispute, TransUnion failed to conduct a proper investigation. Specifically : 1. XXXX XXXX  : TransUnion failed to convey the full details and supporting documentation of my dispute to the data furnisher. Instead, they appear to have accepted the furnishers response without question, even though it contradicted the evidence I provided.

2. Failure to Provide Investigation Results : The response I received from TransUnion vague, confusing, and did not provide specific details of their investigation or evidence supporting their decision. 
Potential Improper Reinsertion of Inaccurate Information : I am concerned that TransUnion may have improperly reinserted information I previously disputed and believed to be corrected. 
TransUnions actions appear to violate the following : FCRA XXXXXXXX XXXX XXXX XXXX  : Failure to conduct reasonable investigations of disputed information. 
FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Improper reinsertion of previously deleted information without proper notice. 
CFPA Prohibitions : Engaging in unfair acts or practices by failing to ensure accurate investigations and providing misleading or ambiguous responses to consumers. 
1. Reinvestigate the Disputed Information : Conduct a proper and thorough investigation of the disputed account and provide detailed results of your findings.

2. Remove Inaccurate or Unverifiable Information : If TransUnion the furnisher can not verify the disputed account with evidence, delete it from my credit report immediately.

3. Provide Investigation Details : Share all documentation you used to verify the disputed account, including records from the data furnisher.

4. Ensure Compliance with the Law : Prevent improper reinsertion of any previously disputed or deleted information.

If TransUnion can not provide adequate documentation or results of a legitimate investigation, I will escalate this matter further by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action under the FCRA and CFPA. 
I look forward to receiving a response within 30 days, as required under the FCRA. 
Sincerely, XXXX XXXX
Product: Mortgage

Used credit without consent XXXX XXXX GMAC Residential XXXX XXXX XXXX mortgage XXXX, City of XXXX XXXX XXXX XXXX XXXX XXXX XXXX The amounts are XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GMAC Residential Holdings XXXX XXXX XXXX Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX BANXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XXXX XXXX, I purchased several round trip tickets for XXXX in XXXX for a wedding happening in XX/XX/XXXX. Because of covid-19 that flight was canceled and rescheduled for a later date. I soon found out thru XXXX news that XXXX was having employee strikes and in possible verge of filing bankruptcy. I advised my credit card company to the above mentioned and told them that i was not getting the service i purchased and that the airline was only willing to provide vouchers. I told the credit company that i was going to lose my money and they initially gave me credit and disputed with the airline whom in turn told them i purchased a non-refundable tickets. I explained that i did not cancel nor did deny to fly, the airline never provided the service and at the end the company filed XXXX and i lost the money and still paid my credit card. i believe if the credit card company would have taken my side this would have never happened. I feel that based on thier actions they should be the ones responsible for the loss. MasterCard thru Sams Club is the credit card issuer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I requested this credit reporting agency to remove several names and addresses on my credit report that I have never been associated with. They have removed some names however there are addresses still reporting on my credit report.
Product: Credit card

In XXXXXX/XX/2023 a fraudulent charge was made on my Apple Card ( Goldman Sachs Bank USA ) for {$660.00}. I have disputed this charge twice and both times they ruled that I made this purchase. Now they keep telling me I need to prove I didn't make this purchase. It looks like it was a money order sent to a XXXX XXXX in XXXX. I have never used a XXXX XXXX in my life.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023
Product: Debt collection

Dear Sir/Madam, I am writing to formally dispute an error on my TransUnion credit report, specifically account number XXXX, pertaining to XXXX XXXX XXXX. The account is incorrectly listed as open, and I demand its immediate deletion from my credit report. 
I request a thorough investigation into this matter and request evidence of the alleged debt, including : A copy of the original contract or agreement Proof of payment history Documentation of any communications or correspondence related to this account. 

I believe this error may be a result of false, deceptive, or misleading representations by the collector, in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Specifically : 15 U.S.C. 1681n : Unauthorized access to consumer reports 15 U.S.C. 1692e : Prohibition of false, deceptive, or misleading representations I urge you to take prompt action to correct this error and ensure the accuracy of my credit report. Please provide : A copy of the investigation results The official history of this debt Please respond within 30 days, as mandated by the FCRA. I look forward to a swift resolution.
Product: Credit reporting or other personal consumer reports

I saw in my bank app that there has been new hard credit inquiry done on my credit report by Bank of America. But when I called them they said that they are not seeing any new Application on their end. 
Then, I called XXXX about this and they mentioned that they are able to see the hard inquiry being done on my credit report. 
So, I want to raise this as an dispute and want to remove this inquiry from my report as this will impact my credit score and also this may be a case of my IDENTITY THEFT. 
Please help me on this matter.
Product: Credit reporting or other personal consumer reports

I'm concerned about an unfamiliar inquiry appearing on my credit report. I didnt authorize or give permission for this company to access my information nor have applied to them, and Im trying to understand how and why it happened. This situation is causing me significant stress and XXXX
Product: Debt collection

I've submitted two requests for the same paid off account with two credit reporting agencies and they have removed the collection. XXXX   wasn't contacted for some reason and they still have it listed and it's hurting my score. XXXX XXXX XXXX and XXXX XXXX # XXXX opened XX/XX/XXXX has been paid off since XX/XX/XXXXthe number listed on the report is XXXX. I pray that these agencies would and banks would just do there jobs. Your help will be greatly appreciated please!
Product: Debt collection

XXXX sold a debt in XXXX and a collection agency Creditor Name AMSHERCOLLECTIONSERVICES obtained debt claims account was opened XX/XX/XXXX and placed in collections XX/XX/XXXX for a XXXX Debt wasnt incurred by me and collection company has been harassing me via phone and letters claiming to seek a lawsuit.
Product: Checking or savings account

XXXX Account was placed on hold because checks that my daughter deposited one was for a loan payback and the other was for funds she thought she was helping a friend consolidate funds until she opened her own account turns out that both of these checks one in the amount of XXXX for the loan owed and XXXX turned out to be fictitious checks because she was not authorized to write checks on one her parents account. And the other check was also deemed to be fictitious, and so they were returned. We were told XXXX that the bank made the decision to close all of the checking accounts. Which they did not they left my account open. Even though there was no loss to the bank we have a verified balance of XXXX on the XXXX account this account has been on hold and funds have not yet been released back to us. Every time we call we are placed on hold or the account services department is closed. It has been well over 30 days. I have educated my daughter and consulted with the family that is involved. Now we want the account closed and her funds returned.
Product: Credit reporting or other personal consumer reports

Dear CFPB, Citizen 's Bank is not adhering to the protection order for credit reporting under the statute below, SEC, 4021 Credit Protection During Covid-19. ( I contacted their customer service on a recorded line on 9/1/2023 ; they seem not to know the Credit Protection allocated to individuals whom the COVID-19 pandemic has impacted. No delinquency can be reported to the following credit agencies until after my account 's XX/XX/XXXX due date. 


CITIZENS BANK XXXX XXXX XXXX XXXX CT XXXX Phone # : XXXX Account # : XXXX Date of communication : XX/XX/XXXX {$4700.00} Status before the Covid-19 Pandemic : NEVER /LATE Credit reporting We're required by the Fair Credit Reporting Act to report all account information accurately to the consumer reporting agencies. 

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 XXXX XXXX  XXXX, PA XXXX XXXX innovis.com SEC, XXXX Credit Protection During Covid-19. ( Please review the attachment - 120 days after the end of the Pandemic, all creditors must refrain from reporting delinquency or modifying terms up to 120 days after the end of the COVID-19 Pandemic. ) Please review the official start day of COVID-19 by the World Organization of Health ( XXXX XX/XX/XXXX ) Please check the official end day of COVID-19 by the CDC - ( the Covid-end date was XX/XX/XXXX ) Regards, XXXX XXXX XXXX XXXX