23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX - J.P. Morgan Chase closed all my credit card accounts and informs me that I would receive a letter stating their reasons for closure. At the time, I had XXXX Ultimate Rewards points. 

XX/XX/XXXX - I received the letter from Chase ( see attached ). On it, they state If you redeem rewards through Chase, you have at least 30 days to use them or youll lose them. 

XX/XX/XXXX - Attempted to transfer XXXX Ultimate Rewards to XXXX. Received confirmation number, but transfer does not occur. See attached confirmation screenshot. 

XX/XX/XXXX - Attempted second transfer of XXXX Ultimate Rewards to XXXX. Received confirmation number, but transfer does not occur. See attached confirmation screenshot. 

XX/XX/XXXX - Attempted third transfer of XXXX Ultimate Rewards to XXXX. Received confirmation number, but transfer does not occur. See attached confirmation screenshot. Additionally faxed my information to the J.P. Morgan Executive Office for review. 

XX/XX/XXXX - Executive office calls me and refuses to initiate transfer, despite terms stating I should be able to within 30 days of account closure. They cited bullet Before your rewards are used or transferred, you can lose them for program misuse, fraudulent activities, failure to pay, bankruptcy, or other reasons described in the terms of your rewards program. I asked the representative to inform me what term I actually violated to warrant their action and they refused to inform me, stating that they did not have to and simply recited the reasons for credit card account closure, which do not have any bearing on the ultimate rewards program. Additionally, as of today, XX/XX/XXXX, the rewards balance of XXXX remain in my account. See screenshot attached.
Product: Credit card

I applied for an American Express Gold Card and was accepted, the splash page of their website advertisement says nothing of the XXXX bonus points not being available if you 've had their gold card at any time in the past ( XX/XX/XXXX for me ). I 've also received a typed advertisement for their American Express Platinum Card and no where in this promotional advertisement ( that I can find ) does it state if you 've ever had their Platinum Card in the past ( XX/XX/XXXX for me ) are you not eligible for the XXXX bonus points that is part of the offer, and yet the American Express Customer Service representative, supervisor, and manager has explained that this would indeed be the case for their Platinum Card as well. 

I 've been duped and I do n't like it. This is false advertisement at best. This has caused me to acquire an unnecessary inquiry on my credit file. I quickly closed the Gold Card account that I was approved for, and will pay it in its entirety once I am billed. While the manager herself explained it 's one of the most challenging and difficult conversations to have with their customers and apologized, and also states this harms American Express ' brand, this does not make me whole. Removal of their inquiry and the account from my credit bureau is preferred, and {$250.00} or the functional equivalent. Conversations XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and manager call back XXXX XXXX, XXXX XXXX XXXX 15min 29sec.
Product: Checking or savings account

I was targetted by XXXX XXXX and the XXXX  employees at the XXXX XXXX XXXX wells fargo branches on XXXX XXXX and XXXX XXXX. My checking account after it had been just opened on XX/XX/XXXX was closed on XX/XX/XXXX. My original account which I had opened in XXXX was in positive nothing wrong with it until when I couldn't log into my online banking. Wells fargo was letting XXXX XXXX get away with messing with my checking account and private business. But all these people tell me that wells fargo has a right to close your account. Well I had my first account open a year and they didn't exericise their right to close it, until XXXX XXXX targetted me. She was not in the bank exept on the last day when my new account was open on XX/XX/XXXX, this was a set up by the bank employees, to have me drive back and forth constantly. The police showed up and they looked confused at me that I wasn't bothering XXXX XXXX. But wells fargo still violated my civil rights by siding with XXXX XXXX and wrongfully closed my checking account. This is harassing me calling the police messing in my checking account and making me drive to the bank. While the whole time they were going to close my new account anyways. Now wells fargo refuses to do anything to XXXX XXXX and the wrong she did to me by falsely accusing me of harassing her. Wells fargo is responsible for her actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX. States I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX  : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

IVE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME UNAUTHORIZED INQUIRIES STILL REPORTING IN EQUIFAX AND XXXX : EQUIFAX XXXX. The inquiry was not authorized CAPITALONE Date of inquiry : XX/XX/year> Please remove it from my credit report. 


XXXX XXXX. The inquiry was not authorized CAPITALONE Date of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Checking or savings account

I hope this letter finds you well. I am writing to bring to your attention a matter of urgent concern regarding my account with Navy Federal. 

On XX/XX/year>, my Navy Federal account was subject to fraudulent activity through XXXX. Upon discovering the unauthorized transactions, I took immediate action by contacting Navy Federal to report the incident. Your prompt assistance and support in addressing this issue were greatly appreciated, and I commend your team for their professionalism and responsiveness during this challenging time. 

However, I am now facing a situation where my account remains closed, presumably due to ongoing legal proceedings involving Navy Federal and the Equal Credit Opportunity Act ( ECOA ). While I understand the importance of compliance with all relevant laws and regulations, I respectfully request the reopening of my account. 

I assure you that I have always been a responsible and loyal member of Navy Federal, and I have never engaged in any activity that would jeopardize the integrity of my account or the reputation of the institution. I believe that I have demonstrated my commitment to Navy Federal over the years, and I sincerely hope that you will consider my request for the reinstatement of my account.

I am more than willing to provide any additional information or documentation that may be required to facilitate the reopening process. Please do not hesitate to contact me at your earliest convenience to discuss this matter further and to provide me with an update on the status of my account. 

Thank you for your attention to this matter. I look forward to a swift resolution and to continuing my banking relationship with Navy Federal.
Product: Vehicle loan or lease

Violation of Fair Credit Reporting Act ( FCRA ) Inaccurate and Unauthorized Reporting Account Information : Account Name : Ally Financial Account Number : XXXX Complaint Details : I am submitting this complaint to address the inaccurate and unauthorized reporting of late payments by Ally Financial on my credit report. Specifically, this issue violates the Fair Credit Reporting Act ( FCRA ), including but not limited to : Unauthorized Reporting : Ally Financial has reported late payment information without my explicit written permission, which contravenes 15 U.S. Code 1681b ( 2 ). I did not provide any written instructions or authorization, including a wet signature, for such information to be shared or reported. 

Inaccurate Reporting : The account in question is inaccurately reported across the three major credit bureaus : XXXX : Reflects a positive payment history. 
XXXX and XXXX : Report 90 days past due, which is factually incorrect. 
This inconsistency demonstrates non-compliance with Section 611 of the FCRA, which mandates the reporting of accurate information to ensure fairness and accuracy in consumer reports. 
Impact on Creditworthiness : This inaccurate and unauthorized information is severely impacting my ability to obtain credit. The false reporting of late payments is unjustly lowering my creditworthiness and causing undue harm. 

Requested Resolution : I respectfully request the CFPB to conduct an immediate and impartial investigation into this matter, including : Verification of whether Ally Financial has obtained my written permission for reporting this information, with documentation of my wet signature. 
Validation of the late payment entries and correction of any inaccuracies in compliance with the FCRA. 
Confirmation that all inaccurate and unauthorized entries are removed from my credit reports. 
A detailed written response outlining the investigation findings and any corrective measures taken. 
I trust that your agency will address this matter promptly to protect my consumer rights as guaranteed under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$100.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : {$450.00} XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$51.00} XXXX XXXXXXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$660.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$280.00} XXXX XXXXXXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00}
Product: Vehicle loan or lease

Upon reviewing my updates, incorrect information was found in my reports. The 3 Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : ALLY FINCL XXXX Balance : {$5200.00} ALLY FINCL XXXX Balance : {$36000.00}
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite taking Zelle numerous times and reporting discrepancies, my financial institutions and Zelle failed to investigate my claims adequately. They informed that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglect to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Account : XXXX  ( XXXX ) I am writing to formally dispute inaccuracies on my credit report which are in violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). In particular, these inaccuracies pertain to reported late payments that should be reversed to reflect " Paid as Agreed. '' Per 15 U.S.C. 1637b, credit reporting agencies and furnishers are obligated to ensure the accurate reporting of consumer credit information. The inaccuracies in question are clear violations of this statute, as the information being reported does not accurately reflect my payment history. 

I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) take immediate action to address this issue. The reported late payments must be promptly corrected to show " Paid as Agreed '' to ensure compliance with 15 U.S.C. 1637b and to protect my consumer rights. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card Credit Card XXXX XXXX XXXX Individual Individual Individual Account Status : Open Open Open Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX XXXX  XXXX : {$700.00} {$700.00} {$0.00} Credit Limit : {$500.00} {$500.00} {$500.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : - - Credit card Amount in XXXX  column is credit limit Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/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 DATE
Product: Credit reporting or other personal consumer reports

I was looking over my credit file and I found several account items the I do not recognize and inaccurate information as well. Under FCRA 623 AND 611 the following account are in violation of 605b XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I HAVE FILED A FTC ID Theft Affidavnt AND XXXX POLICE REPORT.
Product: Student loan

FEDLOAN servicing is refusing to respond after 3 months of waiting ... and continues to report and refuses to do anything but " SERVICE ME " when asked to simply provide validation they have responded with silence for 3 months but will not remove the item from report. I asked them to prove who they are, and they have not STOPPED sending me notices about how much I owe, and here I thought that the FDCPA and the FCRA say stop all collection until the dispute is finished??? HELP!!!!!!!!!!! I have been forced to place a fraud alert on my report and have contacted FTC ... I have recording of the treatment I suffered at their hands.
Product: Credit reporting, credit repair services, or other personal consumer reports

I write this in reference to the Fair Credit Reporting Act ( FCRA ) and believe my federally protected consumer rights ; specifically my right to privacy and confidentiality under 15 USC 1681, have been breached. The accounts involved in this violation are as follows : XXXX - Account number : XXXX XXXX  XXXX - Account number : XXXX XXXX XXXX XXXX - Account number : XXXX XXXX XXXX - Account number : XXXX XXXX XXXX XXXX XXXX - Account number : XXXX Section 602 ( A ) of 15 U.S.C 1681 safeguards my right to privacy. Additionally, Section 604 ( A ) ( 2 ) of the same code outlines that a consumer reporting agency may not provide account details without the written consent of the concerned consumer.

Section 1681c ( a ) ( 5 ) of 15 U.S.C mandates that a consumer reporting agency can not include any adverse information other than criminal conviction records that predate the report by over seven years.

As per 15 U.S.C 16 1681s-2 ( A ) ( 1 ), it is illegal for anyone to furnish consumer-related information to any consumer reporting agency if they are aware, or have justifiable reason to believe, that such information is inaccurate.

These inaccuracies are currently obstructing my ability to purchase a home for my family and are negatively impacting my financial prospects. I hereby request the immediate deletion of these inaccuracies from my credit report.

I anticipate your swift attention to rectify these inaccuracies, as this matter is crucial to my financial future.
Product: Debt collection

I have previosuly filed a dispute with this company XXXX XXXX XXXX they responded with the fact that although the account has reached the statue of limitations and that they can still report it on my credit report! but after reading my rights it is to my knowledge that is account is now a zombie account as it states on my credit file that the 1st delinquent occurred XX/2011 there for this should be deleted off all 3 credit agencies and stop being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I filed a chapter XXXX bankruptcy in 2019 in the XXXX District of California XXXX. 

XXXX XXXX XXXX was advised of this filing in writing and still refused to remove this information from our reports. 

By them doing so, has barred us from opening a checking account causing of to be unable to obtain our money and pay our bills.
Product: Credit reporting or other personal consumer reports

TransUnion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate and/or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. The failures align with my experience, where XXXX and TransUnion has neither corrected or removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as TransUnion 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX filling out this complaint on behalf of myself. AMERICAN HONDA FINANCE is furnishing information to non affiliated third parties and consumer reporting agencies after I opted out of the sharing of my non public personal information including transaction history. I sent them a notice via mail ( certified mail number XXXX XXXX XXXX XXXX XXXX XXXX ) that arrived XX/XX/2024 ( proof of mailing and copy of notice/letter attached below ). The Gramm leach bliley act states that if a consumer gives notice of an opt out request in writing the corporation must process that request within a reasonable time frame. It has been over XXXX  days and they have not complied with my request or sent me an updated report showing proof of opt out execution. Please remove that my account from being shared to any non affiliated third parties including consumer reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed accuracy of late payments Department of Education/ XXXX ( All 8 accounts ) on XX/XX/19. XXXX changed the dates the accounts were first reported, while XXXX  and Transunion updated the date of last activity. I received and will upload a copy of a letter from XXXX on XX/XX/XXXX stating that they would not update records as everything reported was accurate. This is willful noncompliance as you did not follow reasonable procedures to ensure accuracy, you are recklessly reporting inaccurate information, failed to investigate any errors, and caused further harm to my credit report and my credit score to decrease.
Product: Checking or savings account

This is the second complaint filed against citibank today The previous reference complaint number is XXXX This complaint is for another refund not credited to our bank debit card account On XX/XX/XXXX XXXX   XXXX credited our account in the amount of XXXX According to XXXX XXXX the credit was issued on XX/XX/XXXX at XXXX XXXX XXXX XXXX  said that we should have been issued the credit already I still have not received the credit and called Citibank but they again have said they have not received anything from XXXX XXXX Something is definitely going on with our account This is 2 refunds not being credited by citibank Please check into as soon as possible This is money that needs to be put back into our account and used for our bills
Product: Debt collection

Credit Collection Services bill for {$35.00} and they did not indicate if this is actual my bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank XXXX XXXX  XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Mortgage

I have had a contract on my property since XXXX XXXX 2017 and the bank has yet to consider the offer. They began by telling me that I have to go through the waterfall process and I understood that, I sent them over an opt out letter stating that I do not want to be considered for a loan modification, as I am XXXX XXXX and I do not know where I will be sent to next. Now they continue to harass me for bank statements that I have already provided and I am about to loose my buyer. Please help me to be able to get the short sale on my property done, as I do not know what is going to happen from day to day.
Product: Money transfer, virtual currency, or money service

My husband & I are in the final stages of closing escrow on a new home. We were waiting for the wiring instructions as this was a cash purchase. We received the wire instructions for our escrow agent as well as an email from our real estate agent asking us to confirm receipt of the wire instructions. We responded we had and wired the money that day according to the instructions. Both emails looked exactly like previous emails from both our realtor and escrow company so we were not suspicious. We wired funds on Wednesday, XX/XX/XXXX. On Friday I contacted the escrow company VP to complain that my agent was not returning calls and that we had not been given the signing date as promised. He informed me that they had not sent wire instructions and that our {$580000.00} had been sent to a fraudulent company. The escrow company reviewed everything we were sent and were amazed at how the fraudsters were able to clone their own documents. We contacted our bank and reported the fraud on Friday, XX/XX/XXXX. my banks fraud department contacted US Bank oXXXX XXXX, CA ( the receiving bank ) and requested a recall based on fraud. At this point XXXX Bank has not made the decision to return our funds.