23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I bought a {$200.00} prepaid Master Card issued by U.S. Bank on XX/XX/2016. Before using the card in XX/XX/2016, I checked online to confirm the balance and saw that the card has been fraudulently used at XXXX 's on XX/XX/XXXX for {$190.00}. Since, the card has always been kept locked in my custody, I promptly called customer service on XX/XX/2016 and told them about this issue. 

The agent took my complaint and said that they will do a review. After about 15 days, I received a form which asked me to certify that the transactions disputed were not made by me. The letter said that filling up the affidavit ( form ) and sending it back was optional. However, to expedite the process, I filled it up and faxed it back to XXXX on XX/XX/2016 at XXXX AM XXXX. 

After patiently waiting for around 45 days, I called back on XX/XX/2016 to check the status of dispute. The agent said that they never received the affidavit back. This did n't make sense to me since I have a receipt of successful fax transmission to XXXX on XX/XX/<YYYY> Moreover, as per the language on the form, it was optional anyway. Since, the conversation was n't going anywhere, the agent suggested that she can resend the form to me and I can fill and send it back to them again. 

I received the form again in a few days which I faxed back to the required number very next day. 

Unfortunately, today, I received a letter from XXXX services dated XX/XX/2016 saying they ca n't help me with the disputed transaction since I reported it beyond the 120 day limit. 

I do n't agree how this issue has been handled due to following reasons : - I disputed transactions on XX/XX/2016 and XX/XX/XXXX ( again ) both of which fall in the 120 day window begin quoted by XXXX XXXX. 
- XXXX XXXX conveniently denied receiving my fax on XX/XX/XXXX even when I have a receipt showing it was successfully delivered. 

Hence, I strongly believe that XXXX XXXX. Bank are giving me a runaround for no fault of mine.
Product: Money transfer, virtual currency, or money service

I noticed an unauthorized money transfer on my bank statement from my Coinbase account. I logged on to verify and then contacted Coinbase on XX/XX/XXXX. They disabled my account while they investigated, I received an email on XX/XX/XXXX asking for follow up questions ( Case # XXXX ). Another on the same day saying that my request has been elevated. On XX/XX/XXXX, I received an automated notification that the case had been resolved and closed. I tried to login to my account but it was still disabled. I contacted Coinbase for help. After repeatedly trying to reach them on the customer service line and being disconnected, I submitted a new Case # XXXX- Disabled Account on XXXX. 
On XX/XX/XXXX, I received an email Case # XXXX stating that having investigated the issue, I am working with a specialist to address it properly. I was told I would get a follow-up with an update. The same email came again on XX/XX/XXXX. XX/XX/XXXX, I received an automated email with a different case number ( XXXX ) thanking me for contacting Coinbase and notifying me that they closed my case. I phoned and asked when I would have access to my account and was told that XX/XX/XXXX I would have access to my account. My account is still disabled. I have tried to call..I have tweeted..I left a callback number and was called back, I was asked to log in to XXXX by the support person, I did and then he disconnected me and never called back. I found a XXXX phone number for Coinbase I spoke to someone named XXXX XXXX, he told me that the only resolution was to close my account and the funds would be returned to my checking account but then began a XXXX message asking what other cryptocurrency accounts I have and requesting I send XXXX BTC to this account XXXX before XXXX XXXX tomorrow to have my funds credited to my bank account. He also told me the current amount in my account which I couldnt verify because I dont have access. I have all emails and screenshots of conversations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently disputed the following account with the credit bureau ( XXXX ) : XXXX XXXX   Acct : XXXX Balance : {$1400.00} The credit bureau subsequently removed this account from my credit file in XX/XX/2018. The account has reappeared on my credit file under XXXX XXXX. I do not have a contract with this company forging any financial obligation nor allowing them to report this debt to by credit. Per the law, all accounts must be validated and I must be notified before they are placed back on my credit file. I received no notification of this action or validation of this account after it had already been removed, nor do I owe a debt to this company.
Product: Credit reporting or other personal consumer reports

These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. thanks hard inquiry XXXX -- - XX/XX/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 EQUIFAX MORTGAGE SERVI XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute Regarding Incorrect Address on Credit Report Dear Consumer Financial Protection Bureau, I am writing to formally dispute inaccurate information appearing on my credit report. Specifically, the address listed on my credit report is erroneous. The incorrect address is as follows : Incorrect Address : XXXX XXXX XXXX XXXX, TX XXXX Incorrect Address : XXXX XXXX XXXX XXXX Tx XXXX Incorrect Address : XXXX XXXX XXXX XXXX XXXX This address is not associated with me or my credit history. I have never resided or conducted any financial transactions from this location. My correct and current address is : Correct Address : XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX I have already contacted the credit reporting agencies to rectify this error, but I am seeking your assistance in ensuring that this matter is resolved promptly. The inaccurate information could potentially adversely impact my creditworthiness and cause confusion in any financial transactions I may initiate.

Enclosed with this letter are copies of my identification documents ( e.g., drivers license, utility bill ) and a copy of my credit report with the erroneous address highlighted for your reference.

I kindly request that the CFPB initiate the necessary investigation and resolution of this error. Please provide me with an update on the actions taken to address this matter.

Thank you for your prompt attention to this matter. I eagerly anticipate your response and the timely resolution of this issue.
Product: Credit reporting or other personal consumer reports

SOMEONE OPENED XXXX XXXX FRAUDULENTLY IN MY NAME. I HAVE SUBMITTED AN FTC REPORT AND A LETTER FROM XXXX XXXX STATING THE ACCOUNT SHOULD BE REMOVED OFF OF MY CREDIT REPORT. EXPERIAN, XXXX AND XXXX SHOULD REMOVE THESE 4 ACCOUNTS OFF OF MY CREDIT. REFER TO THE FTC FOR ALL VARIATIONS OF THE ACCOUNTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX was suppose to remove over 13 inquiries from my credit report. Instead they added over 23 inquiries to my report that are unknown, and should n't appear. Specifically. XXXX XXXX with dates XX/XX/XXXX. XXXX XXXX with dates of XX/XX/XXXX XXXX XXXX was n't given permission to run my credit on XX/XX/XXXXXXXX XXXX XXXX for on XX/XX/XXXXunknown. XXXX onXX/XX/XXXX unknown. XXXX onXX/XX/XXXX and onXX/XX/XXXXwas n't given permission to run my credit. XXXX was n't given permission on XX/XX/XXXX
These inquiries appear on all three bureaus : XXXX XXXX, and Experian.
Please have these unauthorized inquiries removed immediately.
Product: Credit reporting or other personal consumer reports

XXXX and MOHELA are in violation of The Fair Credit Reporting Act ( FCRA ) my credit report has account that have been reappeared after being previously removed, making me a victim of an improper reinsertion of credit data. I understand that The Fair Credit Reporting Act ( FCRA ) prohibits credit reporting agencies from reinserting account information that was previously disputed and removed from a consumer 's credit report. The credit bureaus can not reinsert this information unless they receive a certification from the data furnisher ( MOHELA ) that the information is correct and then provides notice to the consumer that the information will be reinserted. This never happens.. I understand that : If the credit bureau reinserts without that certification or if the data furnisher lies in that certification, that it will a fraud MOHELA has continued to very to XXXX and XXXX that the account has a {$100000.00} balance even though Recent payment was {$100000.00} as of XXXX And MOHELA record shows {$0.00}. balance. 
Report NumberXXXX Date Generated XX/XX/XXXX Before After MOHELA/DEPT OF ED ________________________________________ Your information may have changed since XX/XX/XXXX View your current credit report Account info Account name MOHELA/DEPT OF ED Account numberXXXX Account type Education Responsibility Individual Date openedXXXX Status Paid, Closed/Never late. 
Status updated XX/XX/XXXX Balance updated- Recent payment {$100000.00} as of XX/XX/XXXX Monthly payment- Original balance {$100000.00} Highest balance Current / Terms met XXXX Closed Reappeared as : MOHELA/DEPT OF ED Balance details 0 % paid off Balance {$100000.00} Balance updated XX/XX/XXXX Original balance {$100000.00} Account info Account number XXXX Open/closed Open Date opened XXXX XXXX XXXX  Account type Education
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax broke the law. They did not have me permission or consent to furnish these reports, and have recently admitted to furnishing " millions '' of consumer 's reports inaccurately, and I, the natural person and consumer have been impacted. 

Pursuant to 15usc1681 ( a ) ( 3 ) Equifax assumed this role to furnish my information. Not only did they assume this role, but they didn't have my permission in the first place. Per 15usc1681 ( a ) ( 4 ) Equifax did NOT exercise their " grave responsibility ''. Equifax was unfair, partial, and did not respect my right to privacy. 

In accordance with 15usc1681b ( 2 ), I never instructed them to furnish this report, or create this report. I never consented to this report in the first place. 

I do NOT need an investigation, or reinvestigation. I provided the company with these laws 30 days ago, and was given a generic " validation '' of the below accounts. With recent news of the company 's erroneous acts of breach of privacy and consent, I'm demanding the items I have stated below be deleted from my account immediately.
Product: Checking or savings account

Dear CFPB i closed my account in XXXX with a XXXX balance..i just recieved a letter here in XXXX two months later and the bank is now requesting a closing fee of XXXX.please help me. Bank of the West XXXX CA
Product: Debt collection

Thomas Agency ha

s 3 items for collection on my credit report. All three are medical bills that should have been paid by insurance. I have had full coverage medical insurance my whole life and it pays for everything. These bills should not be there. I have been unable to make gains in my financial situation due to these errors, and my family has suffered as a result.

I disputed the collections and they are claiming that it is mine to pay, but it is not. I will continue to dispute it until they do what is right, and remove it from my report. 

XXXX XXXX  # XXXX
Product: Money transfer, virtual currency, or money service

I use a app called  XXXX . Where I can pay myself early then it comes out of my check when I get paid again.  X/XX/2017    I was paid. It 's my bank, Bank of America that is the issue. They are not sending  XXXX  my recent transactions. I have already sent  XXXX  my timesheet, that was yesterday  XX/XX/XXXX   . Once I send them my time sheet then they let me take out {$100.00}. But for some reason Bank of America is not sending them my information in a timely manner, which is causing delay for my money being put into my account.
Product: Credit card or prepaid card

I called Chase customer support in order to discuss payment options regarding 3 credit card account I have with them on or around XX/XX/2019. I was unemployed during this period and called to see if there were options to reduce my payments temporarily while I got back on my feet. 

At the time, I was less than 30 days late on my accounts, and we discussed a hardship program over the phone in which I would make 3 payments specified by Chase and then the account would be brought back current. We discussed payments that would work for me as I was returning to work that month, and the phone rep set up 3 payment withdrawals for each of my 3 accounts. This was an amount agreed upon with the phone representative, and the electronic withdrawals were set up by the Chase. 

3 months later, around mid XX/XX/2019, I come to find that they have been reporting my account late, and when I spoke to them, they said it was indeed a bank error after reviewing the phone call. I received a call a couple of days later from Chase saying they made a mistake again, and they were going back on their word that they had made an error. They said the late payments would stay. 

The phone representative never made any mention that I was not in fact enrolled in a hardship program. They never mentioned that the payments they had set up for me did not go towards bringing the account current. There was no indication that the payments were not in a sufficient amount to bring the account out of late status at any point. 

I now have 8 rolling 30 day lates and 1 60 day late reported on my credit report erroneously because the representatives at Chase failed to inform me of the negative impact that the payments THEY set up for me would cause. Had I been informed I needed to bring my account current or needed a higher monthly payment amount, I would have made different decisions. I called this creditor in a time of need asking for help, and they put me in a much worse position. 

These are unfair and deceptive practices from the collection department at Chase, and this is seriously hurting their customers in need. Instead of offering customers an honest path to bring their accounts current, they put them on a path that negatively impacts their credit scores, credit reports, and financial future for years to come. I urge that the CFPB please do something about this.
Product: Credit reporting, credit repair services, 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. 

XXXX. XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX. Sc XXXX XXXX Account # XXXX XXXX. XXXX XXXXXXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX. XXXX Account # XXXX has violated my rights. 
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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

How the  XXXX  do we allow these rental companies specifically in my case   XXXX   to put some mysterious hold charge on my checking account that takes the price of car for a week plus deposit which is subtracted from my account then magically disappears some days later when I return car and applies real charges how does chase allow this and where the  XXXX  is the traceability. This is total   XXXX   my account has overdrawn due to this incredible  XXXX  arrangement that chase and   XXXX   have. It 's the  21st  century how can a transaction disappear also why the  XXXX  does   XXXX   get to charge me right away but when car is returned actual billing takes days this kind on non real time arrangement sucks and should. Not be allowed
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update them immediately in my report : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon. This complaint is in regards to paperwork that was sent to all credit reporting agencies reflecting a XXXX balance on my XXXX XXXX XXXX XXXX XXXX XXXX credit card. This account was paid in full and XXXX XXXX XXXX XXXX sent over documentation to reflect. I am in the process of purchasing a home for my family and I and this is reflecting my approval. The balance is incorrect on my credit report.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information thats on my credit report that is a result of identity theft. I did not provide written information or instructions for the identified transactions to be report on my consumer report. I am requesting that the report of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of a dispute, particularly 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 adequately. 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 report 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 or other personal consumer reports

Subject : Complaint Regarding Inaccurate Late Payments on My Credit Report I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by { TransUnion Consumer Solutions }. I believe these late payments are erroneous and do not accurately reflect my payment history. 


Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements Account Number : XXXX XXXX XXXX The late payment in question is reported by TransUnion Consumer Solutions for the period of Late Payment Date XXXX I believe this information is incorrect and does not comply with the requirements outlined in the Truth in Lending Act ( TILA ), specifically section 1637 ( b ) of Title 15, which mandates that creditors provide accurate and complete information regarding the terms of credit, including payment history.

Furthermore, according to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2, furnishers of information must report accurate details. The late payment reported does not reflect my true payment history, and I request that you investigate this matter in accordance with 15 U.S. Code 1681i.