23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payments Dear CFPB, I am writing to formally dispute inaccurate late payment entries on my TransUnion credit file for my account with XXXX XXXX XXXX  ( # XXXX ). These reported late payments do not accurately reflect my payment history and, I believe, constitute a violation of my rights under federal law. 

Nature of the Complaint : Inaccurate Reporting of Late Payments : The late payments indicated in my TransUnion credit report are incorrect. As I have been consistently enrolled in autopay for this account, my payment history should reflect 100 % on-time payments. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccuracies on my report violate the FCRA, specifically 15 USC 1666 ( b ), which mandates accurate representation of consumer creditworthiness. Incorrectly listed late payments can have a detrimental effect on my credit score and misrepresent my reliability as a borrower.

Possible Violation of the Fair Debt Collection Practices Act ( FDCPA ) : False reporting of payment information may also violate the FDCPA, which protects consumers from deceptive and misleading representations related to their accounts.

Noncompliance with the Truth in Lending Act ( TILA ) : The inaccurate reporting of payment information further violates the TILA by failing to ensure the accuracy of reported credit information.

Additionally, the Fair Credit Reporting Act, sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, requires credit reporting agencies and information furnishers to ensure maximum possible accuracy in consumer reports.

Under articles 616 and 617 of the FCRA ( 15 U.S.C. 1681n and 1681o ), both willful and negligent noncompliance with these accuracy standards may result in civil liability, including compensation for actual damages, attorneys fees, and potential punitive damages.

Requested Resolution : I request an immediate and thorough investigation into these inaccuracies. I expect TransUnion to correct my credit file by removing all erroneous late payment entries for this account, accurately reflecting my commitment to timely payments.

Please confirm the correction of these entries in writing within 30 days of receiving this letter. Failure to resolve this matter within the given timeframe may result in further action to enforce my rights under the FCRA and other applicable consumer protection laws.

Attachments : I am including supporting documentation to substantiate my dispute, including personal identification, account status reports, payment records, and prior correspondence related to this matter. 
Thank you for addressing this matter with the urgency it deserves. I trust TransUnion will uphold its responsibility to ensure the accuracy of my credit report and correct these errors swiftly. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

First started XX/XX/XXXX and still being requested XX/XX/XXXX. Amount is {$530.00}. I disputed it multiple times on my credit report and wrote a letter as well as called.
Product: Checking or savings account

I have the chime app chime is XXXX XXXX on XXXX XXXX XXXX chime allowed 5 fraudellent charges all on a virtual debit card I have never used online one charge XXXX two separate charges one XXXX another XXXX another I dont recall amounts I think XXXX another XXXX I disputed all 5 I just googled I'm only responsible for a total of XXXX reported or not according to FCBA my pin number may have also been comprised I'm still responsible for only XXXX yet chime has taken XXXX from my acct I also see a bank has to give me a provisional credit while they investigate they have not within 10 days in on social security can't afford to lose XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 sec 602a says " There is a need to ensure consumer reporting agencies exercise their grave responsibilities with FAIRNESS, IMPARTIALITY, and a RESPECT for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies and I XXXX ; XXXX. I have a RIGHT to make sure my PRIVATE INFORMATION isn't shared which is evidenced at 15 USC 6801 that says " It is policy of the Congress that each Financial Institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the secuIrty and confidentiality of those customers ' non-public information. SPRING OAK CAPITAL LLC is a financial institution by definition under title 15 usc 1681 sec 604a ( 2 ) that says " In general Subject to subsection ( c ), and consumer reporting agency may furnish a consumer report under the following conditions and no other : in accordance with the written instructions of the consumer to whom it relates. SPRING OAK CAPITAL LLC the financial institution and the consumer reporting agencies XXXX and XXXX DO NOT HAVE MY CONSENT to furnish this information and they certainly DO NOT HAVE MY WRITTEN CONSENT. ANY CONSENT TO XXXX, XXXX, OR SPRING OAK CAPITAL LLC whether verbal, non-verbal, written, implied, or expressed IS REVOKED, RESCINDED, AND TERMINATED!! 15 USC 6802 ( b ) ( c ) says " A financial institution may not disclose nonpublic information to a nonaffiliate third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option '' SPRING OAK CAPITAL LLC never informed me of my RIGHT to exercise my nondisclosure option. 15 USC 1681C ( a ) ( 5 ) says Expect as authorized under subsection ( b ), no consumer reporting agency make any consumer report contain ANY of the following items of information ANY other ADVERSE items of information, other than records of convictions. ADVERSE means to prevent success.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a FTC report that has all of the inquiries listed. On Equifax there are over 76 inquiries that do not belong to me. On XXXX there are over 49
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts reporting on my report that do not belong to me. I have tried to get them to remove it but they will not. 

- XXXX XXXX - {$10000.00} - Opened XX/XX/2019 2019
Product: Money transfer, virtual currency, or money service

On XXXX XXXX I deposited a check for $ XXXX from XXXX XXXX XXXX into my TRUIST checking account ending in XXXX. I received a receipt from TRUIST with a notice of hold as follows : {$5300.00} held with an availability of XX/XX/XXXX. I only saw two large debits that were unrecognizable to me since I had not made such transactions. I did not do a screen shot, but I called TRUIST. I was on hold for over XXXX hours and the call dropped. I called again and was on hold for over an hour and was dropped. When I checked my account again later that day the transactions were gone. I still had not received the release of XXXX I tried to contact TRUIST for two more days and the long holds and being dropped continued. On, or about XXXX XXXX I notice an increase in my account but no indication was in the ledger showing the amount electronically deposited. 

I visited a local TRUIST branch on XXXX or XXXX XXXX and discovered that {$5500.00} had been deposited and could only be seen by the bank. It still had not registered in my online account ledger. We realized that it was {$220.00} short of the full {$5300.00} held amount. I was informed that it must have been deposited on XXXX XXXX. But we could not find it in the system or on my online account. I can not account for {$220.00} added into my account. 

The receipt also stated that on XX/XX/XXXX, I would receive from hold {$8400.00} which would be the remaining amount held from the $ XXXX. on XXXX XX/XX/XXXX I only received {$8000.00} and when I called TRUIST the technician could not assist me because she could not find in the system the whereabouts of the {$47000.00} that did not carry over from hold. 

I am still attempting to reach some one in my local branch without success. I am missing a total sum of {$700.00} that did not, and can not be found in the TRUIST system owed to me from when they held the initial $ XXXX.
Product: Checking or savings account

Hello, I recently had an account with capital one bank which was closed due to their decision not to continue the business relationship with me. However, i have tried numerous times to call them requesting my funds ( I have a little over {$280000.00} ) which they are not able to give me any details about receiving my funds. 

I believe this bank is stealing my money and not communicating with me in regards to my repeated requests to receive my funds. 

I would like this matter investigated and prosecuted to the full extent of the law for this bank to close my account and hold my money hostage.
Product: Money transfer, virtual currency, or money service

I am writing to formally file a complaint regarding an issue I encountered with Zelle and the restriction of my bank account. Specifically, I have experienced a situation where my bank account was restricted due to a payment I received via Zelle, which was flagged as suspicious, despite coming from a legitimate and reliable source. 

On [ date ], I received a payment through Zelle from [ Name of Sender or Description of Source ]. The payment was entirely legitimate, and I did not initiate any actions that would have violated any terms or conditions. However, shortly after receiving the funds, I was informed that my account had been restricted due to the payment being marked as suspicious. 

I immediately contacted Zelle for clarification, as I was unable to understand why this legitimate payment triggered such an issue. Unfortunately, the only response I received from Zelle was to advise me to contact my bank for further details regarding the situation. However, no clear guidance was provided on how to resolve the issue or prevent such occurrences in the future. 

I am deeply concerned by the lack of clarity and assistance provided by Zelle. Their response was unhelpful and left me in a difficult position where my access to my own funds was restricted without any apparent fault on my part. This has caused significant inconvenience, and I am seeking a resolution to both understand what went wrong and ensure that my account can be reinstated without further delays. 

I kindly request that the Consumer Financial Protection Bureau look into this matter and assist in holding Zelle accountable for the lack of support in handling my case. I would appreciate any guidance or intervention that can be provided to resolve this issue promptly.
Product: Credit card or prepaid card

On XX/XX/22 I was denied a credit card application from Amex XXXX XXXX. 

They said We are writing to let you know that, unfortunately, we can not approve your application at this time.
Product: Mortgage

On XX/XX/XXXX, we paid Amerisave Mortgage {$500.00} for an application/appraisal fee for a refinance of our home. At that time we were told that the {$500.00} was required to lock in the rate in at 2.5 %. We asked for written confirmation of that rate and were told to 'trust ' the loan originator. We did not receive the rate lock in writing.

For several days after the 10th I repeatedly called and emailed Amerisave asking for confirmation of the rate lock. I was given numerous excuses relating to their 'system '. I clearly told Amerisave that if they could not confirm the rate lock by XX/XX/XXXX in writing that I would dispute the {$500.00} charge on my credit card. They did not answer my calls or emails other than to say 'my boss will call you '. The boss never did return our call and on XX/XX/XXXX I wrote again, to Amerisave informing them that we would be taking our business elsewhere. 

They have not refunded the {$500.00} charge.
Product: Checking or savings account

XX/XX/XXXX I payed for a hotel stay at inn of the XXXX XXXX. {$160.00} for one night. We ended up having to clean the room ourselves. Just to bathe it took 4 hours of scrubbing with cleaning products I had to purchase cause I couldn't get help from desk. The whole room was ridden with unknown bodily fluids. I have pictures of it all. The hotel offered 50 percent refund which I declined wanting 100 %. Called chime Bank to dispute on XX/XX/XXXX. As per their own policy. In the 10th day if investigating is still happening I would be provided temporary provisional credit. It's now XXXX. N they are just not cooperating and the investigation is still ongoing. I want my money back. I need it. Make them play by the rules please. I've been very patient with them and it seems as if you cfpb are the only ones that make them fall in line. Please do your thing and help me out. Thank you Ps. The photos Are All before we cleaned. There's way more I can provide. It takes so long to upload one at a time. The cupboard looking pic is the shower room ... ..yukk
Product: Credit card or prepaid card

Someone applied for a credit using my name, information, and address. They were unable to open as I have a freeze on all three credit reporting agencies but I was told to still report the attempt to FTC. 

Elan FinancialXXXX said they did not have the resources to figure out who applied for credit under my name.
Product: Credit card or prepaid card

I have a Chase Sapphire Reserve credit card, and booked a flight using reward points through Chase 's travel portal ( the flight was a flight from XXXX-XXXX, booked on XX/XX/2019 and scheduled to depart on XX/XX/2019 XXXX. 

On XX/XX/2019, I received a notification by email from Chase notifying me the XXXX-XXXX flight had been cancelled by the airline. On XX/XX/XXXX, I received an email from Chase notifying me my options were to accept a schedule change for a flight that left several hours earlier, or take a refund. 

I called Chase on XX/XX/XXXX to request a refund, and received a confirmation email that same day telling me that I would receive a refund for XXXX points to my account. The agent I spoke to on the phone told me to expect the points to be deposited back into my account within 2-3 days. This phone call took 14 minutes. 

On XX/XX/2019, I had not received the refund, so I placed a phone call to Chase that lasted for 29 minutes as I was transferred between departments. I was told that the refund was going to be processed manually, and to expect the points to be deposited into my accounts within 72 hours. 

On XX/XX/2019, I had not received the refund. I placed a phone call to Chase that lasted for 57 minutes. A supervisor from within the travel department told me she wasn't sure why the refund didn't go through, but that she was processing a refund, and to expect the points to be deposited into my account within 72 hours. 

As of XX/XX/2019, I have still not received the points refunded into my account. 

By not getting the points refunded, I am unable to make new travel plans, which is causing me considerable inconvenience. I have now spent 100 minutes of phone time and 19 days trying to get the refund for a flight that was cancelled by the airline.
Product: Credit reporting or other personal consumer reports

FTC REPORT PERSONAL STATEMENT : I am filing this FTC Identity Theft Affidavit to report due to fraudulent accounts that show on my consumer FICO credit report which I do not recognize as reported and which result from identity theft and fraud. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. This is preventing me from being able to get approved for my home loan and I am in disbelief. 


CFPB PERSONAL STATEMENT : This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 
This fraudulent, inaccurate, and false information consists of a few Personal credit card accounts. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in fraudulent hard inquiries and collections appearing on my consumer FICO credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all previous consumer credit accounts, closed accounts, collections, and hard inquiries result from identity theft and fraud.
Product: Payday loan, title loan, or personal loan

This account was opened in XXXX of 2015 fraudulently. My identity was stolen and several accounts were opened in my name. I have filed with the FTC and a police report and have sent this to the company and they have ignored it. They have since sold it to Orions Management Group LLC and this company will not leave me alone. They keep calling me and harassing me and threatening me with civil lawsuit and judgement. When I told them the last time they called that this account was fraud due to identity theft they tried to blame it on my family and my husband. The account they claim was used is not mine. Orions have also put this on my credit report and this has hurt my credit. I also have told Orions that they broke the CROA law and that this has exceeded the Statue of Limitations for fraud and identity theft. I asked them to provide me with paperwork that has my actual signature on it and they told me they do not have it. They sent me paperwork via my email that was emails sent from a phone that was not mine.
Product: Debt collection

I didn't receive any debt verification they keep harassing me by calls and won't remove from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/22, but no answer was received. The account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If the credit bureaus do not authenticate the account, I will take legal action against them. Please abide with the law in order for this matter to be resolved promptly. 

XXXX XXXX XXXX XXXX  XXXX Balance : {$1500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and I have found the following items listed below to be in error. This account is listed late and a charge off and that is incorrect. The following accounts were never late and should be listed as PAID or PAID AS AGREED. 

Account Number : XXXX Company : JPMCB CARD Address : XXXX XXXX XXXX, XXXX, DE XXXX I was never late on XX/XX/XXXX. This account was not a charge off either. It incurred fraudulent charges that exceeded the credit limit allowed by Chase. I talked to Chase customer service about it and they told me to pay off the original amount which I did. They never told me it will be reported late or charged off during my conversation with them. The account was settled in full in XX/XX/XXXX. However, they continued to report it late and as charge off till XX/XX/XXXX. There are also inconsistencies in how it is reported to different credit agencies. For example on XXXX it says " late '' then says " XXXX XXXX '', then says " Negative ''. On XXXX it says " Charge Off '' which is incorrect since I paid it as agreed. On XXXX it says " Payment after charge off '' which is incorrect as well. This account NEVER went to collection and it was never charged off. I paid it off to Chase as agreed with their customer service agent. 

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

15 U.S.C 1681 section 602a states the Accuracy and fairness of credit reporting. I feel the account number above has been reported incorrectly across different credit agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was settled in full with XXXX XXXX XXXX onXX/XX/2020. The payment was made using a ACH via telephone. An agreement was emailed over and signed and was fax back to XXXX XXXX onXX/XX/2020. XXXX sent over a letter on XX/XX/2020 serving a final receipt. A lawsuit was filed with our local court was dismissed after payment. They advised that the credit report would be updated within 2 weeks. After the credit report was not update to reflect correctly a dispute was filed citing the incorrect balance information. Instead of XXXX XXXX XXXX reporting the correct information during the investigation they reported that we still owed the FULL balance of {$1300.00} on XX/XX/2020. XXXX XXXX XXXX and Scott & Associates knew that the account was settled and payment was made but decided to be deceitful and report knowingly incorrect information to the credit bureau instead of the correct information resulting in devastating 45 point decrease to my credit score. I have all the documents to provide this account was settled on XXXX, 2020 including the receipt, signed agreement, dismissal of the suit filed in the local court. and bank statement showing the payment was made. XXXX utilized Scott & Associates attorneys to resolved this matter XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX and XXXX XXXX reporting inquiries without written authorization, permissible purpose and personal initiation.
Product: Credit reporting, credit repair services, or other personal consumer reports

BBT continues to describe bills that they sent us to pay. We never rec 'd them until XXXX when they sent a letter describing that the the account was 2 months late. We immediately paid off the XXXX $ credit card, BBT refunded the late charges, but still reported us to the XXXX, XXXX  and XXXX. We had XXXX and XXXX credit scores and b/c of the {$24.00} reported to the all credit bureau 's our scores have dropped 100 points each starting a spiral effect of not being able to refinance our home. I have tried on mutiple occasions ( 4-5 calls into customer service, 2 calls and mutiple conversations with my personal banker at BBT and more than 3 internal complaints filed ) to resolve with BBT and not one single individual from their credit department will call me back. I have disputed the information on each credit bureau sites mutiple times. Each time BBT says that they did send me a bill. I never rec 'd a bill to pay. You may look at both my husband and my credit history and never find anything like this to happen before. I DID NOT receive a paper bill to pay despite the ones they say they sent. The credit card department told us that we had seleted paperless billing. We would just like this removed from our credit.