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

On XXXX/XXXX/XXXX, I made out a check for the amount of {$92.00} to the XXXX XXXX XXXX Tax Collector for renewal of my Tag registration. On XX/XX/XXXX at about XXXX I discovered that my Chase Bank checking account had a withdrawal of {$9300.00} on XX/XX/XXXX and the check for that amount was the same check no. that I had made out to the XXXX XXXX XXXX XXXX collector. 
I notified Chase fraud Dept. immediately and was advised to also call the Chase claims dept. the very next day which I did. The claims dept. requested forms to be filed with necessary documents ie Police Report and XXXX report to begin their investigation. 

I later learnt that the check was washed and altered and made out to an unknown individual. It was deposited in a XXXX Bank in XXXX, Fl. I also learnt that the XXXX police detective had found a camera with a recording of an individual breaking into the XXXX mail box I had used on the same morning I dropped it in. 

The forms and requested documents were faxed to the claims dept. through chases local branch. I was advised that it would take 60 to 90 days or up to 120 days for a resolution and will be reimbursed. 

It's been over 180days with no resolution or reimbursement of my money. I have been diligent in calling the claims dept. and going to the local branch for their staff to call the claims dept. since it has been an ongoing frustration of missing documents or not receiving the faxed papers or received mail stating my case was closed and will re-open when requested documents are provided. 

On XX/XX/XXXX I called the claims dept. again for an update and once again informed that they did not receive documents. I reminded the representative that a 3rd fax was sent on XX/XX/XXXX from the local branch. I was placed on hold for a moment then was told that Chase is unable to do anything further and it was in the hands of the other bank and that there was a high probability that I will not be reimbursed. 

On XXXX I received a letter from Chase claims Dept. stating that they are working on my behalf with the other bank as XXXX is responsible for reimbursement and they will make a decision on my claim. It may take an additional 90 days or longer.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This is a formal complaint letter concerning inaccurate and discrepancies I have found in my credit report. I Have recently pulled my credit report having negative and inaccurate information has affected me trying to buy a house. I have disputed with XXXX and mailed all the companies disputes and validation letters of all my accounts, it has been 13 days since I mailed the request, and 3 Letters have been returned not deliverable addressed unable to forward. 
XXXX. XXXX XXXX XXXX - {$870.00} XXXX. U S Department of EDXXXX {$3300.00} XXXX. U S Department of EDXXXX {$4100.00} XXXX. ONEMAIN Accounts Charged Of {$12000.00}. Closed Account- {$8500.00}. Another Closed Account Paid but still in my credit report. 
XXXX XXXX XXXX XXXX XXXX {$580.00} XXXX. XXXX XXXX - Paid Closed Account XXXX. XXXX XXXX - Paid Closed Account XXXX. XXXX XXXX XXXX Paid Closed Account
Product: Checking or savings account

Previously I transferred about XXXX USD from my checking account to my credit card by mistake. XX/XX/XXXX, I called Bank of America ( XXXX ) to request a refund of this overpayment. The telephone agent helped me initiate an online refund to my checking account. And she told me that it will take 7-10 business days. Then I wait. Today ( XX/XX/XXXX ), I still haven't received the refund and the money still stays on my credit card balance, which is against the law : the creditor shall refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer - 12 C.F.R. 1026.11 ( 2024 ). 

I have already made a complaint on XX/XX/XXXX. BofA called me on XXXX XX/XX/XXXX, but I didn't answer the call because I was attending a course. After the course, I called her back, but there was no reply ( about XXXX ). And she still has not yet called me back until now! 

I don't understand why this is so hard to transfer my own money. Why it takes so long???!!! Over 7 business days, of course, even over 10 business days!!!!!
Product: Credit reporting or other personal consumer reports

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Dear CFPB, I received a copy of my XXXX and Equifax credit report, I noticed some late payments posted on my credit report. Ive contacted them directly, but they are choosing to ignore my request. The account is paid and closed. My request is for them to adhere to the law and correct important errors that has been negatively effecting my consumer report. 
XXXX  XXXX XXXX XXXX : Account number XXXX. 
XXXX XXXXXXXX XXXX XXXX is in clear violation of the law. USC 1681b-permissible purpose of consumer report, The law clearly states : ( a ) IN GENERAL ( b ) Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with written instructions of the consumer to whom it relates.

I never gave written instructions to furnish this information on my credit report!

Furthermore, the fair credit reporting ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from consumer credit report clearly states : ( 2 ) EXCLUSIONS- Except as provided in paragraph ( XXXX ), the term consumer report does not include- ( A ) Subject to section 1681s-3 0f this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer.

I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the 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 security and confidentiality of those customers nonpublic personal information.

" ( Furnisher of information tocredit agencies ) is a financial institution by definition under that title. 15 USC1681 section 604 a section 2 states that " In general Subject to subsection ( c ), anyconsumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of theconsumer to whom it relates. '' 
( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 

Any and all consent to XXXX, XXXX, ( XXXXrnisher ofinformation to credit agencies ) whether it be verbal, non-verbal, written, impliedor otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institutionmay not disclose nonpublic personal information to a nonaffiliated third partyunless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Neverinformed me of my right to exercise my nondisclosure option. Not only that 15USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the followingitems of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Payday loan

I took out a XXXX $ loan originaly with XXXX $ monthly payments that are due on the XXXX of the month from XXXX XXXX to XX/XX/XXXX.Now i access my online acct for spotloan it has me with owing XXXX $ and paying XXXX $ a month starting XXXX thru XX/XX/XXXX? How did my loan go from XXXX $ to XXXX $ and have n't made a payment yet?
Product: Debt collection

I was checking my credit report and saw this company LVNV FUNDING LLC as an account on my credit report I have no idea who these people are they just appeared and it looks like they have been on my credit report for over a year if they are a debt collector they had to open a new account in witch I never gave them authorization to do so they did this without an a agreement or signature from me this is identity theft. And this is why I am filing this report.
Product: Mortgage

LOANCARE COMPLAINT : I refinanced my home in beginning XX/XX/XXXX with XXXX. They subsequently sold my loan to XXXX effective XX/XX/XXXX. The first half of my XXXX mortgage payment went to XXXX, 2nd half went to XXXX, both were {$820.00}. 
Loancare took over servicing my loan effective XX/XX/XXXX, after XXXX filed for XXXX. 
Somewhere along the way Loancare determined that I was missing a payment, but I'm certain I am not. I have been making 2 payments in the prior month on the XXXX and XXXX, for the upcoming month 's mortgage. I can't count the number of times I've contacted them and explained this. Loancare has always removed late fees when I re-explain I make 2 payments in the prior month for the upcoming month 's mortgage, and they look at my account, but then within a month or two, they send me a Reminder Notice to pay my mortgage and there are more late fees and missing 1/2 payment. I have sent my bank statements repeatedly showing I have missed no payments. In early XXXX I had a conversation with them and the CSR pointed out that it looked like I missed a payment somewhere in XXXX of XXXX, but I haven't. I have a XX/XX/XXXX XXXX showing the 2 XXXX payments ( made in XXXX ) and there were no past due amounts. On XX/XX/XXXX I resent all my bank info again to them and they responded " The proof of payment provided is not sufficient. If further research needed please provide the transmittal form from your bill payer to further research your request. '' At this point I'm so tired of going through the same routine, I sent an extra payment on XX/XX/XXXX of {$800.00}, so for XX/XX/XXXX, they received XXXX {$800.00} payments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Today on XX/XX/XXXX, I received in the mail a Payment Reminder FOR XXXX, DATED XXXX, SHOWING I OWE THE FULL XXXX AMOUNT WITH MORE LATE FEES TOTALING {$250.00}. FOR OVER A YEAR I'VE BEEN DOING THE SAME THING WITH LOANCARE WITHOUT RESOLUTION.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : Collection : XXXX XXXX balance {$0.00} ; XXXX XXXX balance {$860.00} ; XXXX XXXXXXXX balance {$170.00} ; XXXX XXXXXXXX balance {$400.00} ; XXXX XXXX XXXX balance {$55.00} ; XXXX XXXX XXXXXXXX balance {$500.00} ; XXXX XXXX XXXXXXXX balance {$880.00}
Product: Credit reporting or other personal consumer reports

In XXXX XXXX 2024, I noticed that my credit score had dropped by over XXXX points, and an account on my credit report was listed as having a delinquent payment. I spoke with my credit union, and was notified that the payment had been reported as late, but the XXXX XXXX had made a mistake, because they had never notified me about it. I made the payment with them, and was told that it would be " fixed '', and they would send an update to all three credit bureaus ( XXXX, TransUnion, XXXX ). Twice now my score has rebounded, and the report was briefly removed, but appears to be resurfacing. I have a lengthy email conversation with my credit union where they have very clearly acknowledged that they do no consider my payment late, and that they " reapplied it to XXXX '' so that there would technically be no late payment at all on my record. I do not know what to do at this point, and I feel like I am stuck in limbo between the credit bureaus and XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX and I am submitting this complaint myself and no third party is involved. I recently discovered that there is unauthorized accounts in my name being used and reflecting on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit reports and should have been alerted to the information being authorized on my reports and I'm requesting that they be deleted/removed from my credit report as soon as possible. These items are fraudulent and having a crippling effect on my relationship with creditors. Please removes the disputed items as soon as possible. Thank you.
Product: Checking or savings account

XX/XX/2023 I attempted to open a chase checking account, but was not given any information why I could not open the account
Product: Credit card

I applied for and received a TD Bank credit card in XXXX 2014. The card promised unlimited cash back on grocery store spending for six months. When I tried to use the card for several XXXX purchases, they placed my account under review. When I called the fraud department, I verified all attempted and completed charges, paid my bill in full, so no fraud risk. My account has been under " review '' for 6 weeks now with no explanation and not released for use. I have called XXXX times and get no explanation or a call back to tell me what is exactly under review. I believe TD bank is employing this tactic to prohibit card holders from utilizing their advertised rewards program maliciously.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : 1. Validate Account XXXX XXXX XXXX XXXX 2. Validate Account XXXX Department Stores 3. Validate Account XXXX Department XXXX XXXX Account XXXX XXXX credit Validate Account 5. XXXX XXXX 6. Validate Account XXXX XXXX XXXX I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

My contact information is as follows : P.S. Please be aware that dependent upon your response, I may be detailing any potential issues withyour company via an online public press release, including documentation of any potential small claimsaction. 

Thank you for your time and help in this matter.
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill it's legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax, 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. These failures align with my experience, where Equifax has neither corrected nor 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 account, as Equifax 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX continues to violate my right to privacy by continuing to harass me by submit negative, harmful and detrimental information to the three credit reporting agency. This is continuing to be done because I asked them to validate a debt and they have not.They refuse to validate a debt and instead continue to attack my character thru unlawful reporting. Pursuant to Federal Law 15 USC 1692g their continuing to report harmful, character deeming information is against my rights as a Consumer. Furthermore, pursuant to 15 USC 1681 under the FDCPA I have a right to privacy. I did not give them permission to report anything to anyone. 
In addition, XXXX, Transunion, and XXXX continue to allow them to report and I did not give them permission either. I am the Consumer, I have a right to privacy. They can do as they wish to a citizen but NOT to a natural person, consumer, citizen of heaven.
Product: Credit reporting

Acct Closed on XXXX/XXXX/09 with XXXX card. Still showing on my Transunion report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have disputed with both Equifax and the collection company on the inaccuracies being reported on my report. I sent certified letters on XX/XX/2021 with no response to the company. XXXX XXXX XXXX  has violated my ( HIPAA ) rights as I have asked them to provide documentation of my written signature stating the release of any information or contract I have signed be provided to me. I am allowed to have my privacy PROCTED. I disputed on XX/XX/2021 with Equifax. See CERTIFIED LETTER .. Equifax has allowed this violation by continuing to validate and not verify this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have one Indigo credit card, issued by XXXX XXXX. However, the same account is showing up twice on my credit report, effecting my overall utilization. I reached out to Indigo customer service, but they said, they can not correct the error that I need to dispute it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion website at https : //www.transunion.com/ blocked me from logging in. So I called in and pressed 1, and asked for my username and password. A XXXX  woman issued me a temporary password and told me to wait 10 minutes. After waiting and attempting to log in the password did not work. I called back again and the same thing happened again. Someone with a thick accent gave me a temporary password and it did not work. They kept giving me passwords that did not work no matter what.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against Equifax Credit Bureau regarding inaccuracies in my personal information as reported in my credit report. 

Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is listed incorrectly on my credit report as XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. I request that my name be updated to reflect the correct information. 

2. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXXXXXX, FL, XXXX, but my credit report shows an outdated address as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL, XXXX. I request that my current address be updated accordingly. 

Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.