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

I RECEIVED MY REINVESTIGATION BACK AND YOU STATED YOU COMPLETED A FAIR INVESTIGATION AND THESE ACCOUNTS ARE 100 % ACCURATE. BUT CAN YOU PLEASE TELL ME HOW DID YOU INVESTIGATE THESE ACCOUNTS? ACCORDING TO THE FAIR CREDIT REPORTING ACT 15 U.S CODE 1681A THIS IS HOW YOUR SUPPOSE TO INVESTIGATE MY CONSUMER REPORT. 

DID YOU COMPLETE A FAIR INVESTIGATION WITH CLOSE FRIENDS, FAMILY OR NEIGHBORS? 
AN CAN YOU PLEASE TELL ME HOW THIS INFORMATION IS ACCURATE. WHEN THE ACCOUNTS LISTED I AM NOT AWARE OF AN DOES NOT BELONG TO ME. 
THESE ACCOUNTS ARE FRAUDULENT AN SHOULD NOT BE REPORTED ON MY ACCOUNT. PLEASE REINVESTIGATE AN SEND OVER VERIFYING VALIDATE PROOF. 

WHAT TYPE OF PROOF TIES ME TO THE ACCOUNT? CONTRACTS ARE NOT VALIDATE ENOUGH. ANYONE COULD SIGN DOCUMENTS. 

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
Product: Checking or savings account

I opened up a highschool account for my daughter. 2 years ago it was changed to the regular checking account. I was not given any reminders when it changed over, as to am I still linked to her account. In XXXX my daughter started school at XXXX. She received an email through the school where someone offered her a job which turned out to be a scam. While the checks were pending my daughter asked that the checks be stopped by Chase who refused.

Chase decided that they were going to make the checks available in good faith, so by daughter dispersed the checks that was deposited into her account before she realized that it was a scam. My daughter and I contacted Chase about XXXX times concerning this issue. We were told that they were locking her account for 10 days to see if those checks or others were going to through. 
Also we were told that the if she didn't pay the {$2600.00} overdraft within that 10 days that they were going to close the account. The last conversation was on XX/XX/XXXX. I looked at my account on the XXXX and found that the money was taken out of my account without prior alert. First I feel like there should have been some type of letter to let me know that I was still connected. Secondly we were lied to about what was to happen with the account. Thirdly I think that it's fair that I get my money back and contact made to my daugter to make arrangements with her to pay the money. That money that was taken out was for home improvements that underway.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's " actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding.
Product: Credit card or prepaid card

On XX/XX/XXXX, I noticed XXXX trying to charge me {$160.00} dollars for a Payment Protection Plan. Upon calling them and having the fee removed, I also learned that they have been charging me this fee since I opened the account in XXXX even though I did not consent to have such fees applied to my account since I was still in college and could not afford much beyond the basic service. I can not access records beyond two years, but so far Discover has charged me {$2600.00} in Payment Protection fees dating back to XX/XX/XXXX. 
Upon further research, I also learned that Discover was ordered by a joint public enforcement action between CFPB and FDIC to reimburse {$200.00} XXXX to more than 3.5 million consumers back on XX/XX/XXXX. After speaking to a customer service representative, she said the best she could do was reimburse me for the past 6 months only. I find this to be a grave insult, and seek to be fully reimbursed for all fees paid.
Product: Credit card or prepaid card

XX/XX/2020 its XXXX $ And the for the merchant XXXX ( XXXX )
Product: Checking or savings account

In XXXX XXXX XXXX I received a " statement '' from someone either posing as Bank of America or Bank of America themselves saying I opened an account called " Your Adv SafeBalance Banking '' account. It said there was an opening bal of XXXX and an ending bal of XXXX. Then XXXX came and I received another notice from them with an opening bal of XXXX and an ending balance of XXXX. So, i still believed that this was a scam trying to get me to contact them a bit like the internet " click-bait '' scams going around. I did not call and I still have no intention of contacting them as I never opened this account to begin with. I received another " statement '' from them saying that now I owed them {$4.00}, and then another and yet another until now they say I owe them {$9.00}. Let me be very clear, I have never opened this account.
Product: Debt collection

Dear sir/madam I had a credit card account with CHASE BANK, Due to some personal issue I was unable to make my payment for some time but later in the year XXXX a collection agency sent me a letter on behalf CHASE BANK, The collection agency stated that they going to let me pay half of the credit card debt and also the account will be taken of my credit report. I paid the debt but until now CHASE BANK still have it on my credit report that I am still owing the debt. This XXXX XXXX as I tried to apply for credit card, there I found out that CHASE BANK still have it note on my credit report that I am still owing them debt I already paid. I attached a copy of the letter sent to me from CHASE BANK after I applied for a credit from chase this XXXX XXXX and a copy of the note on my credit report regarding the payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, XXXX XXXX made a soft inquiry on my Experian credit report without my authorization, permission and/or permissible purpose. I do not and have never had an account or any business with XXXX XXXX. Nor have I even given XXXX XXXX permission to obtain/pull my credit report in any manner, whether a hard or soft inquiry, XXXX XXXX had absolutely no permission nor authorization or permissible purporse to pull and/or obtain my credit report from XXXX or any other credit reporting agency/company. This is a clear violation of 15 U.S.Code 1681b and illegal.
Product: Debt collection

They called my roommate and shared my personal information regarding some debt which they refuse to confirm what is. They also put an issue on my credit report, tanking my credit. They have refused to verify the debt when I called.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2. XXXX XXXX XXXX Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer. The follorwing inquiries were made without my authorization : Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries were unauthorized and are negatively affecting my credit score. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit report. Collection Accounts : XXXX XXXX - XXXX XXXX XXXX XXXX XXXX Despite providing all the necessary documentation and complying with the required procedures, the credit reporting agencies have failed to remove the fraudulent items within the legal time frame. These errors have negatively impacted my credit score and have created undue hardship for me. I am seeking your assistance to ensure that these fraudulent items are permanently removed from my credit report and that the credit reporting agencies comply with the obligations set forth by the Fair Credit Reporting Act ( FCRA ). This description provides the CFPB with the details they need to address your dispute. Make sure to adjust the placeholder fields like dates and amounts to match your specific situation. Let me know if you need further modifications!
Product: Credit reporting

I am disturbed that equifax continues to list the dismissed bankruptcy as confirmed within my credit file past 7 years XXXX. Although it is there policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section XXXX relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. 
Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, they have no right to maintain information which the government has deemed nonexistent. 
Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed Case Description : Equifax refuses to remove 10 year old Chapter XXXX dismissed bankruptcy from credit report Desired Resolution : Delete Chapter XXXX Public Record from my Equifax credit report
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX I am submitting a formal dispute regarding late payment entries reported within the past two years on my credit file. These late payments resulted from unauthorized interference with my financial accounts due to a cybersecurity breach on my mobile device. As they are not a reflection of my financial behavior, I am requesting their immediate removal. 
Issue Summary : I unknowingly downloaded a VPN application on my mobile device. This VPN, intended for privacy protection, contained security vulnerabilities that allowed unauthorized users to access my device. As a result : Unknown third parties gained access to my financial login credentials. 
My automatic payment settings were altered without my knowledge. 
This interference led to the late payments that are now inaccurately reflected on my credit report. 
FCRA & Federal Violations Committed : Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting inaccurate or unverifiable data. Since these late payments resulted from unauthorized external interference, they are inaccurate and must be removed immediately. 
Additionally, under FCRA 1681i, I have the right to dispute any information that can not be fully substantiated. The late payments in question do not meet verification requirements due to the nature of the incident.

Furthermore, the Electronic Fund Transfer Act ( EFTA ) 15 U.S.C. 1693g ( a ) states that consumers can not be held liable for unauthorized electronic transactions. Since my account settings were tampered with, these late payments were not my responsibility and should not be attributed to me. 
Requested Resolution : I am requesting the following actions : Immediate removal of all late payments from the past two years that were impacted by this unauthorized interference. 
A written confirmation verifying that these late payments have been removed. 
A compliance review to ensure that my account information is reported accurately in accordance with federal regulations. 
If action is not taken to resolve this matter, I will have no choice but to pursue small claims court proceedings to ensure that my rights under FCRA and EFTA are upheld. However, I trust that in good faith, you will follow the law regardless, and I hope this will be resolved amicably. 
Please confirm resolution of this dispute at your earliest convenience.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX   XXXX  XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

In XX/XX/2021, Mid America mortgage increased my escrow amount from {$66.00} to {$600.00} per month ( see attachment ). At the time of this increase, there was already {$840.00} in escrow. My last years home owners insurance policy was only {$670.00} ( see attachment ). 

I believe the increase was excessive, and exceeds the federal maximum a lender can hold in escrow. Further, I was hung up on when attempting to discuss the matter with a Mid American mortgage representative.
Product: Debt collection

IQ DATA INTERNATIONAL IN XXXX XXXX XXXX XXXX, WA XXXX This company claiming I own debt to them which they never properly verified. I requested proper debt verification from them - but they never responded. They put a collection on my credit reports. This is fraud since they didn't verify it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I sent out a personal information letter to Equifax on XX/XX/2023. The letter gives my correct address and correct name. I also requested that any other names, addresses and employment information be removed from my consumer report.

I also stated 15 USC 1681 ( a ) ( 4 ) in reference to a consumers right to privacy as well.

It has been over 30 days since I've sent the letter and a new credit report was furnished by Equifax. The report was still not accurate and incorrect addresses are still being shown on my report. 

I sent a second letter on XX/XX/2023 to request for second time to ask that the incorrect addresses be removed. 
I also sent and arbitration Opt-Out letter as well on XX/XX/2023 XXXX
Product: Debt collection

Account with XXXX XXXX XXXX was not authorized by me was placed on credit report.
Product: Debt collection

On XX/XX/2023 I requested that Afterpay move my due date from XX/XX/XXXX to XX/XX/2023. I sent at least 10 requests. Reps asked me for order number and then never responded after that. 
XX/XX/XXXX XXXX I got no response. XX/XX/XXXX they tried to go in my account. 
I blocked it because I already requested a date change. I reached out to them. No response. 
I contacted them through complaints and a ticket number was created. 
Now they have blocked my account saying I can no longer shop. Saying they will add late fees. 
I'm not paying late fees because of their negligence.
Product: Checking or savings account

Brief : I was issued a check in my name from a project I completed in the amount of {$25000.00} even. 

I contacted Bank of America located on XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX # XXXX I informed this bank that I lease office space in the building next door, Ive been there for years. 

I requested that funds be made available for me to cash the check. 

I spoke with a manager and they stated would be able to accommodate.

When I arrived the next day with the check all forms of ID required XXXX XXXX. Lease documents proving my address etc. 

The XXXX manager brought check into back and then came out front and told me that they would not be able to cash the check and that I would have to contact the ppl that wrote the check to discuss. 

When I asked why she would not give me any answers as to why they could not cash the check. 

I contacted the check issuer and they verified check was good. 

I went to an another Bank of America ( XXXX XXXX XXXX XXXX and they cashed the check without problems without any weird discrepancies or difficulties other than the normal verification process. 

The bank in XXXX XXXX is discriminatory towards many because Ive had problems there before which Ill take to a district court on behalf of the people if it continues. 

XXXX time about a year or XXXX ago I put a check in my account at the XXXX XXXX and it was flagged for absolutely no reason other than Im from a different block and these preppy people discriminate against it. 

I wonder how many people they have done this to in the pastsht stops right now XXXX or Ill elevate it up the ranks dont ever judge a book by its cover. 

Im closing On the check in discussion, my Middle initial is typed XXXX. 
my IDs ( all forms of verification ) are spelled out. 
Even though it wasnt explained to me ( reason for not cashing ) I suspect it was the minor stipulation as to why it wasnt cashed.. 

which is wrong, discrimination because a human trained in the banking profession should be able to connect the dots and ( no pun intended ) but the XXXX punctuation after XXXX  stands for a abbreviation.so not cashing it because of that is wrong XXXX XXXX educate yourself. 

Again I was able to cash this check at another bank quickly without any problems. 

And Im going to continue to use this bank in XXXX XXXX and everytime they make a wrong move Imma bust them on it and then Ill build a case and class action you all for real no joke If you lie and say some weird stuff in response Imma get you on it Have a good day!
Product: Money transfer, virtual currency, or money service

I'm writing to express my concerns regarding Zelles handling of disputes, particularly in light of the recent cfpb lawsuit highlighting significant issues with the platform.despite using Zelle many times and reporting discrepancies zelle and my bank failed to investigate my claims adequately. I was informed that recovering lost funds was impossible Nd tracking these transactions is infeasible. Zelle has failed to protect consumers but allowed offenders to repeatedly exploit system leaving myself and others vulnerable to scams. This is unacceptable
Product: Credit reporting or other personal consumer reports

I have previously submitted numerous requests to your company to reassess the inquiries on my credit report, which I believe to be erroneous. Are you not obligated to conclude such investigations within XXXX days of receiving them? I am aware of instances where companies have accessed individuals ' credit without a legitimate purpose, and I have yet to receive any verification of such reasons from your organization. I have made attempts to reach each of the companies listed, and the majority have no record of me whatsoever. How can they claim a legitimate business purpose to access my credit if they are unaware of my existence? 

XXXX XXXX XXXX XXXX XX/XX/year>, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain hard inquiries that have appeared on my credit report obtained from your agency. After reviewing my credit report, I have identified the following hard inquiries that I know are inaccurate and should be removed : -- -- -TransUnion 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
Product: Credit reporting or other personal consumer reports

I am filing this complaint against TransUnion, XXXX, and XXXX for reporting incorrect information on my consumer report. The only employment information that should be reflected on my report is my employment with XXXX XXXX and The XXXX XXXX. Any other information that appears on my report is inaccurate and must be immediately deleted. 

Legal Basis : 1. Michigan Consumer Protection Act ( MCPA ), MCL XXXX et seq. 

Under the Michigan Consumer Protection Act ( MCL XXXX ), it is prohibited to : ( XXXX ) Fail to reveal a material fact, the omission of which tends to mislead or deceive the consumer, and which fact could not reasonably be known by the consumer. 

By reporting incorrect information on my consumer report TransUnion, XXXX, and XXXX are misleading and deceiving both consumers and third parties regarding my creditworthiness and personal information. 

2. Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq. 

The Fair Credit Reporting Act mandates the accuracy of consumer reports and sets forth the rights of consumers to dispute and correct inaccurate information. Relevant sections include : XXXX XXXX. XXXX ( a ) This section requires consumer reporting agencies to investigate disputed information in a consumers file. I have disputed the information on my consumer report, and the agencies have failed to correct or delete the incorrect entries. 
XXXX XXXX. XXXX ( b ) Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information. By including erroneous details on my report TransUnion, XXXX, and XXXX have violated this section. 

3. Michigan Collection Practices Act ( MCPA ), MCL XXXX et seq. 

Under the Michigan Collection Practices Act, it is unlawful to provide inaccurate or misleading information to a credit reporting agency : MCL XXXX ( XXXX ) Prohibits a person from furnishing false or misleading information concerning the creditworthiness, credit standing, or credit capacity of a consumer to a credit reporting agency. 

4. Federal Trade Commission Act ( FTC Act ), XXXX XXXX. XXXX ( a ) The Federal Trade Commission Act prohibits unfair or deceptive acts or practices in or affecting commerce. Reporting incorrect information on my consumer report constitutes an unfair and deceptive practice under this act.