23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX To Whom this my concern I the consumer has notice that you have a hard inquiry on my consumer report dated XX/XX/2020. PURSUANT TO 15USC1602 ( l ) - THE TERM CREDIT CARD MEANS ANY CARD, PLATE, COUPON BOOK OR OTHER CREDIT DEVICE EXISTING FOR THE PURPOSE OF OBTAINING MONEY, PROPERTY, LABOR, OR SERVICES ON CREDIT. Which means my ssn is indeed credit card. PURSUANT TO 15USC1602 ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.

Your company ran my credit card ( ssn ) without without my authority I was Obviously denied. But a inquiry on my consumer report means someone benefited from this unauthorized use of my credit card and I didnt receive any benefit from this transaction.

Pursuant to 28USC3002 ( 15 ) ( A ) ( B ) ( C ) - ( 15 ) United States means a Federal corporation ; an agency, department, commission, board, or other entity of the United States ; or an instrumentality of the United States.

WHICH MEANS EVERYTHING IS COMMERCE. SO, YOU HAVE COMMITTED FRAUD AND IDENTITY THEFT.

THIS COMPANY INFORMATION IS INCORRECT ON MY CONSUMER REPORT IT HAS ON BEHALF OF AMERICAN HOMES FOR RENT I DEMAND YOU REMOVE THESE INQUIRIES FROM MY CONSUMER REPORT. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX 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, Equifax '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 ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

these are the accounts that I have marked as inaccurate : Account number XXXX, Report number XXXX.
Product: Checking or savings account

On XX/XX/year>, while vacationing in XXXX, I utilized my Wells Fargo debit card to secure a flight from XXXX XXXX XXXX to XXXX XXXX XXXX , with the intention of indulging in snowboarding activities in XXXX. Regrettably, the flight was canceled by the airline due to adverse weather conditions, a fact confirmed through unequivocal email correspondence from the airline agency. 

Immediately following the cancellation, on XX/XX/year> ( XXXX time ), I diligently contacted Wells Fargo claims department, seeking assurance of a refund for the canceled flight. Despite explicit assurances from a claims specialist that no supporting documentation was requisite, I prudently provided email evidence for verification purposes. 

Subsequent to my proactive engagement, reiterated inquiries on XX/XX/year> ( XXXX time ) only served to reconfirm the unnecessary burden of providing supporting documentation, as per Wells Fargo 's representation. However, to my utter dismay, upon scrutinizing my account on XX/XX/year>, I was astounded to discover a provisional credit reversal of {$190.00}, coupled with two additional reversals of {$150.00} each on XX/XX/year>, effectuated without any prior notification or due process. 

Upon summoning the claims specialist on XX/XX/year>, the alarming revelation surfaced that these unwarranted reversals were purportedly linked to the initial reversal of {$490.00} on XX/XX/year> by Wells Fargo. Incontestably, I never embarked on the canceled flight, and my legitimate entitlement to reimbursement was irrevocably marred by language barriers impeding communication with the airline. It is evident that Wells Fargo 's reprehensible actions epitomize a calculated campaign of malicious business practices, infringing upon my rights and financial stability. 

Moreover, Wells Fargo 's egregious conduct constitutes clear violations of both state and federal statutes, including but not limited to : 1. **California Financial Code Section 17200** : Prohibiting unfair, unlawful, or fraudulent business acts or practices.

2. **Federal Reserve Regulation E ( 12 CFR Part 1005 ) ** : Mandating financial institutions to expeditiously investigate and redress errors reported by consumers concerning electronic fund transfers.

3. **California Business and Professions Code Section 17200 et seq. ** : Condemning unfair competition and unfair, deceptive, or misleading acts or practices. 
4. **California Civil Code Section 1750 et seq. ** : Outlining provisions related to consumer protection laws and remedies for unfair business practices.

5. **Consumer Financial Protection Act ( CFPA ) ( 12 U.S. Code Chapter 53 ) ** : Prohibiting unfair, deceptive, or abusive acts or practices by financial institutions.

6. **Truth in Savings Act ( 12 U.S. Code Chapter 12, Subchapter I ) ** : Ensuring clear and uniform disclosures regarding deposit accounts to consumers.

7. **Electronic Fund Transfer Act ( 15 U.S. Code Chapter 15 ) ** : Governing electronic fund transfers and providing consumer protection measures.
Product: Credit reporting or other personal consumer reports

XXXX 's XXXX XXXX XXXX is an esteemed credit union in the United States, unfortunately they are currently reporting on a ghost debt that was paid off in XXXX. This ghost debt is not only still on my credit report, but the company is now refusing to remove the negative marks and late payment history from my credit report or file for a recorded closed and paid off secured card, or tradeline as XXXX, the associate helping with the matter explained. Reporting on or trying to collect a ghost debt that is almost 7 years old is illegal and unlawful. The reporting of a ghost debt in the attempt to collect said ghost debt is illegal and unlawful and does not give creditors an accurate scope of my creditworthiness and instead muddies it up and I have to prove my merit to the creditor by disproving these vicious credit predators and their counterpart credit reporters! XXXX 's XXXX XXXX XXXX, XXXX, Trans Union and XXXX are all to blame on this ghost debt from XXXX still haunting my credit profile into XXXX.
Product: Mortgage

I initiated the process to recast my loan with Fay Servicing in XXXX, 2023. Fay charges a {$250.00} fee for recast. I paid the {$250.00} from my checking account which was successfully processed on XXXX2023 ( see attached image from my checking account ). Fay acknowledged receipt of the {$250.00} on XXXX/2023 ( see attached screen shot from Fay ). But now Fay is showing I owe {$250.00} in fees which are for this recast fee that was already paid.
Product: Credit card or prepaid card

We have been making extra payments to our American Express account prior to the due dates, and some of those payments were prior to the statement end date, thus triggering a late payment charge of {$39.00} on XX/XX/XXXX. 

My highly detail-oriented wife called American Express shortly thereafter to dispute the charge. The CSR agreed to remove the fee, and before the call ended my wife verified the penalty Annual Percentage Rate would not be imposed, the CSR agreed that it would not, but in fact they did raise it from 14 to 29 percent. 

She had to call back today, XX/XX/XXXX to resolve this AGAIN. In appreciation to my fellow worker, XXXX, employee # XXXX was helpful in getting the rate ( hopefully ) corrected. In our XXXX statement they charged us 29.24 % APR. The XXXX statement closes today, XX/XX/XXXX, so we may or may not be charged 29.24 % again, it will depend on how fast their system updates are processed. Obviously, we want the difference in the APR refunded for XXXX and possibly XXXX. However, my much larger concern and why I have spent two hours writing this, is how many other consumers has this happened to? By law, we can't be penalized for pre-payment on a bank or home loan, so how come a credit card company can? If in fact, it is legal, which would not surprise me. I think they need to disclose it in bold letters in the terms of agreement and make it a check box item, prior to enabling the submit button. It is like my wife said to XXXX on the phone call. No other credit card company we've ever done business with operates like this. I have been a American Express customer since XXXX and I'm looking forward to hearing, what, in all likelihood, their template letter response letter will say. 

In closing I would like to add my personal sentiments about " too big to fails '' in general. 

My stomach turns when I watch their commercials ... Please contact us if you are experiencing problems in paying your bill during this COVID-19 crisis. Thank XXXX, I have not had to that yet. I am pretty sure they will use it as an opportunity to help themselves out, not the other way around. 

I recall in late XXXX on his way out of office, George HW Bush attempted to help us " regular folk '' out, proposing credit card companies lower their rates. How do you think that went over? What a RINO, right? 

We can not know, thanks Justices! How much money the financial companies ( who manufacturer nothing except financial instruments ) send to Congress so they will sit their old duffs on their hands, raise their necks up like a turkeys, look around in a circle, and pronounce, incredulously, I don't see nothing wrong here Ma. My guess is it's a lot less than the credit card companies power vac in from we the XXXX & XXXX XXXX XXXX interest payments. What a billionaire 's bargain, baby! I truly thank XXXX that your agency still exists, I know many in Congress want to kill it off, including the president and the secretary of treasury. Double-speak is definitely alive and well in XXXXXXXX XXXX America circa XXXX.
Product: Debt collection

A greater payment rate was demanded due to too frequent payment in a billing cycle resulting in misallocation to principal instead of allocation to both interest and principal ( despite precedence ). See dates, amounts, and actions attached.
Product: Debt collection

1. My first request was On XX/XX/XXXX ( I requested from XXXX XXXX XXXX XXXX XXXX Mastercard/Etc. ), XX/XX/XXXX and on XX/XX/XXXX I requested from Selip & Stylianou , LLP and XXXX XXXX XXXX XXXX XXXX Mastercard/Etc. to provide me with a NOTARIZED AFFIDAVIT VERIFICATION & VALIDATION of Debt form ; to date I NEVER received it. All Selip & Stylianou , LLP keep sending me are statements with NO Charges from a credit card. That's NOT validation of debt! That is a violation. 
2. NEVER gave Selip & Stylianou LLP consent to contact me in any way ; they keep sending messengers to the address and those people are literally THROWING envelopes at my window. That is a violation.

3. Selip & Stylianou LLP have ruined my reputation. That is a violation.

4. Selip & Stylianou LLP are using false & misleading representations. That is a violation.

5. Selip & Stylianou LLP are attorneys ; a debt collector can not be an attorney nor can an attorney be a debt collector. That is a violation.

6. As a CONSUMER I have a right to request validation of a debt pursuant to 15 USC 1692g. I requested VALIDATION ; competent evidence of a legal obligation of the debt and/or a legal obligation to pay you which has NOT been received for over one year and you ( Selip & Stylianou LLP ) are still ruining my reputation and harassing me. 
7. One of them is calling all day and sending negative threats, court date papers, and statements in the mail. Thats NOT what was requested ; I requested VERIFICATION. BY THEM DOING OTHERWISE .... That is a violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Equifax a letter to dispute an invalid account and multiple invalid inquiries being reported on my account. USPS confirmation shows Equifax received the letter XX/XX/2020. It has been 30 days and I have not received any correspondence related to this dispute. Equifax 's failure to respond to my letter and investigate these invalid items on my report are cause damage to my profile resulting in credit denials, higher interest rate and damage to my reputation. I have attached a copy of the XX/XX/2020 letter sent and a 30 day non response letter.
Product: Credit card

I had several accounts with GE Capital they were all in good standing showing no late payments. Once synchrony took over they first lowered my limit and then after I paid the balances they close the account.This has drastically affected my credit score and I do notice through other complaints that this is a common practice with synchrony. I have other credit card companies and none of them have lowered any balance or close my account.
Product: Credit reporting or other personal consumer reports

THESE SOFT INQUIRIES ARE FRAUDULENT AND DOESNT BELONG TO ME AND NEED TO BE REMOVED. ALSO XXXX XXXX AS WELL THANKS 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Stolen identity fraud account open in my name XXXX XXXX  XXXX also known as XXXX XXXX Opened XX/XX/17 Account number XXXX Amount XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX FL XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts has violated my federally protected consumer privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX XXXX XXXX XXXX Account # XXXX Account Name THD/CBNA Account # XXXX Account Name THD/CBNA Account # XXXX XXXX XXXX XXXX XXXX  XXXX A. States i Have The Right To Privacy XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : it also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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 XXXXXXXX XXXX. 

XXXX XXXX XXXXXXXX ( A ) ( XXXX ) 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. 

XXXX XXXX XXXX A ( I ) states a report should only contain information solely as to transactions or experiences between the consumer and the person making the report XXXX XXXX XXXX ( b ) ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Theses companies and accounts have been going against my rights and violation as a consumer this is unconstitutional. I have rights and THD/CBNA has violated them all they sold my information to a XXXX party service XXXX XXXX XXXX XXXX without consent and I am being XXXX and denied by banks and extension of credit for a debt I do not owe or have been proven I owe I also understand if a company is reporting a charged off account to your credit report a XXXX must be flied I haven't received any tax returns from this company I am asking that theses accounts be reinvestigated and deleted off of my credit report immediately. I do Not owe theses debts and I am requesting a cease and desist immediately.
Product: Debt collection

Unknown when it occurred posted on credit file on XX/XX/21 in the amount of {$920.00} from consumer adj co
Product: Checking or savings account

On XX/XX/2020 at XXXX, I received an email from Chase stating that my phone number on my account had been changed. I immediately called to tell them that I did not authorize this change only to be told that they could not verify my identity. I also logged into my account while on the phone with customer service and found that someone had deposited 2 balance transfer checks on XX/XX/2020, one for {$5000.00} from XXXX 's and the other for {$12000.00} from XXXX in my checking account using my checking account number. Since they would not help me over the phone, I immediately went to a Chase branch near my house. I learned that the deposits were made through a teller at a branch I've never been to. How someone can make a deposit into an account without identification is beyond me! 

The {$5000.00} balance transfer check from XXXX XXXX  cleared on XX/XX/XXXX, even though, according to Chase 's own notes, the check should not have cleared before XX/XX/XXXX. The {$12000.00} balance transfer check from XXXX was flagged as fraudulent and did not clear. 

While meeting with a banker at my local Chase Branch, 3 transactions were made 26 miles away. The first was a withdrawal of {$3000.00} at a Chase ATM, the second for {$1000.00} at a XXXX across the street, and the third was a debit card purchase at a nearby bicycle shop for {$550.00}. 

Since the deposit from XXXX went into my own checking account, XXXX is stating that the check was not fraudulent, even though my signature was clearly forged. On top of that Chase is also denying the fraudulent withdrawal claim stating that since my debit card was used with the PIN, the withdrawals are also legitimate. The debit card transaction was temporarily reversed and an investigation is ongoing for that transaction. 

I have copies of the deposit slips and checks with my forged signature and timelines but no one will listen. The claims are being treated as separate incidents, even though they are clearly linked as part of a larger fraud. I was told that Chase needs a subpoena to review XXXX to prove that it wasn't me but they said I still may have let someone use my card. To add insult to injury, I have been charged {$350.00} in fees from XXXX and fees from Chase and now Chase is closing my account with no explanation given. I now owe XXXX {$5300.00}. 

I've filed a police report but was told by both banks that it won't necessarily help. I have no idea what to do next since and the banks are not being straightforward or helpful.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 XXXXXX/XX/year>
Product: Credit card or prepaid card

About a month or so ago, I was charged a late fee erroneously after signing up for autopay ( which didnt work ). I saw the fee and called to manually pay the statement balance over the phone. This was done, but the employee also paid the late fee. I then had to work to have it reversed. Fast forward to a couple days ago, and Bank of America debits my account XXXX! There was no balance! That is effectively stealing, and while they took it out right away, it will take XXXX business days to put it back in.
Product: Mortgage

XX/XX/XXXX a Mortgage Forbearance/ Modification Agreement that the money that is owed is XXXX and not due until XX/XX/XXXX, in the past year they up my loan payments to cover this expense of XXXX was taken on XX/XX/XXXX and XXXX was taken of XX/XX/XXXX and in XXXX. not sure about the %. Unable to figurer that part I wrote a letter asking them to send me all my information on both of my loans date from XXXX so I can take them to a third party to review they have refused the first date was XX/XX/XXXX and the second time in writing was XX/XX/XXXX I also asked them to fix the errors XX/XX/XXXX they have refused they want me to go into another forbearance/modification agreement. 
XX/XX/XXXX, Bank of America was still sending inspectors to our home, and one was driver high rate and I want to report them to the police but bank American refuse to send the information of the 3rd party I do not understand why they would send someone to my home during a quarantine of lockdown. ( he got out of his car came up to my home and took photos of my home and ran back into his car put in reverse at high speed and pulled to the next-door cross street neighborhoods drive-in reverse and in forwarding race up the curve up the street. ) Also, I am still under the IL hardship agreement and I do not think they are following this agreement also. 
XXXX I had a modification and they add 14 years to my mortgage, I also notice the amount is smaller it was also taken out. Bank America has refused me a refinance to lower my 4.7 %. I have been looking for a third party to help and review all my stuff bank lack of information from bank America is make it difficult for us. 
I was told by the bank of America they had to pay taxes in XXXX for XXXX I think and charge me for them I paid them in cash they never show me the paperwork from cook county. I should not pay % on this amount. 
I have 2.5 years left with the IL hardship agreement. 
also, my credit has taken a hit.
Product: Debt collection

I Received collection notice on XXXX XXXX from trans world regarding a claimed missed toll on XX/XX/2022 of {$10.00} and a late fee of {$100.00}. I never received any notice of this claimed missed toll prior to the collection agency notice. The creditor XXXXXXXX XXXX XXXX XXXX never contacted me or sent anything at all to alert me if this. My Registration code on the notice with trans world is # XXXX. I dont mind paying the toll if in fact I owe it if {$10.00} ( how is a toll that price with odd cents ) but not the {$100.00} fee when I was not informed of this claimed missed toll ( prior to the collection notice ) on the  XXXX bridge in NY state.
Product: Credit reporting or other personal consumer reports

I wish to highlight 15 U.S.C. 1692e ( 8 ), which prohibits the communication or threat of false credit information. If false information is communicated or if there is a failure to prove the accuracy of reported debts, it can lead to legal consequences, including fines. Entities reporting data in the XXXX XXXX XXXX must comply with relevant legal standards.