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

Equifax has frozen my ability to go online and view my credit report or file a dispute. The site says that my information does not match their records. On XX/XX/2019 they will give me no information over the phone after I give them over 12 pieces of information on my mortgage lender, credit cards, balances, etc. I have sent them a letter with social security and driver 's license copies per their instructions. They say they can not read the copy but it is absolutely clear to me. They will allow me to access my account if I agree to subscribe to their complete XXXX XXXX for {$19.00} per month. This appears to be a crime. I am entitled to this information that is damaging my credit and my family. I have hired a Credit repair Service called XXXX XXXX.They may be punishing me for using this service that challenges inaccurate reports on my credit file. There should be laws to protect consumers from these notorious practices that damage a families financial position.
Product: Credit reporting, credit repair services, or other personal consumer reports

I legally change my name to from XXXX XXXX XXXX To XXXX XXXX now Chase bank JPMCB - CARD SERVICES account. Still have in my online profile from my credit journey XXXX XXXX I already change in the locate bank but Im having a lot of difficulty to change credit update they refused to do it all the time and thats its legal I have my new credit card under my legal name XXXX XXXX but online still XXXX a XXXX You stop report my credit to XXXX since last year 2022 and remark my account asking for a clear credit report when you are the only company hasnt change the name I need you to update and my name and report to XXXX a soon as posible this its affecting me because Im putting a lot of my busy time to this situation Im going to share my label documents once again to prove that XXXX XXXX is my legal name and not XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 - This company Credit Supreme LLC guaranteed results within 30 days and did not deliver. I gave them 3 months to assist and they did not. They have no right to place a bill in collections on my credit report, we had a month-to-month agreement and I canceled. I did not sign a long-term agreement. I was not impressed with customer service, they never answered my questions but instead told me not to worry and danced around the question. Truthfully, if this collection is not removed, I will take further action. Because this was placed on my credit file, it has prevented me from buying a home, which I am in the middle of. This is ridiculous. Who are they? How dare they? This company is terrible, and they should not even be in business.
Product: Payday loan, title loan, or personal loan

I have had an account there since XX/XX/XXXX. I received a loan of $XXXX. I have made every one of the biweekly $XXXX payments since. I started calling onXX/XX/XXXX to find out the payoff balance. The representative told me there were technical issues keeping her from getting in to my account. (Something I later learned is a common tactic they use.) So, I called back on XX/XX/XXXX and spoke to the same girl. She told me she still couldn't get in to my account and promised that interest would stop accruing while we got this sorted.  She told me the balance would be emailed to me or I would get a call. I received neither, but two more payments have been debited from my account in the total of $XXXX. I spoke to a representative on XX/XX/XXXX who advised me that the pay off is $XXXX. Since I have been trying to settle this since XX/XX/XXXX, I told her I need the $XXXX that was debited after to be applied to this balance and allow me to pay the difference of $XXXX to close the account. She said her supervisor would call me back. I heard nothing. I emailed their customer service with this issue. No response. I called again on XX/XX/XXXX. The same girl assured me the supervisor would call me that day. No call. I have since called and left voicemails and sent another email. Still no response.
Product: Checking or savings account

XX/XX/year> XXXX atm XXXX XXXX XXXX XXXX of $ XXXX I deposited cash into XXXX atm using XXXX debit card. The ATM failed and rebooted, taking the cash and not returning to me. Failed transaction/deposit. 

I have reached out to all point via phone call. They told me to contact my bank ( dasher direct ) to resolve the issue. 

XXXX XXXX came out and took all the cash out of the atm including the money I tried to deposit. He legally could not give it back to me. 

I have a claim with dasher direct. They have not sent me any documents that I have requested for proof that this is being handled. They have given me XXXX different claim ticket numbers. XXXX and XXXX
Product: Credit card

Requested for all the late fees to be taken off and the bank statement that was sent to them to show that I made a payment back on XX/XX/year>, they tell me it takes 90 to 60 days to fix this correction
Product: Credit reporting or other personal consumer reports

Subject : Dispute Regarding Violation of Fair Credit Reporting Act Dear Credit Bureau, I am writing to address a serious violation of my rights under the Fair Credit Reporting Act by a creditor. It has come to my attention that the creditor has failed to adhere to the guidelines outlined in 15 USC 1681 section 602, specifically regarding my right to privacy. Furthermore, as per 15 USC 1681 section 604 section 2, a consumer reporting agency is prohibited from furnishing an account without my written consent or instructions.

I would like to bring to your attention that under 15 USCS 1666b, a creditor is not permitted to treat a payment on a credit card account under an open end consumer credit plan as late for any reason. It is evident that the creditor in question has not followed these regulations, which has had a negative impact on my credit report. 

I kindly request that you investigate this matter thoroughly and take the necessary actions to rectify this violation. Your prompt attention to this issue is greatly appreciated. 

Thank you for your assistance in resolving this dispute. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On XXXX XXXX, 2021 I logged into my Chase mobile app to send a XXXX payment to a friend ( XXXX XXXX ). XXXX is linked to my contacts so when I saw the name XXXX in my XXXX contact list, I selected it and sent the {$750.00} payment. My friend XXXX did not text me letting me know that payment was received so I checked the Chase mobile app and noticed that the XXXX I sent the money to was the incorrect XXXX. The XXXX I sent the money to is someone who made a purchase from me back in XXXX. I text the XXXX ( XXXX XXXX ) that I incorrectly sent the money to but he did not respond. I filed a claim for the money with Chase but they denied the claim and said that I need to file a claim with XXXX ( transaction number XXXX ). I filed a claim with XXXX but they did not investigate. They sent me an automated response telling me to contact my financial institution. I am being sent in circles and neither XXXX nor Chase protect their customers from sending money to the incorrect recipients. I attempted to delete the incorrect XXXX from my XXXX contact list in the chase mobile app but there is no option to do this. So the incorrect XXXX 's information will always be in my XXXX list which means the potential to send money to the incorrect recipient is always there.
Product: Checking or savings account

I have a credit card with Bank of America. When I signed on today ( XX/XX/2022 ) I saw a checking account had been added on XX/XX/2022. After XXXX hours on hold and several transfers I finally was able to talk them into closing the account. They haven't closed the account yet, but I do expect them to follow through and remove it soon. 

The issue here is that I believe someone internal to Bank of America accessed my personal protected information and used it to open the account in my name to meet some account opening metric. This is not unheard in the mega-banking realms. XXXX XXXX and US Bank have both previously been caught in this practice and I believe the same this is happening at Bank of America. 

The specific checking account I was signed up for is the Advanced Safe Balance Banking checking account. This account comes with a $ XXXX fee and a {$25.00} minimum balance to open the account. The account was opened with a {$0.00} balance and had I not caught this I would have started to accrue overdraft fees as a result. 

The representatives I spoke with from Bank of America repeatedly insisted that I or someone pretending to be me had applied for the account online. However, I have multifactor authentication on my account and the account sign-in history available from their own website shows no logins for my account between XX/XX/2022 and XX/XX/2022, which to me indicates that this was not a malicious 3rd party but an internal employee at Bank of America XXXX 

The internal breach of my personal information is the main issue here. I no longer feel comfortable with Bank of America having access to any of my personal information.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report leaving in accurate and unverifiable account resolved the customers financial protection bureau ( CFPB ) has recently filed lawsuits against Experian alleging systemic such as failing to forward consumer- provided evidence to furnishers accepting unreliable responses failing to adequately notify consumers of dispute outcome these failures align with my experience where Experian neither corrected or or removed despite the evidence that I provided causing ongoing harm to my credit standing I am requesting immediate correction action to remove or amend the disputed accounts as Experians in actions violate federal law and my rights as a consumer
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This letter is a formal statement of concern based on your recent actions. I have in my possession an inaccurate copy of my consumer credit report. These reports were lawfully obtained by me, through the declaration of the rights granted to consumers under the Fair Credit Reporting Act. The Fair Credit Reporting Act specifically details that all items within a consumers credit report must be reported with 100 % accurate information ( not 99.9 % or less ), must be 100 % verifiable ( not 99.9 % or less ), must be 100 % complete information ( not 99.9 % or less ), and must only be reported during the allowable reporting periods as detailed in the Act for the specific item as it appears. Please provide proof that the information as contained on the reported tradeline is 100 % Accurate, Complete, Verifiable, AND Timely. Please re-investigate the accusations that are detailed below and ensure the precise facts to each and all are, as mandated, completely true, whole, correct, not outdated, specific, purposeful, mine, and adequately compliant to any obligations of your reporting bar none. 

XXXX XXXX XXXX XXXX XXXXXXXX Accounting Error! How can there be a " Past Due- 30 Days Count '' when it clearly shows all " OK '' in the payment history? You are contradicting your claim. This is a violation and must be removed! Correct this at once! Also, By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXXXXXX Accounting Error! How can there be a " Past Due- 30 Days Count '' when it clearly shows all " OK '' in the payment history? You are contradicting your claim. This is a violation and must be removed! Correct this at once! Also, By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXXXXXX FDCPA Section 807 Violation Misleading False Reporting -DELETE! 

XXXX XXXX XXXX XXXX XXXX Not all bureaus are reporting this account the way you are reporting this account. It shows a lot of inaccuracies and inconsistencies. Please remove this inaccurately reported account from this report. 

Listed below are the Inquiries that are being challenged : XXXX XXXX XXXX XXXXXXXX The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal request for a re-investigation of the account listed below. The previous item was claimed to have been accurate or verified. This is inaccurate and needs to be corrected immediately. My credit report is showing late payments to XXXX XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the XXXX XXXX XXXX customer service representative.
Product: Checking or savings account

I have been trying to file an unauthorized wire transfer and Chase has not allowed me to file the claim nor provide me with the paperwork to do so. I have been trying to file an unauthorized wire transfer and Chase has not allowed me to file the claim nor provide me with the paperwork to do so. They are violating every right I have as a customer and are going against their companies policies. Transaction Reference Number : XXXX Date of Transaction : XX/XX/2020 Amount of Transaction : {$31000.00}
Product: Debt or credit management

XXXX XXXX and nerd wallet blocked access and kept funds regarding the unaccessible card I and rights to that of physical card indebited to was neber granted the money to me, XXXX XXXX XXXX as the amount and locked access still to this day is blocked from my own access. XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my EQUIFAX credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. The INCORRECT Addresses that should be deleted are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and there is XXXX XXXX XXXX XXXX XXXX XXXX I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 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. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report 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.
Product: Debt collection

LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX , XXXX is attempting to collect a zombie debt. Original creditor was served a cease & desist several years ago. I want all communications from any company tied to this debt to stop. I also will require them to pay me {$24000.00} ( the amount they are trying to extort from me ) as a penalty for practicing illegal collection tactics.
Product: Credit reporting, credit repair services, or other personal consumer reports

They stated my accounts were verified how is this possible, if I have circled many inconsistencies and inaccuracies on my report from different account numbers, listed dates, balances term, months, and less reported dates that you can see. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and is grounds for immediate removal! I have attached pictures of my updated monthly report according to the law everything has to be 100 % accurate, it is not. 

Account name XXXX XXXX  Account number XXXX Account name - XXXX XXXX XXXX  Account number XXXX Account name - XXXX XXXX XXXX XXXX Account XXXX XXXX Account name - XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX numbers- XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX # ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Also states a consumer reporting agency can not furnish without my written instructions.

15 U.S.C 1681 section ( 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 for more than seven years.

15 U.S.C Code 1681 to ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

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

To Whom It May Concern, I am writing to demand the immediate removal of fraudulent accounts that appear on my credit report. I have discovered unauthorized accounts opened in my name, which I did not apply for, authorize, or have any knowledge of. This is a clear case of identity theft, and I will not tolerate it any longer. 

*Account name : XXXX XXXX XXXX XXXX Account number : XXXX Amount : {$180.00} Date open : XX/XX/XXXX *Account name : XXXX XXXX XXXX  Account number : XXXX Amount : {$8000.00} Date open : XX/XX/XXXX * Account name : XXXX. XXXX XXXX Account number : XXXX Amount : {$390.00} Date open : XX/XX/XXXX * Account name : XXXXXXXX XXXX Account number : XXXX Amount : {$380.00} Date open : XX/XX/XXXX * Account name : XXXXXXXX XXXX  Account number : XXXX Amount : {$3600.00} Date open : XX/XX/XXXX These accounts are not only damaging my credit, but they are also a violation of my rights under the Fair Credit Reporting Act ( FCRA ). I demand that these fraudulent accounts be removed from my credit report IMMEDIATELY. You are legally obligated to investigate these claims and resolve this matter within 30 days. I expect you to take swift action and remove these fraudulent accounts from my report within the required timeframe. Should you fail to act promptly, I will have no choice but to escalate this matter. Let me be clearif this issue is not resolved within 30 days, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the State Attorney Generals Office. I will also take legal action to ensure that my rights are upheld and to seek damages for any harm this fraudulent activity has caused to my credit and financial well-being. I will not tolerate delays, excuses, or negligence. This situation requires your IMMEDIATE attention. Please provide me with written confirmation that these fraudulent accounts have been removed, along with the results of your investigation.
Product: Debt collection

This letter is regarding the account listed above, which you claim is a collection that I have with your company. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) a contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do not owe is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry.

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area.

For the purposes of 15 USC 1962 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute of the validity of your claims.

Please note : This is an attempt to correct your records and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a station, election, or waiver of status.

Best Regards
Product: Credit card or prepaid card

I have n't received a credit card statement in the mail in months until today, the statement had a charge of {$1.00} due to interest charge, after inquiring I found that last month there was a {$69.00} charge due to annual membership. I always pay all my accounts on time and in full every month. When I called and asked to close the account and a refund for the annual fee, the person told me that since the charge was 30 days old, it ca n't be refunded. I explained that I did n't receive the corresponding statement last month and he said that in that case it was a bank error and that it could be refunded, but since there was not a returned mail he could not do anything. Again, I have not received a statement in months until yesterday, if I had I would have called earlier to close the account since I do n't use the card. 
I requested to close the account and a refund for the annual fee and any interest charged. They closed the account but refuse to reimburse the annual fee. 
Also, independent of the error of not sending me a statement, this fee is for membership for the coming year. It is an abuse from the credit card company not to issue a refund ( even partial ) when a customer closes the account, especially at the beginning of the period.