23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

We have XXXX disputed charges that resulted from a series of confused and unfortunate circumstances. All of the charges, credits, and disputes are fully documented in a 43 page account history and reporting of such that have been sent into Chase on no less than 4 attempts. 
There are XXXX challenged transactions that we have paid amounting to {$7200.00} at issue, in XXXX challenged transactions, had been paid to XXXX per Chase. To this point, XXXX has claimed that it never received the {$7200.00} at issue from Chase, and Chase has claimed that it in fact paid the {$7200.00} at issue. Further XXXX supplied our legal counsel with records to show what they received from Chase and more importantly, what was NEVER received from Chase. Chase can not and will not supply us with any proof they paid XXXX. 
there is no doubt that the {$7200.00} at issue has been billed to us ( and paid in full ) through our Chase account, and that we have been made responsible for the {$7200.00} at issue, through XXXX separate transactions, that XXXX claims never to have received from Chase. From our aspect, resolution is simple : Chase needs to immediately reimburse us the {$7200.00} at issue, and Chase and XXXX need to account and determine, between them, and provide detailed accounting for the same, as to just what occurred. Prior to higher legal counsel We have attempted to accomplish the same on our own totally 30-40 hours of calls, providing documentation and continued to receive the complete run around by Chase. To no avail, we have further attempted to turn the matter over to legal counsel of which Chase would not acknowledge our attorney, nor would they engage in any attempt to resolve this on our behalf. EVEN AFTER we conducted XXXX separate conference calls with our attorney on the phone line. We keep getting the same letters indicating the matter is closed. 
Chase is on notice that we will also anticipate the full reimbursement of legal fees and costs in resolving this matter thus, time is of the essence, as the faster this matter is resolved, and the time thus involved, will limit Chase 's expected reimbursement.
Product: Credit reporting or other personal consumer reports

For two years now I have been trying to correct my date of birth with Equifax. I have mailed in copies of my Identification card and social security and I have also uploaded it to the dispute portal and it has not be resolved. The company has also been allowing companies to report information with my actual birthday even though it doesn't match in their system. This has taken a tremendous downfall on my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account. 
This creditor has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Along with hard inquiries as well.
Product: Credit reporting or other personal consumer reports

I recently viewed the latest copy of my consumer credit report and noticed several unauthorized inquiries on my report. Attached you will find a copy of my FTC report indicating my complaint, which includes all unauthorized inquiries as well as those mentioned in my personal statement section. I have contacted all 3 credit reporting agencies and they refuse to investigate or remove these items. I am requesting that all of these items be removed. 


15 USC 1681b ( c ) : Furnishing reports in connection with credit or insurance transactions that are not initiated by the consumer.

( 3 ) Information regarding inquiries : Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by the consumer.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX, Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

I submitted an mortgage application to Lennar Mortgage and received and preapproval and conditional approval to purchase a new construction home from Lennar XXXX at the XXXX XXXX XXXX XXXX in XXXX, California. Less than 2 months prior to the closing date, I received an email from the mortgage agent asking me if I wanted to withdraw my application. I informed them that I did not. The mortgage agent sent an email informing me that he was going to cancel my application at the request of Lennar XXXX because they was cancelling my contract. I did not agree to cancel my contract and did not inform Lennar Mortgage to cancel my application. Lennar Mortgage cancelled my application and did not provide me with any written reason as to why other than an email stating that the builder said to do so. In addition the title company, Lennar XXXX, took my {$20000.00} earnest deposit and did not return it. I sent them a certified letter and no response was received.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im not happy with Experian Customer Service. They didnt get update in my account since XX/XX/XXXX. Im complaining to ask them because its rude on me. My negative accounts keep to stay within 10 years but my debts has paid off and XXXX balance from XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX. 

Remove off 1. XXXX XX/XX/XXXX. 
2. XXXX - XX/XX/XXXX. 
3. XXXX XXXXXXXX XXXX XXXX XXXX - XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX XXXX # XXXX XXXX, has violated my rights. This item was disputed 4 years ago and removed and as of today, it appeared again. 

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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXXXXXX XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Within Grace Period : The payment reported as late for XX/XX/XXXX was made within the 15-day grace period allowed by my creditor and should not have been recorded as a late payment. 
Clerical Error : There appears to have been a clerical error in how the payment was processed by XXXX XXXX XXXXXXXX, leading to the incorrect reporting of a 30-day late payment. 
I provided substantial evidence in my dispute, including bank statements and payment confirmations showing that the payment was made on time and within the contractual grace period. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

bank of america has blocked the access to my online banking on XX/XX/2020 and they said that someone has used my card without my authorization I thn checked my credit report Since my online banking was blocked and I found a unuauthorized charge I have then sent a credit card unauthorized charges dispute letter to the XXXX office email adresses found on XXXX advocacy and a certified mail letter with return receipt to their credit card mailing adress I can provide the proof if needed They have ignored the credit card dispute for unauthorized charges and they still continued to request the payment of the fraudolent charges and using robo calls They insisted to talk over the phone but they ignored the emails I want to ease their mind once again and explaine them what internet banking means, internet means internet and not a voice phone line somwone answered by email only to request to talk over the phone, again they need a corporate psychologist then she ignored my email answers and she never answered again by email, but they insisted to contact my phone number with the bank of america robocalls now my credit report is showing a delinquent account when it's not
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. There were inquiries fraudulently made to my personal credit. I have sent in proof to the credit bureaus but they refused to have these removed. They are breaking the credit law. Please have this resolved with the credit bureaus by having them remove these inquiries immediately off my credit! Names of the companies and dates are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNT THAT I AM DISPUTING, DOES NOT BELONG TO ME AND I HAVE NO KNOWLEDGE OF IT. THERE IS ALSO A LATE PAYMENT REPORTING ON A XXXX  ACCOUNT THAT NEEDS TO BE ADJUSTED. THE LATE PAYMENT ACCOUNT NUMBER IS XXXX. THE DATE IS XX/XX/2019. I AM ASKING THAT THE DEROGATORY ACCOUNT BE REMOVED FROM MY CREDIT FILE AND THE LATE PAYMENT BE ADJUSTED AS SOON AS POSSIBLE.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$9700.00} ; XXXX XXXX XXXX Balance : {$12000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$4000.00} XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending another complaint because this account still shows as open and states it has been charged off 37 times on my credit report. I am attaching a picture of my XXXX credit report versus my XXXX credit report. In XXXX the account was closed and held a less amount. In XXXX the charged off account shows as open with a higher amount. It is also now reporting as late payments when before it was showing an N for  negative. You are not supposed to reopen a charged off account. You also should not be showing my payments as late because I have not made a payment to you all since XXXX.
Product: Money transfer, virtual currency, or money service

I am 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 numerous times and reporting discrepancies my financial institution and they failed to investigate my claims adequately they told me that recovering lost funds was impossible and the tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect customers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about customer safety.
Product: Credit reporting or other personal consumer reports

The following CLOSED account is being reported on my credit file although it was opened in XXXX  : - XXXX  ( 4 ) accounts reporting on Experian, XXXX and XXXX.
Product: Checking or savings account

We have had a Chase bank account for the last 23 years. I am XXXX XXXX XXXX and have created a website XXXX. The XXXX who has a XXXX XXXX in XXXX XXXX and partner lives in XXXX. The costs of building this website could have never been completed here in the US based on the skill level of my colleague. I send money to him via XXXX when he sends an invoice through XXXX and have been paying him for the last two years. This XXXX project started in XXXX and basically took two years to build the content, and another two years to build the website that is free to everyone who wants to learn English as an ( XXXX ) student around the world. 

My deep concern and frustration regarding the recent closure of our business account with Chase Bank. I spoke to the current branch manager in XXXX and she stated leave enough money to avoid fees. We did that. Two weeks ago, XXXX sent a letter stating we need to close XXXX XXXX our bank account since XXXX. In addition, we have saving, checking and another business account with Chase.

Calling Chase did not provide any information as to why the account must be closed. The person said we do not have to tell you why. Investigating this, an article in the XXXX XXXX XXXXXXXX has delivered a partial answer surrounding the suspicious activity report ( SAR ) has been filed. Further, discovering XXXX is not a legislative body but is a group on the government that investigates money laundering. However, being extremely concerned that our tiny company is being affected by suspicious activity report ( SAR ). 

Honestly, I do not know who to contact for assistance on the matter. I feel like our bank account has been singled out for something under the suspicious activity report ( SAR ) and there is no one person to answer questions. 

Now we are launching our website and I need to find a new bank. The lack of transparency and communication surrounding this decision has not only caused significant inconvenience but has also raised serious questions about the need for legislation to protect all consumers from arbitrary bank account closures. 

Not sure if this note will reach anyone who cares, but it sure would be nice to know someone cares.
Product: Credit reporting, credit repair services, or other personal consumer reports

This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX. XXXX ( XXXX  XXXX XXXX, XXXX  ), you may be liable for your willful non-compliance.
Product: Credit reporting or other personal consumer reports

I am writing to complain about the unfair and inaccurate reporting of my auto loan delinquency on my credit report. I experienced financial hardship during the COVID-19 pandemic, which made it difficult for me to make my loan payments on time. I contacted my lender and explained my situation, but they were not willing to work with me on a payment plan or other accommodations. 
As a result, I missed several payments between XX/XX/XXXX and XX/XX/XXXX. My loan is now paid off but the delinquency marks remain on my credit report. I have tried to dispute these marks with the credit reporting agencies, but they have not removed them.
Product: Debt collection

XX/XX/XXXX unauthorized Bank Garnishment XXXX from savings account bank charged XXXX fee caused account to be negative XX/XX/XXXX unauthorized Bank Garnishment XXXX from checked account charged XXXX fee by bank for garnishment caused account to be negative Never received Full validation of debt or notification of Garnishment
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo is incorrectly reporting my student loans to all major credit bureaus. I've had a Student loan with them since XXXX. In XXXX of XX/XX/XXXXWells Fargo transferred ownership of the loan to XXXX. However, Wells Fargo has incorrectly reported that my account is " Closed '' " Not in good standing ''. 

I have not missed a payment since XX/XX/XXXXwith Wells Fargo and am being negatively impacted. My 10 year student loan history is inaccurately being reported as 2 months. XXXX has reported the payments i've made over the last 3 months, but do not include any indication that the loan is an existing one prior to XXXX of XXXX. 

I have contacted : XXXX, XXXX  and XXXX  in order to have this updated and the derogatory remark of " Consumer Disputes After Resolution '' removed from my credit history. In addition, Wells Fargo has not clearly reported account updates to all 4 major credit bureaus.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal and aggressive notice of dispute regarding the inaccuracies reported on my credit file by your organization. Despite several prior disputes, you have failed to correct the erroneous information associated with my account ( XXXX XXXX XXXX ) ( Account Number ending in XXXX ). This negligence is unacceptable and constitutes a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX ( 15 U.S.C. 6801 and 6802 ). 
LISTED ON : XXXX, TRANSUNION & XXXX Specific Issues in Dispute : Reported Balance of {$17000.00} : The reported balance is grossly inaccurate. I have never received {$17000.00} in any of my bank accounts or any other form of disbursement from your organization. This amount has no basis in fact and represents a fabricated figure. 

Balance Representation as a Positive Figure : The balance being reported as a " positive figure '' implies funds available to me, which is entirely false. This misrepresentation is misleading, deceptive, and harmful to my financial reputation. 

Repeated Reporting Errors : Despite previous disputes sent to your office, you have continued to report the same inaccurate data without conducting a proper investigation, which is required by law. Your failure to comply with federal statutes demonstrates either gross negligence or willful non-compliance. 

Legal Obligations Under 15 U.S.C. 6801 and 6802 : Under the XXXX XXXX, you are required to protect the accuracy and confidentiality of consumer information. Your repeated and continued inaccuracies reflect a failure to safeguard and properly verify my financial data, as mandated by law. This is a clear violation of your obligations, and I demand immediate corrective action. 

Demands : Cease and Desist Reporting Inaccurate Information : Immediately remove the incorrect balance of {$17000.00} and all associated derogatory marks from my credit report. 

Conduct a Proper Investigation : Complete a thorough investigation into the inaccuracies, providing me with documented proof of the origin and legitimacy of the reported balance. 

Provide Written Confirmation : Within 30 days, confirm in writing that the disputed items have been corrected and removed from all credit reporting agencies. 

Failure to resolve this matter promptly will leave me with no choice but to escalate this dispute further by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing legal remedies to protect my rights. 

This is your final opportunity to address these inaccuracies before further action is taken. I expect immediate attention to this matter. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I pulled my credit report on XXXX, XXXX XXXX, and I notice there is a charge off on my credit report. for being reported by Transunion, XXXX, and XXXX XXXX, I notice inconsistent information as it relates to the account. The date of last activity on this account, Transunion is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX, However the Last reported date is reporting as XX/XX/XXXX. This indicates some re-againg or manipulation of the dates which would violate FCRA 15 U.S.C 1681s-2 ( a ) ( 3 ) - ( a ) ( 4 ) which prohibits furnishers from re-aging a debt to extend the reporting period, and falsely representing the date amount or status of the debt.