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

I am writing in response to your communication regarding the accounts ending in XXXX, XXXX, and XXXX. While you have confirmed that these accounts are closed and purged and asserted compliance with regulations, I am seeking further clarification and resolution to ensure the accuracy and proper handling of my information. 
Points of Concern 1. Persistence of Closed Accounts : Although you have stated that these accounts are closed and purged, they continue to impact my record through reporting to XXXX XXXX XXXX XXXX XXXX XXXX. This reporting creates unnecessary barriers for me, despite the accounts having no outstanding issues. 
XXXX. Deposit Account Agreement ( DAA ) and Privacy Notice : You referenced the DAA and Privacy Notice, stating that federal law permits the reporting of account activity. However, federal law also mandates that reporting must be accurate and not cause undue harm. Given the accounts closed status, I question the relevance of their continued reporting. 
XXXX. XXXX XXXX : Your assertion that XXXX  and other consumer reporting agencies determine the retention of account information does not absolve Chase Bank of its obligation to ensure accuracy and fairness in its reporting practices. The presence of these accounts reflects negatively on my record, impacting my ability to access financial services. 
Actions Requested I request the following actions from Chase Bank : 1. Detailed Documentation : Please provide copies of all documentation related to the accounts ending in XXXX, XXXX, and XXXX, including : Account closure and purge dates. 
Records of reporting to XXXX and any other consumer reporting agencies. 
Evidence of compliance with the FCRA in the reporting of these accounts. 
2. Clarification on Reporting Practices : Explain why closed and purged accounts remain reportable and the criteria used to determine their continued presence in consumer reporting systems. 
XXXX. Assistance with Removal : Work with XXXX  to ensure that irrelevant or outdated information is removed from my consumer report. 
Consequences of Inaction If this matter is not resolved promptly, I will escalate my concerns through : Filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ). 
Pursuing legal action for damages caused by improper reporting. 
Including a rebuttal in my consumer file to contest the continued presence of these accounts. 
The ongoing harm caused by these accounts includes denial of financial opportunities and damage to my financial reputation. I request that you treat this matter as a priority and provide a written response within 15 business days.
Product: Money transfer, virtual currency, or money service

I was involved in an online scam week and half ago involving XXXX I paid for the dog online using XXXX and a cash app. Didnt realize until after the transaction was made that this was a fraudulent transaction. I tried to resolve with my bank, Wells Fargo and they told me there was nothing that they could do, couldnt even pull up information regarding the transaction so I could make a police report and take legal action. My bank is supposed to protect any fraudulent transactions on my account And at this point there is they have told me theres nothing that they can do. I find this hard to believe. This was money I sent on my account and I am not entitled to any information regarding this? I feel like Im at a loss, and would love any help I could get. I have all the information from the breeder emails, copies of transactions, Or any other information you need.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

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

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

The accounts below are reporting on my personal credit file with EXPERIAN and XXXX. These accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The data furnisher are not complying with federal law in regards to identity theft. Additionally, the data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the accounts removed from my file. 

XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 90 plus days past due on the XXXX/XXXX  accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 3 and 4 of the  attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  did not fully investigate the account that is falsely reporting on my credit report
Product: Credit reporting or other personal consumer reports

I have a wells Fargo credit card that I set up payments to be made monthly. The last previous year there was monthly payments being deducted. Coming into XXXX  they were renegotiated to layer payments, but continue to be made monthly. Wells Fargo deducted the first payment in XXXX, but never did it again in XXXX. They never notified me until the payment was XXXX  days late. I spoke with Wells Fargo today, XX/XX/year>, about the issue and they acknowledged the issue and are making corrections to my account, but said I had to reach out to the credit consumer bureau to get my credit reports fixed. My credit dropped XXXX points because of Wells Fargo making an error and reporting it. Can I get this fixed as soon as possible?!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I had automatic payment scheduled to pay mortgage byXXXX of the month on XXXX from my checking account to mortgage at Bank of America. However it did not pay until almost end of the day on XX/XX/2020. I called mortgage department and asked them why money was not transferred from my checking account to pay the mortgage as I scheduled automatic payment by XXXX of each month and I told them that I have a printed copy of confirmation. I was told that they did not find any information regarding automatic payment scheduled. So I paid {$1000.00} toward mortgage from my checking account on XX/XX/2020 ( confirmation # XXXX ). On XX/XX/2020 I found that they transferred {$1000.00} into mortgage payment from my checking account and my checking account was minus {$1000.00} in red. I called mortgage department and ask them to reversed the transaction and put {$1000.00} back to my checking account on XX/XX/2020. bank of America did not reversed the transaction and kept the {$1000.00} as XXXX mortgage payment and my on line showed next mortgage payment is due on XXXX. I called and talked to Bank of America may times but they did not fixed the transaction until almost end of the month. So I called Bank of America again to keep the transaction as I paid the XXXX mortgage payment because it was almost time to pay the XXXX mortgage payment anyway and it did not make any sense plus at least I paid XXXX mortgage payment on XX/XX/2020 will save me money on interest and they put that request to their escalated team ( supervisor ) .Bank of America did not followed request and reversed transaction on  XX/XX/2020 put back {$1000.00} into my checking account which cost me a lost of interest payment. Also I made mortgage payment of {$1100.00} ( extra {$100.00} toward principal : confirmation # XXXX ) with help of customer service from mortgage department on XX/XX/2020 but extra {$100.00} was allocated as unapplied fund. I called Bank of America to credit extra {$100.00} toward principal payment but as of XX/XX/2020 it has not just like XX/XX/2020 mortgage payment problem.
Product: Debt collection

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

CONTRACT CALLERS account is inaccurately and erroneously reported in XXXX and XXXX Bureaus. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to the Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Debt collection

Resurgent Receivables has been contacting me the CONSUMER, NATURAL PERSON, & ORIGINAL CREDITOR about an alleged debt that I do not owe. They have been reporting that I owe this alleged debt to all 3 major bureaus ( XXXX, XXXX, XXXX ), This is false and misleading information according to 15 USC 1692b ( 2 ) : " Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall -- not state that such consumer owes any deb. '' They are also trying to collect on an alleged debt that they don't even have the proper certification to collect in the state of Texas. Also under 15 USC 1692e ( 8 ) : " Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. '' I would like for these accounts deleted from all 3 major bureaus ( XXXX, XXXX, XXXX ) and all secondary bureaus they are reporting too.
Product: Credit reporting or other personal consumer reports

Hello i recently look to my credit report and i was shocked to see that i have been victim of identity theft, i found on my credit report fraudulent account, that i want to dispute, i am in the process to buy a new car but this fraudulent information harm my credit report. 
XXXX XXXX  : opened XX/XX/2023 XXXX XXXX  : Account number XXXX XXXX XXXX  : Fraudulent Charges {$1300.00}
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Checking or savings account

I had my identity stolen and on XX/XX/year> my card was declined. Someone had cashed a check for XXXX and another check for XXXX. I was left with XXXX dollars in my account. When I called wells fargo they closed my account and opened a new one as well as starting a fraud claim. The next day, XX/XX/year>, Another check was cashed for XXXX dollars. Again I called wells fargo and they restricted my account and started a fraud claim for the XXXX dollars. I ended up receiving a call from wells fargo a few days later. Someone had called and tried to order a replacement card to their address. I went into the bank on XX/XX/year> to speak to someone about the issue. My account was closed completely and the banker called the fraud department to see if there were any updates on my claim. I was told the claim was still under investigation and that I would be called with updates. Today, XX/XX/year>, I received a letter from wells fargo telling me that my claim was denied. The letter was dated for XX/XX/year> which is before I had gone to the bank where they had told me it was still being reviewed. I called the number on the letter and I was told it was denied because they determined it to be me. They said I went into the bank and they verified my ID and that it was close to my home address and that was the reason it was denied. I never walked into that bank. I let them know of that. I let them know multiple times that my wallet with all my cards and ID had been stolen at work. Still the claim was denied. I've filed a police report, frozen my credit with all three credit bureaus, placed a fraud alert with the credit bureaus. I'm not sure what else I can do to prove that it was not me, but I did NOT make those withdrawals. I don't know if they can look at footage to see who actually went in, but again I did not make those withdrawals. They were aware of the stolen identity, they have proof of someone calling them to try and order a new card that wasn't me, so again I'm not sure why they denied the claim.
Product: Credit card or prepaid card

Dear XXXX, I am filing a complaint against Chase regarding a credit card transaction return. This transaction is about XXXX hotel reservation made on XX/XX/XXXX. The total amount is {$600.00}. The duration was supposed to be XX/XX/XXXX to XX/XX/XXXX. Unfortunately, due to family member illness, I had to cancel the reservation. In XX/XX/XXXX, I already tried my best to communicate between hotel ( service provider ) and Chase Travel. The final conclusion on that day was : Chase will return ALL cash, minus one-night fee, back to my credit card account. After that, I have spent XXXXour months on this case, but I haven't got a clear clue what's going on within Chase. Please allow me to show you a timeline of the case. In XX/XX/XXXX, XXXX Chase Travel Agent told me to wait 1-2 billing cycles to see the return. In XX/XX/XXXX, another Chase Travel Agent told me the refund can't be all cash. The refund has to be point and cash because the original payment. However, she didn't see any point return or cash return. She wanted me to wait XXXX more week. At the end of XXXX, another Chase Travel Agent told me the point return already done back in XX/XX/XXXX and he wanted me to contact Chase Card Service. In XX/XX/XXXX, I tried contact Chase Travel and Chase Card Service, but I could only see push back and forth between Chase Travel and Chase Card Service. Both of them do not show the effort to resolve the issue. As an individual consumer, I have tried all I could and now I could only seek for CFPB 's help on this case.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have been a victim of identity theft, resulting in the unauthorized addition of several fraudulent accounts on my credit report. These accounts were opened without my knowledge or consent. 

Accounts XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have already filed a report with the Federal Trade Commission ( FTC ) regarding this identity theft. I now request the immediate removal of these fraudulent accounts to ensure the accuracy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS THE SECOND TIME FILLING WITH THE CFPB AGAINST XXXX XXXX XXXX. I HAVE SOUGHT LEGAL ACTION AGAISNT THE COMPANY AS WELL. 


THIS IS FOR RECORD OF ATTORNEY. 

RECORDED PHONE CALLS AND EMAILS WILL BE SUBPOENAED. 

XXXX YEARS LATER AND XXXX XXXX JUST REPORTED TO MY EXPERIAN XX/XX/2022 THAT I AM XXXX MONTHS LATE YET XXXX AND XXXX XXXX XXXX CLOSED ACCOUNTS. 

ALSO I AM A XXXX XXXX AT A XXXX XXXX. I AM WELL VERSED IN AUTO LOAN CONTRACTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : On XX/XX/2020, XXXX, XXXX, and Experian are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

For XXXX  1. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report.

2. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 
3. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 
4. Validate Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
5. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 
6. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 
7. HIPPA VIOLATION REMOVE Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 8. HIPPA VIOLATION REMOVE Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 9. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
10. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

For EXPERIAN 1. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
2. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 
3. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
4. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
5. Validate Account XXXX  XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

For XXXX
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit card or prepaid card

On or about XX/XX/2022 I called Macys XXXX XXXX credit card customer service XXXX. I called to find out why my credit limit was lowered from 2500.00 to 1100.00 without giving me prior notice and the representative did not know why and he told me that I had to speak to the credit department. On the same day, XX/XX/2022 I informed the representative that I was going to file a Fair Credit Reporting Act violations complaint against Macys and he noted everything down. My macys creit card records show that I had made a payment of 2400.00 approximately 3 weeks earlier and I believe there is no reason for Macys to lower my credit limit damaging my reputation. 

On or about XX/XX/2022 I apoke to a representative at Macys Credit Department and they told me that due to my fico score the credit limit was lowered. I argued that no prior notice was provided and that I was going to file a complaint with the FCRA. I asked about my wife 's macys credit card limit and the representative told me everyting was good and that her credit limit was staying the same at 2000.00. Aproximately 3 weeks prior I had payed macys XXXX XXXX credit card 1800.00. 

On or about XX/XX/2022 upon checking online I noticed that Macys had also lowered my wife 's macys american express card limit from 2000.00 to 1000.00. I believe macy 's did tis in retaliation after I had informed that I was going to file a complaint based on Fair Credit Act violation with a federal agency. 

I believe their actions are illegal, discriminatory and very unfair.
Product: Checking or savings account

I deposited a social security check on XX/XX/XXXX for ~ {$1000.00} and it's still listed as on hold I got an email saying the check might be on hold until XXXX. I know that the check is good because it was mailed directly from the treasury. I've called, done identity checks, gone in person and showed my id and SS card and all of that and then I get an email that my account is unfrozen. Since depositing the check my account has been frozen and unfrozed multiple times, even when I haven't done anything. The latest email said they apologize for freezing it and I have been given full access to my account, yet my check is still on hold.