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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : XXXX To whom it may concern, I, XXXX XXXX, never gave ( Equifax, XXXX, or XXXX ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 
I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

You also do not have any permissible purpose to furnish my personal information to any third party.

15 USC 1681b Permissible purpose of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

As a consumer, I am demanding a deletion of the following account : XXXX. XXXX XXXX XXXX, Acct # XXXX Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I saw that my business account was overdrawn due to an unauthorized payment in the amount of {$5000.00} that posted on XX/XX/XXXX. I immediately went into the XXXX XXXX BMO Harris Bank to ask for help in retrieving these funds and closing the account. I was assured by both the Bank Manager ( XXXX ) and personal banker ( XXXX ) that they would submit a fraudulent transaction report, close the account, monitor my pending payments closely to ensure they were paid from the new account I had to open and that I would be getting those funds back within 7 days. Here we are on XX/XX/year> and I still have yet to receive the provisional credit, they've returned payment to payees that were authorized so now I have roughly {$200.00} in charges that I have been assessed due to check bouncing, and the best part is that they have no update for me to even change my bill pay to my new account because it's all still on lock-down. I don't need to be an expert in banking to know that they have exceeded the provisional credit timeline, they claim " they're still researching it '' and that " everyone 's been in meetings all week '' when I've asked them to escalate it. Lastly, I find it to be distasteful to then be asked to meet with one of their merchant services team members so I can change who I'm currently using to process credit card payments. How about let 's focus on my business account not bouncing all over the place first. You can see where their real concern is. So while I'm waiting for roughly {$5000.00} to be returned to me, I've got no way to change my bill pay, no answers, additional fees from my payees, and today they threw out a new timeline of 30 days. I'd like to know who's running the show here and why is it that the concern is not around getting my money back, but instead me changing my merchant services. Simply put, I'm closing everything with BMO once this is resolved.
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, XXXX '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 marked as inaccurate 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

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$400.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$470.00} XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Employer : WORK XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX Inquiries : XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Collection : XXXX  XXXX XXXX XXXX XXXX XXXX Experian ADDRESS : XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : XXXX XXXX XXXX  Inquiries : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX Collection : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EMPLOYER : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX Collection : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Inquiries : XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The personal information section that is reporting on my credit report is inaccurate and I need this information to be updated ASAP. I will be sending my correct personal information so you it can be updated immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax, XXXX and XXXX  did not comply with updates on my request to fix the issues of inquired on my account within a 30 day period.
Product: Credit reporting or other personal consumer reports

I submitted a complaint to the Bureaus a month ago, but sadly, the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they have properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is extremely frustrating! Over 30 days have passed since I filed my complaint, and the disputed accounts remain unchanged. If this persists, I may have to consider legal action due to the significant stress it has caused me. Additionally, I'm worried about the security of my personal information, especially after the data breach involving Equifax, XXXX, and Transunion.
Product: Credit card or prepaid card

Previous complaints were closed out without any resolution. XXXX XX/XX/22, XXXX XX/XX/22, XXXX XX/XX/22, XXXX XX/XX/22, XXXX XX/XX/22 There are multiple violations that American Express is violating and as a federally protected consumer XXXX this is very troubling as they are affecting my character and quality of life. Please see attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

Quicken Loans senior banker agent XXXX XXXX ( based out of the XXXX office ) completed a hard credit pull on me without electronic, written, or verbal consent. No application was filled out either. After I told XXXX that I did not give consent for a hard credit pull, he stopped replying to my messages, and I was not able to resolve the mistake. I have also spoken with XXXX, XXXX, and XXXX who told me they spoke with XXXX in an attempt to discuss the situation with me, and again he refused. I have tried my best to resolve the situation with the company, but have unfortunately been given the run around. 
Also as a consequence of their mistake, I have been harassed by numerous unsolicited phone calls from competing mortgage companies citing that they noticed my credit was pulled by a mortgage lender.
Product: Credit card

I have been with Chase for 10+ years. I had been a loyal and excellent customers. My credit score of XXXX can prove that. 

I had my Chase Freedom credit card, my Chase IHG credit card for 10+ years. I had my checking account, savings account, and my Chase debit card from my checking account for about a year, around the same time when I started talking with Chase financial expert about the possibility of using Chase as my mortgage loaner. 

XX/XX/XXXX, without any alerts, Chase suddenly made a decision to close ALL my mentioned accounts, without immediately notifying me by email or text or Chase mobile app 's notification. Instead, they sent a snail mail to my address. 

XX/XX/XXXX, I got their email, text, app notification regarding this matter, without telling me when I will lose all my accounts. I was shocked. 

XX/XX/XXXX, I got their snail mail, notifying me that all my accounts would be closed on XX/XX/XXXX, and I will NOT be allowed to open any new accounts with Chase in the future. 

I immediately called Chase hotline, even went to the closest Chase branch, got the same answer over and over from multiple staff, that the decision was final, there was no channel for appeal. Based on their experience, even if I send a fax to their corporation, nobody will answer. Also, nobody could provide an answer or even theory about the reason. 

ALL the Chase staff I talked with helped me look into my previous transactions, didn't find ANY red flags. All my recent transactions were grocery shopping near my home ( billing address ), and subway tickets near my home. There was ZERO alerts that notified me about any suspicious transactions. I proved myself clean over and over again, and I got absolutely no extra details or hope to fix the issue. 

XX/XX/XXXX, they closed all my accounts, and stated that they won't allow me to open any new accounts with them in the future.
Product: Credit card

I've always made sure that payments on this account are made on time, ensuring they are never overdue. I am unsure about the reasons for the reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Credit reporting or other personal consumer reports

Ive recently checked my credit report and noticed inaccurate accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

Financial institution ( XXXX XXXX XXXX XXXX ) filed that we were late on our final payment of a car loan. The loan was paid off and it was a XXXX balance. They still reported non payment. I opened a dispute with expedan and the result was that it would not change and that the information was accurate. How can we be late on a payment when we have a XXXX balance. The information they reported is incorrect and it affected my credit score in a very negative way.
Product: Student loan

I applied for loan consolidation in XX/XX/XXXX and also applied for the SAVE plan and had a deferred application date until XX/XX/XXXX since I was still in school in XXXX. When the loans were consolidated, they were placed into Standard Repayment Plan. MOHELA sent a letter on XX/XX/XXXX saying the loan was being placed into forbearance but I still received a bill on XX/XX/XXXX with no further information and a due date on XX/XX/XXXX. I re-applied for SAVE on XX/XX/XXXX and did not hear back from MOHELA, and called them over two days. The first time ( XX/XX/XXXX ), there was an hour wait and the individual who first spoke to me was unable to help me and placed me again on hold. I hung up and called the next morning ( XX/XX/XXXX ), and the representative was much more helpful but was unable to explain why my account was not being placed into administrative forbearance, as per the Federal Student Aid website. They mentioned they weren't sure why there was this discrepancy and mentioned that most accounts were not being placed into administrative forbearance. Instead, my only option was to request regular forbearance with interest still accruing, and the length of this is only for 60 days so I need to call back again in XX/XX/XXXX and go through the whole process again.
Product: Credit reporting or other personal consumer reports

Your response has greatly angered me! How can you dismiss my request for help with my credit report as if it's unimportant? Your explanations are illogical, and it seems like you're completely ignoring my concerns. I am not playing games I genuinely believe I am a victim of identity theft. I have provided you with all the evidence like my FTC report and you are suggesting that I made a mistake or lied? Seriously? I need you to reconsider and ensure accuracy this time. Other credit bureaus like XXXX and XXXX have already removed the accounts from their records due to the inaccuracy of the accounts, and Im wondering why youre still reporting these accounts? Kindly remove the accounts from your records. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Date Filed : 2019-06-19-Dismissed XXXX  XXXX BANKRUPTCY
Product: Student loan

I have been paying American Education Services on an original loan of XXXX ( combined ) for over 10 years. I have taken some deferments. My loan is currently at XXXX. The lady that I spoke with told me I had XXXX loans that cost over a total of XXXX???? I informed her that I have never had that much money borrowed. She told me it 's a " mute point now '' and refused to explain to me where she was getting that figure. That amount is simply incorrect. I want to find a loan program where my payments make a difference. Do you have any suggestions? I will be XXXX years old before I pay this loan off if I do not find a product that helps me to pay my loan down. I am confused and angry.
Product: Mortgage

I was in forebearamce due to covid. I never received documents relating to modification. I have tried and they have taken payments but send back refund because they want entire balance due. I have tried repeatedly to speak with home preservation representative but has not emailed or called back. You get misinformed & misinformation relating on what to do about loan. I have tried to tell them I was in forbearance & have a FHA loan but not trying to work with me even though I have tried to make payments. They sent a package to answer questions relating to ability to repay on XX/XX/XXXX but say I must pay over XXXX by XX/XX/XXXX. I can pay monthly mortgage but I dont have XXXX. Please help!!!
Product: Debt collection

Wells Fargo promised to collect {$300.00} Special Handling dept per XXXX to make XXXX consecutive minimum payments with the collections Department. When I call collections, {$350.00} is demanded. I advised of receipt of a letter from the executive dept stating min payment of {$300.00}. Collections connected me with special handling dept. A representative who barely spoke XXXX is telling me that XXXX is no longer with the company. No info regarding {$300.00}. 

I want to get on a hardship program. 

I was promised that if I make {$300.00} for 3 months in a row, special handling would give me the program. Now the collections just want to take a payment and not apply it to XXXX of the XXXX payments towards the program. I was lied to!!!
Product: Checking or savings account

On XX/XX/XXXX, I received a text message from Ally Bank stating that they believed that our checking account was receiving fraudulent charges and they had put a hold on our debit card/checking account. I then looked at the bank account and saw that there were many charges that I did not authorize, in fact there were around XXXX fraudulent charges made from XX/XX/XXXX and XX/XX/XXXX. Ally bank refunded all but XXXX fraudulent charges. The other fraudulent charges they claimed were fraudulent, but XXXX charges they said were not fraudulent. These XXXX charges that they refused to reimburse were made by a 3rd party merchant named " XXXX ''. Ally Bank has a policy that states they do not reimburse for 3rd party merchants. Ally Bank told me to fill out a form listing all charges including the dispute numbers, date, amount and merchant. I filled out the form and sent it in to Ally Bank for them to help with the recovery of the funds. This was on XX/XX/XXXX. They said it could take up to 90 days to get a response. On XX/XX/XXXX I received XXXX letters from Ally Bank in the USPS mail stating that " Our research indicates that the transaction was authorized and is correct. We've attempted to resolve the disputed transaction with the merchant on your behalf, but the merchant has not provided a reversal of the disputed transactions ''. This is not true, I never authorized those XXXX charges on my account. Below I will list the dispute numbers, date it took place and amount. We also have filed a police report with the XXXX, XXXX XXXX police department, and the Federal Trade Commission. 

Dispute number, date, and amount XXXX, XX/XX/XXXX, {$200.00} - XXXX, XX/XX/XXXX, {$24.00} - XXXX, XX/XX/XXXX, {$20.00} - XXXX, XX/XX/XXXX, {$14.00} - XXXX, XX/XX/XXXX, {$52.00} - XXXX, XX/XX/XXXX, {$75.00} - XXXX, XX/XX/XXXX, {$42.00} - XXXX, XX/XX/XXXX, {$1.00} - XXXX, XX/XX/XXXX, {$230.00} - XXXX, XX/XX/XXXX, {$10.00} - XXXX, XX/XX/XXXX, {$20.00} - XXXX, XX/XX/XXXX, {$20.00} - XXXX, XX/XX/XXXX, {$50.00} - XXXX, XX/XX/XXXX {$50.00} - XXXX, XX/XX/XXXX, {$50.00} - XXXX, XX/XX/XXXX, {$10.00} - all these charges were made by " XXXX '' totaling {$880.00}
Product: Money transfer, virtual currency, or money service

XXXX : Complaint Against PayPal 's Automated Risk Checks** **Dear XXXX XXXX XXXX  XXXX XXXX I am writing to file a complaint against PayPal regarding their automated risk checks, which have caused significant inconvenience and financial loss. 

**Details of the Issue : ** XXXX. **Automated Risk Checks** : PayPal 's system frequently declines my transactions due to automated risk checks, despite my account being in good standing. 
XXXX. **Financial Impact** : These declines force me to use alternative payment providers, resulting in additional fees and wasted money. 
XXXX. **Customer Experience** : The system 's inaccuracies make it difficult to add money to my account, which is essential for my financial management. 

**Attempts to Resolve : ** I have contacted PayPal multiple times to address this issue. Their response indicates that these risk checks are standard and can not be permanently deactivated. They suggested temporary adjustments, but this has not resolved the ongoing problem.
Product: Credit card

I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS
Product: Checking or savings account

Opened 4 CDs on/around the time Ally bank offered a bonus promo offer that they would not extend to me
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX XXXX XXXX, I do not have a contract with XXXX XXXX XXXX they did not provide me with the original contract as i requested
Product: Debt collection

I received a Collection notice from Frost -Arnett Company dated XXXX XXXX, 2015 for the amount of {$70.00} in regards to a debt owed to XXXX . This amount was sent to collections without any prior notice to me from the XXXX even when I was making regular monthly payments on my account ( see attached documentation ). 

Because I am disputing the reason this was sent to collection, XXXX AND Frost -Arnett Company should not report it to any credit reporting agencies. If they have already reported any debt, please contact the credit reporting agencies, inform them that I was making payments and that the reported debt in dispute should be deleted from my credit report.
Product: Credit card

I booked tickets for flights to XXXX with XXXX. This was made on XXXX. I utilized a loan company to finance the tickets called Affirm.com. The following day a war broke out and I called XXXX to cancel my reservation. They did this without hesitation. When I booked this ticket Affirm.com charged my XXXX XXXX {$3700.00} for the deposit. I was told my Affirm this would be refunded to me. It was not done. I contacted XXXX and disputed the charge. The put a credit on my account. XXXX month later the Affirm.com charge reappeared on my XXXX bill. I contacted XXXX and they told me that Affirm refused the refund. I called Affirm who advised they did not do so. XXXX reopened the dispute however Affirm has not released the funds. I have had multiple calls with Affirm and XXXX. At times I have had three-way calls. Each company is blaming the other. Affirm has continued to tell me they are working on the situation however they now tell me it's up to XXXX to give me my money back. I submitted a claim such as this to XXXX and XXXX has now come back to me stating that Affirm is responsible for refunding me the money. I can not tell you how much time I have been dealing with this. I have copies that the flights were cancelled with no penalty and a message from Affirm that the loan was cancelled. They are claiming they never took a deposit on my XXXX card, but this is totally false. I don't know what to do.