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

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting 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 U.S.C 1681. 

Account name : XXXX XXXX  Account # XXXX Account name : XXXX XXXX Bank Account # XXXX Account name : XXXX Bank Account # XXXX Account name : XXXX BANK XXXX Account # XXXX Account name : THE XXXX XXXX Account XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXXccount # 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 : 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

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRY COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXXDate of inquiry XX/XX/2020
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain hard inquiries that have appeared on my credit report. I recently obtained a copy of my credit report from your agency and was alarmed to discover the presence of these unauthorized inquiries. Please see letters for the inquiries that I am referring to.
Product: Debt collection

I have stayed in contact with them on several occasssion. I have maintained my payments on a monthly basis however recently I have been experiencing financial hardship but still maintained to make my payments. Good payments no return payment history. Every time I speak to some one they advise me because I have already gotten assistance I dont qualify. I understand and advise them that I have every intentions to pay which I do and have statements that show I do and where I have fallen behind due to hardship. Today I spoke with someone and told her XXXX was her name in collections that I had to change my payment date from the XX/XX/XXXX to the XX/XX/XXXX due to financial hardship. The payment was set up and she said her manager will be cancelling my payment and repossing my car. I have done everything I could as a single mother to make sure my car doesnt get repoed and for some reason it seems they just want to threaten me and repo my car. I have not had previous good communication with this company and having to pay my car for 3 years and still owe so much for a 4 year old car worries me even more. I dont know what to do anymore.
Product: Credit card

Synchrony Bank, during the month of XXXX 2015 closed my Amazon Credit Card Account XXXX. Synchrony Bank failed to properly provide reasons of why my account was closed ; for this is a violation of the Equal Credit Opportunities Act. For only XXXX reason was given by Synchrony Bank in which it stated the Amazon Credit Card account has been closed due to returned payments. The referenced returned payments were additional payments on the account ; any and all payment that was due for the regular monthly payment were never returned nor has any account been late. 

According to the Equal Credit Opportunities Act Synchrony Bank 's reason was not specific to the account it closed and the reason was only XXXX which did not apply to the referenced account. Due to Synchrony Bank 's discriminatory acts which Synchrony Bank disproportionately utilizes against its minority consumers in violation of the Equal Credit Opportunities Act this has caused me damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

identity theft someone use my information to rent an apartment and left with huge amount of unpaid rent on my name
Product: Credit reporting, credit repair services, or other personal consumer reports

USAA SAVINGS BANK XXXX  Closed
Account number
XXXX
Account status
Closed
Date opened
XX/XX/2014Account type
Credit Card

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

I entered into consumer credit transactions in which I used my credit card as defined under 15 USC 1602 ( L ). Because I was the original creditor ( 15 USC 1602 ( g ) ), that was a private matter between me and said companies in which I extended the credit as the original creditor, but was then made public through my information being shared publicly in a consumer report by Equifax, which is a violation to my rights to privacy as a consumer. Furthermore, Equifax exercised unauthorized use ( pursuant 15 USC 1602 ( p ) ) by reporting my credit information ( publicly ) without my consent, which didnt benefit me, violating my rights as a consumer with the reported information ( see attached exhibits ). As a result, I experienced damages in the form of embarrassment and anxiety.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. 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 to be removed/updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am no longer disputing Fair Collection and Outsourcing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off on XXXX XXXX. I told the credit bureaus to " investigate EVERY piece of information '' on the accounts I have listed below. I stated 15 USC 1681 andAlso, I have attached tracking info XXXX 
According to the FRCA, the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living, is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on, or with others with whom he is acquainted or whom may have knowledge concerning any such items of information. 

They stated my account was verified nut how is that possible if they did not do a proper investigation according to the law? Also, every piece of information on these accounts are still not reporting 100 % accurate and according to the FRCA USC 1681, everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 

Accounts : XXXX XXXX  -Acct # XXXX XXXXXXXX XXXX- Acct # XXXX XXXXXXXX XXXX XXXX - Acct # XXXX XXXX Acct XXXX XXXX XXXX. XXXX XXXX Acct # XXXX XXXX # XXXX XXXX. XXXX XXXX Acct # XXXX XXXXXXXX XXXX Acct # XXXX XXXX. XXXX XXXX Acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX my Husband and I filed for XXXX XXXX  XXXX  We did NOT include our auto loan with XXXX XXXX XXXX XXXX in the bankruptcy, it was " Direct Pay, Notice only '' payments to be made by the debtor ( s ). On XX/XX/XXXX our bankruptcy was declared " Paid in Full '' and fully discharged. To date we have paid the loan on-time, we have never been late, missed a payment or under paid the amount due. We have been out of bankruptcy for 15 months and XXXX has still not reported our on- time payments correctly, citing " Discharged under Bankruptcy '', " Account Closed '', to the credit Credit Bureaus XXXX As of next month we will still have approximately 14 more payments due. We have contacted XXXX numerous times as well as all 3 credit bureaus to dispute this. XXXX continues to keep our loan in their " Loss Mitigation Dept. ", the department manager XXXX XXXX, says they have done everything they cant do, and blames the credit bureaus, the credit bureaus say they only report what the receive. We check our credit regularly and pay monthly for XXXX credit monitoring, to date nothing has changed.
Product: Mortgage

I have already filed a complaint with the CFPB against my mortgage loan servicer, Nationstar Mortgage, reference number : XXXX. However, my mortgage loan is actually owned by XXXX Bank, so I understand I must file this separate complaint against them. XXXX Bank had securitized my loan prior to and during the financial crisis. I have been attempting since XXXX to get a loan modification and principal reduction from XXXX Bank through my loan servicers, first XXXX XXXX XXXX, and now Nationstar, but XXXX Bank has always refused, stating that they do n't give loan modifications or principal reductions at all. Prior to Nationstar, my loan was serviced by XXXX XXXX XXXX, which churned my requests for loan modifications for a period of 3 years. When I brought in the California XXXX during the financial crisis to deal with XXXX, XXXX XXXX XXXX gave me a " loan modification '' that had much higher payments than my previous ones, and then promptly sold my mortgage to Nationstar within days, with an additional {$120000.00} in fees tacked onto my mortgage, making my mortgage greatly underwater and making it so I have struggled terribly financially since then to keep my home, having to work up to XXXX jobs at a time, file bankruptcy, and lose all my retirement. I continue to struggle greatly to keep my home that is still underwater because of this financial abuse by these mortgage bankers, in particular XXXX Bank, which has always refused to modify my heavily securitized mortgage. XXXX Bank just settled with the U.S. Department of Justice for their criminal mortgage practices XXXX XXXX and are supposed to provide relief to consumers in the form of loan modifications and principal reductions. My home is in the foreclosure process, due to be sold XXXX XXXX, XXXX, and I am filing for a loan modification this week, and I want to be certain that XXXX Bank is required under the new mortgage settlement to apply a loan modification and principal reduction to my mortgage as soon as possible to rectify their abuses against my mortgage loan and myself from their criminal mortgage practices.
Product: Checking or savings account

We were scammed By selling our baby crib & they used XXXX & we received an email we had to send money to them to verify acct & XXXX would sent it back & they could pay us then. It was a scam & we lost {$500.00}. This happened on XX/XX/2022. 

Im trying to work with my bank but we cant be guaranteed that they will refund the money.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. 

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

Dear Sir/Madam, This is my second request for details of the procedure you followed when investigating accountnumber [ account_name ] with [ bureau_name ]. 

I sent you a request for this informationand have received no responsePer the Fair Credit Reporting Act, a consumer may request a description of the procedure used todetermine the accuracy and completeness of disputed information. It also states that the creditthe bureau shall provide a description of such investigations within 15 days of the consumer 's request.

It has been well over 15 days which means that you are in violation of the FCRA.To avoid further action, please forward to me a description of the procedure taken in order todetermine the accuracy of the account number [ account_name ] including but limited to, the nameof the creditor, along with their address and phone number. 

Also, I want to know who you spokewith and on what date. 

Please forward this information to me within 15 fifteen days of receipt. As I have previously stated, this account is incorrect and needs to be deleted. Please send me a corrected credit reportalong with the description of your investigation.
Product: Checking or savings account

I've been banking with CHIME FINANCIAL INC.. ( CEO XXXX XXXX XXXX Co-founder XXXX XXXX XXXX who is partners with XXXX XXXX XXXX XXXXXXXX since XXXX and never had an issue until now. on XX/XX/2023 through XX/XX/2023 there was a total of {$100.00} taken out of my account between 6 unauthorized transactions made in my checking 's account through the merchant XXXX XXXX. My debit card was in my possession that day and never gave anyone my card information. I always memorize my card pin, card number, expiration date, etc. I never write any of that information down. I called Chime Financial Inc that same day, on XX/XX/2023 to report those transactions as unauthorized and made a dispute due to the fact that I never owned an XXXX console and never created an XXXX account with my own personal information. I don't have any family members or anyone that I know that owns a XXXX. Chime Financial Inc. started an investigation and in the meantime were able to provide me with a credit of {$100.00}. Upon investigation being completed, Chime Financial Inc stated that there were no error that occurred and reversed the credit from my checking 's account on XX/XX/2023. I didn't realize they reversed the {$100.00} out of my checking 's account until this happened AGAIN and more unauthorized transactions were taken out of my checking 's account on XX/XX/2023 through XX/XX/2023 in the amount of XXXX between 5 unauthorized transactions. After going through my " bank '' statements, Again I called Chime Financial Inc to report unauthorized transactions from the SAME merchant XXXX XXXX and dispute those charges. While that investigation was ongoing, I had them reopen the first dispute I made for the {$100.00} because even though they claim to not have found any error occurred, I know for certain that I did not make those transactions. I had them reopen the first investigation at least six or seven times with supporting documentation showing proof that the charges were indeed fraudulent, I even reached out to XXXX XXXX and they were able to send me a email stating that the charges are fraudulent, and each time Chime financial Inc would deny my case and told me that there was nothing they can do and that they do not issue refunds even though they are FDIC insured which I will be reporting to them, as well as a police report and getting in contact with a lawyer, I shouldn't have to fight this hard but I will take legal action if needed and sue XXXX XXXX and XXXX XXXX. All I want is my money back in the total amount of {$330.00}. Thank you
Product: Vehicle loan or lease

So the vehicle went up for repossession. i asked for a payment plan and had hardship with loss of employment with XXXX XXXX XXXX i was hired on with XXXX now long right after but by this time i was never notified of the repo. then the car was reposessed, so i said okay fine. well then never got a letter until after it sold from auction the vehicle loan balance on my credit report is showing inaccurate. GM financial is not reporting the correct balance owed. they are reporting {$17000.00} and it should be around {$7000.00} since they claimed they sold the XXXX XXXX at auction. they have violated 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies
Product: Money transfer, virtual currency, or money service

I buy tools on XXXX XXXX the guys ask me to pay him through zelle. I do. {$170.00} on XX/XX/XXXX. XX/XX/XXXX $ XXXX the shipping fee {$60.00}. I do then a clearance fee {$87.00} then another clearance fee {$87.00} because the guy asking for it said he reached his limit on the email address he gave me to send his money. So he said after work he would send the money refund it back. And the seller said he would refund {$60.00} I accidentally send him extra. Also he wont give me the full tracking number for the package. He paints out the middle.
Product: Debt collection

I XXXX XXXX entered a consumer credit transaction with XXXX XXXX XXXX XXXX XXXX on XX/XX/19. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. the finance charge does not include cash but XXXX XXXX XXXX XXXX XXXX took cash. The finance charge its suppose to include insurance but XXXX XXXX XXXX XXXX XXXX made me purchase insurance separately.
Product: Checking or savings account

I need a debit card to access my XXXX funds. I'm being charged management fees. I've called XXXX times on different occasions over the past year trying to get a debit card, and every time they say they resolved the problem. I never received a debit card from any of these calls but they continue to send my statements of how they're billing me a service fee. When I've called and asked to about my case numbers or to talk to a manager, the customer service tells me that they will fix the problem and it starts over again. I've never once gotten to talk to a manager or even leave a message.
Product: Debt collection

Was mailed two garnishments with two different amounts stating that the garnishments were from my county local court offices. When I contacted my local court offices for a date to appear and to resolve the issue my local court stated that they did not have a date or any information for that case #. I also asked my local court why did I receive two garnishments with different amounts and the court representative informed me that the paper work I was speaking of did not come from the courts. I called the attorney that was on the paper work and I formed the attorney of what the court communicated to me that I am only legally obligated to pay what is on the garnishment paper work. Both garnishments had to different amounts and dates. The attorney then informed me to only pay the amount on the second garnishment for the lessor amount even though I received two garnishments on the same day for two different amounts and NOW is trying to collect more than what was on both garnishments stating that interest in incurred daily. I made a payment on XX/XX/XXXX and in less than 9-days there is over {$21.00} in additional interest. My local court office and the garnishment states that I am only suppose to pay the amount on the garnishment paperwork. Also payment receipts mailed to me by the attorney office is not accurate and I can confirm with banking records/documentation and the documentation of payments are not correct from the attorneys office and looks to be altered to favor there practice. 

For example I made a {$500.00} payment on XXXX before noon eastern time and my receipt says I made the payment on XXXX and the statement states the payment was received on XX/XX/XXXX and my bank statement paid the merchant on XX/XX/XXXX.
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. 

Account XXXX : XXXX XXXX Account XXXX : XXXX
Product: Debt collection

I have disputed this debt numerous times and this company continues to report on my credit. These charges are not mine they are a result of fraud and forgery. i have submitted affidavits many times and they continue to collect and report on credit.
Product: Credit reporting or other personal consumer reports

Was advised my personal information was leaked and used to get multiple cards as well as file for unemployment in a state that I dont live in
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Removal of Unauthorized Hard Credit Inquiry, Fraud Alert, and Editing/Removal of Personal Statement I am writing to address several concerns regarding my Equifax credit report. Firstly, I would like to request the removal of an unauthorized hard credit inquiry initiated by XXXX XXXX XXXX XXXX ( XXXX ) from my credit report. Secondly, I kindly request the removal of an active fraud alert that is currently placed on my credit file. Lastly, I would like to address the editing or removal of my personal statement from my Equifax credit report. 

I recently discovered an unauthorized hard credit inquiry on my Equifax credit report that was initiated by XXXX. This inquiry was conducted without my consent or proper understanding. The user interface provided by XXXX was misleading and led me to believe that I was undergoing a pre-qualification process, rather than having my credit run for the purpose of initiating a hard inquiry. Under these false pretenses, I unknowingly proceeded with the actions on the XXXX platform that resulted in this unauthorized inquiry. Therefore, I kindly request the immediate removal of this inquiry from my Equifax credit report. 

Furthermore, there is currently an active fraud alert on my Equifax credit file. While I appreciate the initial placement of the fraud alert as a security measure, I have since resolved the fraudulent activity and no longer require the alert to remain active. Therefore, I kindly request the removal of the fraud alert from my Equifax credit file. 

Lastly, I would like to address the editing or removal of my personal statement from my Equifax credit report. I understand that circumstances can change over time, and I would like the flexibility to update or remove my personal statement as needed. 

Please note that I have attempted to resolve these matters through direct communication with representatives at XXXX XXXX XXXX XXXX. However, I have not received satisfactory assistance, which has led me to submit this request through the CFPB website. 

Thank you for your attention to these concerns. 

Yours sincerely,
Product: Credit reporting or other personal consumer reports

I have tried to get my credit report from TransUnion and they keep stating they are unable to give me access to my credit report and that my identity can not be verified even when I put in my personal information and correct verification answers to the questions given. This is a violation of FCRA and XXXX laws because I the consumer must be given access to my credit report annually.