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

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I made a purchase from XXXX XXXX in the amount of {$100.00}. **, and I must have hit submit twice because I was charged {$210.00} but the transaction failed to go through due to an address problem. I called Chime Bank Customer Service and was notified there was nothing they could do until the transaction processes. Several days later, I log in to my Chine account and the transaction is not longer listed in my transaction history and my {$210.00} has mysteriously disappeared. I call Chime Customer Service again and after talking to a representative for several minutes I'm told the transaction never happened despite me sending them the screenshot from the vendor showing the failed transaction, a screenshot from the Chine app showing {$210.00} being charged to my account. I ask for a supervisor and the supervisor tells me the same thing despite the evidence I sent them.
Product: Credit reporting or other personal consumer reports

These Account and inquiries are incorrect, since i do not recognize them, please investigate and delete them Account : XXXX XXXX  XXXX Account number : XXXX Balance : {$120.00} Date Opened : XX/XX/year> Inquiriers : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

In XX/XX/2017, I attempted to contact XXXX XXXXXXXX XXXX to cancel my month to month membership on multiple occasions, never receiving a return call from my membership representative, XXXX XXXX. I relocated away from the gym, and have not been on the property since XX/XX/2017. 

As a last resort, I went ahead and contacted Bank of America to place a stop payment on the automatic withdrawal being removed from my account. After Bank of America went through their 90-day due diligence process, they successfully completed the stop payment, and returned all funds to my account. 

After receiving collection notices from XXXX XXXX via my email, I contacted XXXX XXXX ( Corporate Collections ) via email to notify her of the situation. All of the sudden, on XX/XX/XXXX {$330.00} is deducted from my account. 

Bank of America informed me that there is nothing they can do about this, since, " XXXX XXXX changed their name on the ACH in order to get the charge through ''. Bank of America also told me there is nothing they can do to get my money back, even after a successful stop payment was placed on XXXX XXXX. I would need to change my account entirely. 

XXXX XXXX informed me they will not return my {$330.00} as my membership was active, and only formally canceled when XXXX received my email regarding the situation. 

I will be closing my Bank of America account, as this is a complete disgrace to their attention to customer account security. As far as XXXX XXXX, their behavior, customer service, and collection tactics are simply " criminal ''. 

I'm never one to complain, but I've been driven to the edge on this situation. One company will go to any length to bill for services never rendered, and a bank unable to protect its most valuable assets, it's customers!
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. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX  : # XXXX, Dept of ED/XXXX : # XXXX, XXXX XXXX XXXX XXXX  : # XXXX, XXXX : # XXXX, XXXXXXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX Account # XXXX, Dept of ED/XXXX # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, and much more is incorrect? According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 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.

Also, they aren't even in compliance with Metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

My sons mother XXXX XXXX stole my information to get a car in my name that I never co-signed for
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX sending the attached document via email and mail. XXXX has refused to remove this account that should not be reporting on my consumer report. XXXX  is in violation of several laws and I am demanding deletion of this account on my consumer reports. 

The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. Therefore this account should not be reporting on my consumer report. 

I have recently come across inform from the Federal trade Commission ( FTC ) more specifically the GrammLeachBliley Act 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 
( b ) OPT OUT ( 1 ) IN XXXX XXXX XXXX may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

XXXX  did not disclose this information to me that is required by federal law. 
XXXX  knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and unaffiliated third parties. 
XXXX  knowingly and willfully withheld information that explained how I the consumer can exercise that nondisclosure option. 

I have also requested all correspondence sent via mail but XXXX continues to email me. I do not monitor email and I need every communication sent via mail to my address on file with the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted A complaint with this company back in XXXX. They responded to the complaint stating I insurance A XXXX XXXX and A XXXX XXXX which is incorrect. As stated prior I have NEVER had insurance with XXXX  insurance and these vehicles where not mine as I was A victim of identity theft which is a ongoing matter TODAY. This company ASSUMED these fraudulent accounts belonged to me when I am In data base showing as A ID fraud victim. H They have knowiny broken multple laws and violated my rights as A consumer. They failed to validate the debt within 30 days and although in the last complaint they said they would send validation they sent what would be considered in court as verification. They sent A billing statement which in no way shows I opened this fraudulent account. Again, I am requesting all credit reporting be removed and I will be moving forward with civil court to address this business as A whole. I have made it clear this account did not belong to me, Ive also never recieved debt validation nor do they have any proof that this account was indeed opened by me. When i spoke to progressive I was told the accounts where open online and they where unsure who opened the account and I have that on recording to play in court. This company will be sued if they fell to remove all of this inaccurate reporting ASAP!
Product: Credit reporting or other personal consumer reports

I cant stress enough how frustrated I am with the errors on my report. These inaccuracies are dragging my score down and costing me real opportunities. Ive worked hard to manage my finances, and its completely unfair to see my efforts undone by someone elses mistakes.
Product: Credit reporting or other personal consumer reports

I have identified information on my credit report that resulted in identity theft. Inaccurate, invalid information is furnishing on my credit report without my consent. 15 U.S.C. 1681g Please see attached :
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been working with XXXX XXXX. They had them removed. 2 came back under another collection agency.Original collection agencies : XXXX 1st delinquency XX/XX/XXXX. Balance as of XX/XX/XXXX is XXXX. XXXX XXXX XXXX 1st Delinquiency date XX/XX/XXXX. Balance as of XX/XX/XXXX is XXXX. They reappeared under new collection agencies. XXXX XXXX Open date XX/XX/XXXXand Diversied Consultant Open date XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on a previous dispute I filed regarding a 30-day late payment that has been inaccurately reported on my credit report. The dispute was submitted on XX/XX/year>, and, to date, I have not received satisfactory proof that the late payment was accurately reported. 

I am requesting the following information as it pertains to the resolution of my dispute : The name of the person who conducted the initial investigation for my dispute dated XX/XX/year>. 
All documentation, records, and proof used in the investigation and verification of the reported late payment. This includes any communication between the creditor and the credit bureau that substantiates the reported information. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report, and it is the responsibility of the credit bureau to conduct a reasonable investigation and provide all relevant information used to verify the accuracy of the reporting. 
Please note the following consumer rights that apply to my dispute : Section 611 of the FCRA ( 15 U.S. Code 1681i ) - This section outlines my right to dispute inaccurate information and your obligation to perform a reasonable reinvestigation within 30 days of receiving the dispute. It also requires that I be provided with the results of the investigation, including all supporting evidence. 
Section 609 of the FCRA ( 15 U.S. Code 1681g ) - I have the right to request all information that you have in your file regarding the disputed account, including the identity of anyone who has accessed my credit report and any documents you used to validate the disputed information.

Section 623 of the FCRA ( 15 U.S. Code 1681s-2 ) - Creditors are prohibited from reporting inaccurate information to the credit bureaus. They must also investigate disputes and provide accurate updates to credit bureaus if their reporting is found to be incorrect. 
I respectfully request that you provide me with the requested information and documents as soon as possible. If you fail to provide sufficient evidence supporting the accuracy of the 30-day late payment, I expect the incorrect information to be removed from my credit report immediately. 

Thank you for your prompt attention to this matter. Please provide all requested materials in writing within the timeframes outlined by law.
Product: Credit reporting or other personal consumer reports

This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account.
Product: Debt collection

Complaint against SCJ Commercial Financial Services XXXX XXXX XXXX XXXX, DE XXXX XXXX ) I wrote them a Do Not Contact Letter, and they continue to contact you 2 ) They claim to be a debt buyer but have not provided you a chain of title documents showing your original contract, their Bill of Sale , and a list of accounts purchased that includes your alleged account. 
3 ) Resolution : You want the issue to be resolved with them providing you this documentation, and in the event, the documents fail you want the CFPB to punish them and stop contacting you.
Product: Credit reporting or other personal consumer reports

I am asking for your help with this incorrect account thats showing up on my credit report. Ive brought up this issue because its damaging my reputation, and I need your help. The way my credit report was managed has put me in a tough spot, as this incorrect reporting has hurt my reputation. Please correct these mistakes so I can live with my family.
Product: Credit reporting or other personal consumer reports

I requested a 1099-C, but XXXX stated none was issued. Yet, the account is still reported as a charge-off while you continue collection efforts, which is inaccurate and misleading.
Product: Bank account or service

On  XXXX / XXXX /  XXXX  , I received an ema il from Chase Debit Card Fraud Prevention alerting me to 2 fraudulent charges on my debit card that  were made in the city of  XXXX  on the same day  ( one  for {$66.00} at  XXXX   XXXX   XXXX , the other for {$870.00} a t Best Buy  ). I calle d Chase , as directed in the email, to let them know that these were not my charges. Not only have I not been to  XXXX  in  5+  years, I also have never physically used my debit card, as any examination of my account will sho w ( m y husband is also on the account, and we only use the account to make auto-payments ).     While the {$66.00} was reversed, I am still in a dispute with  Chase about the {$870.00} charge to this day. I have been on numerous calls with supervisors in their claims department and have even conference-called the manager  at the Best Buy with a  Chase claims supervisor to try to resolve the issue. In total, between my husband and I, we have likely spent 10 hours on this disaster. Furthermore, Chase  has promised a minimum of 3 times to call me back to update me on the matter, and they never do. We just get letters saying that they are not reversing the disputed charges, despite promises of updating me.   
How could it be that they would reverse one c  harge and not the other, when they were made in the same city on the same day within hours of each other. Not to mention I called to let them know that these were not my charges! And have repeatedly called back to check on the fraud status. Also, again, as any examination of my account will show, I have never physically used the card previously. And yet I ca n't get anyone at  Chase to  help me.     The amount of time we have spent on this issue is absolutely unacceptable. It 's as if the consumer has no rights, and we are just to accept this fraudulent charge sitting down. How can that be? How can a bank as large  as Chase do   this? I am hoping filing this complaint will help me resolve the issue, so I do n't have to spend another minute fighting this ridiculous fraud and this joke of a claims department.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX  are both showing two Bankruptcies on my credit file. I have disputed several times because I know that is not correct. Each time they both indicated it was valid. I disputed the information with XXXX XXXX directly and they indicated they did remove it. The two bureaus have yet to do so
Product: Checking or savings account

I opened a US Bank Business Silver Checking Account on or around XX/XX/XXXX of XXXX  with the promo code XXXX, which was accepted as a valid promo code. 

The reward was a {$500.00} bonus deposited into the account. 

I also called in and confirmed twice that the promo code was attached and the terms which were - Deposit XXXX  XXXX within 30 days of opening the account and maintain the balance for 60 days - Enroll in the US Bank Mobile App I deposited {$3000.00} on XX/XX/2023, within the 30 day requirement. I kept these funds in the account until XX/XX/2023, after the 60 day requirement I also have the business checking account enrolled in the mobile app, fulfilling all of the requirements. 

It has now been over a month since the requirements were met and I have not received the bonus.
Product: Checking or savings account

I tried to send a wire from my checking account after going through the verification process they told me I needed to upload my license which I did then they said I need to send verification form notorized which I did now they blocked my phone number I cant call the bank I cant talk to anyone I cant use my card I cant access my money {$5300.00} plus dollars nothing they just robbed me and are acting like Im the bad guy when they just stole every XXXX I got
Product: Student loan

I went to XXXX XXXX XXXX XXXX. 
Which was later seen to have been predatory. For a while after graduation, summer of XXXX, after i was in repayment, i had a hard time finding the ability to keep up with payments. There was a call i remember i was brought to tears by how aggressive the caller was. I was asking about what my options were as far as repayment. I was told that since i was refusing to make payment that they would keep calling me and my cosigner. The end result of the call was me being put into a repayment program that would be for 6 months bring my payments down to XXXX $ every 2 weeks. And like clock work, since my financial situation, ( not for a lack of trying ) never got better, every 6 months, after verifying my bank accounts and job history. I would be presented with another forbearance/repayment option which would bring my payment down to an amount that allowed me to pay rent /eat /live. This continued from XXXX through covid/ and me going back to school when able. In XXXX after making bigger payments monthly i was asking for copies of payment history to see if i qualified for loan cancellation after the lawsuit went public. 
I was then told i didnt qualify because i hadnt been deferred. I asked for proof. Never received my full transaction documentation.
Product: Credit reporting or other personal consumer reports

I have reported to the Fraudent Utilization on my accounts and receive a automated email from this company at XXXX stating ( We received the fraud block request you recently sent to TransUnion. TransUnion takes cases of identity theft very seriously and investigates all such allegations thoroughly. However, TransUnion at this time declines to block the information you have identified because either the item reflected a history of previous payments made, a history of previous disputes, other than ownership, or was opened prior to when the fraud was reported to have occurred. 

Therefore, in accordance with Section 605B of the FCRA, we have determined that the block request may have been made in error ; is a misrepresentation of material fact relevant to the request to block and/or you have obtained possession of goods, services, or money as a result of the transaction. ) I am demanding a reinvestigation, as before when I had ask them to investigate they did not and I did my own investigation to find that my information was stolen and utilize by another individuals for several purpose and the companies were trying to hold me responsible. 
ONce again I would like for them to properly reinvestigate and remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
As stated in my request the information requested to be blocked was paid and done so in full until it was utilize by unauthorized persons, and the numerous errors placed on my account. I would like for you to reinvestigate and removal of this information according to the pursuant of section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. You continue to violate my rights in accourdance with the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, Please provide the names and business adress of each individual with whom you verified this information so I can once again personally follow up. Please send me a complete copy of my credit report after your reinvestigation.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to address multiple unauthorized and inaccurate entries on my credit report. Despite XXXX 's thorough investigation and removal of these items, Experian has continued to report the following unauthorized accounts and an inaccurate late payment : 1. **Unauthorized Accounts** : - XXXX XXXX Account number : XXXX - XXXXXXXX XXXX  XXXX XXXX Account number : XXXX - XXXX XXXX XXXX XXXXXXXX XXXX Account number XXXX XXXX XXXX. **Inaccurate Late Payment** : XXXX XXXX XXXX XXXX, Account number : XXXX I have previously sent dispute letters to Experian, yet my disputes were marked as " verified '' without a proper investigation or notification of the verification method. This is a clear violation of the Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681i ( a ), which mandates that credit reporting agencies conduct a reasonable investigation of disputes. Furthermore, Experian has failed to provide the method of verification as required by FCRA - 15 U.S.C. 1681i ( a ) ( 7 ). 

Experian 's negligence also breaches the requirements under FCRA - 15 U.S.C. 1681e ( b ), which obligates credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information reported. Additionally, the continued reporting of inaccurate information from XXXX XXXX XXXX violates the Fair Credit Billing Act ( FCBA ) - 15 U.S.C. 1666 ( b ), which mandates accurate billing and correction of errors. 

Despite providing substantial evidence and XXXX removing the disputed items, Experian continues to report these inaccuracies, causing significant damage to my creditworthiness and financial standing. This negligence has resulted in emotional distress and potential financial losses due to higher interest rates and denial of credit.