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

I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 47days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$8400.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX  endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  ( Original Creditor : XXXX  XXXX XXXX  XXXX ) XXXX Balance : {$1000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Payday loan, title loan, or personal loan

I apply for an on line loan with Lending Club and was approved for an unsecure loan for 35K at a fixed interest rate for 5 years with a payment of {$980.00} by the XX/XX/XXXXof each month. I have been paying on this account for 3 years with a balance owed 26K. Due to high medical cost for my wife and bank fraud on my checking account. I called Lending Club customer service on XXXX XX/XX/2019 after I paid {$980.00} for XX/XX/XXXXpayment. I spoke with customer care representative to explain my circumstances with medical bills and if they had a hardship payment plan they said yes and we agreed to defer XX/XX/XXXXand XX/XX/XXXXpayment and my XX/XX/XXXXand XX/XX/XXXXwould be {$470.00} until I was able to catch up after the medical expenses were paid. I was told I would receive a confirmation email. Never received a confirmation email so I made a follow-up call and was told they did not make such an arrangement. I requested for them to check and see what was documented on my account. She stated sorry there was no documentation so I requested to have a supervisor listen to the recorded conversation and please return my call. I have never received a call from any of Lending Club Managers so I called XX/XX/XXXX, XX/XX/XXXXstill no response on the payment agreement. Later I received a letter from XXXX XXXX XXXX XXXX XXXX to assist with my past due balances they stated I owe {$26.00}, XXXX. My concern is that Lending Club never mails or email out statements so you can track your actual balance so how would know what you actually owe? Now I have a third party involved but never was able to speak with a supervisor at Lending Club to discuss my payment plan and concerns over balance owed to date.
Product: Debt collection

RMP SERVICES LLC has placed an unauthorized derogatory, harmful, and damaging account/item on my Consumer report. XXXX XXXX XXXX ( a ). RMP SERVICES LLC has violated my federally protected consumer rights without causing injury, harm, and damages to my pursuit of happiness and right to utilize consumer credit. 

I have included an attachment requesting XXXX XXXX to respond point by point with verifiable facts and authenticated documentation validating that I owe them any alleged debt. XXXX XXXX XXXX ( a, b : " until debt collector obtains verification of the debt '' ). Failure to do so will result in Civil Penalties according to Consumer Protection Laws and other laws that may apply. 

RMP SERVICES LLC has no proof of claim with verified, validated authenticated documentation. RMP SERVICES LLC has violated the FDCPA 1692 and is Civilly Liable according to XXXX Civil Liability [ XXXX XXXX XXXX ] and other consumer protection laws. 

RMP SERVICES LLC has placed this alleged account on my credit report to intentionally cause harm to my pursuit of happiness by affecting my Consumer transactions for personal, family and household purposes
Product: Checking or savings account

On early morning XX/XX/2023, as I woke up and opened my phone, I immedialy saw unusual acitivites from my debit account. Someone tried to use my debit account information to purchase total of {$380.00} for XXXX  XXXX XXXX XXXX XXXX and I also got charged {$11.00} for international fee. I immedeialy called my bank Well Fargo customer service to close my card and dispute these unauthorized transactions. After 10 business days of investigation, bank customer service told me they could not get my money back because these unauthorized transactions were made by chip reader. I told them that was impossible because I stayed in USA and didnt even leave out of country to purachae something overseas. I gave them my working visa to prove. After a few days, they told me they could not get my money back because they thought I used it. I lost almost {$400.00} for buying nothing. What if it happened to me again in the future with higher amount?
Product: Credit reporting or other personal consumer reports

I am writing to address a serious issue regarding a tradeline on my credit report that is not being reported with the maximum possible accuracy. It has come to my attention that the information associated with this account is incorrect, and it does not meet the standards required for accurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Experian Credit Report # XXXX shows 'On Record Until ' on most accounts but this information is missing from the accounts listed below : XXXX XXXX XXXX/XXXX  XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX/XXXX XXXX - XXXX XXXX/XXXX  - XXXX XXXX/XXXX  - XXXX The aforementioned trade lines are incorrect. Per the FCRA incorrect information must be deleted within 30 days. Also per the FCRA consumer reporting agencies may not report outdated negative information. Many of the trade lines listed above have already been removed from my XXXX  and Experian credit reports due to the accounts being outdated. This further leads me to believe that these accounts are being reported by Experian in error and therefore must be deleted from my credit report as I have a right for all information on my credit report to be correct per the FCRA. ( See attachment XXXX ) Experian repeatedly reports incorrect information under the 'Names ' section by listing my name as XXXX XXXX - Name ID # XXXX. This is not my name, this is not the correct spelling of my name, and there are no accounts on my credit report with this this listed as my name. This entry is incorrect and must be deleted as I have a right for all information on my credit report to be correct per the FCRA. ( See attachments ID-Passport/ID-Birth Certificate ) Experian repeatedly reports incorrect information under the 'Addresses ' section by listing XXXX XXXX  XXXX XXXX , XXXX , TN XXXX-XXXX  - Address ID # XXXX. This entry is incorrect and must be deleted as I have a right for all information on my credit report to be correct per the FCRA.
Product: Mortgage

Rec'ed Letter from Wellsfargo Bank N.A ., Disputing name of Employee " On Letter dated XXXX XXXX, 2015 ... Rec'ed XXXX XXXX, 2015, Name dose n't match Phone ID caller name..XXXX XXXX ... Wellsfargo Bank N.A . As So, I XXXX XXXX am the Payer on the FHA Loan for the XXXX XXXX XXXX XXXX XXXX Arizona, I have been victom of Wellsfargo 's banking practice 's, many times buy Wellsfargo Employee 's, its hiree 's as well
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
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 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: Credit card

Synchrony Bank CONVERTED my Banana Republic store charge card to a Visa credit card. In the process they reported to the credit agencies that this account was closed and that a new account was opened. I never authorized such a change, nor did I request it, this was a unilateral conversion on the part of Synchrony Bank and the card should be reported to the credit bureaus reflecting the ORIGINAL opening date of XXXX/XXXX/2005.
Product: Credit reporting, credit repair services, or other personal consumer reports

My latest credit report ( XX/XX/XXXX ) indicates a hard inquiry by " XXXX '' ( XX/XX/XXXX ) and " XXXX '' ( XX/XX/XXXX ). It is my understanding this is XXXX XXXX and its affiliated companies and Citibank and its affiliated companies. 

For the record, I have not done business with any of these companies. I have not made a request for credit with any of your companies. I do not understand why these businesses would place a hard inquiry on my credit report. 

I would certainly be interested in an explanation by the Banks or businesses that placed this hard inquiry ; otherwise, I request that this hard inquiry be removed. 

I have mailed out similar complaint directly to the company.
Product: Checking or savings account

I tried many times to open an account in Wells Fargo Bank and every time they are unable to open the account
Product: Credit card

My discover card was charged over XXXX dollars in unauthorized charges, I have showed them proof from the vendor that this is incorrect during the time I had a dispute open with discover, now discover is trying to re bill me for all of these charges I did not make.
Product: Credit reporting or other personal consumer reports

I did not authorize this hard inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Our company " XXXX XXXX '' was issued a money order from " XXXX XXXX '' / US Bank. The money order was in the amount of {$900.00}, and was made out to our company. It was not made out to any individual. 

A third party intercepted the money order and was able to cash it at the issuing bank, located at XXXX XXXX XXXX, XXXX, CO XXXX. The third-party was not an officer of our company, and not related to the company. 

I asked to speak to the store manager about the missing check and XXXX XXXX confirmed the check was cashed to a third-party, and showed me the endorsement of the third-party who cashed it. 

When I informed them that they did not have authorization to cash that check to any stranger, XXXX XXXX became indignant and rude. She informed me " this is how we always do things, '' and " I've been managing banks for many years. '' I was alarmed that the bank cashed a check without checking endorsement, or identification. In doing so the bank has breached its duty to its customer and UCC code. 

XXXX XXXX refused to help me further and would not assist in the return my companies ' money order. 

I am filing this complaint in hopes that further damage can be prevented by the illegal actions of the teller and management from this bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 has violated my rights.

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

I discovered some unauthorized inquiries on my credit report this morning, and I have no idea why they're there. I was just doing my usual credit check, but this time there were unexpected discrepancies. I tried refreshing the browser, hoping it was just a glitch, but the unauthorized inquiries stayed. This issue has caused me so much frustration, and I urgently ask that the documents Ive submitted be thoroughly reviewed so that I can finally put this behind me.
Product: Credit reporting or other personal consumer reports

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable XXXX XXXX XXXX ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT THE FOLLOWING COMPANIES BELOW HAVE VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS THE 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 FOR EACH AND EVERY COMPANY I FAXED I CALLED I SENT CERTIFIED MAIL ALONG WITH MY REFERENCE NUMBER FROM IDENTITY THEFT.GOV WHICH IS XXXX
Product: Checking or savings account

In XX/XX/2023, I closed my account with Chime Financial and requested an account closure check. To date, after numerous requests for my funds, Chime has failed to return my funds.
Product: Debt collection

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Complaint Against XXXX XXXX and XXXX XXXX  XXXX for Unfair Credit Reporting Practices Dear Consumer Financial Protection Bureau , I am writing to formally file a complaint against XXXX XXXX XXXX XXXX XXXX  XXXX for unfair and misleading credit reporting practices that have adversely affected my credit score. 

In XX/XX/XXXX, I relocated from Maryland to California and promptly notified XXXX XXXX ( XXXX XXXX ) of my move, requesting the cancellation of my membership. Despite following the proper cancellation procedures, I continued to be charged for the membership fees, which led to an unjustified outstanding balance. This balance was subsequently sent to collections and handled by XXXX XXXX XXXXXXXX. 

Upon realizing the oversight, I paid the full amount of around {$200.00} in XX/XX/XXXX. However, this collection account was reported to the credit bureaus, resulting in a XXXX plus point drop in my credit score. This negative entry remains on my credit report, despite my immediate action to rectify the situation. 

As a recent graduate who is working to establish a stable financial footing in a new state, this significant drop in my credit score is a major impediment. It is deeply concerning that a minor billing error on the part of XXXX XXXX, which I addressed in good faith, has led to such a lasting XXXX YEAR negative impact on my credit report. 

I am requesting the CFPBs intervention to have this collection account removed from my credit report. I believe this situation is a clear case of unfair credit reporting and that I have been penalized unjustly. I have attached copies of all relevant documents, including proof of my move, my cancellation request, and payment of the outstanding balance. 

Thank you for your attention to this matter. I appreciate your assistance in helping to rectify this issue and restore my credit standing.
Product: Credit card or prepaid card

I have two Discover Cards # XXXX and # XXXX and am a long time customer. 

The interest rate on purchases on card # XXXX was lower than my card # XXXX. 

Today I noticed that my card # XXXX which has a bigger balance has a purchase APR 13.24 %. My other card # XXXX has a much lower interest rate of 11.74 %. This is a whole 1.5 % higher on card # XXXX. 

I am really not sure when this occurred and why. In the same financial climate, my card which was an older card ( # XXXX ) now has a Purchase APR of 1.5 % more than my newer card # XXXX. 

I am unnecessarily paying more interest charges and being compelled to do a 3 % Balance transfer of the balance from one card to the other card and Discover has found an excellent way without notifying me of inducing Default. 

I raised the issue with Discover but they refuse to budge. They say they can't do anything about it because my Purchase APR rates are variable. I am not sure when these APR increments took place, by how much and how frequently.
Product: Credit card or prepaid card

It is XX/XX/XXXX and I haven't received a pair of shoes I ordered on XX/XX/20. Chase refuses to redispute the charge. 

Order Date : XX/XX/20 Order Amount : {$210.00} I ordered shoes with my Chase Sapphire Reserve on XX/XX/20 from XXXX XXXX. A month later, I never received shipping information, so I reached out to XXXX XXXX. They said they would ship them in XXXX. I asked to cancel the order, and XXXX XXXX said no, so I asked Chase to reverse the charge. 

Chase reversed the charge, but then undid the reversal. I then decided to wait until XXXX to get the shoes. 

The shoes were supposed to ship on XX/XX/XXXX. I reached out to the company a few days after this, and they said they were delayed. I reached out a 2nd time, and they stopped responding. XXXX XXXX refused to cancel my order and stopped responding. 

I called Chase and asked to re-dispute the charge, and they said I should send an email to their redispute requests email address. I did this on XX/XX/20, and weeks later ( on XX/XX/20 ) I was told that my dispute was declined. I called Chase again, and they told me to send another email.
Product: Checking or savings account

I'm having some issues to use my debit card I'm in XXXX  I'm XXXX XXXX XXXX chase place a restriction on my card and they want me to step on a branch to verify me right now I have an emergency my doughter needs a XXXX and I need to pay for it her life depends of that I hope you can help me
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and frustration with the repeated unsuccessful attempts to remove charge-offs from my account. Despite multiple requests and efforts on my part, these charge-offs persist on my account statement, causing significant distress and inconvenience. 

I have diligently followed the procedures outlined by your institution to dispute and request the removal of these charge-offs. I have provided all necessary documentation, explanations, and evidence to support my case. However, despite my best efforts, the charge-offs remain unresolved. 

It is extremely disheartening to see that despite my repeated attempts and persistence, the charge-offs continue to negatively impact my financial standing. These unresolved charge-offs not only affect my credit score but also hinder my ability to access financial products and services. 

I have made several calls, sent numerous emails, and submitted multiple written requests in an effort to escalate the resolution of this matter. However, the lack of progress and the continued presence of charge-offs on my account have left me feeling frustrated and disillusioned. 

As a valued customer, I expect prompt and effective resolution to any discrepancies or errors on my account. The repeated failures to address this issue reflect poorly on your institution 's commitment to customer service and financial integrity. 

I urge you to take immediate and decisive action to rectify this situation. I request that all erroneous charge-offs be promptly removed from my account, and that measures be implemented to prevent any recurrence of such errors in the future. 

Furthermore, I expect transparent communication throughout the resolution process, including regular updates on the progress made towards resolving this matter. 

Please consider this letter as a formal complaint regarding the handling of the charge-offs on my account. I trust that you will prioritize this issue and take the necessary steps to restore my confidence in your institution. I am asking for your assisstance to remove these accounts in my credit file XXXX XXXX XXXX XXXXXXXX Balance : {$5200.00} ; XXXX XXXX Balance : {$20000.00}.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.