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

In XX/XX/2022 I contacted Experian and started a dispute to correct my personal information. I also started a dispute regarding incorrect information being reported on my consumer file. It is now XXXX and none of the request to remove the incorrect information has been corrected. In fact after speaking to a representative I was told that the information I disputed was certified as correct. I will attach copies of my report prior to the dispute, an updated report according to Experian and my current report I just pulled a few days ago. You will see that the report came back as updated and certified however the information remains the same with no updated information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello in accordance with the Fair Credit Reporting act my rights have been violated! 15 USC 1681 section 602 and 604 states that a conumer reporting agency can not furnish an account with my written consent or instructions! PLEASE Delete the following inquires : 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 reporting or other personal consumer reports

I know that FCRA 605B requires us to remove any incorrect accounts from my credit report. This is being reported inaccurately on my credit file, please remove this from my credit report. I should receive a {$1000.00} for each incorrect reporting on my credit file.
Product: Credit card

Chase Amazon Prime Visa. States 0 % interest rates on certain purchases that offer promotion. They employ deceptive practices along with Amazon hiding check boxes to enable promotional interest. Then proceed to charge you the rates claiming you did not enable the promotion. I purchased from Amazon the XXXX XXXX XXXX XXXX power station. With 12 month 0 % APR. on XXXX XXXX. I was not charged an interest rate on my first statement on XX/XX/year>, i made my payment on time but then the following month I was charged. {$6.00} on my XX/XX/year> statement and then {$4.00} on my XX/XX/year> statement. I then called customer service. Where it becomes very difficult to get a representative to talk to about the issue. They employ a voice automated service that doesn't give you the option to reach someone until you've been on the line for about 15 minutes trying to get a hold of a human representative. Who then tries to manipulate the the conversation into stating that the option to receive the promotional rate was not enabled by the buyer when it was. But both Amazon and chase are colluding into making more money with deceptive practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

After several attempts TransUnion credit report agency neglected to update wrong information in my files related to chapter XXXX Bankruptcy Because of that bad information when I applied for credit it has been denied because it said in my report that a public record appears in my file I sent TransUnion a letter from the court showing that the Bankruptcy case was dismissed but they insisted that my case was granted In the other side, XXXX  and XXXX had updated that information already I explain to them that I was ineligible to receive a discharge but them do not want to do nothing I would like you to force them to update my files with evidence I have at hand
Product: Checking or savings account

In XXXX  I deposit cashier check ( XXXX  ) in the BANK OF THE WEST in XXXX XXXX by XXXX ( MANAGER ). 
I have the receipt is done in XXXXXXXX XXXX. 
Today XXXX The money is not my account. 
I don't receive the check back. 
I don't receive the money back. 
I send XXXX email I send XXXX  fax and I go in person to the Bank. 

I need your help to recover my Money. 

Thank You XXXX XXXX cell # XXXX XXXX XXXX
Product: Checking or savings account

On Sat XX/XX/XXXX I received a text message asking if made a purchase at XXXX Text yes or no I text back no I received a call from XXXX saying they were the fraud department I was asked to check my account for any other unauthorized transactions and was told he was doing a reversal of funds it didnt sound right so i hung up and called chime back while I was on the phone the same number was trying to call me back I filed a dispute and they said they are not going to return the funds I sent screen shots of the text messages and calls I missed that shows they hacked chime number and somehow hacked my account and transferred the funds to another chime account
Product: Vehicle loan or lease

On XX/XX/2023. A loan was taken out in my name and I received inadequate information that lead me in a binding contract of conflict of interest with the service address and mailing address. Also a breach of security concerns with ACA credit lenders. On the above date ACA. Had XXXX pull my bank statements from there computer and would not accept legitimate documents from my financial branch, which put my identity and finances at risk. Which lead my credit to decline because of inadequate information...
Product: Credit reporting or other personal consumer reports

I am filing this complaint personally. After reviewing my credit record, I found late payments present. Despite sending letters over XXXX  days ago, I have not received a response, and satisfactory validation has not been provided. I kindly request your assistance in resolving this matter.
Product: Checking or savings account

My mother deceased XX/XX/XXXX. She had a checking account at Wells Fargo for which I was listed as heir on my parent 's will. Upon her passing I contacted Wells Fargo ( WF ) regarding the recurring monthly fees on her account ( about $ XXXX/month ). WF assured me that once I received my order from the court, the accrued service fees would be reversed retroactive to the date of my mother 's passing. At the time of my mother 's passing the account had about {$2200.00}. WF did assure me that the service fees would not be charged to the account during the time the account was frozen and I was reconciling ownership through the courts. When I finally received court authority in XXXX I learned the amount in the account was significantly reduced to about {$1600.00}. At this time WF advised they would not refund the service fees ( about {$650.00} total ), that had accrued since my mother 's passing.
Product: Credit reporting or other personal consumer reports

I am filing this complaint on my own behalf regarding late payments on my credit record. Upon reviewing my records, I noticed these late payments. Despite sending letters about this issue over XXXX days ago, I have not received a response, nor satisfactory validation. I kindly request your assistance in resolving this matter promptly and effectively.
Product: Credit reporting or other personal consumer reports

Experian once again closing complaints that neither fix or addressed the issue of them stealing 17 months of on time never late payments to XXXX and refuse to give them back
Product: Credit reporting or other personal consumer reports

Trying to remove accounts that were fraudulently opened because I do not recognize them. The accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have an auto loan with XXXX. I have been up to date on payments for the last XXXX months. However, it seems that everytime they report my balance information it goes up and down and every the report the balance as increasing Im reported by XXXX and Transunion as being delinquent. 

I went to the bank and questioned it and they said they will look into the issue. I sent an email a month ago and was told it would be looked at by Managment I have yet to have a resolution and have missed payments showing on my credit report which is bringing down my score that I am trying to rebuild.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax 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, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C ( 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 Equifax complies with the federal law and provides consumers with the necessary proof of investigation. These are the accounts I marked as inaccurate. 

XXXX Account XXXX XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX  XXXX XXXX Account XXXX XXXX  XXXX XXXX XXXX {$7700.00} Account XXXX XXXX XXXX XXXX XXXX {$1900.00} Account XXXX XXXX XXXX XXXX XXXX {$15000.00} Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/XXXXXX/XX/year>. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiries in Question : XXXX XXXX - XX/XX/year>XXXX XXXX XXXX - XX/XX/year> Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute over 30 days ago and have yet to receive an adequate resolution.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section. 

I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries. 
Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report. 
Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes.
Product: Mortgage

My mortgage was sold to Fay Servicing, my insurance was set for renewal on XX/XX/XXXX, I selected XXXX XXXX as replacement company for XXXX ( company folded ). I can't even keep up with the LIES and PROMISES made by Fay Servicing to pay XXXX XXXX  for coverage. Fay Servicing took it upon themself to get some LOW BUDGET NO NAME insurance company, tried to say it was due to me not taking action, reminded them I SIGNED IN XXXX WITH XXXX AND ASKED THEM TO MAKE THE PAYMENT FOR COVERAGE. My insurance is set to expire on XX/XX/XXXX due to lack of payment by XXXX XXXX I said I have so many calls into XXXX for XXXX, each call I was promised payment would be made AND IT HAS NOT BEEN PAID! Spoke with XXXX today from escalation or insurance dept, he verified the documents were all CORRECTLY received on XXXX, they were CLEARLY aware of XX/XX/XXXX cancellation date, XXXX CLAIMED payment was sent today, I DON'T TRUST ANYONE OR ANYTHING THEY SAY AT THIS POINT. I think they're trying to force me to take the insurance they selected, might be getting a kickback!!! I NEED SOMEONE TO HELP MAKE THEM HONOR AND SEND PAYMENT-I need my property to be PROPERLY INSURED-PLEASE HELP
Product: Mortgage

My family is now basically homeless because of Chase and XXXX. The sale of our home and purchase of the new home was scheduled for a same day closing. Today we had to spend {$1200.00} to place all of our household into XXXX XXXX. I 'm hoping you can help light a fire for them to make this right. As of tomorrow my family will be living in our 5th wheel. 

We had a short sale with Chase dated XXXX/XXXX/XXXX. Chase incorrectly reported it as a foreclosure and updated the credit bureau to a short sale in XX/XX/XXXX. XXXX is pulling over that short sale from XX/XX/XXXX is now late in XX/XX/XXXX because of the update Chase did. XXXX reps just tell my lender we see the error, but at this time have no override code to fix. In the mean time we sold our home and now have no home to go to. XXXX has literally left my family with no home to go to because their underwriting system is incorrectly pulling the update of XX/XX/XXXX as if we had new lates. Common sense if the short sale was completed XXXX/XXXX/XXXX there is no way new lates could happen on the same account years later. I also have a letter from Chase confirming along with credit report. 

I 've been dealing with Chase executive office since XX/XX/XXXX and no one has been able to fix. Each person has said they are on it and never get back to us. Reps at XXXX are absolutely awful and the rudest most unprofessional people I 've ever spoken to. One of the ladies told me that they are aware of the issue, it will get fixed during a release and next out of her mouth in an irritated tone was anything else mam. They refuse to let you speak to a supervisor and refuse to escalate the issue. 

XXXX XXXX XXXX Chase Executive XXXX XXXX XXXX ext XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these unverified items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 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 name : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Well, I got a notice from XXXX XXXX that an account was opened in my name ( XXXX XXXX ) and I went to XXXX XXXX and was told that the account is with XXXX. I went to XXXX to dispute the account and was told to file a police report, I'm just trying to stop the fraudulent account and I just got hit for XXXX points for an account that I didn't opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account listed above do not reflect any correct transactions done by me.

My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained. I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE Please Kindly, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Rebuttal Notation : Accuser has failed to provide any evidence of either the injurious derogatory claims verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW.
Product: Checking or savings account

I ordered a temporary driver 's license from my local DMV. Bank of America at my location refuses to accept it as form of identity.it is a valid temporary id from my local DMV. It's been two weeks I haven't been able to access my account I will soon be homeless because of this!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 credit inquires that I never authorized or applied for. One of them the company recognized the mistake and send the credit bureaus a correction. One of the credit bureaus ( Equifax ) still refuses to delete this inquiry despite contacting them about it 2-3 times. 

1. XXXX XXXX XXXX I never applied to this company and never requested a credit from them. ( tried to have Equifax delete it but they refused and just added a remark that I disagree ) ( I need this entry completely removed because I never made it ) 2. XXXX XXXX.I never applied to this company and never requested a credit from them. ( tried to have Equifax delete it but they refused and just added a remark that I disagree ) ( I need this entry completely removed because I never made it ) 3. XXXX I never authorized this inquiry. I contacted XXXX about it and they agreed that it was there mistake. They sent explanation to the credit bureaus stating that it was their mistake and to remove it. XXXX   and XXXX  removed it except Equifax, they still refuse to remove it even after I explained what happened.
Product: Vehicle loan or lease

I had a loan that was paid off with Truist Bank the first week of the XXXX XXXX. 
There was an overage of $ XXXX that was not automatically sent to me. I have been calling for weeks on end before finally someone told me it was never initiated. They manually released my overage check and I am not being told on XX/XX/XXXX  it was rejected and they are still working on it. 

In addition, I had GAP coverage cancelled and a check of {$890.00} sent to Truist for it to be refunded to me. 
I can not get an answer on when I will get this back. The check was sent on XX/XX/XXXX  to them for the cancellation and they cashed the check on XX/XX/XXXX 
I keep being told they are calling the GAP overage department and they are not picking up, and to expect a response in 3 days. I am told this over-and-over and I am getting nothing. 
Two people have informed me that their GAP department is awful and unorganized and they have multiple people waiting over a year to receive their refund. 
I have bought a fair share of cars and opened and closed a good amount of auto loans and it has never taken a cancellation, or an overage check, this long to be sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/2021 I sent a letter regarding inaccurate, misleading, unlawful, and unknown things on my credit report. Its been well over 60 days and I have not received any feedback regarding the serious matters in my letter. I feel that Im being treated very unfairly, taken advantage of, and ignored. We all understand that an investigation was supposed to be completed within 30 days and its been WAY more than 30 days. The accounts that I disputed in my letters have more than just one thing wrong with them. The disputed accounts have many things wrong with them, and we all understand every account that appears on my credit report must be reported A HUNDRED PERCENT ACCURATE, TRUE AND WITH MY PERMISSION. Every account I disputed in my letter have MANY problems and I DEMAND EACH ACCOUNT IS DELETED/REMOVED from my credit report NOW! Please remove these accounts from my credit report or Ill be forced to seek litigation and justice through the proper channels due to the immense stress you caused me and people close to me. My personal information was also impacted by the XXXX data breach and may have got a hold of by the wrong person.
Product: Debt collection

On XX/XX/2019 I was on the Michigan Government website seeing which debt collectors were legally able to collect debts in my state. I did not see Santander on the list, but I remembered that they were in my credit report trying to collect a debt. On XX/XX/2019, I sent a letter to them asking them for proof that they are licensed to collect the debt in Michigan, and if they were not, to delete the account off my credit report. They did not send ANY license information proving that are legally able to collect the debt, but they sent a letter back stating that the debt was verified. They completely disregarded the fact that they are not licensed in my state to collect a debt.
Product: Credit card or prepaid card

I purchased a camera package online using my master card issued by the First Tech Credit Union. however the merchant used bait and switch technique and increased the price of the promised item after the purchase. When I received the item, it didn't seem to be genuine as the packaging was not original and the items were in opened boxes. I tried to reach out to the merchant serval times to cancel the order prior to it was shipped they didn't respond to my phone calls or emails. 

I contacted First Tech Credit union customer service on XX/XX/2021 to initiate a dispute for the credit card charge. I received a letter from First Tech Disputes team to request additional details regarding the purchase. The same letter advised me to ship the items back to the merchant. 

In the mean time, I tried to work with the merchant and returned the item back them. The merchant agreed to refund my money once they received the item. The merchant told me that they advised first tech to refund my money. 

I provided this proof to the bank along with email chain that I had with merchant. To my surprise, I received a notice from First Tech denying my claim with no specific reason. When I initiated this dispute, first tech sent out a letter to the merchant saying not to issue a credit to me and notifying them that the amount has been deducted from their account.

The merchant is denying to issue a credit citing the letter from First Tech. I have been trying to contact First Tech to issue the letter but was given different information the each time I called. They finally refused to issue any such letter today. I believe this bank has misled me throughout the process and caused me a lot of grief and stress.