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

I am writing to submit a complaint the following information XXXX XXXX supplied to XXXX, Transunion and XXXX credit bureaus ; whose report has incorrect information that has not been updated in reference to XXXX accounts ( XXXX opened XX/XX/XXXX ). 

During XXXX I suffered from a major hardship, I had a great death in my family, and I lost my former husband, who at the time was my primary source of income. I also was laid off from my Job due to major cutbacks. Being a Widowed wife and a mother of XXXX It was hard to meet all my financial hardships. Nevertheless, I did not want to neglect my financial obligations. In XXXX I reached out to your company to request hardship payment options, I agreed to do a covid forbearance with your company. I was informed that the account would be kept current, no late payments will be reported due to me agreeing to settle the account and XXXX XXXX. 

According to the Cares ACT, the CARES Act states if you make a debt-relief agreement, that creditor must continue to report the debt as current. Therefore, no late payments should reflect my credit file during that time. I Request that XXXX XXXX remove late payment history as soon as possible to be in compliance with the federal law. To ensure that creditors adhere to the Federal Law which prohibits Negative Credit Reporting according to The CARES Act signed into law on XX/XX/XXXX, Act to amend Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during XXXX XXXX. ( XXXXU.S.C. XXXX ( a ) ( XXXX ) ( F ). ) This has been an ongoing concern. I have also reached out to XXXX in XXXX, XXXX, and just recently XXXX XXXX via dispute through my credit bureau, however both accounts remain the same inaccurately XXXX XXXX history. 
Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the disputed late payment items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Going over my consumer report I have notice you are reporting XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX without my consent ... 

I demand these accounts to be removed from my consumer report. I did not give you written instruction to report anything on my report so this must be removed ASAP. 

Violation of 15 usc 1681b ( a ) ( 2 ) -Permissible Purpose of consumer report as it states " In general subject to subsection ( c ), any any consumer reporting agency may furnish a consumer report under the following circumstances and no other.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

It is in fact that I am a consumer and did not give you any written permission to furnish these accounts on my consumer report.Which is my reasoning for you all to delete all accounts mentioned asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

Oportun has been in continuous violation of an unauthorized credit inquiry on my credit report which still hasnt been removed as of todays date and continues to violate my credit by reporting an negative account with inaccurate information. Both violations have caused significant damage and I am gathering enough information to seek remedy for the damages it has caused me. STOP stating your following the FCRA when you know you are NOT!
Product: Checking or savings account

I had got a XXXX check from XXXX XXXX that was my settlement, and that is XXXX  XXXX bank , and only to cash the check my XXXX said. I did not want account with the bank. and was standing at the Teller window. and was told to go and sit down me, and my XXXX XXXX : XXXX at as my witness, Her phone is : XXXX and she will also vertify it too. That other XXXX XXXX : XXXX XXXX was talking so fast. and trying to get my open account. and that's not want I wanting. and then XXXX thing they said something and about fraud. My account was closed, and they sould have giving me back the check and they did not. and instead they was telling lies, and covering for each other, I felt they did nothing to help get my money back at once, just like I give it too them. Instaed they gave me the Run-Around for a month. When I should been done had my money. I don't want no bank account, Just my money to pay my bills and my Rent of {$1600.00}. ASAP. This week. and I have consulted a new Lawyer this case. I have been a Identity theft Person for years. Stolen Mail at different Addresses, Stolen everything, Homeless for 34 years, and disable for years. Everything been taken from me and they Truist did that told a man that was XXXX XXXX XXXX, and he had Government Checks and they him they were no good. and Discrimination too. I am a child of XXXX. Amen.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XXXX, I disputed this account with XXXX and asked to company to validate, not verify the account They did not Therefor I want this removed from all the credit agencies
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been an authorized user for now on my cousins cards using and paying it off. Trying to build my credit. The issue is nothing is showing on my report for either of these cards. One is barclays and the other is XXXX  XXXX XXXX. For some reason they are not reporting to transunion, XXXX  and XXXX  any help here would be greatly appreciate.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY IDENTITY HAS BEEN COMPROMISED. I HAVE NO IDEA WHO COULDVE DONE THIS TO ME. AS I PULLED MY REPORT I SAW A OUTRAGOUS AMOUNT OF ACCOUNTS UNDER MY NAME THAT ARE NOT MINE. PLEASE DELETE THESE ITEMS FROM MY REPORT. XXXX XXXX {$1500.00} XXXX XXXX {$600.00} XXXX XXXX XXXX XXXX {$850.00} XXXX XXXX  XXXX {$290.00} XXXX  XXXX XXXX {$77.00} XXXX  XXXX XXXX {$100.00}
Product: Student loan

On Saturday, XX/XX/XXXX I saw that my balance on Navient was overdue. It is my understanding that the student loan pause is still in effect. I also submitted paperwork for an Income Based Repayment plan and, according to my other loan servicer, XXXX, that isn't set to change until XXXX. 

On or after XX/XX/XXXX I received a response in the form of a message on Navient 's website, which has since been deleted ( not by me... I never delete correspondence ), that their records show my plan lapsed as of XXXX or XXXX and that I need to pay the amount that's overdue ( {$78.00} ). The warning on their website stated that if I didn't pay I might be subject to late charges. The due date was XX/XX/XXXX and I have an upcoming due date of XX/XX/XXXX for the next payment.
Product: Credit reporting or other personal consumer reports

I have observed some inquiries on my credit report that I did not authorize and I would like you to please remove them from my credit report, the following information : 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, credit repair services, or other personal consumer reports

I have the app XXXX XXXX  to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX I XXXX {$4000.00} XXXX XXXX {$740.00} XXXX XXXX XXXX  XXXX {$1600.00} US DEP ED XXXX {$5000.00} XXXX   XXXX {$12000.00} US DEP ED XXXX {$5100.00} XXXX XXXX XXXX  XXXX {$250.00} XXXX   XXXX {$100.00} XXXX  XXXX {$26.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I dispute all unverifiable transactions contained in Summary File Disclosure, Consumer ID : XXXX prepared on XXXX/XXXX/XXXX by XXXX XXXX summary disclosure. 

As the Secured Party Creditor, and the holder of the XXXX XXXX interest in any and all real and personal property and the proceeds therefrom, registered to, associated with, in the possession of, or under the management of, XXXX XXXX, and XXXX XXXX XXXX XXXX, your alleged claims and/or requests prejudice my rights, titles, and interests in regards to said property as the Executive Trustee for the private trust to which said rights, titles, and interests have been pledged. In order for me to provide you with a remedy, I conditionally accept your offer upon proof, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached. And, a copy sent to undersigned for rebuttal or acquiesce, of the following : 1. VERIFIABLE Proof of Legal documents to prove that you are legally authorized to collect, 2. VERIFIABLE Proof of Amount of the actual debt, 3. VERIFIABLE Proof of Payments made on the account, 4. VERIFIABLE Proof of Accounting of the debt, including all interest and fees, 5. VERIFIABLE Proof of Fees and interest amounts, 6. VERIFIABLE Proof of a signed contract showing the terms about the debt, 7. VERIFIABLE Proof of WHO owns the debt/or has been assigned the debt, 8. VERIFIABLE Proof of a copy of a true bill from the original creditor, 9. VERIFIABLE Proof of a complete payment history, starting with the original creditor, and 10. VERIFIABLE Proof of a Certified and True Copy of the original signed agreement or  application. 

Please Note : I wish to deal with this matter in writing and I do not give your administration permission to contact me by telephone. Should you do so, I must warn you that the calls could constitute harassment ' and I may take action under Fair Debt Collection Practices Act 806. Harassment or abuse [ 15 USC 1692d ].
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, without notice or explanation, Synchrony Bank closed my XXXX XXXX account and reported that it was over the credit limit ; I have never had a late payment and in fact, have paid the account off in-full more than once. At the point that they closed the account, I had already paid the account off in full. During the billing cycle, I did have two returned payments due to the account I was using being in " locked '' status ( which I did not realize ). However, once I realized the error and the system would allow me to pay the bill again ( I tried to pay earlier, but my balance had not yet updated, and their system would not allow me to make another payment, thinking my account was paid off ), I immediately paid the full balance again. This final payment was made on XX/XX/year> and their system told me it would be credited to my account that same day because it was made before the cut-off time ( which I believe was XXXX ). Since XX/XX/year> was the last day in my billing cycle, this payment should have shown on my statement and also should have been included in the balance reported to the credit agencies when the account was reported. However, Synchrony is now reporting to all XXXX bureaus that I am over my credit limit, which is affecting my score.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> someone opened a fraudulent XXXX card in my name and charged nearly $ XXXX. I froze my credit and was able to get the account closed, but it still had this outstanding balance. I called XXXX bank NUMEROUS times to open a fraud case and I was always " disconnected. '' So I opened a case with XXXX & XXXX. Meanwhile, I am getting collection calls daily from XXXX Bank. When I was finally able to get someone from Comenity bank to open a fraud case against this account, the calls stopped for a few weeks. When the calls began again, I called Comenity and they said their investigation concluded that I was at fault. They NEVER communicated this with me via mail or email. They then proceeded to verify information that was NOT mine. Their " investigation '' did not even include speaking to me and asking for verification to begin with. They told me the reason they came to this conclusion was because I also opened cases with the credit bureaus and that they would open another investigation that could take several weeks. They also asked me not to open any other cases with the credit bureaus which I thought was a strange request. I am submitting this complaint because dealing with Comentiy is a very sketchy process and they have not done their due diligence to correct this fraud that has taken place in my name.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX I initiated a balance transfer for {$1700.00} through my XXXX XXXX  credit card. I asked to move the balance from my Chase freedom XXXX XXXX to my XXXX XXXX XXXX. After waiting XXXX weeks I noticed we still had a balance of {$1700.00} on my Chase credit card. But had an active balance of the same amount in my XXXX XXXX  account. I called Chase and asked them why the fund had not been removed. They advised they never received the funds. After several phone calls with both Chase and XXXX management, XXXX advised the wrong account number was entered ( XXXX instead of the correct account XXXX ) and that the funds did process correctly to Chase. XXXX provided me with a trace ID to give to chase. XXXX I then returned a phone call to Chase and they told me they XXXX. Can not track credit card transfers with a trace ID and XXXX. Received a check XX/XX/XXXX for XXXX. But that XX/XX/XXXX the amount was recalled I then contacted XXXX and asked that since they recalled the funds they credit my account and cancel the balance transfer. I received a temporary credit to my XXXX credit card during the investigation process but was returned that credit on XX/XX/XXXX. I sat on the phone for XXXX hours with XXXX bank XX/XX/XXXX and was told the funds were sent to Chase and until they can recall those funds I will owe them a balance. I have tried everything I can think of to get this issue resolved but to no avail. Both Chase and XXXX management are telling me neither of them have received the funds while Im left with a nearly {$4000.00} balance on my accounts. 

Upon speaking to a Chase XXXX a final time she adv that if the money was sent to the wrong account ( even though my name and information was attached ) they can not find, reverse, or provide any information on the funds. My name is not on the account number we did a balance transfer for so it makes no sense to me why Chase would honor or accept it.
Product: Credit card

My wife and I both opened United XXXX cards, managed by Chase. We were induced to sign up for these cards by an offer on United 's website during the flight booking checkout process. We were promised XXXX bonus miles once we have spent {$3000.00} in the first three months of having the card. 

Chase refuses to honor this promise. I have shown Chase confirmation from United that this is the offer we signed up for, and we have shown Chase a page on United 's website that advertises this offer. Still, they refuse to honor it. 

This is the final step before I file suit in small claims court. I have already rejected the arbitrartion provision in Chase 's contract. I plan to pursue treble damages under the consumer fraud statute. 

You can see the offer below. The card that we both signed up for is the second from the left XXXX XXXX XXXX XXXX I have attached a chat transcript from United confirming that this is the offer we signed up for.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  has a debt from XXXX in the amount of {$580.00}. They ( XXXX XXXX  and XXXX  ) are saying they have no knowledge of the tracking information of the return box they sent me when returning my phone. I closed out my XXXX account because I was switching to XXXX. XXXX sent me a return box with a return label ( THEIR TRACKING INFORMATION ). I dropped the phone off at the facility as told to be returned. That location was busy so I just dropped the phone off. WHY CANT XXXX LOCATE THE PHONE THEY ARE THE ONES WHO PROVIDED THE TRACKING AND RETURN INFORMATION! This shouldn't even be on my credit report.
Product: Money transfer, virtual currency, or money service

{$2700.00} transferred by me via Western Union was not received by the recipient in XXXX. Attached is the bank account statement of the recipient that shows the Western Union deposits received by the receipient. A deposit of XXXX reais ( {$2700.00} ) scheduled for XX/XX/2021 is missing! 

I have written to Western Union and sent an appeal as they claim the funds were sent but have not provided proof
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX  XXXX XXXX XXXX : {$17000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

This morning, I was horrified to see erroneous accounts on my credit report. I checked it as I normally do, but suddenly, there were discrepancies I didnt expect. Refreshing my browser didnt fix the problem, and now these inaccuracies are still there. Im really distressed by this and request a thorough check of the documents I sent so that I can stop worrying about these issues.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by ADR.ORG. 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you XXXX opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, XXXX, emotional distress, and financial hardship that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. 
I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the ADR.ORG website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. 
Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. 
I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 
Please send all correspondence related to this matter to the address listed above.
Product: Checking or savings account

Some times this financial institution encounters balance errors unknown to me of how they occur. Generally my brokerage account will show a a balance with more money than what is in the account??? When I call them to question how it happened they simply say they don't know why it happens. A day or two later the brokerage account suddenly has a negative balance. My checking account is with the same financial institution and has been frozen and I am not able to withdraw funds because the brokerage account with this institution has a negative balance. How this occurred is unknown? I now need access to my direct deposit and cash in the checking account. My card is being declined and I can not pay my financial obligations. A direct deposit is attached to the brokerage and would have cleared this up if they had simply looked at the history of the past year or more. Freezing someone's account is a serious problem. The history of direct deposits should have provided a clear solution that the brokerage account would have been brought back to a positive balance. My part would have been resolved by the direct deposit. What about their ongoing problem with not showing the correct balance. This would not have happened if their system was reliable to show the correct balance 100 % of the time. How quickly a bank will punish someone for the mistake made by the bank and not the consumer.