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

XXXX continues to report incorrect credit information negatively impacting my ability to obtain credit, rent an apartment, or buy a home. XXXX indicates they rely upon Trans Union and XXXX   Credit reports to verify the information they are reporting. Trans Union previously responded, in writing, that the following accounts are not on my Trans Union Account and not being reported. XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX # XXXX, XXXX : # XXXX. I previously attached ( 5 ) XXXX provided by XXXX and XXXX ( Cancellation of Debt ). Both XXXX and XXXX admitted knowledge of my insolvency at the time of their wrongfull claim. Further, both XXXX and XXXX were aware that I had been a victim of a Privacy Breach from the Office of Personnel Management Privacy Breach and that my personal and financial information was being circulated on the dark web. Second Trans Union continues to report as accurate a Chapter XXXX Bankruptcy Filing from XX/XX/2011 that was dismissed without a discharge. The exception to the rule which Trans Union is in violation relates to the removal of Bankruptcy Filings not subject to a discharge. As a result, XXXX XXXX is also misreporting thre is an " Individual Debt '' responsibility, where there is not, otherwise Trans Union would have reported the amount of the the debt. 

Both XXXX and XXXX have complied with the request to remove the wrongful reporting, but Trans Union does not. This appears to be a pattern for Trans Union as they are [ 5 ] Negative Accounts on my report and [ 1 ] Negative Public Record. Based on the information provided, none of the credit bureaus, XXXX, XXXX nor XXXX XXXX/XXXX  have a legal right to continue misreporting this information. 

XXXX and XXXX abandoned all claims and cancelled all the debt, as such they are not party to any claim, nor can they report something that is no longer theirs. Yet the reporting persisits. XXXX, XXXX, XXXX XXXX, Trans Union, XXXX, XXXX, perhaps all are working in concert to deliberately suppress my credit score by reporting false information. 

My credit report speaks for itself if you will look beyond the issues I have raised. Nonetheless, even with these accounts listed my stats : XXXX99 % On-Time Payments. 
*26 year old credit history line. 
XXXX30 % Credit Used. 
*No Recent inquries. 
*Even though I am handicapped  due to your scoring for recent accounts, none have ever been late. 

I can easily demonstrate damages here. I am ready to buy a home, but I can not do so with this errant reporting on my credit reports.
Product: Credit card or prepaid card

My name is XXXX XXXX XXXX. On XXXX, location : XXXX, XXXX XXXX I went to withdraw some money from a XXXX XXXX, I used my Citibank debit card, and the ATMs were out of service, and as I was living someone stole my card and somehow my PIN was compromised during the transaction. As soon as I realized that it was gone I blocked it immediately, but by the time someone had already used it three times. I reported it immediately to Citibank as fraud and that the charges were not authorized by me. They told me they would issued me a new debit card, and will investigate the matter that it can take up to 90 days to resolve. The transactions in question occurred on XXXX. 1st {$810.00} at XXXX. The 2nd {$110.00} at XXXX, both of these transactions occurred at a non-Citibank ATM XXXX . 3rd {$49.00} at XXXX, they gave me credit for this charge while the other two were pending. On a letter dated XX/XX/XXXXthey told me it they were reviewing it. And on a letter dated XXXX they denied me giving credit for the first two, and essentially calling me a liar about how the transactions happened. More than 90 days on XX/XX/XXXXI called them to find out the results of the investigation and he basically told me to see the letter on XXXX. I believe the investigation was bias, they made me wait 90 days, for what reason? I do not know, theyve got the amounts wrong according to my XXXX monthly statement statement, I feel their investigation was a sham, and it shouldnt happen to anyone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following Credit Reporting Agencies XXXX XXXX, XXXX XXXX Transunion ) continue to violate my consumer rights. These agencies have violated XXXX XXXX XXXX ( a ) ( XXXX ), by furnishing personal financial information without a court order, or written consent from me, the ( federally protected consumer ). These agencies are selling and reporting my personal information for financial gain. This unlawful reporting has damaged my character, caused undo stress and unnecessary financial losses. I am writing a letter to XXXX, XXXX XXXX Transunion with my demands after I file this complaint. 

Thank You XXXX XXXX
Product: Payday loan, title loan, or personal loan

I borrowed {$1200.00}, paid {$780.00} ( XXXX {$190.00} ) and still owed {$1100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several inquiries on my credit bureaus Not made by myself
Product: Checking or savings account

I am writing to bring to your attention a deeply concerning experience I had with Wells Fargo in regard to a chargeback request. I am hoping that by sharing my experience, it will shed light on the challenges I faced in seeking assistance and protection from my bank after falling victim to a fraudulent company. 

Earlier this year, I made a payment to a company that promised to provide me with a service. However, I never received the service and soon realized that I had been scammed. Taking swift action, I initiated a chargeback with Wells Fargo to recover the funds I had been unlawfully charged. 

Unfortunately, my experience with Wells Fargo took a highly distressing turn. Instead of receiving the support I needed, I found myself caught in a disheartening cycle of delays, misinformation, and lack of communication. For nearly two months, I attempted to navigate their customer service channels, reaching out through calls and written correspondence to resolve the matter.

Regrettably, my efforts were met with a series of frustrating tactics that seemed designed to hinder my progress rather than provide assistance. Key aspects of my ordeal included : Delay Tactics : Wells Fargo consistently sent me update letters later than expected, which caused further confusion and frustration. This delay in information meant that I was kept in the dark about the progress of my case and had to repeatedly inquire about its status. 

Ignored Calls : My attempts to communicate with Wells Fargo via phone were largely ignored or met with prolonged wait times. This left me feeling unheard and unsupported as I sought to address the issue. 

Lack of Transparency : The lack of transparency regarding the steps being taken to investigate my chargeback request only deepened my sense of helplessness. I was left to speculate about the progress and actions being taken by the bank. 

I strongly believe that these tactics were employed intentionally, preventing me from securing the refund that I am rightfully owed as a customer. It is disheartening to realize that a bank, which I trusted to protect my interests, seemed to prioritize delaying and obfuscating rather than ensuring my financial security. 

I am hopeful that by sharing my experience, I can contribute to greater awareness about the challenges consumers face when seeking assistance with chargeback claims. I am reaching out to your agency to request a thorough investigation into my case and the handling of chargeback requests by Wells Fargo. My intention is to ensure that other customers do not have to undergo a similar ordeal and to hold Wells Fargo accountable for its actions. 

Thank you for your time and attention to this matter. I look forward to your prompt response and action. 

Regards, XXXX XXXX
Product: Student loan

I requested a refund of all my student loan payments made during the pandemic on XX/XX/2022. I was told this would take XXXX days to process. I called to check the status of my request and was told they were pushing it out to XXXX days but nothing else needed to be done on my end. On the XXXX day I called to again check the status of my request and they are now saying my request was canceled and needs to be resubmitted with another XXXX day wait.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN, XXXX, XXXX ARE REPORTING INACCURATE INFORMATION ON MY CREDIT REPORTS. THERE SHOULD NOT BE ANY DERROGATORY OR DELINQUENT ACCOUNTS ON MY REPORTS AND THE ACCOUNTS IVE UPLOADED DOCUMENTATION OF ARE NOT MINE SO THEY NEED TO BE REMOVED IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

On a Lexis Nexis XXXX Report regarding a Not-at-Fault Accident on XX/XX/XXXX, where Lexis Nexis has XXXX XXXX incorrectly listed as the driver of the accident. New York State Motor Vehicle Accident report shows that my XXXX XXXX XXXX was legally parked and unattended in this incident. I have attached XXXX 's Letter of Experience, which clearly shows a blank box in the percentage at fault box. I have also attached a copy of the NYS MVR. No person or driver was in my parked XXXX XXXX when it was struck by another car, which left the accident scene. 

I am the owner of the XXXX XXXX XXXX. This incorrect information is on my Lexis Nexis XXXX report and is causing excessive auto insurance rates. 

Please look at these documents. I would appreciate it if the accident was removed from XXXX record on the Lexis Nexis XXXX report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a copy of my credit report and noticed some accounts that I did not authorize. I contacted the companys and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as I am trying to start a new job that these issues are making more difficult than it should be.
Product: Credit card

I have a XXXX XXXX XXXX through Chase. There is a promise that Chase/XXXXt will reward me with a Companion Pass which allows me to have my wife fly with me for free for a year. I had to earn XXXX points in XXXX to earn the Companion Pass for XXXX. At the end of the year, I had just over XXXX points. I contacted Chase and XXXX to inquire about what I could do to get the additional XXXX points to qualify for the companion pass in XXXX. XXXX and Chase employees advised me that I could place orders with XXXX to receive a credit for XXXX points for each transaction which would apply to the date I ordered the flowers in XXXX. I made XXXX transactions on XX/XX/XXXX for the sole purpose of getting those points and obtaining the companion pass. I did that in reliance the representations from XXXX and Chase employees. XXXX and Chase are not giving me credit for those transactions and are not honoring the companion pass.
Product: Credit reporting, credit repair services, or other personal consumer reports

remove not mine fcra vioaltions : XXXX XXXX XXXX XXXX XXXX, FL XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, SC XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, CA XXXX SINGLE FAMILY XXXX XXXX XXXX, SC, XXXX XXXX XXXX XXXX XXXX, LA, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, TX, XXXX
Product: Credit reporting or other personal consumer reports

I have unauthorized inquiries that I do not recognize on my credit report. Please delete these inquiries. Thank you.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, there was fraudulent activity in my Venmo account to where {$1000.00} was transferred to a person named XXXX XXXX. I do not know who this person is. 

After taking my account information off of Venmo, they paid the person, and now, I owe Venmo {$1000.00}. They do not accept my claim because they claim that it was an authorized payment. I have tried to file this claim multiple times, but they still say that I made the payment.
Product: Money transfer, virtual currency, or money service

On XXXX the XXXX I have transferred an amount of XXXX XXXX via wire transfer. 
As stated on The company web site ( coinbase.com ) the wire transfer should take 1-2 days to be shown on the wallet.
I have sent several emails and made many phone calls to customer service. I was told that my case has been escalated and it should take 48-72 to hear back. but nothing happened. 

on my last call with customer service they refused to give me a time frame to solve my issue. 

Yesterday I received an email from Coinbase saying that they are sad to received a request from me that I want to close my account, Which I never did At this point I have lost nearly XXXX, as the price of the XXXX is going up everyday and I am not able to use other company service since my money is blocked with Coinbase.
Product: Credit reporting or other personal consumer reports

I am filling this complaint because XXXX has repeatedly fail to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ) specially they have violated. 
15USC1681e ( b ) Failure to maintain the accuracy of my credit report.

15USC1681s*2 Neglects in insuring the furnisher of information comply with their obligations.

15USC1681I ( 5 ) Failure to properly reinvestigate disputes and remove inaccurate information.

15USC1681c ( c ) Inclusion of obsolete information in my credit report. 
I have sent multiple dispute letters to XXXX but they have either fail to conduct proper investigation or reinvestigations or outright ignored the evidence I provided. to make matters worse i have learned about the recent CFPB law suit againsExperian. 
CFPB sues XXXX for Sham Investigation of credit reports which highlites that XXXX has a documented history of neglecting consumer rights by failing to remove or properly investigate errors in credit reports This issue has impacted my ability to access credit, housing and employment opportunities as a result of XXXX 's Noncompliance my credit report remains inaccurate. These are the accounts that have violated the FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

USAA over debited my account {$150.00} ; this is the second time in the last year they have withdrawn and refused to immediately put the money back in my account. They take weeks to refund the money and they will not put it back in my account. They write checks so they can hold and make holding interest off my funds. This most recent credit on my account has sat since XX/XX/XXXX when they over debited my account for money that was not due.
Product: Credit card or prepaid card

I was issued a valid credit card by Citibank and had consistently paid my monthly payments to vis -- vis automatic withdrawal and in most cases paid more than the required amount. Due to an error by Citibank during the month of XXXX they did not deduct the automatic withdrawal and I contacted them by phone a few days later inquiring why. The customer service representative I spoke to asked if I would like to make the payment then and I said yes and did make it. Well my minimum payment due was {$59.00} a month I had increased it to {$100.00} by automatic withdrawal. 
The following week from that conversation I received a written notice indicating my account had been closed due to late payment which was approximately three days. 
I immediately contacted customer service during the month of XXXX and the representative advised the account would remain closed. So at that time I requested my automatic withdrawal payments be closed and I would be paying by check so there is no longer any errors on the part of Citibank. On Wednesday, XX/XX/XXXX when checking my bank account I noticed Citibank withdrew {$100.00} which was not authorized. 
I immediately contacted Citibank customer service and the representative reviewing my account indicated that it stated I had requested automatic withdrawal be closed along with my account however it apparently was not. 
I then requested they reinstate my {$100.00} payment that was taken in properly as I was now using a law firm to pay my payments and had already sent them the amount. 
The representative advised me she would not be able to reinstate the {$100.00} and must send it to a committee to review which would take XXXX hours. 
At XXXX hrs. on Thursday, XX/XX/XXXX realizing Citibank had not reimbursed my account I contacted a customer representative in the dispute department and explained that my money was improperly deducted and I wanted to be reinstated. 
I was told to hold which I did and a few minutes later the representative returned and stated something that I could not understand and hung up. 
This leaves me as a wreath retired veteran from the XXXX XXXX XXXX XXXX XXXX living alone receiving only Social Security with {$100.00} to feed my cat, service dog and myself for the rest of the month of XXXX since I was currently out of food. 
I'm not certain how but it appears somehow Citibank blocked my ability to contact them again.
Product: Credit card

Navy federal credit card I filed a dispute transaction XX/XX/XXXX. The claim I was done properly and the representative entered diffrent transactions and said it was a mistake when I asked only for XXXX XXXX  car to be disputed!! The claim got denied... I entered second review as what I called navy and they told me to do XX/XX/XXXX as the claim was entered again wrong amount only XXXX XXXX XXXX  was to be disputed!!! Then on XX/XX/XXXX 2 times as you can see in the proof below the repesentive made a mistake on one which she pointed out did it over again on the next claim that was done right after on the same day.. she apologized ... and now I'm waiting nothing this is damaging my credit I can't get nothing done I'm paying all this interest on charge that was fraud this isn't fair please investigate and publish this because I've met other persons who has problems with Navy federal and there disputes!!
Product: Debt collection

Credit Collection Services is inaccurately reporting this debt from XXXX XXXX on my credit report. I have asked the company to remove it, and they hae told me it will be removed in XXXX. I have paid the debt with XXXX XXXX directly
Product: Credit card

Under the 15 U.S. code 1692d I was affected by the XXXX XXXX XXXX  was out of work for 18months with no income or unemployment. How ever I still made payments until I exhausted all my funds including draining my XXXX. 

The harassment I received up to this account being closed caused XXXX  trauma. Because they kept pressuring me and there was nothing I could do. 
But try to stay alive.
Product: Payday loan, title loan, or personal loan

This was to cover the cost of a cruise which was canceled by the XXXX XXXX. They are continuing to charge me monthly fees plus 31.62 % APR despite the fact that my family has received nothing of any value. The refuse to stop automatically debiting my checking account despite the fact that we were not allowed to take the cruise and despite the fact that there is no money left in the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled a copy of my credit report and notice information from American Honda Finance on my credit report that should not be there. I reached out to the credit bureaus to do an investigation XX/XX/2019 ( please see attach letter entitled bureau investigation ' ) and the bureaus respondedXXXXXXXX stating that American Honda Finance verified the information as reporting correctly. ( please see attach response from the bureaus entitled 'bureaus initial response ' ) I then reached out to American Honda Finance directly XX/XX/2019 after I received that letter from the credit bureaus. ( please see attach letter entitled XXXX letter sent ' ). To date we still have not receive a response from America Honda Finance and we know they receive the correspondence sent XXXX please see attach signed green return receipt ).
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX  XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX. ( a ) ( XXXX ) XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX This account was due to fraud/Identity theft I contacted this creditor & they have failed to provide any contract, identification or signature. All they stated that they have my social security number. I advised the creditor that I did not open this account & it was open fraudulently. The creditor stated there was nothing could be done. I have filed a dispute twice with Experian & they have failed to remove the item
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts were opened fraudulently without my permission or authorization, I demand for them to be removed immediately by law- I have filed and completed a police report regarding these accounts and inquires. 

Fraudulent Accounts- 1. XXXX-original creditor 11 XXXX- - Open date XX/XX/XXXX 2. XXXX XXXX- original creditor 11 XXXX - Open date- XX/XX/XXXX 3. XXXXXXXX XXXX -- Open date XX/XX/XXXX 4. XXXX- Open date- XX/XX/XXXX Fraudulent Inquires- 1.XXXX XXXX Inquiry date- XXXX XXXX, XXXX 2. XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX 3. XXXX XXXX Inquiry date- XX/XX/XXXX XXXX. XXXXXXXX XXXX- inquiry date- XX/XX/XXXX 5. XXXX XXXX XXXX Inquiry dateXXXX XX/XX/XXXX 6. XXXX - CARD XXXX- Inquiry date- XX/XX/XXXX 7. XXXX XXXX XXXX-Inquiry date- XX/XX/XXXX 8. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 9. EXPERIAN XXXX XXXX XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XXXX XXXX XXXX Inquiry date- XX/XX/XXXX 11. XXXX XXXXXXXX XXXX Inquiry date- XX/XX/XXXX 2019
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act, Capital One Acct # # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 US Code 1681 a- Definitions, rules of construction- Exclusions.- Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the reports.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.