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

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureaus have failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed accounts which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$520.00} XXXX XXXX XXXXXXXX Balance : {$310.00}
Product: Checking or savings account

Hello, I hope everything is well. I'm writing due to issues with a refund for a canceled flight from XXXX, charged to my Wells Fargo account. 

On XX/XX/2023, I purchased a flight through XXXX to XXXX via XXXX 's partnership with XXXX for {$790.00}. However, I was notified immediately after the purchase that XXXX of my connecting flights had been canceled. I then was offered the option to cancel my flight for a full refund, which I accepted. I was then sent a confirmation of my cancellation on the same day, with a promise that the price of the flight would be refunded within XXXX billing cycle. 

However, the {$790.00} was never refunded. I reached out to XXXX and was told that it was an issue with my bank ( Wells Fargo ), and that I would need to open a claim with them. I submitted the claim, but after XXXX months was notified that it had been declined. When I spoke with a Wells Fargo representative, I was informed that they had reached out to XXXX and were told that all flights were non-refundable. 

When I contacted XXXX about this issue, they told me that on their end the refund had been completed and there was nothing they could do from their side. They said that Wells Fargo had filed the claim incorrectly against XXXX. Wells Fargo, on the other hand, has told me there is nothing they can do either as the fault is with XXXX according to them. 

After months of going back and forth between Wells Fargo and XXXX, I have been unable to connect representatives from both sides in a call and resolve this issue. The {$790.00} still has not been refunded. If possible, I would like to submit this complaint in the hopes of finally receiving the refund promised by XXXX. Thank you very much.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting the wrong addresses on my credit report 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The only address that should be reported is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

I paid my loan on XXXX XXXX and it 's still showing up negative when I actually paid up until XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Acct # XXXX, XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX Acct # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I want to report an incident of identity theft. Upon receiving a copy of my credit report, I was surprised to discover multiple accounts that I never opened and am unaware of. After conducting research, I learned that I need to file a report with the Federal Trade Commission or visit their website at https : //www.ftc.gov to remove these fraudulent accounts from my report. I have attached the necessary documents to assist in blocking the erroneous information posted to my report. I need the following items removed as soon as possible : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. According to Section 605B of the Fair Credit Reporting Act, Credit Reporting Agencies are required to remove any accounts listed on an ID Theft Report.
Product: Mortgage

My complaint is with First National Bank. I have had a mortgage with this bank since XXXX 2015. There is no way for a customer to access their escrow account or see any escrow activity. I now have received a tax bill for {$4300.00}. FBN should pay this from my escrow account. I called and they explained it was never set up, that they will do this. I faxed them all the documentation and they told me they would set it up, pay and follow up with me. 8 days later, no follow up. I call FNB again. They explain they can not find my paperwork - to please resend. It is just very frustrating because I, as a customer, have no way to view my account and see what is going in and what is being paid out. I will resend them the documentation again and call again to see if anyone has it and will pay it. Please require First National Bank to make customers ' escrow account activity available online. Thank you.
Product: Checking or savings account

I moved from the XXXX XXXX to the XXXX XXXX a few days ago for education. Because my current bank is not common in the XXXX XXXX, I decided to open a bank account with Chase. 

My checking account was opened on XX/XX/2021. I called Chase Customer Service about the {$220.00} signing bonus, as I was a student and did not have direct deposit or active income, apart from student loans. The customer service representative said that it was fine and I could receive the signing bonus regardless. 

On the morning of XX/XX/2021, I checked my account to find that Chase had suspended my account to " protect it from suspicious activity. '' When I called them in the evening, I was told that Chase had decided to cease all relations with me and would be closing my account. In addition, I was told that I would be banned from any and all Chase banks and blacklisted from opening any accounts with them further.

Since opening the account, I had not touched it. Despite asking for clarification, they refused to give me any information on what their reasoning was. I wish to know the reasoning, even a general one, for such a dramatic response.

As far as I know, I have a good credit score, have not missed any payments, have a completely clean record. I have ordered and seen my personal XXXX  report and there is nothing to justify their decision. 

If there was a mistake and my account was closed, I could understand, but I can not understand or accept a complete blacklist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have complained to Experian several times about not removing the hard inquiries when they are passed the expired time to be reported. 

Experian has failed to comply with the FCRA about how they are continuing to report hard inquiries that should have been removed because its 24 months is over.
Product: Checking or savings account

CITIZENS BANK IS ILLEGALLY HOLDING A US ISSUED TREASURY CHECK I DEPOSITED WITH THE BANK ON XXXX XX/XX/2023 I WAS TOLD WHEN I DEPOSITED THE CHECK THERE WOULD BE A 48 HOUR HOLD ON THE CHECK. 4 DAYS LATER MY FUNDS HAVE STILL NOT BEEN MADE AVAILABLE ON A US TREASURY ISSUED CHECK. 

CITIZENS BANK NEEDS TO BE INVESTIGATED FOR THEIR ILLEGAL AND UNETHICAL PRACTICES THEY DO WITH CUSTOMERS. 

I HAVE BEEN RACIALLY PROFILED AND BECAUSE OF THE AMOUNT OF THE CHECK MY FUNDS ARE STILL NOT AVAILABLE. 

THE CONTACT NUMBERS ON CITIZENS BANK WEBSITE ARE ALSO DISCONNECTED AND DO NOT WORK. 

AS OF TODAY, NOOONE HAS THOUGHT ENOUGH OF ME TO CONTACT ME REGARDING THIS MATTER, AFTER SENDING SEVERAL EMAILS TO VARIOUS MEMBERS OF THEIR EXECUTIVE TEAM. 

THIS IS CLEARLY ILLEGAL AS A FINANCIAL INSTITUTION CAN ONLY LEGALLLY HOLD A CHECK FOR 2 TO 5 DAYS.

AGAIN, THIS IS A US TREASURY CHECK THAT COULD HAVE EASILY BEEN VERIFIED BY NOW. 

I HAVE CONSTANTLY ASKED CITIZENS TO RETURN MY CHCK AT THIS POINT SO THAT I CAN CLOSE THIS FRAUD OF AN ACCOUNT OUT. 

NO ONE HAS STILL RESPONDED TO THAT REQUEST AND AT THIS POINT MY CHECK IS ILLEGALLY BEING HELD.
Product: Debt collection

I noticed they reported a XXXX dollar debt about a month ago. I have tried to email them and call them at least 5 times to learn how to pay the debt. They won't respond so I have no way to settle this account.
Product: Credit reporting or other personal consumer reports

Ive recently checked my credit report and noticed incorrect information reported among the three bureaus of the date of the XXXX XXXX account opened.Theyre Two different dates shared among three bureaus which are XX/XX/XXXX and XX/XX/XXXX which is INACCURATE because you can only open an account on XXXX individual day. Also theyre no closing day reported for XXXX and Equifax XXXX So that would be an incomplete report.
Product: Credit reporting or other personal consumer reports

I have been paying them to help with my credit they never got anything done just been getting my money
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have XXXX business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 


XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX 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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX Chapter XXXX Bankruptcies on my credit report with XXXX and XXXX. 
XXXX was filed in XX/XX/XXXX. I got a letter from the Bankruptcy XXXX in XX/XX/XXXX, and I told them that this was not mine. They dismissed it. 

In XXXX of XXXX, another case was apparently filed. I never knew about it because I had moved out of XXXX. That case was dismissed in XX/XX/XXXX. No paperwork was ever filed, and no debts were ever provided to the court, there are no creditors. I never had any debts or issues where I would need to file bankruptcy. 

I was the victim of major identity theft in XXXX and I have removed all of the fraudulent items on my credit reports with your help. XXXX items to be exact. XXXX has a fraud alert and they are aware of the other fraudulent charges that were removed, as does XXXX. 

When I ask them to block these XXXX items according to XXXX  XXXX ( XXXXXXXX XXXX section XXXX ) they refuse. They say they validated and verified the items with LexisNexis. When I ask them to verify the Public Record in multiple letters and request documents to verify these items and the names and phone numbers of who they spoke with at the court, the actual finisher of the data, they respond with LexisNexis. I contacted LexisNexis and asked them for the same details, they responded with it is listed on XXXX. I responded with, I do not care where it is listed, I want documentation. No response. I contacted the Bankruptcy Court and they sent me a letter confirming that they do not supply information to the credit reporting agencies. They also state that they can not confirm the existence of these items. They have no jurisdiction over credit reporting agencies, the XXXX XXXX XXXX section XXXX does. They suggest I contact the XXXX XXXX XXXX XXXX XXXX. I did. I filed another identity theft report and sent that to the XXXX XXXX. No response. I have disputed these items at least XXXX times with each XXXX including LexisNexis. I was under the impression that to verify an item as legitimate on a credit report, the XXXX has to, after they waste everyone 's time with XXXX actually contact the furnisher? Am I wrong? If they do not, must they remove the item? They claim a wage earner plan filed, I would love to see it, it can not exist. 

In the meantime, I have been denied credit, charged outrageous fees, and interest all due to these fraudulent items, both due to fall off in less than a year. I am the CEO of a company that is funding a new factory in XXXX XXXX  for {$120.00} XXXX. I am also a XXXX XXXX owner of that company. I can't tell you just I have had to explain this to the investors and how annoying this has been. If there is no way to resolve it, what a great way to attack your rivals in business, just file bankruptcy in their names, in a different state, and the names of the collection agency owners and the CEO of the XXXX XXXX. I assume that would be illegal, yes? 

I am unable to figure out what to do next. Short of having my law firm sue everyone. Please advise me on how to resolve this never-ending nightmare. 

Thank you, XXXX XXXX.
Product: Bank account or service

I opened a checking account at PNC bank, and decided the bank was n't a good fit for me. I ca n't close the account without incurring a {$25.00} account closure fee.
Product: Credit reporting or other personal consumer reports

This is not a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. 
In accordance with the Fair Credit Reporting Act XXXX  these accounts below has violated my rights according to 15 U.S.C 1681 section 602 A. States, I have a 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. 

Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

TransUnion XXXX XXXX XXXX Department TransUnion LLC XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX Subject : Urgent Request for Correction of Phone Number on Extended Fraud Alert and Notification of XXXX XXXX XXXX XXXX Dear TransUnion Fraud Department , I am writing to urgently request the correction of the phone number listed on my extended fraud alert. The current phone number on file is incorrect and should be updated immediately to XXXX. This is the only phone number that should be listed on my file. 

As a victim of XXXX XXXX I have attached all supporting documents, including the XXXX XXXX  determination letter, to substantiate my status. This situation has caused me significant distress and inconvenience, and it is imperative that my contact information is accurate to ensure my safety and privacy. 

According to the Fair Credit Reporting Act ( FCRA ), all information on my credit report must be accurate. Under 15 U.S. Code 1681i, you are required to promptly correct any inaccuracies. Failure to comply may result in civil litigation. I will seek damages due to the detrimental impact this inaccuracy has had on my well-being and ability to manage my credit. 

Please consider this letter and the enclosed documents as an official request for the correction of my phone number. Updating this information will serve as a receipt for me to ensure compliance and, if necessary, to file civil litigation to resolve any further issues. 

I trust that you will address this matter with the urgency it requires and update my contact information without further delay. 

Thank you for your immediate attention to this matter.
Product: Vehicle loan or lease

When the contract with the company was started the agreed upon payment date was the XXXX of every month starting in XXXX. I was having trouble managing the payment date so I set up a payment arrangement to split the payments into two transactions with the promised dates of the XXXX and XXXX of each month until canceled on my end for half of the paying around XXXX XXXX and XXXX dollars. The month of XXXX the money came out of the account on those days and everything was fine. I check my account due to the fact I will be having an up coming payment and notice I am charge a XXXX dollar late fee on the XXXX of last month, XXXX. I checked all of my transactions and the money came out on the XXXX around the same time XXXX just as promised. Yet my account is saying a passed due late fee of XXXX dollars was giving to me on the XXXX of XXXX. I have never missed or been late on a payment since I started with the company and Im not understanding why this charge has been given to me. Ive tried calling and the office is always closed by the time Im out of work or on weekends even tho it says it is open. I want this fee gone immediately and not reported on my credit nor do I want this problem again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with OneMain. 

I fell behind on this account. The company called me at work and at home. They harrassed me. I asked them finally to stop calling. 

I resumed paying this account in XXXX. I have made payments in XXXX and XXXX. 

In XXXX, I called the company. I spoke to a representative in the credit department at the company. I apologized for my loan being late. I told her that I was making regular payments. I asked the person if my credit report would be updated.. The person thanked me, said that she understood, and informed me that my report would be updated by the company to reflect the payments coming in. 

Instead, the company charged my loan off as a bad debt. I made another payment in XXXX and noticed no update to my report, until a review by me indentified the charge off. 

The company 's credit department refused to work with me. The explained that changing the report would be " dishonest '' even though I called them and started making payment again before the charge off. 

This is very bad business practice. I am asking for the company to change my report back to show that this account was behind, and that I am now making payments. The " charge-off '' should be removed from my credit report. As it stands, the only way I can rectify this matter now is to pay the loan in full which will cause me significant hardship. 

What is troubling is that I received two different responses. I was never told by the company when I phoned in XXXX that my debt would be charged off. I was thanked for resuming payments and for wanting to work this loan out. Now, when I call again, I am told something completely different. I accept responsibility for this. I made an attempt to resolve. That attempt was received. The company arbitrarily changed its stance and has taken a position now that has done me harm. 

I continue to make monthly payments to OneMain. My next payment is on XX/XX/XXXX.
Product: Credit card or prepaid card

I opened an amazon store card issued by synchrony bank with the specific intent of managing all of my amazon purchases in XXXX place to make them easier to track, and to get 5 % cash back on those purchases. Since the card was issued, I have made multiple payments, prior to my due date, including recently paying the full balance. However, even though my recent payment to pay off my full balance was made on XX/XX/XXXX, and cleared my bank account on XX/XX/XXXX, they are still showing the payment as " pending '' and their CS reps and a " manager '' who I doubt could manage a trip to the grocery store. The email they sent me when I made the payment CLEARLY stated that my payment would be credited within 1-2 business days. I still can not use the card, because they told me that they are holding it for 10 days because it was a " change in payment habits '' which there really isn't. I have made large payments in the past that were NOT held for 10 days. All purchases have been shipped to my home address and all payments made with the SAME checking account, so there are no fraud indicators. They claim that they " can not manually release the hold '' which we all know is a line of XXXX. I've worked for XXXX of the oldest ecommerce companies for 23 years, so I know it's a line of XXXX. Automation, XXXX  and algorithms are only as good as their inputs and are not infallible, there is ALWAYS a way for a human to review and do the right thing for the customer. I literally do this for a living as an Operational Policy, Risk and Controls Analyst and I write the kind of fraud trigger rules they are referencing. If they are not going to uphold the payment clearing dates they communicate IN WRITING, they should be held accountable. Customers depend on the companies they deal with to be honest in their dealings and communication. This company is obviously not.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.