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

After receiving and reviewing the results of a recent dispute sent to Equifax. I am confused on the response from the bureau. I had my XXXX file suppressed in XX/XX/2018 ( see enclosed attachment ). However, the correspondence dated XX/XX/2018 under Confirmation # XXXX states that Equifax verified their recording of my dispute with XXXX. 

Due to this development, I am know requesting the method Equifax used to verify certain items on the credit file dated XX/XX/2018 under confirmation # XXXX. FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) states that upon request the bureau must provide a description of the procedure used to determine the accuracy and completeness of the information. This includes, but not limited to the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. I am requesting this for the following account : XXXX XXXX  XXXX XXXX ID # XXXX As stated in FCRA 611 ( a ) ( 7 ) the bureau must provide this information no later than 15 days  after receiving this request. It is amazing that Equifax through their reinvestigation is using a third-party file that is suppressed to verify a dispute. This appears a real violation of the Fair Credit Reporting Act codes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been banking with XXXX for the past 10 years. We have business accounts, 6 personal accounts and 4 credit cards. Not once have we been late in any of our payments as we have always had automatic payment set up in all of of our credit cards. I have no understanding as to why we have a late 30 days late payment in our account from 2017. Again, we have automatic payments on all of credit cards and are extremely careful to pay each bill on time. 

We need this to be fixed immediately as we are undergoing lending for our business and can't have an error on my credit file. 

Account Number- ... XXXX
Product: Credit reporting or other personal consumer reports

Ive several incorrect late payments and delinquency on my credit report which is false. 
XXXX : XX/XX/year> XXXX XXXX  shows as Late/ delinquent = {$2500.00} XXXX : XX/XX/year> XXXXXXXX XXXXXXXX account shows as Late/ delinquent {$100.00} XXXX : XX/XX/year> Santander consumer USA shows as paid off but reported a late/ delinquent payment on my report 4 : XX/XX/year>XXXX XXXX XXXX XXXX  also shows as Late/ delinquent = {$350.00} XXXX : XX/XX/year> XXXX XXXX  shows as late/ delinquent = {$4000.00} XXXX : XX/XX/year> XXXX XXXX XXXX, shows as a collection on my account and its Late/ delinquent = {$490.00} XXXX : XX/XX/year>XXXX XXXX XXXX XXXX  reported Late payment/ delinquent account of = {$2200.00}
Product: Bank account or service

I reported a fraud claim to US BANK on XXXX/XXXX/2016. Their policy is to provide provisional credit in 10 business days. They have yet to do that and they have n't sent me anything in the mail regarding paperwork, etc. 
I have spoke with them on numerous occasions up until XXXX/XXXX/2016. 
Nothing has been resolve.
Product: Debt collection

I have tried disputing this collection debt account. I have requested full verification of this account. I have not had any success with my attempts to get this debt account validated by the credit reporting agency or the original creditor.
Product: Debt collection

On XX/XX/XXXX, I contacted by the Navient office in Indiana to discuss options for repayment. They failed to disclose their intentions that they were collecting on a debt, which is a violation of the mini miranda laws. I explained to the representative that I was not working, currently enrolled in school and unable to make the XXXX payment or a XXXX payment to make the account come current. The representative, XXXX, in the Indiana office began to leave deceptive, harassing and unlawful tactics on my voicemail and failing to disclose the intention of her call. Again, on XX/XX/XXXX, the same representative called and left a voicemail again failing to disclose their intentions on collecting on a debt. On XX/XX/XXXX just four days later the same representative called leaving a voicemail with an intent to be threatening by using deceptive, abusive and harassing tactics to collect the debt. On that same day, XX/XX/XXXX, the representative called two of my family members, even though the representative has a working number, that were not authorized on the account to be contacted. On XX/XX/XXXX, I contacted the Navient office and spoke with a representative that again did not disclose their intentions that they were collecting on a debt, which is a violation of the mini miranda laws.
Product: Credit reporting or other personal consumer reports

Credit inquiries for XXXX XXXX XXXX and XXXX XXXX XXXX dated XXXX XXXX are the result of identity theft, and They are not belonging to me.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and noticed multiple inquiries from your company that I dont recognize or remember authorizing. This is really concerning, as its affecting my credit score and causing me a lot of stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted several times to handle this Situation with equifax regarding the breach of my privacy, this company keeps stalling. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

This creditor is attempting to collect a debt that does not belong to me. My information was stolen by identity theft. The creditor was alerted and is still harassing me and reporting inaccurate information on my credit file.
Product: Checking or savings account

On XX/XX/XXXX I placed a bill pay request with PNC bank to be sent to a credit union to pay off a loan. There was a specific amount required for the date selected. Their website shows " Check # XXXX from your CHECKING XXXX account was mailed to XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX. Funds for this payment will be withdrawn from your account when XXXXXXXX XXXX XXXX cashes the check. '' I check with the XXXX XXXX and that have no record of the transfer. I call PNC get hung up on 2 times and then was informed the money was not sent until today XX/XX/XXXX. I point out that was not what I ordered nor what their website stated and the loan payoff increases with each passing day. They customer service rep just kept saying it was not sent until today.
Product: Credit card

On XXXX XXXX, I was denied an extension of my credit. Ive reached out numerous times to have that application revised. 

In American Express XXXX, XXXX, and XXXX information, it states that they can't verify what my credit score is so if they can't verify what my credit score is how can they deny me what their report says?

I asked them What factors did their Treasury Underwriting Department utilized to deny me, because their prospectus from American Express Credit Account Master Trust, states on page 50 about the Underwriting & Authorization Process, and it states. Virtually all underwriting and authorization decisions use an automated system to capture the relevant information, execute the scoring logic, compare the proprietary risk scores against cut-off levels, apply business rules and legal requirements, and then execute the approve or decline decision. In specified circumstances, including for certain product applications or where certain information is unavailable, the framework incorporates manual decision-making by a dedicated, specialized, and experienced team to evaluate the available information to assess the applicants predicted risk, adhering to the same underwriting policies and standards. 

An Underwriter did NOT review this application if an automated system captured the application. That's not a valuable consideration. 

I gave/bartered with American Express a Security that they are turning into a receivable that they are going to get paid for because I gave them my social security number, they have now acted as Power Of Attorney and Fiduciary, so I need them to do their fiduciary duty or I will have to alert other proper officials. 

I know American Express is securitizing the receivables and trading them on the secondary market. Because I gave a promissory note as an INVESTOR I am allowed to claim the credits that are owed to me. They are in violation of their Security Exchange Commission agreement.

I have several certified receipts of notices I've sent them regarding this matter and every certified letter has been looked over. I even reached out to the CEO XXXX XXXX and Investor Relations and no response back from either person.
Product: Debt collection

I would like if Experian can removed XXXX XXXX as a collection from my credit report. I recently disputed this company with XXXX and they removed it from my credit report. I would also like Experian to fully investigate this company as they have failed to provide validation that I owe them the amount.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handlings of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to do scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Payday loan, title loan, or personal loan

I have been a customer of Uplift since 2021. I have had 3 loans and have always paid in full and never late. Recently, I have been trying to get another loan and it kept saying " Application information can not be verfied '' The customer service number is a scam and there is never an option to talk to a live person. I finally got an email from the fraud and risl department asking for my ID a selfie which I Provided. Then they responded saying I had to provide a selfie HOLDING my PAssport. This I thought was odd as no company has ever asked for this and I emailed back saying I would be happy to provide any other documents but that I wasn't comfortable holding my ID in a pic. Nevertheless, after no response I uploaded my passport again and A photo of me holding the passport. In the selfie, I blurred out my background as I took the pic at work and didn't want my background to show. 

After all this I get an email saying that they have disable my ability to use their services again. This is borderline discrimination, is it because I am XXXX? 

How can you never question MY identity- I have paid 3 loans on time and with good faith and now this company decides I am not who I am and that I can not use their services anymore. There is no live person to talk to. I feel like these decsions are made by a computer. I just want to be able to use a service I have used in the past and with good results. I think being disables is extreme and uneccesary. I have never filed a fraud claim, I have never said I had issues with UPLIFT, why are you now saying you can't verify me. After 3 years of being a good customer that is ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with CFPB in April regarding a bankruptcy listed on my credit report for XXXX. When I called and wrote the bankruptcy court they had no info to give me regarding the bankruptcy. The bankruptcy court also sent a letter to me stating info isn’t given to credit bureaus. I challenged XXXX and told them per the debt collection laws they must make a full investigation of my Dispute. I requested XXXX disclose the names and phone numbers of who they spoke to at the bankruptcy court as the law require some them to get info directly from the furnished of that information. Instead I got a simple email response saying the investigation is complete. I never received it’s method of investigation. It never told me who it spoke to from where and when. This is in direct violation of the Fair Debt Collection Practices Act. I have informed them of this yet I still get no research, no names and no original furnished info. I’m demanding they send me the full names and numbers of the persons they have verified this with at the courthouse. Not no fictitious name like XXXX. XXXX is not an original furnished per the FDCPA
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. it's my understanding that XXXX, XXXX, XXXX will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify CAPITAL ONE AUTO FINANCE '' XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are names and addresses on my credit report that arent belonging to me, I would need to seek an immediate correction. 

My correct name is : XXXX XXXX My correct address is : XXXX XXXX XXXX XXXX, KY XXXX
Product: Credit card

I had fraudulent charges on my card. After receiving notification that I had payment due I reviewed my statement and found that my card was missing and had been used in florida. I contacted Capital One, the card issuer and notified them on XXXX/XXXX/15. After not receiving a provisional credit back to my account I contacted CFPB to make a complaint. Capital one then reached out to me and said that to go any further with my case that I would HAVE to file a police report, and that this was because I had made a complaint in the first place and that my case had been escalated to management. After research I found that this is against regulation E to require a police report. Bottom line - I did n't make the charges, they should be refunded.
Product: Credit card

On XX/XX/24 Citibank withdrew {$2000.00} as a payment without authorization. On XX/XX/24 after contacting them and indicating their actions were unauthorized, they returned the money to my account. On XX/XX/24 the again withdrew {$2200.00} out of my account without authorization. They currently have not returned the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was filling out an application for a mortgage loan on XXXX XXXX XXXX and XXXX section asked to review my previous credit inquiries and give the reason for the inquiry. According to this section, someone had pulled my credit on XXXX XXXX XXXX. I hadnt authorized any form of credit inquiry since XX/XX/2021. I immediately went to my Chase bank app and sure enough the inquiry was there but I didnt recognize the name : XXXX XXXX XXXX  XXXX. My best guess is that it was our previous loan officer, XXXX XXXX that our realtor recommended but he had stopped answering us about two months prior, and then we only heard from him sporadically until we just decided to find a new loan company. We never worked with this man through a company, just himself by name. There was XXXX point where he apparently had changed companies when we were still using him. Regardless, he never asked for our consent to pull our credit and had I not found this new loan officer, I never would have been notified of the inquiry. I called Chase costumer service on XXXX XXXX and they gave me a different number to call that said it didnt exist. So I came to report it here.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently ordered my consumer credit file from XXXX, XXXX and Equifax and notice these late payments with XXXX XXXX XXXX  # XXXX. I am requesting all be removed from my file this finding has caused stress, my credit utilization to increase which ultimately has caused a low credit score and credit denials along with higher interest rates. 15 USC 1666 Does not include Late Payments. Please remember 15 USC 1681 ( b ), & 15 USC 6802. I have a right to privacy and I never gave any of the credit reporting agencies permission to furnish a report on me in the first place. The line of credit that I have with your company, which is characterized as utilization on my consumer report. Your company is illegally reporting this experience i.e. my utilization. On my credit report. Your company is in clear violation of the law pursuant to 15 USC section 1681 2 ( a ) ( i ) -exclusions except as provided in paragraph three, consumer report does not include a subject to section 1681S - 3 -of this title any ( i ) Report containing information solely as two transactions are experiences between the consumer and the person making the report. The law clearly states transactions or experience between the consumer which is myself and you the comp corporation making the report are not included on my consumer report. Utilization is an experience with the line of credit that was extended between the Consumer and me the person. Congress clearly states that the reporting transactions are experience between the consumer and the person making the report is not to be included on internal reports. My privacy rights has been violated and I have been denied credit due to your reporting of late payments and utilization.
Product: Money transfer, virtual currency, or money service

I received a check for the value of {$3400.00}. I believe this to have been a fraudulent check, but did not know at the time I deposited the check. I deposited the check into my Chase checking account on XXXX/XXXX/XXXX. I was informed by the scammer on XXXX/XXXX/XXXX that I needed to withdraw {$2500.00} of the money that I deposited, and submit that money into another Chase business account. I can provide the name on the account and the account number, upon request. I believe this account is directly associated with the scam. I submit the {$2500.00} into the account provided on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I received a notification from Chase stating that my account was overdrawn by {$2500.00}, because the check for {$3400.00} had bounced. I called Chase bank to try to figure out what had happened, and spoke to several different customer service representatives. The last representative I spoke to instructed me to go to the Chase bank branch I made the {$2500.00} deposit, and instruct the bank teller that I worked with to contact a number that they provided me. Upon arriving at the Chase branch that I made the deposit at, they informed me that they would not, under any circumstances, call that number, and that there was nothing that I could do in this situation aside from paying the negative balance on my account. I have submit a police report, # XXXX, and can provide a copy of the report upon request.
Product: Credit reporting 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 accounts 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/block any accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

The account was reported in XXXX when actually was sent in XXXX. I found out by looking at my credit and they never reached out to me. They also reported in payment history that was sent to collections in XXXX but account opened XXXX as collections. The information on account was paid in full and was promised to be deleted off my credit report if paid in full which it was. I asked for notes and ledgers and was refused to be given information. I never received a letter of pay off or ledger, was never deleted off report, and has incorrect information that I tried disputing. It was action collections XXXX accounts with same issues on my credit. I made payment plan and paid on time and was told it would reflect on my account as on time payments.
Product: Checking or savings account

On XXXX XX/XX/2023 at XXXX got an email from Ally bank stating -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX, we declined a recent transaction because you didnt have enough money in your Spending Account to cover it. 

What you need to know about the transaction we declined {$300.00} XXXX XXXX XXXXXXXX XXXX  never charge you an overdraft fee, but check with the recipient for this transaction. They may charge a fee on their end. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I have {$630.00} as account balance at that time but still the transaction is declined. 
I called Ally bank and talked to XXXX ( interaction # XXXX ). She couldn't help. When asked to talk to the supervisor. Hold time of around XXXX minutes but no supervisor is readily available.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 I have the right to privacy 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 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 any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING INQUIRIES WERE NOT MADE BY ME. THEY ARE FRAUDULENT. I ASKED FOR THEM TO BE REMOVED Finance XXXX Dc Inquiry from XXXX XXXX, XXXX + Bank XXXX XXXX XXXX from XXXX XXXX, XXXX + XXXX. 
XXXX XXXX XXXX from XXXX XXXX, XXXX + Bank