23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I received a XXXX payment of {$500.00} as a deposit for a private sale and the money was posted the same day into my Chase checking account. Three days later the payment completely disappeared from my account showing no transaction that funds were deducted. When contacting Chase they verified that the funds had been received but claim XXXX had an outage that cancelled transactions, and that the money was being sent back to the receiver. The most concerning thing about this is that the money just disappeared from my account without any recording transaction. And Chase claimed they could not give my proof that the money had been sent back to the sender. I contacted the sender and they have no record of the money being returned to them, and sent me screen shots of their bank account to prove it. So {$500.00} just disappears into thin air? I believe consumers should know the risk of using XXXX, particularly because Chase claims there is nothing they can do about it since it's a XXXX issue, and XXXX is telling me they can't support me since I use XXXX through my bank account. If payments are revocable, that should be made plain to the consumer, and communication should go to the sender and receiver letting them know the payment has been returned ( neither sender nor receiver were notified ). 

CONSUMER BEWARE!
Product: Credit reporting or other personal consumer reports

There is a U. S. Bankruptcy Court item listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.

The County Recorder of Deeds and the Bankruptcy Courts have both mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third-party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed no credit bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all tax lien and bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. 

The credit bureau needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ).

Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account
information. I have attached the documentation from XXXX that they deleted the inaccurate bankruptcy they use to report against me. If XXXX, XXXX and XXXX all have freezes and deleted this erroneous bankruptcy, how are you validating this debt to stay on my credit?

Failure to respond in a satisfactory manner within 30 days or unlawful non-complaint will lead to legal action.
Product: Debt collection

I RETURNED THE GLASSES TO THIS COMPANY AND THEY HAVE NOT REFUNDED MY MONEY YET!!! THEY HAVE LIED TO ME CONSTANTLY ABOUT THE REFUND POLICY AND I CANT GET NEW GLASSES BECAUSE THIS COMPANY HAS NOT REFUNDED MY MONEY. I WENT TO THE LENSCRAFTERS IN XXXX ALABAMA ITS JUST A BUNCH OF RACIST, INSENSITIVE PEOPLE WORKING THERE THAT DON'T CARE
Product: Credit reporting or other personal consumer reports

To whom this may concern, After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number As you know it is against the law to report any information not proven accurate. 
I demand that you provide me with concrete evidence of my obligation to said accounts. 
Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. 
I am not in dispute of the ownership of the account but if you are unable to to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 

The following inquiries are not related to one of the allowable purposes, as I have reiterated from The Fair Credit Reporting Act. 

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 Please remove these inquiries from my credit report immediately. 
Best Regards, XXXX : XXXX [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved
Product: Credit reporting or other personal consumer reports

This formal complaint is against Experian. I have disputed with Experian a few times regarding the inaccuracy of late payments being reported on my consumer credit report. A letter was mailed to Experian, contacted directly over the phone, and documentation was provided to them. I received your response stating that the late payments on my consumer reported were verified as accurate. Even after Experian 's reinvestigation, the inaccuracies still appear on my credit report. 

Experian is in CLEAR violation of the law. Pursuant 15 UC 1681a 2 ( A ) ( i ) and this constitutes to inaccurate reporting. 

Exclusions Except as provided in paragraph ( 3 ), the term consumer report does NOT include : ( A ) Subject to section 1681s-3 of this title, ( i ) Any report containing information solely as to transactions or experiences between the consumer and the person making the report ; The Law Clearly States : Transactions between the consumer ( ME ) and the person/company ( XXXX  XXXX ) making the report is NOT INCLUDED on my consumer report. A late payment is a transactional history, My History with the company. CONGRESS clearly states that the reporting of transactions or experiences between the consumer and the person making the report is not included on the consumer reports. 

Experian ( the consumer reporting agency ) has VIOLATED the FCRA 15USC 1681a 2Ai by reporting these transactions and experiences, reflected as late payments on my consumer report which CONGRESS clearly states IS NOT included on my consumer report. 

In accordance with the Fair Credit Reporting Act, Experian has also violated my following rights : 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 states that consumer reporting agencies can not furnish an account without written instructions 15 USC 1666b timing of payments states a creditor may not treat any payment on a credit card as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2023, to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX, opened line of credit with JC Penney department store with Synchrony Bank managing the card. Listed wife, XXXX XXXX, as authorized user. JCPenney transferred the account XX/XX/XXXX and transitioned the line of credit to another JC Penney card, also from Synchrony Bank. 
Currently, both I and the authorized user are missing seven years and five months of credit reporting history ( XXXX XXXX XXXX  ), impacting our length of credit and therefore impacting the credit score. JCPenney is reporting the length of credit history beginning with XXXX. 

XXXX requires a credit history of 25 years for an " excellent '' rating for age of oldest credit line. Without the missing nine years of JCPenney credit history, my authorized user has an oldest account listed as 17 years. Adding the seven years of history with JCPenney will allow my wife to demonstrate length of credit history of 26 years. This will have a positive impact on both our credit scores. 

A letter sent to JCPenney in XXXX, XXXX, requesting a change to their reporting, has gone unanswered.
Product: Student loan

Several student loans was opened XXXX have disputed these loans XXXX XXXX XXXX and XXXXOne was on XXXX XXXX with Navient and DEPT OF ED/XXXX The amount is $ XXXXThe 2nd one is $ XXXX also disputed an account opened with XXXX XXXX XXXX for {$1900.00} last reported XX/XX/2023 XXXXthe original creditor was XXXX XXXX, I did not give them permission to give someone this information, The last one is XXXX XXXXXXXX for a credit card that was opened for {$250.00}.
Product: Checking or savings account

Wells Fargo took XXXX out my account because they let XXXX take money that wasn't there so I had to pay that back with a over draft fee this was in XXXX I paid it back then XXXX they took XXXX again and when I tried to dispute it they wouldn't even tell me where the initial XXXX came from. Then I called them back and they said they said wells Fargo took the XXXX cause I owe them when I don't owe them when I already paid the XXXX in XXXX. I've since closed my account because I can take the chance if them taking another {$390.00} or overdrafting my account. Please someone me retain my funds.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the current CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially availiable fund. I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

I received an alert that had a collections account. I contacted the number the gentleman would not provide any informationThere is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : Transworld system IC XX/XX/2023 You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking for a job in late XXXX and requested current offers in XXXX. Received hundreds of job postings ... one that looked good was a XXXX/XXXX   business from XXXX and now branching to the US and needed a XXXX XXXXXXXX  for XXXX  I applied for that position and, after the company reviewed my background check and credit report, they offered me the job. 
There was a 30 day probationary period where I had to complete eight assignments, the first of which was to XXXX  XXXX XXXX for XXXX and XXXX clients who could not procure these products in their home country or they were too expensive over there. 
The company would deposit the amount of funds into my XXXX XXXX credit card to make the purchases. I did as much due diligence on the company as I could, and everything seemed to check. I was sent {$7000.00} initially and then another {$2400.00} into my XXXX XXXX accounts, and made the purchases of high end computers. A few days later I got some calls from sources I was trying to contact and discovered it was a fraud. I immediately called XXXX XXXX and told them to remove XXXX XXXX  from my kisted banks, before the fraud affected the cash they had sent me. 
They said they would but found out 3 days later that they " re-directed '' one of the payments back to XXXX XXXXand I called XXXX XXXX  to explain what had happened, and they told me that since I didn't have an account with them ... .they couldn't discuss the matter, and told me that I needed to get XXXX  XXXX involved and have them call him back,,, ,it was an XXXX XXXX ( or close to that ) .Their number in N.Y. is XXXX ... 
XXXX XXXX wouldn't get involved, in spite of the fact that I had the perpetrators cell phone number, address and lots of other information that I had files on in my computer. 
I connected with the XXXX XXXX fraud department, also three full days before they redirected my funds back to XXXX XXXX, in spite of the fact that I called them ( and it's on tape ) to halt any money exchanges with XXXX XXXX. Two males in the XXXX XXXX fraud department told me not to worry about it because I was 100 % protected for this fraud. But the story changed as I went along and they became much more deceptive as each conversation with them transpired. 
XXXX XXXX has also destroyed my credit rating even though I disputed the narrative they seemed to believe. All they wanted to know was that I charged items with their card and therefore I was responsible. Their phone number is XXXX. 
By immediately damaging my credit rating in spite of my dispute, they have violated the Fair Credit Protection Act. They also violated the acts dictum that they can not breach the cardholders limit on his/her credit ... .which they did by going over my limits by 90 %. 
I have much more to tell you about this episode and other conversations I've had or was supposed to have with XXXX XXXX employees, but they never kept any promises they made to me. 
Please contact me with any additional information you need and I will reply immediately.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to dispute a late payment reported by XXXX XXXX BANK on my credit card account XXXX. Under 15 U.S.C.1666 B, creditors are prohibited from treating a payment on a credit card account as late for any purpose under an open-end consumer credit plan if specific conditions are not met. The reported late payment violates this provision In accordance with the fair credit Reporting act XXXX Account 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 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Debt collection

Found out about this fraudulent charg, {$550.00}, from XXXX credit reporting agency and have made 2 calls to Qualia Collection Services. Left my name and phone number, along with the Qualia account number. Have not received a call back concerning this claim and have disputed the {$550.00} claim at XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Inquiries XXXX XX/XX/year> XXXX XXXX XXXXXXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts Receivable - XXXX - is reporting on my credit report for over 5 years now for an account that was paid to the original creditor prior to it even going to collections! It was sent in error and yet it is continuing to update on my credit monthly. I have contacted my attorney and the next communication will be from him if they do not remove this account from my credit report. I never even got a notice from this company. 
They just put it on my credit with no 30 day right to dispute -which is against the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX , XXXX/DEPTOFED XXXX
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 15 USC 1681. I have already submitted a complaint and I have requested information regarding the accounts below over 120 days ago and have not received any information or a resolution from the companies listed. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXXXXXX XXXX XXXXXXXX # XXXX, Account name : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Account Name : XXXX  XXXX # XXXX, Account Name : XXXXXXXX XXXX XXXX XXXXXXXX, Account Name : DEPT OF ED/XXXX  # XXXX has violated my rights.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 card or prepaid card

My XX/XX/XXXX Mastercard statement from Huntington Bank included three charges ( all on XX/XX/XXXX ) from XXXX, XXXX totaling {$5400.00} and XXXX charges ( all on XX/XX/XXXX ) from XXXX, XXXX totaling {$2300.00}. These charges totaled {$7700.00} and were obviously fraudulent as the credit card remained in my possession at all times and I had not provided the account information to anyone, much less to people in XXXX and XXXX. I contacted Huntington 's Fraud Division twice and visited a Huntington Bank branch twice to contest the charges as fraudulent. On XX/XX/XXXX, I sent a letter to Huntington stating that the charges were fraudulent and that I refused to pay them. 
I received identical letters dated XX/XX/XXXX and XX/XX/XXXX stating that " no error had occurred '' and that I was responsible for paying the entire amount plus applicable interest and fees. I filed a police report and sent Huntington a letter on XX/XX/XXXX citing the Fair Credit Billing Act and again refused payment of the fraudulent charges. Huntington has not responded to my XX/XX/XXXX letter, continues to add interest and penalties to the disputed charges, and calls constantly. When I call Huntington as requested, they inform me of the total owed, which now includes approximately {$900.00} in interest and fees, and that I need to make payment immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Enrolled in XXXX XXXX XXXX XXXX over 11 months ago to manage my credit card payments. PNC Bank and XXXX XXXX XXXX  have agreed on a payment plan for me. I have honored their payment plans via XXXX. These two entities have been harassing me for months with phone calls, emails and submitting incorrect damaging info to credit bureaus... continually lowering my credit scores. I have contacted them and XXXX numerous times but these damaging actions continue.! They continually report I am delinquint on payments and/or have past due amounts. PLEASE HELP XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of 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 receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX  XXXX  data breach as well as equifax 's XXXX  date breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  XXXXXXXX  Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$3000.00} ; XXXX XX/XX/XXXX