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

There are several inaccuracies on my credit files with both XXXX and Equifax. I will list the inaccurate/fraudulent accounts and the inaccuracies that show on each report. 

Inaccurate/Fraudulent Account XXXX XXXX XXXX XXXX XXXX - Shows nothing under " Status '' on EQUIFAX, XXXX Collection account. {$19000.00} written off. '' on XXXX, and the account doesn't show at all on XXXX. 
- Account Name shows as " XXXX XXXX XXXX XXXX on XXXX, " XXXX XXXX XXXX '' on EQUIFAX, and the account doesn't show at all on XXXX. 
- XXXX XXXX shows as {$900.00} on Equifax, as nothing on XXXX, and the account doesn't show at all on XXXX. 
- Account type shows as " Installment '' on EQUIFAX, as " Auto Loan '' on XXXX, and the account doesn't show at all on XXXX. 
- Payment History shows as " ND aka NO Data '' for XXXX and XX/XX/XXXX on XXXX, as " XXXX XXXX '' for XX/XX/XXXX and " ON TIME '' for for XX/XX/XXXX on EQUIFAX, and XXXX account doesn't show at all on XXXX. 
- Payment History shows as " ON TIME '' for XXXX and XX/XX/XXXX on EQUIFAX, as " Collection '' for XXXX and XX/XX/XXXX on XXXX, and the account doesn't show at all on XXXX. 

Inaccurate/Fraudulent Account XXXX = XXXX BANK - Payment History shows as " ON TIME '' for XX/XX/XXXX on EQUIFAX, and " Charge Off '' for XX/XX/XXXX on XXXX, and the account doesn't show at all on XXXX. 

Inaccurate/Fraudulent Account XXXX = XXXX XXXX XXXX - XXXX History shows as " On Time '' for XX/XX/XXXX on EQUIFAS, as " Data Unavaliable '' for XX/XX/XXXX on XXXX, and the account doesn't show at all on XXXX. 
- Highest Balance shows as " {$520.00} '' on EQUIFAX, as " {$520.00} '' on XXXX, and the account doesn't show at all on XXXX. 
- Balance shows as " {$500.00} '' for EQUIFAX, as " {$500.00} '', for XXXX, and the account doesn't show at all on XXXX. 
- Credit Usage shows as " 101 % '' on EQUIFAX, " 100 % '' on XXXX, and the account doesn't show at all on XXXX. 
- Account number shows as " XXXX '' on EQUIFAX, as " xxx '' on XXXX, and not at all on XXXX. 

UNDER 15 USC 1681e ( b ) any inaccuracy on a consumers report, the account should be removed immediately. Copies of each report from each consumer reporting agency have been attached so the inaccuracies can be reviewed. I also included a copy of my Passport and SS Card. Thanks for your assistance.
Product: Checking or savings account

I applied for a online checking account with First Tech Credit Union. 
After several weeks they asked for copies of my valid government id card, being a N.C. driver 's license, and SSA card.

I included my valid U.S. passport, as well. 
Then, I received an email that my application was declined, and to contact XXXX. 
I have an XXXX account, and this is a sham, as XXXX has all of my records that match what was sent to First Tech. 
XXXX has nothing to do with this. 
They did the same thing to my wife.
Product: Vehicle loan or lease

American Credit Acceptance Account No. XXXX XXXX XXXX XXXX XXXX XXXX My vehicle ( described above ) was recently repossessed from my home in XXXX, Florida, on XX/XX/XXXX, and taken to a location in XXXX XXXX. Im contacted Credit Acceptance and was advised that if she made all payments on or before XX/XX/XXXX, im could go and retrieve my vehicle in XXXX XXXX. On XX/XX/XXXX, six ( 6 ) days before the deadline, i made all payments owed and due to Credit acceptance. After me made the payments, i contacted Credit Acceptance to schedule the pickup of my vehicle. I was then advised that the vehicle was sent to XXXX, Florida, 4 hours away from my home. 
It is obvious that properly reinstated my loan. It is also obvious that the transfer of the vehicle to XXXX after promising to keep the vehicle in XXXX XXXX until XX/XX/XXXXh was improper and violates the FDCPA. 
I have a XXXX year old son with XXXX XXXX XXXX, my husband is a XXXX and he is not home right now. It is very hard for me with a XXXX XXXX without a car. I can't go to XXXX to get my car.
Product: Credit card or prepaid card

From XX/XX/2020 to XX/XX/2020. I tried reaching out to capitol one during corona pandemic to get a forgiveness or forbearance plan. I did not receive any hardship forgiveness due to Corona pandemic for monthly payments. I could not pay all bills mortgage and babysitters due to kids being out of school.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint to CFPB in XXXX of 2022 about Bank Of America reporting inaccurate information, Bank of America responded back with documents. Well upon looking at the documents, I see that Bank of America is in violation of 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
Also they are in violation of 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I was not giving the option to opt out and I didn't give Bank of America permission to publish my information to the consumer reporting agencies. Also in the document that Bank of America provided, Bank of America stated that they are required by law to provide the following notification : We may report information about your account to credit bureaus. Late payments, missed payments or other defaults on your account may be reflected in your credit report. Notice Bank of America said, " may report, '' in case Bank of America is not aware what the definition of may means, it means expressing possibility or expressing permission. In other words, they are not required by law to do so. Once again I did not give Bank of America permission to publish this information nor was I giving the option to opt out. Also upon researching, creditors are not legally obliged to report AT ALL, to the consumer reporting agencies. It is a voluntary practice. So unless Bank of America can show what law requires them to report information, I demand this account be deleted from all 3 consumer reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have for months been trying to get my consumer report AND FILE from transunion, I have requested it by mail and not received it, the only time I have received copy is when disputing something, which as of this point theyve made it extremely difficult because I cant access my report online through annual report or on Transunion site, and when Ive called they cant verify my identity based on my answers. 

Please help me with my request, this is frustrating and causing me stress, I have things that need to be addressed on their reporting and its not allowing me to.
Product: Credit card

We had assigned a charge card for an employee, XXXX XXXX, in XXXX. On XXXX, When the employee left the company, we submitted in writing to our business consultant to cancel card. Our business consultant was XXXX XXXX XXXX XXXX were documented to request the cancelation effective immediately on XXXX. 

On XXXX our bookkeeper documented that there was no reversal and that the card fee was still on the account. We sent an additional email to XXXX at AMEX to refund any credits and cancel the card. 

On XXXX our bookkeeper said AMEX still charging renewal fee for inactive employees card. Contacted AMEX and asked if there was any activity on the card and they confirmed there was none. 

I explained how we had submitted several requests in the past and that card should be canceled. First gentleman XXXX ( chat ) said he would cancel. I approved and asked for a manager to discuss credits for card that was requested cancelation in XXXX. 

Minutes later, XXXX came on line and offered cancelation. I told her XXXX said he was canceling and she said card was still active. I asked again for a XXXX time now, to cancel the card. She responded " card is now canceled. '' I then asked, with our history of asking for a cancelation, and showing zero activity on the card, can we get credit for the fees charged since we have in writing our request to cancel? 

She responded, fees are " non-negotiable '' and will not be credited. I then asked how this is possible since we have documentation requesting that the card be canceled in XXXX? 

She responded with fees are non-negotiable again. 

This is unacceptable and charging fees on a card that has been requested is not fair to any individual, company, or account. As a fiduciary responsibility, AMEX should respond to a request and in a timely fashion to avoid any undue financial hardship from any clients submitting requests. 

In this case, AMEX has benefitted financially by responsibly completing their duties and it violates their fiduciary responsibility as a financial institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian ( CRA ) is continuing to report these inaccurate addresses and names on my credit report after I have disputed these addresses and names numerous times. I have sent them a copy of my driving license and bank statement with my current address and full name as it appears on my driving licenses. I just recently disputed this same information numerous times on XX/XX/2020 and XXXX of this year and they continue to report the inaccurate information and it's a false representation of me.They are setting me up for possible identity theft. I have also disputed this information with the grantor of the information and they have corrected it, but Experian is still reported the inaccurate information on my credit report.
Product: Checking or savings account

On XX/XX/2018 a unauthorized charge on my debit card of XXXX for XXXX   was made. 
This charge was not made or initiated by me in any way. 
On XX/XX/2018 I called my bank BB & T to immediately let them know this charge was unauthorized it wasnt me. I was told to wait until the charge stop pending and fully clears. 
Now I did not have {$410.00} in my account my account was overdrawn {$240.00} extra dollars. Which left my account in a negative {$160.00} due to me enrolling in overdraft protection. 
Now in that process waiting for the transactions to clear so I can file a unauthorized dispute XX/XX/XXXX BB & T charged me XXXX in over draft fee which overdrawn the account XXXX XX/XX/XXXX I filed a dispute with my bank for a unauthorized charge to my card of {$410.00} via online system XX/XX/XXXX I was charged another {$36.00} in over draft fees XX/XX/XXXX I was charged yet again another {$36.00} dollars in over draft fees On XX/XX/XXXX I called the bank to see what was going on with my dispute and why I havent recieved any credit to my account or my over draft fees return. 
I was told by the bank representative that the dispute was denied. I responded how I did not make the purchase I did not initiate it it was unauthorized. I then got a answer of them telling me its nothing they can do. And it will be a client lost I then contacted CEO branch of BB & T and they are further investigating Keep in mind my account is still over drawn at XXXX at this time I still have yet to have my problem solve or credit or refund on theover drafts fees I have absolutely no money to my name and a Want this resolved I shouldnt have to add money to my account to use it. 
XXXX XXXX cash stole my debit card information and initiated a {$410.00} transaction with no consent
Product: Checking or savings account

OnXX/XX/XXXX I received an email alert from Wells Fargo that my checking account balance had fallen below XXXX  and was now XXXX, previous balance had been XXXX. This represented a XXXX dollar transaction! I immediately went online and found that a withdrawal of XXXX was posted to my account as a " XXXX XXXX XXXX ''. I do not have any bad debts with Wells Fargo and there is no indication as to where this money went - or to whom.

I immediately called Wells to report the transaction as fraudulent and was told to call back later. I called again and was told Wells would investigate and follow up with me in a couple of days.

I did not authorize this transaction and have no way to tell where this money went. Given the past well-documented problems Wells has had in the recent past with this sort of problem, I am not confidant I will ever see this money again. 

Please contact Wells Fargo Fraud division and help me get satisfaction.
Product: Student loan

i been paying loan for about 10 years hasnt went down payments to high and intrestrate to high.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Im reaching out to address a pressing issue regarding the reported late payments on my account. After reviewing my records, I can confirm that the payments were always made on time and as agreed. The late payment claims are inaccurate and do not reflect my payment history.
Product: Checking or savings account

WellsFargo has  locked me out of my online account. I can no longer access any of my accounts or funds. They have changed their story multiple times as to why this is happening. My account username exceeds all their security requirements. I have had this name for 14 years without any issue and it has never been comprised.
Product: Vehicle loan or lease

I purchased my XXXX XXXX XXXX in XX/XX/XXXX. I purchased the vehicle for {$10000.00} with Carmax Auto Finance. I put down XXXX dollars with a car payment of XXXX for 5 years. I have paid XXXX dollars on my car and after 5 years Carmax Auto Finance is still saying I owe XXXX dollars on a car that is over 12 years old. This is predatory lending practices. They have tacked on an extra XXXX in fees on a vehicle that has been given me major car problems for the last three years. I am very angry and upset and feel I have been taken advantage of. I want the extra XXXX taken off because my car has been paid in full.
Product: Checking or savings account

On XX/XX/XXXX, on the Chime platform, I linked my father 's XXXX account for a XXXX $ withdrawal. 
On XX/XX/XXXX, Chime put my account on hold for suspicious found on a transferred amount " we identified some unusual activity regarding the amount and / or origin of certain funds which has been posted to your account ''. 
On XX/XX/XXXX Chime requested further documentation which i provided the same day which included my ID and confirming that I did not have a utility bill under my name because i am currently living at my parents '. 
On XX/XX/XXXX no answer received from Chime and same email was sent to their attention. 
On XX/XX/XXXX Chime closed my account not taking into account my attempt to find a resolution to the issue they raised. " after recent review of your account we found that it does not comply with the terms of the deposit account agreement. The account has been closed by Chime and is not eligible for a refund. '' On XX/XX/XXXX I contacted the Chime Member Service asking me to send a photo ID, a bank statement reflecting myself as an authorized user on all external bank account on from the XXXX account. 
On XX/XX/XXXX I sent the document - my photo ID/ the account XXXX on my parents names/ the XXXX statement where it appears the amount transferred. 
On XX/XX/XXXX and XXXX i followed with Chime with emails to received acknowledgment of receipt of my documents and asking for a response. 
Overall i received many automated emails but no one tried to reach me for finding a resolution to this situation. 
End of day XX/XX/XXXX no answer received and no resolution found. 
I found that many clients of Chime have been exposed to similar issues and decided to ask for your assistance for finding a solution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act LVNV FUNDING LLC Account # 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. 

LVNV FUNDING LLC at XXXX XXXX XXXX XXXX, SC XXXX has been sending me collection notices in the amount of {$660.00}. The collection has been reported as a past due balance. I have never done business with this company. This company does not have a contract with my signature.
Product: Checking or savings account

This is also with Wells Fargo I had a XXXX XXXX  XXXX k I think around {$840.00} around there in a account at Wells Fargo well recent little the account has XXXX $ in it the account was closed and disappeared now the account is back and has XXXX  $ what happen to the XXXX $ that was in there just wondering
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. Willful noncompliance regarding account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is incorrect on my credit report I have submitted prove using my License social security number and a utility bill and nothing have been updated or removed from Experian
Product: Debt collection

On XX/XX/2018 I sent a certified letter to AWA Collections requesting validation persuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. The response received was simply an invoice which  did not include any information about my obligations to this debt. 

My next step was to contact the original account holder via telephone, and I was able to confirm that this debt was in fact sent to collections incorrectly, as my insurance at the time paid it off. AWA is refusing to remove the debt from my credit report, and has failed to provide me adequate validation of their legal right to even collect it.

Attached are documents sent to AWA, all other communications have been via telephone.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am submitting this formal complaint against Experian, XXXX, and XXXX for their failure to properly address my proven identity theft claims, despite providing substantial evidence. The credit bureaus have acted in direct violation of their obligations under the Fair Credit Reporting Act ( FCRA ) by refusing to properly investigate and remove fraudulent accounts from my credit reports. I demand immediate action to resolve these issues, as outlined below. 

Background : I have been a victim of identity theft, which has been thoroughly documented through an Identity Theft Report, as well as other official documentation, including a Hospice Certification. In addition, I am providing letters from various creditors confirming that these fraudulent accounts have been deleted after their investigations. 

Despite this, Experian, XXXX, and XXXX have : Ignored my identity theft claims for an extended period, despite having clear evidence that the accounts are fraudulent. 

Blocked my access to dispute these fraudulent accounts online, further hindering my ability to resolve these serious issues. 

Continued to allow these accounts to be re-aged, re-added, or transferred to other companies, which perpetuates the damage to my credit. 

Reported the same fraudulent accounts under different creditors, as they attempt to offload or sell the accounts, causing duplicative derogatory entries.
Product: Debt collection

On XX/XX/XXXX I placed an order online with XXXX XXXX XXXX Purchasing XXXX bracelets. XXXX 's website at the time had items listed that you could pick up same day " before '' XXXX was how it was advertised. I purchased the items using affirm for a total of {$620.00} and once my order was processed I received an email that those items wouldn't be ready for pick up until the XXXX week of XXXX. Naturally i was upset as the entire reason for even making the purchase was because the website led me to believe that I would be able to get these items same day. I immediately called and cancelled the orders. XXXX bracelet got cancelled XX/XX/XXXX and my refund of XXXX was processed to AFFIRM on XX/XX/XXXX. The other XXXX bracelets were cancelled in XXXX system on XX/XX/XXXX and to date AFFIRM has not received refunds for those other XXXX bracelets and while i have never received this merchandise AFFIRM continues collection efforts while it has been XXXX weeks and no refund processed with XXXX. I have called XXXX weekly for over a month checking on the status of the refund to AFFIRM with no success and affirm and doesn't communicate directly with XXXX which is insane to me. I have sent affirm the proof of cancellations for the XXXX orders and they still refuse to credit my account. In XXXX days this is going to be reported XXXX days late on my credit which i can not have happen. This is an extreme disservice to consumers and they need a better system. I have never seen an automatic refund take XXXX weeks when the first refund was processed in XXXX days. 

Please help me I have an open case # with XXXX XXXX - XXXX
Product: Debt collection

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report that took place on XX/XX/year> of the amount of XXXX.