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

I have paid off 3 vehicle loans ; and credit reporting discrepancies have been corrected but my Credit Score has not improved. When my XXXX XXXX XXXX XXXX XXXX erroneously reported a 30 day delinquency ; my credit score decreased by 35 points. After disputing and getting it updated and corrected my score has not recovered the 35 point decrease, nor has it received an 35 point increase for the account being a year with on time payments and after 12 on time payments being paid off. The credit score explanation says I have serious delinquencies, when I have no delinquencies were inaccurate and have been corrected but this comment remains on my credit score and credit report.

My XXXX XXXX XXXX Vehicle Loan was paid off on XX/XX/XXXXand there was no increase in my Credit Score.

Additionally, my XXXX XXXX XXXX XXXX Account was paid off and inaccurately flagged and reported as a delinquency. Immediately my credit score decreased. XX/XX/XXXX, it was corrected, that the loan never had late payments. After disputing the information ; and the discrepancies ; the credit score explanation still shows serious delinquency and recent missed payment.

Finally, I paid off the XXXX XXXX XXXX XXXX. There has been no reflection in my Credit Score.

When viewing the Experian Whats Harming Your Score? It states Serious Deliquency and Missed Payments. Every delinquency has been inaccurate ; the creditors update the credit report, but my Credit Score, FICO Score and comments have not been updated.

Based on my accurace payment history, I should be in the Good Range 670-739. The inaccurate reporting has caused subprime rates ; higher interest rates ; higher payments and it based on erroneous information that has since been corrected but my score does not the corrections.

I have included the documents/responses from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Date Opened : XX/XX/18 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Credit Bureaus have failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information. 

XXXX OF XXXX XXXX XXXX OF XXXX XXXX XXXX OF XXXX XXXX XXXX CARD XXXX
Product: Checking or savings account

Dear USAA, As a 50 year member I have to express my complete and utter disappointment in how your banking back office has mishandled a simple request for a POD on my accounts and my mother 's accounts ( I am the POA ) since my father died in XX/XX/XXXX. After my father died my mother updated her trust and I and my husband created our own. I started the process of completing the forms for my mothers accounts in XXXX of XXXX and Mine in XXXX of XXXX. Interestingly enough, I helped my husband ( military USAA ) member complete his forms and his POD was completed with post haste. The POD 's are still not completed on either one of my mother 's or my accounts. I have called approximately 25 times to have this process completed. I have uploaded forms through the online portal, via email requests for documents and I have been given multiple explanations as to why this is not complete. I think it is important to note that the calls take approximately one hour at a minimum ( which now delights me in knowing that other people are being treated poorly waiting ). Yesterday XXXX took about 75 minutes. Two weeks ago on XXXX the call was probably 90 minutes and the call on XXXX was over two hours. I have been escalated to member relations and supervisors. All of which takes an exorbitant amount of time for them to realize how many calls, documents, uploads, notes, and requests are in the system for a simple POD of a Trust to my mother 's accounts and a different POD of a trust to my accounts. I have a copy of EVERY SINGLE document that I have sent or resent, or changed or updated or whatever was asked of me to complete a simple POD. All of these documents are dated as to when they were saved and subsequently sent to USAA. Here are the dates in which I called on one or both of the POD 's and sent in 'the correct documents ' XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( after speaking directly with the back office person ) XX/XX/XXXX ( after speaking with a different back office person ), XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. These are only the CALLS with a document upload. In addition, some of the forms that were sent to me to finish completing and sign had INCORRECT information pre populated from the USAA back office! I am XXXX XXXX with USAA 's incompetence.
Product: Checking or savings account

I have been a customer of TIAA XXXX  for several years. Every time I make a deposit they hold on to my money for a full week before releasing the funds for me to use. This has happened numerous times. My e-mail messages to TIAA XXXX  employees including to their Risk Analyst XXXX XXXX and to their CEO XXXX XXXX have been ignored. They have promised many times to look into this and call me back but have never kept that promise. They are now holding on to {$820.00} of my money since XX/XX/XXXX due to a charge request from XXXX and are ref suing to release it until XX/XX/XXXX even though XXXX has released their charge request because I had canceled my order. This is not only infuriating and irregular but possibly illegal.
Product: Payday loan

I requested and received a {$400.00} payday loan from XXXX on XX/XX/XXXX. I lost my job on XX/XX/XXXX however I continued to make my payments of {$71.00}, twice per month as agreed because I could not do more to pay off the loan. I did notify them and they would not work with me to reduce interest or to stop interest charges. Although they did not argue that I could not make a payment XX/XX/XXXX, they are now charging me approximately {$130.00} per month with just a few dollars going toward the principal balance. I am still unemployed and not from a lack of diligently seeking employment. I have to borrow money to pay this loan! I have asked XXXX to work with me but they will not. To date, I have paid XXXX approximately {$630.00} and they told me that they would be charging me {$130.00} for another 8 months or so!
Product: Student loan

My request for the recertification of my repayment plan was denied based on wrong information - MOHELA send a denial letter claiming that I had a parent plus loan and was not eligible for an income-based repayment plan. 

However, I do not have a parent plus loan and have been on the PAYE plan XXXX XXXX. The one student/graduate plus loan that I do have, I confirmed remains eligible for an income-based repayment plan. The letter and the MOHELA website contained no dispute information or how to challenge them on this specific type of error. 

I had to call in and wait for over an hour to speak to a representative, who was very kind but could not provide me any resources on how to dispute this other than her working for a half hour to manually withdraw the decision and send it back through the system, since she also confirmed that the decision made no sense and was a mistake. 

If left alone, this would have meant that I was kicked off my repayment plan, and would also no longer be eligible for PSLF, as I have XXXX years left of repayment. Compared to my experiences in the past where the Department of EducationXXXX XXXX XXXX XXXX and approved the recertification of repayment plans which went very smoothly, MOHELA having control over this process is a disaster much like the rest of their take over has been.
Product: Credit reporting

I contacted trans union about being a victim of their inquiry issue I contacted them about the issue it was n't resolved. I did not receive a 5 day reinsert letter or anything I want these inquiries removed off of my report. 
XXXX-XX/XX/2015, XXXX/XXXX/2015, XXXX/XXXX/15 XXXX XXXX XXXX/XXXX/2015 , XXXX XXXX XXXX/XXXX/2015 XXXX XXXX XXXX/XXXX/15, XXXX XXXX XXXX/XXXX/15
Product: Credit reporting or other personal consumer reports

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

ACCORDING TO 15 USC 1681N ( A ) ( 1 ) ANY ACTUAL DAMAGES SUSTAINED BY THE CONSUMER AS A RESULT OF THE FAILURE OR DAMAGES OF NOT LESS THAN {$100.00} AND NOT MORE THAN {$1000.00} ; I WANT ONE THOUSAND PER VIOLATION OR REMOVE ACCOUNT!
Product: Checking or savings account

Chime closed my bank account without any prior notice, and when I reached out to them for an explanation, they were unwilling to disclose the reason for the closure. This lack of transparency has been incredibly frustrating, as I relied on that account for my daily transactions and financial management. Despite multiple attempts to get a clear answer, Chime 's customer service has remained unresponsive and vague, leaving me in a difficult position to manage my finances. The abrupt closure and lack of communication have caused significant inconvenience and stress, and I am now considering alternative banking options that offer better customer support and transparency.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPD lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of 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 infeasible. The CFPDs findings indicate that Zelle had not only neglected to protect consumers but had also admitted repeat offenders to exploit the system, leaving users vulnerable to scam. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I reveiwed my credit report recently and there is a fraud account from XXXX XXXX account number XXXX which I did not authorize nor do a have a contract with this company or XXXX. 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. Being that this is not my account then it could not be accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017, I was made aware that there had been a major security breach involving Equifax in which millions of consumers ' personal information were stolen. Equifax 's management 's involvement in the breach and Equifax 's subsequent actions following the breach have been atrocious. Security management practices at Equifax, a company responsible for the handling of all American consumers ' most vital personal financial information without the consent of those same consumers, were insufficient to guard against a major breach. Following the breach, Equifax 's executives chose to withhold this information from affected consumers for months, in spite of our rights to be informed of the mishandling of our personal information and lessening our abilities ' to immediately counter illegal activity. Equifax 's executives ' decision to withhold the information of the breach may also be attributed to their decisions to sell large amounts of their Equifax stock to personally profit knowing that Equifax 's stock would plummet once consumers and investors were made aware of the breach. Equifax has also chosen to continue to charge for credit freezes, which, despite individual states ' legislation deciding the rates credit agencies may charge to freeze credit, is at the discretion of credit agencies such as Equifax. Equifax 's ONLY response to the breach has been to make consumers quasi-aware if their information has been compromised with various vague messages and an offer to enroll in a free identify theft protection program ( also managed by them ) for one year, despite the consequences of the breach extending for a lifetime. Overall, I, and the millions of consumers affected by Equifax 's mismanagement of our most vital financial information, are incredibly dissatisfied with Equifax 's actions related to the breach.
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

15 U.S.C. 1681c. ( A ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 reporting or other personal consumer reports

I am writing to express my deep concern and dissatisfaction regarding the numerous unsuccessful attempts to remove fraudulent items from my account with Credit Bureaus. Despite multiple communications and efforts on my part, these unauthorized transactions remain unresolved, and the lack of progress is unacceptable. 

Discovered unauthorized transactions on my account statement. 

Immediately reported the fraudulent items to your customer service department and was assured that the matter would be investigated. 
Followed up to inquire about the progress and was informed that the issue was being escalated for resolution. 

Received notification of an investigation but no tangible progress in removing the fraudulent items. 

Made additional calls and submitted supporting documentation, but the unauthorized transactions persist. 

This prolonged and unresolved situation has caused significant distress, and I am deeply disappointed by the lack of action taken to rectify this matter promptly. 

I kindly request the following actions : A thorough and expedited investigation into the fraudulent transactions on my account.

Transparent communication regarding the steps being taken to identify and remove the unauthorized items.

Immediate removal of the fraudulent items from my account and a confirmation of their removal.

Assurance that my account will be fully restored to its pre-fraud state, and any associated fees will be reimbursed.

Compensation for the inconvenience, stress, and time spent in resolving this matter.

I insist on a resolution within the exact timeframe from the date of this letter. Failure to address this matter promptly will compel me to escalate my complaint through appropriate regulatory channels. I am asking for your assistance to remove the fraud items in my credit file : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Company removed one of the 30 day late payments but not the one that was disputed. The 30 day late payment in XX/XX/XXXX was paid and all evidence shows it was paid but is still incorrectly on my report as a 30 day late. The company removed the late payment from XXXX but not the one from XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is 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 or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. 
XXXX, NJ XXXX I just recently looked at my credit report XX/XX/XXXX, XXXX saw some hard inquiries that did not have permissible purpose. I list the accounts below. 

. This inquiries has no permissible purpose to be on my credit report. Delete this inquiry, due to violation of 15 USC 168 1b 1. XXXX Bank & XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX & XX/XX/XXXX. 
XXXX XXXX & XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX & XX/XX/XXXX XXXX. XXXX XXXX & XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2023
Product: Credit card or prepaid card

I applied for, and received, a Chase Sapphire Card ( the Card ) from J.P. Morgan Chase ( JPMC ), paid the {$95.00} annual fee, but never received any of the many benefits that JPMC promoted as essential features of the Card.

This is a breach of contract which, of course, does not fall within your jurisdiction, but it is a UDAAP. JPMC billed me {$95.00} in exchange for a raft of benefits and services that they did not provide and I did not receive. It is a fraud. 

In XX/XX/2019, I applied for the Card. In so doing, I agreed to pay the {$95.00} annual fee associated with the Card, but solely because of the manifold benefits that accompanied the Card and widely advertised by JPMC. This quid pro quo of a bounty of benefits was the sine qua non of my willingness to pay the {$95.00} annual fee. Absent these highly touted, and expensive benefits, I would not have been induced to apply for the Card.

In order to enjoy these many, many benefits, one needed to establish online access to the JPMC Card platform. Without this access, there was no way to avail and redeem the manifold benefits. As you can see from the several pieces of correspondence, which reflect my utter frustration, and despair, with JPMC, despite arduous, lengthy and repeated efforts on my part, JPMC failed to honor its part of the bargain to provide me the benefits of the Card. We all have any number of war stories as consumers confronting the inefficiencies of Corporate America, but in my own personal annals of interactions with corporate behemoths, this level of ineptitude and shoddy treatment ranks very high ) or low? ). No less than a dozen JPMC employees were unable, perhaps incapable, of solving a simple issue for a basic credit card customer. To be sure, I am not blaming any individual employee - - these employees may lack adequate training, are probably distracted by multi-tasking, and no doubt were stymied by inscrutable internal policies. But, the fact remains that this episode would be comical, if it were not both alarming and tragic. And, it is a UDAAP, in my view. JPMC effectively stole my {$95.00} - - I received none of the benefits and advantages that came in exchange for the fee. 

After approaching the half-year anniversary of this tawdry saga, without having received a single promised benefit, I concluded to terminate my contractual relationship with JPMC and assert my right to recoup the {$95.00} annual fee that JPMC had not earned. 

As you can see from the JPMC correspondence, they sent form letters blaming my telecom company which was demonstrably false. They had uninformed personnel call me, leave messages and then fail to timely return my calls. They offered solutions that did not work. Perhaps not a UDAAP in itself, but very poor customer service. 

Thank you.
Product: Debt collection

i am writing this due to non-compliance with the ( XXXX, XXXX, XXXX  ). they have failed to remove information that was affiliated with personal details that were challenged in the past. i strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law