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

In Accordance with the Fair Credit Reporting Act XXXX Account name : XXXX XXXX XXXX. Account XXXX XXXXXXXX. Account name : XXXX XXXX XXXX. Account XXXX  XXXX. Account name : XXXX XXXX. Account XXXX XXXX, Account name : XXXX XXXX. Account XXXX  XXXX. XXXX XXXX XXXX XXXX. Account 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 beleive that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went through a payday company called XXXX XXXX XXXX which is now defunct by the Federal Trade Commission. I received my letter from said company stating I successfully completed the program. I applied for a loan and was denied because I had a payday loan company that is now showing up on my credit report as not being paid that was including in my XXXX program. I don't know what to do this loan is over XXXX XXXX XXXX I do believe. It is Cashnet USA or XXXX. I did receive a phone call from them when I finished the payday program and I explained to them about the program and gave them the information to contact them because they said they were not notified by them. I have sent gotten rid of all my documentation except the letter provided below. How or can I get them to take the debt off my credit report? If not how long can a payday company keep said debt on your record, considering I paid a company to make payments to them. 

Thank you
Product: Checking or savings account

On XX/XX/XXXX at XXXX I attempted to deposit a check written to my wife at the Wells Fargo branch in XXXX XXXX. The check was countersigned to me. I was told my wife had to be present with an ID to deposit the check. I have deposited checks written to my wife many times before in the past. I asked for the written policy and was told it was an internal policy. The banker, XXXX XXXX and the manager XXXX, XXXX were awful. I dont know if this was ageism, sexism, racism, or they just didnt like the look of me but I have completed this exact transaction in the past at this branch and others. Wells Fargo can do better.
Product: Payday loan, title loan, personal loan, or advance loan

Well it was back in XXXX of 2024 that I went to TitleMax to get a loan for {$3500.00} and many times I have walked in there with more than half and they wouldn't accept the payment there's also been many times that on their behalf I couldn't make payments because of their system being down or other reasons and I was penalized for it. I'm currently going through a lot of health issues from XXXX  with XXXX XXXX  XXXX XXXX and much more which I provided a documents and called customer service was transferred from one department to another asking if they can help me or somehow be patients being that I can not work cuz of my health issues. They're continuously refinancing my loan I've paid a total of almost {$9000.00} I feel as I'm never going to pay off my car it's literally cost me to have XXXX  problems I'm seeing us a XXXX  I'm on all kind of XXXX. Then on XX/XX/XXXX I had a doctor appointment to go to walk outside and my car was gone they repoed my car so on XX/XX/XXXX I went in there and paid almost {$2000.00} to get my car back then they tell me that I have to make an appointment to do so and their clothes on the weekends causing me miss more doctor appointments and then they also again refinance my car I need help. They have refinanced my loan four different times each of them coming out to a total of {$7.00}, XXXX each
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX  ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date.

( XXXX XXXX  ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureau on XX/XX/XXXX, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX Balance : {$180.00} ; XXXX XXXX XXXX  Opened : XXXX XXXX, XXXX Balance : {$93.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I accordance with the Fair Credit Reporting act XXXX the following Account numbers have violated my rights : XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX XXXX - Account # XXXX U.S. Department of Education - Account # XXXX DEPT OF ED / XXXX - Account # XXXX XXXX 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.
Product: Checking or savings account

my identity was hacked around XX/XX/2023 ( including my phone at the time ( XXXX ) XXXX, my XXXX, and ALL my Chase bank accounts ( personal and business ). The hacker was able to make a fake ID, fake debit card, and had the use of my old number ( XXXX ) XXXX which they stole from XXXX XXXX XXXX ( I had to get a new number from XXXX XXXX XXXX from that point ). I complained and spoke with MANY different reps at Chase bank and spent over 15-20 hours on the phone and going to the local branch to resolve the issue but they did not help at all. I sat down with the local branch manager, district manager ( two of them ), and they all apologized and said they would speak with their superiors but they have done nothing. They still claim they are investigating but they have not cooperated with XXXX -- XXXX has an open investigation on this since over $ XXXX was stolen from my accounts. The hacker walked into several branches and withdrew money with the fake ID and debit card but according to one of the employees, he didn't look anything like the picture on the fake ID and his signature was completely different than mine or the fake ID. Also, there tens of thousands sent via XXXX by the hacker to his friends/family for which Chase has not refunded either. The hacker is still on the loose and applying for more credit cards under my name. In fact, Chase allowed the hacker to apply for and granted a credit card to him even when I already have a personal and business card through Chase. They never once notified me of any of these fraudulent transactions -- I found out of my identity theft via XXXX XXXX XXXX after my phone stopped working.
Product: Credit reporting or other personal consumer reports

I have fraudulent hard inquires on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX and Equifax continue to deny any wrong found in credit reporting. I have filed multiple disputes that the information being furnished by the credit bureaus is incomplete and inaccurate. Completely violating my consumer rights under 15 USC 1681eb and 15 USC 1681s-2b. FIX THIS NOW OR GET SUED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke to this mortgage company about a potential loan. I was told they would take my info and send me an email requesting authorizing/more information. Instead they ran my credit without my consent. I called back 2 days later and complained and was dismissed by their mortgage person XXXX XXXX. Later that week, I received a call from their loan manager who told me they messed up and did not get authorization, he said the call was recorded and he listened to it. He guaranteed he would take my hard inquiry off my credit. 

It is still not removed a month later. 


Credit inquiry agency info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Record details On record until XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX  on behalf of XXXX XXXX XXXX XXXX. This inquiry is scheduled to continue on record until XXXX XXXX
Product: Credit reporting or other personal consumer reports

Our XXXX XXXX XXXX XXXX Credit Card for our company XXXX XXXX XXXX is being reported on my personal credit instead of our business credit report. 

In XXXX we fired our management company that managed our real estate and they stole our checks. The ex management company proceeded to commit bank fraud daily and make our business account go negative daily. XXXX XXXX XXXX would replenish the funds, but we were in a constant flux of negative days for over a month. This ex management company continued to steal funds or attempt to steal funds daily for over a month. 

Once we froze all the accounts for this to stop I noticed our XXXX XXXX XXXX account automatic payment of {$200.00} was not paid and I promptly paid. Due to the fraud and chaos of this active assault on my company our automatic payment bounced and was late. This happened due to the bank fraud of our prior management company. We have never been late and have all of our accounts on automatic payment to make sure we are on time. 

I have asked the company to please properly report this on our business credit and to have mercy, due to the situation and to please not report us as late due to the bank fraud on our account. The first credit dispute was unsuccessful and we have reopened a second dispute. 

This account should be reported on our business profile and not on my personal credit. I also wish for them to remove the late payment to the extenuating circumstances.
Product: Credit reporting or other personal consumer reports

I'm a victim of XXXX XXXX i reported this information numerous of times but they still choose to report this inaccurate information.
Product: Checking or savings account

Wells fargo has engaged in my account multiple transactional manipulation and excess fee .charges. On  XXXX   XXXX  I checked my account and saw that if was negative  XXXX . I promptly made  XXXX  deposits on  XXXX   XXXX  to cover this.  XXXX  being a cash deposit of {$50.00} and the other for {$15.00}. At that time my account was drafted again via  XXXX . I was assessed with over draft fees even though my account was not negative from the cash deposit. They manipulated transactions and charged over draft fees to put me in the negative in an effort to charge more on top of those.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I am no longer disputing AD ASTRA RECOVERY SERVICE.
Product: Credit reporting or other personal consumer reports

I use Equifax XXXX XXXX XXXX XXXX. Since XXXX XXXX I am unable to unlock/unfreeze my security. A case was filed and no resolution for 2 days. 

I am stuck. 

Case # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Some is attempting to open accounts in my name
Product: Credit card or prepaid card

Financial Institution ( Navy Federal ) has conducted a XXXX Dispute with all transaction associated with XXXX Card ending in XXXX and Cash Rewards ending in XXXX, without notification to customer. Merchants affected by XXXX Dispute has started to reach out to customer, XXXX XXXX demanding payment because transaction has been disputed and funding pulled. Navy Federal is still reporting balances to credit bureau and requires customer to pay off balances from transaction that they have pulled back funding from. 
Customer is currently trying to work with merchants to pay amount owed due to disputed transactions. Please have Navy Federal Credit stop collection efforts, monthly balance statements and credit reporting on balances that no longer exist. 
Also, XXXX Report is being requested to acknowledged all transactions that has been disputed by Navy Federal.
Product: Credit reporting or other personal consumer reports

I have no bankruptcy on file but every time a company denies me it is because of bankruptcy. My credit report shows " Hurting your credit score There is a bankruptcy on your credit report '' In another part of my report it shows " Bankruptcies are a legal status granted by a federal court that indicates you are unable to pay off outstanding debt. Bankruptcies stay on your credit report for up to 10 years, depending on the chapter of bankruptcy you file for. They generally have a negative impact on your credit score.

You currently have no bankruptcies on your credit file.

If you recently had a bankruptcy, it could take a couple months to populate to your credit report. ''
Product: Credit reporting or other personal consumer reports

I am writing to you regarding an issue of utmost importance that has recently come to my attention. It has been brought to my notice that there is a debt in the amount of {$670.00} associated with my name, which I believe stems from a case of identity theft involving a stolen credit card. 

I want to clarify that during the period from XXXX to XXXX, I was unfortunately XXXX, and during this time, I had no means of making any transactions, including those related to the aforementioned credit card account. Upon my release from XXXX I was shocked to discover the existence of this debt, as I had neither authorized nor acknowledged any transactions related to it. 

I have taken several steps to address this issue. Firstly, I filed a report with the XXXX XXXX Police Department, detailing the fraudulent activity surrounding the stolen credit card. Additionally, I submitted a report to the Federal Trade Commission outlining the identity theft that occurred. Furthermore, I have provided documentation proving the duration of my imprisonment, demonstrating that I was unable to engage in any financial transactions during that time. 
Given the circumstances outlined above, I kindly request that the associated debt be dissolved. This unjust debt are severely hindering my ability to achieve financial stability and provide for my family. Resolving this matter is crucial for me to move forward with my life and overcome the challenges I have faced. 
I appreciate your attention to this matter and kindly request a prompt resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to correct this issue over the past few years. I last spoke with XXXX and Transunion on XX/XX/2023 regarding a charge off account with XXXX XXXX in the amount of {$1200.00}. I I have also reached out to XXXX XXXX and they inform me to contact XXXX and TransUnion regarding this issue. There has not been any resolve and this account is not accurately being verified as well as being reported incorrectly. Also, my personal information was not correct when I called to discuss this account. The credit bureaus corrected my person information, but did not remove this account.
Product: Money transfer, virtual currency, or money service

XX/XX/23 I deposited {$990.00} into my Robinhood account. The account was then restricted and access to my funds were denied. I provided all documentation confirming that I am the owner of the account that the {$990.00} came from. Their policy states you will be updated on the status of the account with 10 days. It has been more than that and I have not gotten a reply.
Product: Checking or savings account

On XXXX monday, XXXX, 2020, i recieved a post cars from XXXX XXXX XXXX, stating No worries in renueing your membership with us we will just use the card we have on file to renew membership. I immediately tried callingthe locl XXXX XXXX to notify them that I did not sign any form giving them permossion to automatically deduct funds from my card. after not recieving an answer I went on looking for the corporate office number which was of no assistance. 
I spoke with a representative from Chase and was told to go on my Chase Mobile app  and file a compliant. I was unable to find the account services app on my mobile phone. 

I am XXXX years old and do not have overdraft protection because I chose not to. Chase overdrew my account to pay XXXX XXXX XXXX membership which i did not want. 
I've had two previous incidents with Chase regarding paying for services not authorized by me ; monies were refunded to my account once. 
On XX/XX/XXXX, I filed a compliant via email advising XXXX XXXX XXXX that I did not wish to renew my membership with them. I received a response saying the issue was being looked into and I would receive a response within 24 hours>
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/2022, i purchased a set of furniture for my new roommate and I from a furniture store for {$3400.00} cash price. We were convinced to pay later in full within 90 days to " Koalafi '' with no interest charge at the purchase price of {$3400.00}. 

Subsequently, {$210.00} were automatically withdrawn from my XXXX account once every other week. I was under the impression that the whole credit of {$3400.00} would be satisfied after XXXX equal payments of {$210.00}. 

However, I was shocked to learned that Koalafi added amount of {$7600.00} to the total pay-off amount ( not including the amount they already withdrawn from my bank ). 

When contacted, the furniture store then presented me with this agreement containing fine prints including a " lease agreement '' ( i've never agreed to a lease ) with Koalafi of which i did not know was buried in the fine print. The furniture store, at the time of purchase, did not present the entire agreement to me at signing. It was buried in what the furniture store convinced me was a purchase agreement, not a lease agreement with insane fees of multiple costs of the actual furniture.
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXX CREDIT ( ACCT XXXX ) ACCOUNT THAT BELONGED TO MY FORMER XXXX WHICH I WAS A AUTHORIZED USER IS LISTED ON MY CREDIT FILE.I DISPUTED WITH ALL THREE CREDIT BUREAUS.XXXX AND XXXX  DELETED THE ABOVE MENTIONED ACCOUNT, EQUIFAX REFUSED STATING THE ACCOUNT BELONGED TO ME.THIS CLEARLY IS NOT THE CASE.
Product: Debt collection

XXXX, XXXX a private student loan company that i had a student loan through formerly called XXXX now goes by the name XXXX reunion student loan finance company put my account in default status a couple years ago. WHich should not have gone into default when i was making the payments. CFPB got the collection fee off of my account for me. 
The school i orginally took out the loan for is called XXXX XXXX which has gone bankrupt and no longer exists. After the default status which they should not have been able to legally do at that time. i then stopped making payments on account and the XXXX has turned the past due debt over to there attorney saying that if payment arrangements are not made there will be legal action taken against me with a potential law suit. 
They are claiming an amount past due of approximately {$5100.00} There attorney i received a letter from is XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

The first thing I noticed was that the bank turned on my overdraft protection without my consent or knowledge. The 2nd they did was turn my virtual LOCKS via XXXX  ON while my app was removed from my device and while I did not access the app, so that they fraudulently could access my card number and swipe it without my knowledge or consent. I had XXXX in the account after a refund of XXXX $ from XXXX XXXX. The bank then continued to swipe my card until there was XXXX XXXX left in the account. Me and a coworker watched as they continued to swipe the account into XXXX overdraft while the app was removed and XXXX was turned on to prevent theft. They did not protect my account and breached the contract when they breached my app and stole funds from my debit card. I want my XXXX returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

I initiated disputes, on different occasions, in writing and online in order to have an item corrected on my credit file. I provided the credit reporting agency ( XXXX  ) with the necessary documents needed to dispute. 

The creditor is XXXX Account # XXXX. The credit reporting agency ( XXXX  ) has refused to properly investigate my dispute. Instead, they have notified me that the dispute has been updated with no corrected data or addition of previous incomplete information. 

The information XXXX  has provided in relation to this account is not complete or accurate. I have a right to have this information updated accurately and completely, or permanently removed. This remedy is afforded to me in the Fair Credit Reporting Act ( Sect 611 ) XXXX  has failed to properly investigate/reinvestigate my dispute as follows : 1. Failure to provide me with the information used to determine the result of their investigation. They have not provided any proof. ( FCRA, Section 609 ) 2. Failure to properly investigate my credit file dispute ( FCRA, Section 611 ) 3. Maintaining inaccurate and incomplete information onto my credit file after investigation ( FCRA, Section 611 ) 4. Failure to consider all relevant information regarding my dispute ( FCRA, Section 611 5. Ignoring the treatment of inaccurate and unverifiable information ( FCRA, Section 611 )