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

For months, I have tried using the ChexSystem website to get an online account, view credit reports, and use the ID monitoring tools. Chexsystem continues to unduly deny me access stating it can not generate a security quiz for me and to contact chex for alternative methods. 
Calling chex just gives me the party line that they use a 3rd party, AKA XXXX, and gives m their phone number. XXXX has a full report on me, i am not opted out, i do not have a freeze. XXXX  sucessfuly pulls reports on me for other entities that need to do ID verification, just not Chex. I called chex again, asked for an alternative method per the website.. denied. Asked for their legal address so i can a formal complaint, and if needed, a civil summons for violation of FCRA rights, they will only provide a XXXX XXXX XXXX Process server requires a physical address. 

Chexsystem is hiding behind the use of a 3rd party as a reason why they unlawfuly discriminate on customers and refuse to provide them credit report access. However Chexsystem is wholly responsible for it's partner relationships, and to ensure consumers have access to their data, and that the data they contain is valid and error free. Using a 3rd party does not in anyway under federal law excuse them from their responsibility of ensuring data access.

Review of complaints shows this is a frequent pattern for Chex.
Product: Debt collection

Debt collection agency making harassment against me with a letter that I never hand signed
Product: Credit card

On XX/XX/2023, I applied for an American Express card through my XXXX XXXX account ( Diamond status -- the highest rewards tier ). I only applied because the credit card was offered through the XXXX portal while I was accessing my XXXX account. I have other access to credit, did not need the card, but was willing to go through a quick and easy application process. However, apparently American Express wanted more information from me -- most specifically related to my address, although everything I have, including credit, flows through that same address. I discovered this when American Express called me at XXXX at XXXX XXXX. XXXX XXXX on XX/XX/2023, a call I missed. However, when googling the number I discovered what the phone number was attached to -- American Express -- and also many threads related to people complaining about American Express 's incessant calls related to previous credit applications. I called the number, told American Express to terminate my application, and that I was not to be contacted again. I was assured that American Express would terminate my application and would not contact me again per my request. A recording of this phone call apparently exists with American Express. Within minutes I received email confirmation from American Express at XXXX, the same email address used for this complaint, confirming that my application had been terminated per my request. Still, at XXXX XXXX. XXXX XXXX I received yet another call from an American Express telemarketer -- in both instances the calls appeared to be originating from another country, although the incoming phone number was a XXXX number -- trying to further engage me in the application process. I informed the caller I would be filing this complaint and terminated the call.
Product: Credit reporting or other personal consumer reports

I disputed information on my credit report because I have not received anything from the debt collection company or that my loan was sold. I was approved for XXXX benefits and they still reported my account as delinquent and put it in collections. XXXX has removed the account from my report but XXXX and XXXX has not
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit scores have been affected by the derogatory information on my credit file by several creditors. I have never given the creditor permission to report any information to my credit report, the information reported is not updated correctly, and according to the Fair Credit Reporting Acts Section 609 ( a ) ( 1 ) ( a ) I've asked for my original creditors agreement showing my original signature. XXXX has complied but Trans Union and XXXX has not followed the laws.
Product: Debt collection

I initially contacted Rash Curtis & Associates in XXXX requesting a validation of the account they are collecting on. They sent an account statement that was NOT from the alleged original creditor but on their letterhead and it included interest. I then contacted them again in XXXX by certified mail asking for proof that I agreed to pay any additional fees and interest. Til this day they have not responded but continue to add interest to the account. 
I have been educating myself and found out that it is against federal and state laws for collection companies to add interest unless it is agreed upon by myself. As you will see at the time of their XXXX response the interest they added increased from {$240.00} to {$410.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2015, I had secured buyer for my home in XXXX XXXX, AR. When the bank refused to accept the buyer and their {$10000.00} down payment, I planned to continue to make payments until the home sold. I had never missed any payments on ANY loans I had ever had with this bank both while married and after divorce. Valued at {$250000.00} I was selling for {$170000.00}. The bank representative that I was dealing with ( male ) informed me that the bank would happily take over my loan. I asked if it would hurt my credit report and how it would be reported. The XXXX representative told me that it would just show that the bank had bought my house. I agreed as I believed what the representative told me. 2 months later when I attempted to secure a loan to purchase property in Oklahoma, I was informed that my credit rating had dropped drastically due to the negative reporting of a default real estate loan. I contacted XXXX  and the rep would not speak to me about what he had promised. He bold faced lied to me. I have since found out, that they sold my house for considerably more that what was the loan against it. I have reported this twice in the past and will continue to report until this is removed from my credit report.
Product: Checking or savings account

I have been hacked somehow in my bank account XXXX  times in the last XXXX months I have had my phone scanned by professionals to make sure nothing had been loaded into my phone and nothing had been I believe my back BMO Harris of XXXX has been hacked. I am XXXX XXXX XXXX and this has happened so many times in the past XXXX months ( since XXXX ) it has added up to over XXXX XXXX dollars has been taken and I am going to be changing banks. The bank has stopped the transactions and returned them to me just for them to do it again the next day. I have changed my email passwords and now I need help. I had a new account made with my bank and havent even used it yet and I woke up to my account over XXXX XXXX dollars negative in my account. I have done everything I am able to do. Every time I find my account has been hit it has been added to an apple pay wallet and it is in multiple cities so I can't pin point it to an exact state where this is coming from.
Product: Credit reporting or other personal consumer reports

Please block and remove the following accounts Due to XXXX data breach. 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm not responsible for this account. I have never sign any documents with this company. I believe, that somebody stole my personal information and applied for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Equifax credit report displays incorrect accounts displaying on my credit report which needs to be removed are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.. I need these incorrect information removed from my Equifax credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX     2017,  My mortgage company I am working with, sent over a rescore of my credit after paying off all my credit cards.      XXXX   XXXX ,    2017, m y report came back that my current, credit cards were updated with a  XXXX  balance but at this point when  XXXX   XXXX  updated my account to a  XXXX  balance ( I was not behind before this ) they put on my credit report that I was   XXXX    day delinquent. Which stopped my mortgage process and I lost my chances at the house I was about to put a contract one.     I contacted back my mortgage company and she stated that I had to contact the CC company directly to ask them to up date the process. I went through an   XXXX   XXXX   XXXX   so I was n't able to call right away.       XX/XX/XXXX   contacted  XXXX   XXXX  to open an investigation for incorrectly posting to my credit report that I was  XXXX  days behind. The cust service woman who spoke with me told me that it would tak e 10 b usiness days for the investigation to be completed.       XX/XX/XXXX   I called  XXXX   XXXX  back as I had not received a letter or call back. The woman who answered the phone stated it would take  60+ d ays for the investigation and that I would just need to wait. I was transferred to a Sup,  XXXX , and he stated that he would check on my dispute. However, nothing has been done with the dispute. He stated that he would be escalated it higher. However this will still not be completed in time as he stated it would s  till be 60-90 days before my credit report.
In the mean time my application for my first h  ome will have been declined due to  XXXX   XXXX  negligence. I am a single mother and need a safe clean place to live. I need this resolved immediately.
Product: Checking or savings account

The bank called me and alerted me that I has some questionable transactions on my account. After going through the transactions over the phone with them, I noticed that there were other charges on my account that were not approved either. 

I submitted the claim and the entire claim was denied, because they didn't see any evidence of fraud on my account and they advised me to call each merchant to see if they can process me a refund. 

After calling the first company XXXX they looked up the information and someone under the name XXXX XXXX used my account number which I have no idea who that is. 

My frustration comes from the bank not doing their jobs properly, I made one phone call so far and got this information, the other difficult part is that I have no information to tell the merchants other than my debit card number and some of their systems aren't allowed to enter that information.
Product: Credit reporting or other personal consumer reports

I applied for a credit card with XXXX XXXX credit card company. They ran two separate hard hit inquiries without my consent. I understand when you apply for a credit card and complete the process. The company would run 1 inquiry in which I agreed upon. This company ran two and this has effected my credit score and it dropped XXXX points. This company dragged their feet on reporting to all 3 credit reporting agencies in regards to my new account established with XXXX XXXX. I had to call and make a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove this account from credit report because that one never belong to me or any transactions made by me. 
Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 
I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent you a letter last XXXX XXXX XXXX but I haven't got any response from you and according to the FCRA you are required to response within 30 days.
Product: Debt collection

XXXX XXXX - {$120.00} I CONTACTED THIS COMPANY BACK IN XXXX OF 2020 TO HAVE THIS INACCURUARATE INFORMATION REMOVED FROM MY CREDIT FILE. NO CALL BACK OR RESPONSE BY PHONE OR MAIL FROM THIS COMPANY.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX ACCT XXXX ORIGINAL AMOUNT XXXX. ACCT BALANCE XXXX Dear Equifax Manager The XXXX XXXX XXXX  along with Equifax are falsely added to my credit report without my prior knowledge. The mentioned details are incorrect and I request you to revise the report after due diligence. 

I request you to clear my credit report as soon as possible to help me continue business. This account do not belong to me, any account that I am responsible for I am paying or have payed as its my responsibility to do so but not for something that isnt mines. Its against laws to make or force collection, debt and its not accurate or correct or belong to the actual person. 
I ask that I only have accounts that belong to me, respectfully. 

Please look into this matter and do the needful as soon as possible. 

Regards, XXXX XXXX
Product: Credit card

On XX/XX/year> I discovered that after having this account ( 0 % interest for XXXX home upgrade ) for several months, the credit provider had started charging a {$1.00} paper statement fee without notification, and they had also added late charges of {$30.00} per billing period because I was paying the minimum. I called and after getting nowhere I decided to use the chat feature. The woman on the other end of the chat ( confirmed human ) credited the fees back and confirmed that paper statements would be turned off and no more fees would be charged. I just received my next statement and as of XX/XX/XXXX and XXXX, paper statement fees were charged again, and THIS time a {$40.00} late fee was applied. I called the bank last night XXXX times, and in each instance, the phone rep simulated a signal loss by reducing the volume of their microphone to XXXX and leaving the call connected until I hung up. It was obviously their way of not getting fee credit attached to their employee ID. All three phone reps were from outside the XXXX, most likely. I then attempted the chat again, got a live human, and he actually told me to call again, as he had notated my account and the next phone rep would handle appropriately. Same result..after XXXX seconds explaining my problem to a live rep, the volume fade occurred, call remains connected with no response. Obviously the customer service process at Synchrony Bank and the compensation for the reps is tied to charging these fees successfully. XXXX not having itit will be resolved appropriately. Please assist!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX. 
Company Inquiries : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns of XXXX handling of disputes, particularly in light of the recent cfpb lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The cfpbs findings indicate that XXXX has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer saftey.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts below have violated my Federally protected consumer rights to privacy and confidentiality pursuant to 15 USC 1681. Section 602 A which states that I have a right to privacy. Also, they have violated my rights under The Financial Privacy Act of 1978, and credit denial in violation of 15 USC 1681a ( k ). This entity also violated 15 U.S. Code 1602 ( p ). Also violating 18 USC 894. 

Names Reported : XXXX XXXX XXXX, XXXX XXXX XXXX They ( credit reporting agency ) have violated my rights, and restraint of trade in violation of 15 USC 1, and 15 USC 2. Additionally, it clearly states under 15 USC 1681 section 604 A section 2 that a consumer reporting agency can not furnish an account without my written consent.

15 U.S. Code 1681c ( a ) ( 1 ) Section states ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act.

15 U.S. Code 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report contain 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. Code 1681s2 ( a ) Duty of furnishers of information to provide accurate information. 
( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. Reporting alleged late payments in violation 15 U.S. Code 1666b ( a ) and 15 U.S. Code 1681 ( 2 ) ( 1 )
Product: Credit card

After checking my credit reports, they show that I opened an account with Synchrony Bank for a " PayPal '' credit card and that payments were missed and the account was closed by the creditor in 2014. I never opened this account and do not use PayPal. I have not had any resolve in figuring out how they obtained my information and who actually had the credit card.
Product: Debt collection

I pulled My credit report and saw and account VOSS & KLEIN, I sent them a letter disputing the account requesting documentation showing that this Item belong to me. They sent me a letter show a paid invoice with a credit card that I never owned, an email I never used and a signature that do not matched.
Product: Money transfer, virtual currency, or money service

I requested a money transfer to a relative in XXXX via Moneygram in the amount of {$330.00} on XX/XX/XXXX, and these funds were to be deposited to her bank account. Money was debited from my account in the XXXX and was informed the money was to be deposited within 4-5 business days. However, this never happened. I reached out to Moneygram for an explanation, but were unable to provide one. They opened up a case for investigation and was told this would take 90 days. After the 90 days I called for an update to find out the case was closed and the resolution was sent over to me. I said such an email with the resolution was never received and was informed that I had to open up a case for this issue and wait another 90 days. I immediately asked for a refund, but they stated that was the best available option. The only option for me would be to get my money back. I can not wait another 90 days for a resolution that was never made, because they have not properly performed any investigations. This will not be the first time where Moneygram has failed to perform any investigations. They were under regulatory scrutiny a few years ago for this type of case. I am requesting that you assist me if obtaining a refund of my money that was never deposited to my relative in XXXX.
Product: Credit reporting or other personal consumer reports

I have been attempting to dispute fraud on my credit report for months, experian keeps denying it and not blocking the information. 

their last resonse to me was for me to call some lady, and that number continues to go to voicemail. This needs to be taken care of. 

by the FCRA i just need to send the FTC affidavit ( which only allows 5 companies ) a copy of my id, and a bill with my name and address on it. 

they are also refusing to remove an XXXX account that is being reported wrong, even after I have sent them a copy of the administrative judges order. 

these fraudulent accounts are XXXX XXXX XXXX XXXX XXXX XXXX moneylion XXXX XXXX XXXX XXXX ( n which i currently have an open fraud investigation with the FCC/FTC ) these need to be BLOCKED. 

of course I will be filing seperate complaints about each of these companies shortly..
Product: Student loan

We took out a XXXX XXXX private student loan in XXXX. The loan became due XXXX and the payments were so high we were unable to make payments. We never made any payments because XXXX XXXX refused to negotiate a payment that we could afford. In XXXX, we pulled our credit report through XXXX and the Status Details of the loan stated : As of XXXX XXXX, this account is scheduled to go to a positive status. In XXXX, we pulled our credit report through XXXX and the Status Details on the loan stated : The account is scheduled to continue on record until XXXX XXXX. XXXX XXXX, would be XXXX years since the loan was originally opened and 10 years since the loan became due for payment. The Reported Since date on the credit reports from XXXX was XXXX and changed to XXXX on the XXXX credit report. It appears that XXXX XXXX ( Navient ) is altering dates on our credit report to extend the time they can negatively impact our credit report beyond the 7 year law.
Product: Checking or savings account

I called to a direct deposit form for a new job I am starting. I verified my account twice and and was told that they didn't think I am who I am. my mom, called in and filed a incorrect claim on my behalf months ago. that situation was corrected and I set up a code word so they would know that its me going forward. I gave that code word and also verified my account and was told that they didn't think I am who I am. while speaking to a manager I ask was this something that I would have to go through every time I call. I am a XXXX XXXX man, and I have a soft voice. some people would say I sound like a women. I cant control how I sound and I shouldn't be treated differently because of the way I sound. I feel like I have been discriminated against. no one should be treated the way I was treated today.
Product: Debt collection

XX/XX/2018 Asher collection services inc XXXX open charge is XXXX this debt appeared on my XXXX  XXXX  and debt was solved over two years ago.