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

In accordance with the fair credit Reporting act, The list of accounts below has violated my protected consumer rightist privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer fo any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15 US C 1681c. ( a ) ( 5 ) - no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of conviction of crimes which antedates the report by more than seven years.
Product: Credit reporting or other personal consumer reports

I have had my identity stolen and been trying to get it rectified for some time and have not had any help XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX are all accounts that i have no knowledge of and have been ruining my life can you please help me removing these accounts.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I received a letter from XXXX  XXXX XXXX and noticed charges for transactions that I did not authorize. I did not have my card in my possession and did not permit anyone else to use it. The last time I had my card was in XX/XX/XXXX, and I suspect it was stolen in XX/XX/XXXX. My card was used for multiple fraudulent charges since XX/XX/XXXX, totaling {$430.00}. After my account was closed, I was not provided with bank statements, leaving me unable to properly address the issue. Despite filing disputes with XXXX  XXXX XXXX, Experian, XXXX, and XXXX several times, none of them resolved the issue or corrected my credit report. I am a victim of both fraud and identity theft, as well as the negligent handling of my case by XXXX  XXXX XXXX, Experian, XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted numerous complaints to Experian to no avail to advise I have been a victim of identity theft and the following accounts do not belong to me. they refuse to investigate further.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XX/XX/year> LEXIS NEXIS Consumer Center Attn : State Privacy Act Request XXXX XXXX XXXX XXXX, GA XXXX RE : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear XXXX, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. 

These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 

Failing to notify consumers about investigation results effectively. 

These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. 

I am deeply concerned that my dispute may be mishandled in a similar manner.
Product: Credit reporting or other personal consumer reports

Im writing in regards to letters I sent out disputing this account with XXXX XXXX and I never received any correspondence about to the disputed account, I wrote to XXXX XXXX, Experian, XXXX and XXXX and it had been over 35 days with experian XXXX and XXXX and it has been 34 days with XXXX XXXX The Late payments are reporting inaccurately and illegally. I pointed out all the violations that they are in violation of and continuing to report this account is illegal. I want this account reinvestigated and this account removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit inquiry on my report should be taken off I dont have a product from XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Derogatory information from the company XXXX  XXXX continues to be on all 3 credit reports. This debt has not been validated and keeps being reported on report since XX/XX/2015, I have repeatedly disputed this account and credit agencys only response is this is a accurate account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been disputed a few credit card accounts that was fraudulently opened a few companies in my name i was a victim of identity theft Ive had a fraud alert in place on my credit file ever sense i sent letters back in XX/XX/2022 disputing the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Ive disputed these items over and over with credit reporting agencies XXXX, XXXX and Experian stating these was fraudulent accounts they never investigated just kept saying it was accurate
Product: Checking or savings account

I made a purchase on a site and the site was fraudulent, and I contacted chime customer service about stopping payment and they refused to do so. So I filed a dispute and chime customer service representative assured that I would get my money back. They ended up denying me one time and asking me to send documentation of the fraudulent activities and that they would investigate my claim, I did exactly as they asked, I sent all documentation. They denied me again. I want my money and chime did not take proper procedures in this situation. I would like my money back. 
Thank You, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : 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 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
Product: Credit reporting

Ive tried numerous times in writing and phone calls to retrieve my free annual credit report to no avail..the information they have is incorrect such as ..i had bought a house ..i cant get past the questions to retrieve my report..
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America has a " hard '' credit inquiry dated XX/XX/2016 still listed on my XXXX credit bureau report. 

According to the FCRA ( Fair Credit Reporting Act ), passed by Congress, all inquiries older than 2 years old on a consumer 's credit file, must be deleted by the credit bureau. 

I have contacted both Bank of America and XXXX credit bureau to have them remove this inquiry from my credit bureau credit report.
Product: Checking or savings account

I have started working with XXXX starting XX/XX/XXXX and my first check was returned by chime to my employer based on my name not matching with my new married name via the check. I updated it and figured it was fine, given the check had finally arrived on the XXXX after being returned on XX/XX/XXXX. 

This week, after submitting my hours done on Monday and payroll accepting it, others who have banked with the same Chime have gotten their check deposited with no issues. As of XXXX CST XX/XX/XXXX I have not received my paycheck of {$970.00}. My name is correct and updated, as per support has confirmed. 

Now I am not sure if the check has been returned or not as I have had two different support agents tell me that it was on the XXXX while another tells me it's still on its way and not returned. I find this entire ordeal unacceptable behavior as I have done my part in ensuring my information is correct as well as my employer releasing the funds. Chime has not cooperated in supplying my funds and has given me the runaround on whether it's been returned or not. 
My chime id is XXXX  XXXX I just want my paycheck so I may close my account and move elsewhere from the nightmare that is Chime.
Product: Credit reporting, credit repair services, or other personal consumer reports

Prior-I filed a report advising that Transunion is reporting inaccuracies on my report and refuse to validate and or correct. My complaint number is XXXX. Transunion responded to you as well as I, that the debt is validated. Transunion is violating my Fair Credit Reporting rights ( 611 ).  Please see all attachments whereas, XXXX XXXX did not validate this debt, the Bankruptcy court did not validate this debt yet-Transunion refuses to disclose the source. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Transunion is required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below or a letter from the actual court regarding the alleged Bankruptcy on my account. XXXX  nor XXXX  is reporting this information, why are they? The document Transunion sent is not sufficient proof that this debt was vaidated. Lastly, the names on the credit report and the alleged account do not match.
Product: Student loan

I have been a member of the United States XXXX XXXX since XXXX in both an XXXX XXXX and XXXX XXXX XXXX. I have been a XXXX  employee, without a break in service, since XXXX of XXXX. After passage of the public service loan forgiveness act, I contacted my loan servicer, Navient, and was informed that if I continued my federal government service and made payments on my student loans for 10 years, I would qualify for the loan forgiveness program. After 10 years of on-time payments and a continued 10 years of XXXX XXXX  employment, I contacted Navient again in XXXX to see what I needed to do to apply for the program and was then informed that I did not have qualifying loans and would need to consolidate my loans and make additional payments for 10 years, with overlapping qualified public service, in order to be eligible. If I had been given this information when I originally called Navient in the XXXX timeframe, I would have consolidated my loans at that time. Navient has failed to carry out both the spirit and the letter of the public service loan forgiveness act by failing to provide any accurate information to me about my loans since I inquired after passage and implementation of the legislation. At a minimum, they should have given me accurate information when I contacted them. After failing to do so, they should have contacted me by letter or email to inform me that my loans did not qualify after I initially reached out to them and was given the incorrect information.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX, as facilitated through Credit Karma 's auto loan refinance function on their app. I applied for an auto refinance loan based on an advertisement that promised a XXXX XXXX  monthly payment with a 6.41 % interest rate. 

However, upon interacting with a XXXX representative, I was only offered a monthly payment of {$490.00} with an interest rate exceeding 9.5 %. This significant discrepancy between the advertised terms and the actual offer constitutes false advertising. 

Notably, the loan agent conveyed that achieving the initially advertised interest rate was unattainable, despite my credit score being a solid XXXX at the time of application. This raises concerns about the accuracy and legitimacy of the advertised terms. 

I believe I have been misled and subjected to deceptive practices, resulting in unnecessary hits to my credit score and wasted time. I kindly request that your agency investigates this matter promptly and takes appropriate action to rectify the misleading advertising practices employed by XXXX.
Product: Credit reporting

THE ACCOUNTS ON THE EQUIFAX REPORT ARE WRONG AND ARE IDENTITY THEFT FRAUDALENT ACCOUNTS. I WANT THESE REMOVED, BUT EQUIFAX DOES N'T COLLABORATE AFTER ALL THE EVIDENCE THAT I SENT SUCH AS POLICE REPORT, IRS AFFIDAVIT, MY GOVERNMENT ID, SSN AND FTC IDENTITY THEFT AFFIDAVIT AS WELL. 
THE UNAUTHORIZED ACCOUNTS ARE : ( XXXX XXXX XXXX ) AND XXXX XXXX XXXX XXXX )
Product: Credit reporting or other personal consumer reports

XX/XX/2023 I submitted a claim to CFPB concerning a request that I sent to all 3 bureaus on a dispute regarding information that is being reported. However, CFBP closed submission because one of the bureaus Equifax responded with a remark saying claim was verified. 

My concern how was this verified? I continue to ask for this information. So, now I'm asking for re-investigation. 

According to the FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding the procedures of reinvestigation states if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available Please note, a third-party furnisher of information, such as XXXX  XXXX XXXX, or an alleged creditor does not meet the standards set by the FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) ONLY the Bankruptcy Court should be the furnisher of information, not a third-party source. According to the bankruptcy court ( letter attached ), they do not verify bankruptcies with the credit bureaus. demand direct, not third-party, proof according to FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) or deleted the bankruptcy from my record according to FCRA, Section 609 a ( 2 ).

Please provide me with : 1. Court House name 2. Name of person who verified Bankruptcy.

3. Court house address, telephone number 4. Documentation used to verify dispute
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report i noticed that there is inaccurate information reporting. 
The inaccurate information is the late payments for XXXX XXXX XXXXXXXX Account Number : XXXX There has been a payment made on this account and has not been 30 days past due.
Product: Checking or savings account

On XX/XX/year>, I tried to pay a bill from my checking account, and the transaction was declined. I was expecting the transaction to be processed since I had XXXX in overdraft protection. I called the Mechanics Bank customer service phone number to see why the transaction was declined. They informed me at the time of my paying the bill online, there was only XXXX in the account. I asked the representative if I had overdraft protection. He said yes then he said to hold one moment while he checked because he didn't want to be wrong. He came back on the line and informed me the overdraft protection had been removed. I asked why. He told me to reach out to my local branch in XXXX, CA. I tried calling them and couldn't get a representative. I called back and they asked for my account number. They informed me they removed the overdraft without informing me of what they had done because my account had frequent overdrafts. I have a concern because I have direct deposit and have always repaid my overdraft fees plus the money owed. They took away my overdraft without informing me but continued to charge me horrendous excessive overdraft fees plus continuous fees daily which has caused substantial financial hardship.
Product: Checking or savings account

We are an online e-commerce merchant and one payment method we offer is PayPal. Our PayPal account is configured so PayPal transfers daily sale collections to our XXXX XXXX XXXX account. 

On XX/XX/XXXX, PayPal notified us that {$970.00} has been transferred to our bank. When reconciling our account on XX/XX/XXXX we noticed that this transfer never was deposited to our bank account. 

XX/XX/XXXX - We called our bank and confirmed that the deposit was not completed to the bank. 

XX/XX/XXXX - We called PayPal to inquire why the deposit was missing. We were told that we need to wait 7 or 8 days to see if it shows up in our bank account even though other deposits after this missing deposit were transferred correctly. 

XX/XX/XXXX - We called back and told we had to wait an additional 72 hours. 

XX/XX/XXXX - Called PayPal and was told that a trace on the deposit was initiated ( ticket XXXX ), Wait an additional 36 to 48 hours. 

XX/XX/XXXX - Called PayPal and was told that the deposit was reversed and it would take a couple of days to show up in our account. 

XX/XX/XXXX XXXX XXXX said deposit was never reversed. Initiated a new trace ticket ( XXXX ) and he would give us a response in 4 days XX/XX/XXXX No response from PayPal. Called PayPal and spoke to supervisor XXXX. Investigative tech team still working on the deposit ( XXXX XXXX ). When pressing him as to when I should call back, we were told XX/XX/XXXX. 

XX/XX/XXXX - Called spoke to supervisor XXXX. Still no resolution on investigating the missing deposit. Said he would issue a XXXX XXXX of {$970.00} to our account while PayPal continues to investigate the missing deposit. It may take a couple of days to appear in our account. 

XX/XX/XXXX - Called and spoke to supervisor " XXXX '' who said the deposit was reversed and the case was closed. It took 2 hours on the phone with XXXX for him to research the issue and agree that the deposit of {$970.00} has still not been deposited to my bank account. Requested that a " Manager '' call me to clarify why PayPal 's investigative department has not found where the money was actually deposited to and as of today ( XX/XX/XXXX ) we have not received a callback and the missing funds have not been deposited to our local bank account. XXXX created another ticket XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX and XXXX XXXX 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.
Product: Credit card

Please check these documents. There are late payment remarks on my file and I want it to be updated to positive.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the past, I've had several student loans from the US Dept of Education from XXXX. Over time my student loans have been transferred to XXXX, XXXX, and XXXX. I am currently consolidated with XXXX, and the previous loan servicers XXXX and XXXX are reporting my loans with the correct status, which is paid in full consolidated. US Dept of Education is reporting my student loan as Paid/collections, and this is simply incorrect. I have not done business with this loan servicer in over a decade, and this incorrect information prevents me from purchasing a home. I have spoken with two customer service representatives from the US Dept of Education and a supervisor resulting in no resolution.
Product: Credit card

I WAS ON TRAVELING AND MY CREDIT CARD WAS STOLEN I CONTACTED US BANK AND INFORMED THEM OF MY CARD BEING STOLEN ALONG WITH OTHER CREDIT CARDS OF MINE, US BANK STATED THEY DID A FRUAD CLAIM FOR ME AND THEN DENIED MY FRUAD CLAIM SAYING I HAVE DONE BUSINESS IN THE PAST WITH THESE MERCHANTS, MY CREDIT CARD WAS STOLEN, I LOST MY WALLET AND I HAVE OTHER FRAUD CLAIMS AND LETTERS FROM OTHER BANKS CONFIRMING SUCH, I DID NOT MAKE THESE CHARGES AND THEY NEED TO BE REMOVED OFF MY ACCOUNT IMMEDIATELY. MY CARD WAS STOLEN AND USED WITHOUT MY PERMISSION. THESE CHARGES NEED TO BE TAKEN OFF IMMEDIATELY. 

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: Money transfer, virtual currency, or money service

I have been purchasing crypto on Coinbase pro since around XX/XX/2021. My investment total should be well over {$8000.00}. My portfolio is not showing the right balance.. I reached out to there support and they have not tried to rectify the situation.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Consumer Financial Protection Bureau XXXX CFPB ) XXXX XXXX XXXX XXXX XXXX IA XXXX Subject : Complaint Regarding Credit Karma 's Dispute Process Dear CFPB, I am writing to file a formal complaint regarding the limitations I have experienced with Credit Karma 's dispute process, which has negatively impacted my ability to address inaccuracies on my credit report in a timely manner. Specifically, I am unable to dispute more than one item at a time through their platform, which unnecessarily prolongs the process and delays resolution of critical errors. 

One item I am disputing is an account from XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CT XXXX ). This account is listed as a charge-off with a balance of {$10000.00}, and remarks indicate a profit and loss write-off. I have filed an identity theft report with the FTC and have taken steps to address fraudulent activities on my credit file. I am requesting that Credit Karma verify this debt directly with the original contract from the creditor, not an itemized summary list, to ensure accuracy and legitimacy of the claim. 

This limitation in Credit Karmas platform hinders consumers like myself from efficiently resolving multiple inaccuracies, which is crucial for maintaining fair and accurate credit reporting. I kindly request the CFPB to review this matter and advocate for a more consumer-friendly dispute process that allows individuals to dispute multiple items simultaneously. 

Thank you for your attention to this issue. 

Sincerely, XXXX XXXX
Product: Credit reporting

Related case # XXXX Thank you for your investigation response. Can you please send me : ( a ) The name of the creditor ; ( b ) The person 's name they verified the dispute with ; ( c ) The address ; ( d ) The telephone number ; and ( e ) The documentation used to verify the dispute. 

tel:XXXX
Product: Debt collection

Females from Van Rue of Illinois called XXXX, claiming to be from XXXX. I am in XXXX. They claim to be checking for some XXXX XXXX of a XXXX location. After checking, they are not from XXXX but from the rogue Van Rue Debt collector. I contacted individuals XXXX. XXXX XXXX appears to have its hands in several illegal acts : XXXX scam, embezzlement, and illegal drug sales.