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

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX I wanted to inform all parties that in the last thirty ( 30 ) days I have contacted the Federal Trade Commission XXXX I explained in my letter that, you, as a Federal Reporting Agency have not complied with any of the Laws under the FRCA Laws 605b Identity and 609A1 E2 Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information.

I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financially liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance, your agency has yet to respond to my questions and statements of the Law. 
Please delete the following unverified fraudulent account XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you XXXX extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Product: Bank account or service

My XXXX XXXX husband my a XXXX Quick Pay transfer from his XXXX account to my XXXX account for {$550.00}, on XXXX/XXXX/2015. On XXXX/XXXX/2015 I did not see the money in my XXXX account. When I inquired to XXXX, they said it was accepted into a Wells Fargo account ending in XXXX, via clearxchange. I checked my personal Wells Fargo account, it did not end in XXXX and the money was not there. I called clearxchange, they said they only act as a clearing house for money transfers and that it 's a XXXX issue. XXXX says it 's a Wells Fargo issue and Wells Fargo does not find the money anywhere and says it 's a XXXX issue. NO ONE IS HELPING ME!! I have a " transaction number '' yet it seems to be worthless. WHO CAN I GO TO FOR HELP TO RETURN OUR {$550.00}?
Product: Credit card

My military star card was paid off in a bankruptcy. The company has ignored my request to update the status of the account as " current in accordance with bankruptcy ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by my banker ( for 20 years ) that I was not approved for a home equity loan because of derogatory items on my credit. After I pulled my credit report for myself, I noticed unknown, suspicious accounts. Please remove these fraudulent accounts. XXXX XXXX {$190000.00} XXXX XXXX XXXX XXXX {$28000.00} XXXX XXXX XXXX  XXXX {$21000.00} XXXX XXXX XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX XXXX {$780.00} XXXX XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX XXXX {$1700.00} Please remove these fraudulent inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX is reporting my charge off accounts with the wrong dates,! 
They are reporting accounts that have been closed as open. 
For examples XXXX XXXX XXXX XXXX has a date of XX/XX/year> but the account was closed for 5 years. Already a charge off. Tax write off but still being reported by all credit reporting agencies. Unfairly and illegal.
Product: Credit reporting or other personal consumer reports

XXXX, EQUIFAX, XXXX ARE NOT COMPLYING WITH THEIR OWN COMPANY POLICIES IN A TIMELY MANNER.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2022 regarding inaccurate accounts on my report. I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - I paid for a lease with Hyundai, upfront and in full. The agreement was for me to owe {$0.00} for the life of the lease. The attached contract and receipts show this was paid, including an additional cash amount corresponding to the turn-in fee. 

XX/XX/XXXX - 35 months went by and the lease was nearing the end, so I turned in the vehicle. At this time, the representative confirmed the vehicle was in good condition and the lease terms were completed. So I purchased another vehicle through the dealership. 

XX/XX/XXXX - 9 months after finalizing the lease, I was charged a fee since I didnt purchase a XXXX XXXX turning in the vehicle. Of course this was a mistake since I wasn't informed of the fee when turning in the vehicle and also because I have documents proving this was already paid over 44 months ago. So I started the process to get this corrected. 

XX/XX/XXXX - Hyundai was initially unresponsive, as this occurred during the pandemic. But even though it was difficult to connect with a representative to correct their error, I immediately started getting late payments applied to my credit reports. 

XX/XX/XXXX to XX/XX/XXXX - I continued trying to work with Hyundai to encourage them to abide by the contract. They refused. Then I started working with the credit reporting agencies to have false blemishes removed from my account. They simply asked Hyundai if they were accurate, to which Hyundai confirmed they were, and so no changes were made. All of the credit reporting agencies completely ignored the consumer, the contract, receipts and other documentation, and instead simply took the word of the creditor. As a consumer, all of my rights were taken away. 

XX/XX/XXXX - I ultimately gave up and just decided to pay the erroneous bill in order to have this removed from my credit report. So I paid the fee for a second time! Unfortunately this was never removed from my credit report. My score plummeted XXXX points based on this single, false record. And my hands are tied - there's nothing I can do to prevent Hyundai from keeping these false records on my report and destroying my business. 

PLEASE HELP. AS A CONSUMER, I DID EVERYTHING RIGHT - MADE 3 YEARS OF PAYMENTS UP FRONT, PAID A BOGUS FEE TWICE, TURNED IN THE VEHICLE ON TIME AND IN GREAT CONDITION. I'M A PERFECT CUSTOMER, YET SOMEHOW THEY ARE STILL ALLOWED TO DESTROY MY LIFE!
Product: Credit card or prepaid card

I ordered a XXXX XXXX from an online company on XX/XX/22. I received a confirmation email confirming the price of {$87.00} with the correct description of the product. Several weeks later a received a tracking number that I never could get to work. Several weeks later I emailed to check the status and was told it was delivered. I filed a dispute with my credit card company explaining the problem and provided all the details. Meanwhile, I get notified that I had something at the Post Office that could not be delivered because there was {$4.00} postage due. I thought it might be the pool equipment so I went to the post office only to discover it was a small plastic mailer envelope with an XXXX warehouse return address. I didnt order the pool equipment part from XXXX and knew it would be in a large box so I paid the postage and opened the envelope to find a low quality pair of white socks. There was no packing slip. I emailed the merchant to see if the socks were sent by them. They asked for a picture of the label and content which I sent and they confirmed that it was an error on their part. At this point, I saw red flags and asked for a full refund. They offered 80 % and later 70 % to cover their costs for shipping! I paid the postage on those socks. Meanwhile, Capital One denied my dispute and told me to work with the company. Ive called Capital One 3 times and reopened the dispute 3 times and keep sending them all the information - photos, emails, website information, invoice and they keep denying stating that I didnt provide everything they asked for. The only think I didnt provide was a letter on company letterhead from a 3rd party stating that the item received could not be used on my pool. Of course a pair of socks can not be mounted to my pool equipment to turn salt water into chlorine and who would I get to write such an stupid statement? Id probably have to pay a pool company or plumbing company to do that and be out even more money. I have it in writing that the merchant admitted fault and would issue a credit. That should be enough.
Product: Credit card or prepaid card

On my statement billing cycle ending on XX/XX/2020 CitiBank issued me a credit for fraudulent charges of {$1600.00}. On my statement ending on XX/XX/2020 I was RECHARGED for the unauthorized online purchases in the amount of {$1600.00}. 

I advised the bank that XXXX  had my card as an authorized purchasing option. However, my XXXX was compromised and the card was charged for online purchases on XXXX. I advised CitiBank that these charges were not authorized or performed by myself or any authorized user. It seems they were correcting the issue but have now un-reversed the fraudulent charges.
Product: Debt collection

I canceled my account with XXXX in XXXX of XXXX  by calling in and speaking with an agent. I paid the last owed bill and returned all the equipment in the box they provided. My service was deactivated and my account was closed. Never heard from them again, not through email, phone, or mail. I recently looked at my credit report and noticed I have a collection from CREDENCE RM on my report for {$160.00}, which again I knew nothing about. I do not owe direct tv any money. I went about closing the account the correct way, paid my final bill, and returned all their equipment.
Product: Credit reporting or other personal consumer reports

I appreciate the actions taken by the credit bureaus in removing ALL the previous fraudulent inquiries from my credit reports. However, I still have one concern remaining in my TransUnion Credit Report. I found this one troubling inquiry in my mentioned credit report. I am once more asking the TransUnion for Inquiry Removal of this one inquiry : TRANSUNION : XXXX XXXX  XX/XX/2023
Product: Mortgage

1 ) please see CFPB case XXXX 2 ) US Bank has now deducted an ADDITIONAL mortgage payment from my checking account that I NEVER approved, one on XX/XX/XXXX, the other on XX/XX/XXXX. I would NEVER approve an additional mortgage payment and instead I make ad hoc payments when I can to PRINCIPAL ONLY.

3 ) US Bank appears to have geri rigged my account to justify the missing money they mysteriously took from my checking account. Please see CFPB case XXXX 4 ) When I called them to resolve, they kept telling me that I could resolve the issue by simply making a standing additional payment. Firstly that is NO SOLUTION to this issue. Secondly, I CAN '' T do this because I don't always have money to make an additional payment AND because I have had numerous issues with their improperly putting such payments towards my mortgaged despite being clearly stated on the checks that the money is for principal payment only. Please see complaint : XXXX What is wrong with this bank?!! They are incapable of handling people 's money!!
Product: Credit card or prepaid card

XXXX XXXX XXXX Chase / Chase XXXX XXXX XXXX XXXX Hello, my name is XXXX XXXX and on XX/XX/2022, I and my family planned a trip to Hawaii for this summer from XX/XX/XXXX to XX/XX/XXXX. I charged and booked our flight directly through the Chase portal because of the points that I will be getting and it is convenient. However, most recently around XXXX, something came up and we will not be able to fly this XXXX and I have to cancel our flight which I thought it's going to be quick and no problem because I booked a refundable flight and it was confirmed on my email as well. 

On XX/XX/XXXX Wednesday, I decided to speak to a representative at Chase from their Ultimate Rewards Travel Department to tell them that I have to cancel my trip for a family emergency reason however when the first representative check it shows that it wasn't but I insisted it is refundable and later on when she double-check she has confirmed it was a refundable trip. 

Moreover, during the call when she was checking the " policy '' she was telling me that even if it is refundable the airline " XXXX XXXX '' is requiring them to charge me {$200.00} per passenger to cancel the trip even if it is refundable. I got alarmed with this and I told them there's no way because I don't see that on the email they sent and even on their portal itself. 

Furthermore, I decided to tell them I'm going to call XXXX XXXX to confirm if they charge their customer cancellation fee of {$200.00} per passenger for refundable flights and they told me if the flight is refundable they will refund 100 % and since I booked mine through the agency or through Chase he couldn't do anything and the charge is from them.

I contacted back Chase and informed them about it but they just wouldn't honor it, even after speaking to the supervisor. I am really frustrated at that time and I felt robbed because they were not honoring what they sent to me about the policies and they can't even provide any information telling me that the {$200.00} charge per person or a total of {$800.00} is really an XXXX XXXX charge or where is this exactly on the rules and policies. They ended up charging me {$800.00} just to cancel the flight and I feel so helpless.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX XXXX and requested that my payments should be deferred due to me not getting paid as a result of the coronavirus. 

The representative clearly confirmed that my payments will be deferred for two billing cycles and no late payments will be reported to the credit bureaus ( attached is a phone call recording and letter from XXXX confirming the above ). 

When checking my credit report I noticed that XXXX is reporting a late payment on my account for the month of XX/XX/2020. This late payment is from after the date I first contacted XXXX. And as per the XXXX rep, the amount due was to be deferred as well. And the XXXX payment was not required
Product: Credit reporting

Transunion fails to remove the XXXX XXXX XXXX account. Transunion reports incorrectly that this account is paid monthly. Transunion reports incorrectly the date of first delinquency. Transunion fails to verify the authenticity of this account. Transunion reports incorrectly that I must bring this account current even though I received a XXXX Cancellation of Debt from XXXX XXXX XXXX. Transunion continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. 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 to be removed/updated.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against the three major credit reporting agenciesExperian, XXXX, and XXXXfor failing to comply with the requirements of the Fair Credit Reporting Act ( FCRA ) in addressing and resolving disputes I submitted regarding inaccurate information on my credit report. Their failure to investigate and verify the disputed information within the legally mandated timeframe has severely impacted my creditworthiness and financial well-being. 

XXXX XXXX XXXX Account XXXX XXXX Account XXXX  XXXX Account XXXX XXXX XXXX Account On XX/XX/year>, I formally disputed the accuracy of the above accounts with Experian, XXXX, and XXXX, citing discrepancies in the reported balances, payment histories, and statuses across the three bureaus. My disputes were sent via certified mail, and I provided all necessary supporting documentation.

Non-Compliance with FCRA : The FCRA, under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), requires that credit reporting agencies investigate consumer disputes and provide the results of the investigation within 30 days of receiving the dispute.

As of today 's date, more than 30 days have passed, and I have not received any response or verification from Experian, XXXX, or XXXX regarding the disputed accounts. This lack of response violates my rights under the FCRA. 
Impact on Creditworthiness : The failure of the credit bureaus to address these inaccuracies has directly harmed my credit score, limiting my ability to obtain credit, loans, or favorable interest rates. The inaccurate and unverifiable information remains on my credit report, further damaging my financial standing.
Product: Credit reporting or other personal consumer reports

RE : Social Security Number:XXXX and account reported from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reason : Under penalty of perjury, I swear this account is false and misleading. Please remove it from my credit report. 

Credit Inquiry from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reason : The inquiries was not authorize. Please remove it from my credit report. 


ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENTS ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/ AND OR ALPHANUMERIC SOURCE CODES ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, -STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT. ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL. 

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

I have the ongoing victim of identity theft. I monitor my credit bureau reports and have had credit accounts taken out under my name. Ive notified the creditor and credit bureaus as well. The actual creditor is not removing the fraudulent account from my credit report and the credit bureau is ignoring my federal rights under the FCRA section 605b asking that fraudulent information be blocked from reporting on my credit file but instead only resubmitted the information to the creditor who then re verified the information and leaves it in my credit profile as a derogatory account. 
I have enclosed my current copy of my valid police report to substantiate my identity theft case. I have also filed a Identity Theft report with the FTC. Bridgecrest is the account Im referring to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3. You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681 b number 2. I never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my report. I can give you the CFPB report number. 

TransUnion fraudulently reported accounts and 2 inquiries on my credit report. 
* Creditor : XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX * Creditor : XXXX  on XX/XX/XXXX XXXX fraudulently reported accounts and 4 inquiries on my credit report. 
* Creditor : XXXXXXXX XXXX on XX/XX/XXXX * Creditor : XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX * Creditor : XXXX on XX/XX/XXXX * Creditor : XXXX on XX/XX/XXXX XXXX fraudulently reported accounts and 2 inquiries on my credit report. 
* Creditor : XXXX on XX/XX/XXXX * Creditor : XXXX on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

FERPA This breach is a clear violation of FERPA and your responsibility safeguard my information.
Product: Credit card

A credit card was open in my name now its balance on my credit score need it off
Product: Checking or savings account

I recently opened an AMEX Rewards Checking account with a Debit Card. I am currently using this AMEX Debit Card as an AUTO Pay for XXXX XXXX XXXX XXXX payment each month. AMEX doesn't run their Debit Cards as a TRUE debit transaction. XXXX XXXX XXXX Discounts for Auto Credit Card Payments is only {$5.00} per line but an Auto Debit Card or Checking Account Debit is {$10.00} per line. I was having trouble with my XXXX XXXX XXXX Phone bill and was on the phone with Customer Service and escalated to the management team for over an hour. The XXXX XXXX XXXX team both told me after research, that is how AMEX runs their DEBIT Card Transactions. I contacted AMEX customer service and they were no help either. I have worked in XXXX XXXX XXXX  my entire life, in the rXXXX XXXX XXXX Not other Debit Card such as XXXX, XXXX, or XXXX  initiate their Debit Cards this way. I researched on XXXX and found out others who have had the same issues. Rules and regulations govern how Debit Cards transactions can be processed legally. I know they are bound by FDIC and the Office of Comptroller of Currency. Could you please look into this situation and help find a solution or report to the appropriate agencies for violations?
Product: Credit reporting, credit repair services, or other personal consumer reports

After the fraud was uncovered at Equifax - it was recommended that we place a freeze on our credit reports with " the 3 '' bureaus. Well, it seems the bureaus do n't want this. Loss of revenue. XXXX indicates I must have had an account years ago. Unless I recall the sign-in I ca n't get into freeze. They offer no help in recalling password. AND will not permit a new account. Equifax just plain makes their web site inoperative. I need an answer now.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account number : XXXX, XXXX XXXX XXXXXXXX Account number : XXXX, XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX, XXXX XXXX UNIVERSITY Account number : XXXX, XXXX XXXX  Account number : 3XXXX 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.