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

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$470.00} ; XXXX XXXX XXXX XXXX Balance : {$2800.00} ; XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX Balance : {$7100.00} ; XXXX XXXXXXXX Balance : {$1700.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$8700.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$1100.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$470.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$450.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} ; XXXX, XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$160.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX : {$540.00} ; XXXXXXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX ) XXXX : {$1000.00} ; XXXXXXXX XXXX ( Original Creditor  XXXX XXXX BANK ) XXXX : {$2000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX Balance : {$7200.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX Balance : {$540.00} ; XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have equifax identity theft restoration assistance.The website states that you should call the XXXX if you suspect your a victim of identity theft and they would help you restore your identity.But they told me that they would not set the product up and after arguing about 20 minutes to a 30 minutes just to get the manager to allow them to let me purchase the product.
Product: Credit reporting or other personal consumer reports

Synchrony bank states my account is past due and this account has been paid for years.

I have not used care credit in a very long time and this is showing up as a negative on my credit report. 
The company could not provide help because this account is so old.
Product: Credit reporting or other personal consumer reports

I am writing to express my continued frustration and disappointment regarding the unresolved disputes on my credit report. Despite my previous attempts to have numerous inaccurate and invalid items removed, it has become evident that TransUnion is failing to act responsibly in comparison to XXXX, which has already addressed and resolved most of these inaccuracies.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent account on my credit report.Please remove this account from my credit report and credit files, they are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

I am not associated with these creditors, and I did not make these inquiries.
Product: Credit card or prepaid card

I had a BP gas credit card which was held through XXXX XXXX It is one of the few accounts which I pay on line, and I usually send a set amount of {$100.00} a month prior to receiving the statement in the mail. From XX/XX/2022 to XX/XX/2022, I sent a total of {$550.00}, through my banks web bill pay system, to them. What I did not know was that XXXX sold the BP card to another company, the XXXX XXXX XXXX XXXX XXXX, at some point earlier in the year. I started receiving late payments ( with late charges ) from this bank in XXXX, which I considered a scam and ignored it for several months. When I finally got in touch with them, gave them bank statement proof of payments, they cancelled the charges and attempted to retrieve the {$550.00} from XXXX to no avail. I phoned and tried to contact XXXX multiple times and eventually sent them a certified letter of demand for the return of the overpayments. I have still not heard from them and I hope that you can help me resolve this issue quickly, or guide me in a way of taking legal action against them. Thank you
Product: Credit reporting or other personal consumer reports

I've had Discover card XXXX XXXX XXXX XXXX for many years and rarely used it. Last year in XX/XX/year> I opted out of receiving Discover 's solicitations. I was not informed by Discover that in doing so, they would cease sending me billing statements where I could see if I had a balance due and by when it was due to be paid. It was only until I received a notice from my bank, XXXX XXXX XXXX XXXX  program alerting me to a missed payment, that I was informed of a charge on my Discover card totaling {$28.00} being past due. When I reviewed by Discover card account, I saw that they charged me a 100 % late fee for the missed payment and reported my account as delinquent/missed payment to the reporting agencies. I called Discover, disputed the late fee, noted that I had no other charges on the card, have never missed a payment to any of my creditors, and had an outstanding credit score. I demanded that Discover remove the late fee and retract the inaccurate reporting of me missing a payment, given that they on their own and without my consent stopped sending me account information - which they verified was because I opted out of receiving their marketing solicitations. They apologized and reimbursed me. I was told they have no way of retracting the misinformation they reported and RUINED my credit as a result.
Product: Payday loan, title loan, or personal loan

Due to personal financial issues, I have had no choice but to resort to payday/predatory lenders and these high interest rate, last ditch effort loan companies. I borrowed {$870.00} from XXXX XXXX on XX/XX/2017. I have since repaid {$1200.00}. I still have a balance remaining. I was aware that the loan would have such a high interest rate, but I am struggling to make these payments and I am hoping to be able to have this account closed and listed as paid in full without me needing to make anymore payments as this company has made a sufficient amount of money over the principal. 

None of the email addresses listed on the website are active or working as I have gotten all of my emails returned ( see info from their " Contact Us '' website link below. ). I have called three times and no one has answered ( see info from their " Contact Us '' website link below. ). 

P : XXXX E : XXXX E : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting a formal complaint regarding Equifaxs failure to accurately update and report my student loan status in accordance with the Fair Credit Reporting Act ( FCRA ). 

My student loans were closed and discharged in XX/XX/year>. I disputed the inaccurate reporting of these loans on my Equifax credit report and provided supporting documentation confirming the discharge. Despite this, Equifax incorrectly verified the loans as open and unresolved, while both XXXX and XXXX have accurately reflected the closed status. 

Upon attempting to dispute the inaccuracy again, I was informed that I could not submit another dispute for the same reason, which is a direct violation of my consumer rights under the FCRA ( 15 U.S.C. 1681i ).

FCRA Violations by Equifax Failure to Correct Inaccurate Information ( 1681i ( a ) ( 1 ) ) Credit reporting agencies must conduct a reasonable reinvestigation when a consumer disputes an item. Equifax failed to properly investigate my dispute, despite clear evidence supporting my claim.

Failure to Provide Accurate Information ( 1681e ( b ) ) Consumer reporting agencies are required to maintain reasonable procedures to ensure maximum possible accuracy. The fact that XXXX and XXXX properly updated my student loan status while Equifax did not demonstrates a failure to ensure accuracy. 
Unlawful Refusal to Allow Reinvestigation ( 1681i ( a ) ( 3 ) ) Consumers have the right to dispute inaccurate information. Equifaxs refusal to allow me to submit a follow-up dispute regarding an unresolved inaccuracy is unlawful and obstructs my right to a fair credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a secured credit card with XXXX XXXX XXXX which I opened XX/XX/XXXX. The account number in reference is XXXX. 

There are several discrepancies being reported to each of the 3 credit reporting agencies. 

The first discrepancy is that when I initially opened this account ( completely online ), I only placed a {$100.00} security deposit for the secured credit card account. This does reflect my statement with the account being reported with a {$100.00} credit limit to the credit reporting agencies. 

The next discrepancy is that the account only has ever had a high balance of {$110.00} which exceeds the credit limit of {$100.00} applied to the secured card as a deposit and final payment should the account be closed. 

XXXX XXXX XXXX  reports that this account is in a charge off status as of XX/XX/XXXX with a past due amount of {$61.00}. 

If the past due amount is {$61.00} and the only highest amount is {$110.00} that the account has ever been then this would settle the account in full. 

I also received a notification via e-mail in XXXX stating that my account had been closed and XXXX XXXX XXXX would direct deposit {$75.00} due to closure. I received the {$75.00} then I have this account reflecting as a charge off on my account. There are obviously several discrepancies that are carelessly being reported to the credit reporting agencies based on this information.
Product: Checking or savings account

On XX/XX/XXXX I ordered XXXX, through XXXX, internet access. The equipment, XXXX and wiring, was supplied at no charge. Equipment arrived in a box on XX/XX/XXXX. I did not open the box as my current internet provider was available through the end of the month. 

On XXXX I opened the box to setup the equipment and found that the XXXX was damaged. I contacted XXXX by phone on XXXX to order a new XXXX I was told I could get a new modem from the nearest XXXX store, but declined as it is over a XXXX XXXX XXXX. I opted to have a new one mailed. I was directed to ship the damaged modem back. I dropped the modem off at a XXXX store on XXXX. 

I never received a new modem, so on XX/XX/XXXX I contacted XXXX by chat. I was told that they would mail out a new modem at that time. 

On XX/XX/XXXX I receive an email thanking me for my payment of {$35.00}. This payment posted onto my checking account on XX/XX/XXXX. Even though I hadn't even set up a XXXX yet, therefore not using their XXXX. 

A new XXXX never arrived, so on XX/XX/XXXX I again contacted XXXX by chat. I escalated this up through a supervisor, who assured me that I would receive a new XXXX by mail. And was told they would credit my account the {$35.00} charged on XX/XX/XXXX. I was given a XXXX reference number ( XXXX ). 

XXXX week later I still had not received a new XXXX. I once again contacted XXXX, on XX/XX/XXXX by phone, to cancel my service. I was told that all debits would stop and that a refund of {$35.00} would post to my account within XXXX days. On the same day I received a cancellation email from XXXX. 

I never received a refund, so on XX/XX/XXXX I disputed the charge with PNC bank. I gave them the brief rundown with XXXX shortcomings. 

On XX/XX/XXXX I received a denial of my dispute and the {$35.00} charge would stand due to Schedule " E ''. I contacted my bank on XX/XX/XXXX to request documents for the denial and was told there are no documents and the letter I received would suffice. 

On XX/XX/XXXX, I received another email from XXXX thanking me for my payment of {$62.00}. I have put a stop payment in for this debit.
Product: Debt collection

A number for the " The Northland Group '' is calling me repeatedly and leaving no voicemails. XXXX tells me this is a collections agency but I have received no written notice of any collections accounts. I have received several calls a week and still have no information.
Product: Credit reporting or other personal consumer reports

i have told credit karma to stop reporting inaccurate information they keep reporting. I need there insurance information to file a claim with there in insurance company with there error omissions insurance. They keep reporting XXXX XXXXXXXX XXXXXXXX XXXX  and XXXX XXXX XXXX These company agreed to cease and desist .also i filed a CFPB complaint against these companies. This is my secondfiling on XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

During sometime back in XXXX of XXXX I believe I became a victim of identity theft. Someone may have stolen all of my personal information and from that point they began to open up credit cards and receive financial assistance in my name without my acknowledgement! All this was going on without my knowledge for a total of about 6 years. On about XX/XX/XXXX I decided to apply for and open up credit accounts for myself and this is when I found out that I was a victim of identity theft. I immediately contacted all three credit bureaus and reported the fraud. I sent in all needed documents to verify that it was not me. I have also blocked anything from my report without my knowledge. The account is listed as NAVY FEDERAL XXXXXXXX {$1000.00}
Product: Checking or savings account

Chime closed my account without notice due to suspicious activity. I believe the suspicious activity they are referring to is that I changed my last name after getting married, changed addresses, and transferred money to my XXXX XXXX Joint account with my husband. They are not specifying what went wrong and they are holding onto my money which is illegal.
Product: Credit card

Capital One improperly reported my payment as 31-60 days late. I made my payment on the 30th day and I paid one month ahead, in addition. The improper report decimated my credit score causing irreversible damages. I requested removal and Capital One instructed me to file a complaint here. The agent refused to examine the calendar, date of actual payment and the latitude for payments that 's fall on weekends. This report reflects a predatory and dangerous lending practice that has virtually ruined my life and plans for the next 7 years. The lender and I disagree over one day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX  Original creditor XXXX  XXXX XXXX Balance
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX my Wells Fargo credit card had balance of {$270.00} which I paid in full 2 days later. Unbeknownst to me they charge me {$25.00} dollar later fee and interest on that late fee for the next 2 months. I found this out when my mortgage refinance lender told me Wells Fargo reported me 30 days late. XX/XX/XXXX I called Wells Fargo and after several transfers and waits, XXXX told me she would fax a copy of the Rush Credit Dispute along with mention that the now waived late fees and subsequent interest will be credited back. This false reporting by Wells Fargo is directly affecting my finances. I consider this theft at this point. My refinance lender told me they did not receive anything yesterday XX/XX/XXXX as stated by XXXX. XX/XX/XXXX When I called to find out why no proof of service was sent like I requested I was told they could not do that. Well Fargo created this problem and wont send an email or communicate with another bank to help a decade long customer. I expect better service after so many years. I have personal and business account with them but likely will not any longer if they don't make great strides compensate me for lost time, money, and reversing the ill-effect on my credit report.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance {$310000.00} Date Opened : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$280000.00} Date Opened : XXXX XXXX XXXX Balance {$630.00} Date XXXX
Product: Checking or savings account

When filing my XXXX taxes my tax preparer inadvertently mixed up the last three numbers of my bank account. On XX/XX/XXXX Chase bank accepted my tax refund of {$1700.00} into an account that is not in my name, I do not know the name of the person to this day but I do have the account number and Chase confirmed it was in the other parties account. The IRS has placed multiple traces and requested to be sent the money back so a check can be issued to me. Chase still has not returned my {$1700.00} to the IRS despite them seeing the funds, the name on the check which does not match the name of the account holder, and even replied to the Department of Treasury on XX/XX/XXXX stating " Names do not match. Customer account is NSF. '' I have been going back and forth with Chase for years and still do not have my money. I've spoken to everyone I can possibly speak to within the company and no one has been willing or able to help, even the IRS has given up and states this is now a civil matter.
Product: Consumer Loan

We talk auto lender to extend time to pay my monthly payment and thay agreed but before time thay repo my car
Product: Credit reporting or other personal consumer reports

I am filling a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Dispute my submissions, XXXX consistently responds within 24 hours of stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a responsible investigation of disputes. Furthermore, XXXX 's actions XXXX also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025 -CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with the federal law and provides consumers with the necessary proof of investigation. Here is the account I want removed. 
XXXX XXXX XXXX Opened XX/XX/XXXX {$26000.00}
Product: Checking or savings account

When i deposited my pay check from a well known payroll company to a brand new wells fargo account they flagged a perfectly legitimate check for " Misc. Fraud '' when asked for further details on why holds were put on outgoing payments they could not answer accept for a : Complete Fraud '' letter and my credit has been effected. They have formally accused me of fraud that is unjustified for attempting to deposit perfectly good XXXX pay roll checks on mutiple occasions
Product: Credit card or prepaid card

In typical fashion for BOA, when I called it today about a fraudulent charge on my mastercard, it  subjected me to its usual stream of meaningless recorded messages, long wait times, refused to credit my credit card, then hung up the phone on me. BOA clearly displaces the cost of complying with regulations intended to provide an even playing field for credit card issuers onto its customers to avoid the costs of a reasonable credit card operation that does not duck, weave and generally evade any contact with its customers that it can. In habitually wasting customers time, it dissuades many from recording problems with it. 

On XX/XX/2018, a fraudulent charge for {$85.00} posted on my credit card that I sought credit for. BOA hung up the phone when I did so. XXXX XXXX XXXX XXXX claimed that it mailed me some lawn seed but has no proof of delivery for it since I did not receive it. In its typical idiotic fashion, BOA demanded that I provide proof of non-delivery, rather than requiring the merchant to provide proof of delivery. The CFPB needs to ensure that the burden of proof in such situations is not routinely placed onto customers but on merchants who seek to charge for merchandise that is never received. When I objected to BOAs idiocy of requiring proof for a non-event, it said the merchant had 15 days to get something to me. Yet the merchant had already claimed that I received it. So this is another stroke of  brilliance and bad faith from BOA by which it prolongs the period of time it must issue credits to customers and enhances its own cash flows on the backs of its abused customers who are forced to have their time wasted and credits delayed by its hostile policies. 

As more proof that BOA evades contact with its customers, the contact phone numbers on the back of my card are scarcely legible. They are extremely small and use white typeface against a light grey background.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC 1681b ( a ) ( 2 ) Experian is in violation of furnishing my consumer report without my written consent. I the consumer XXXX XXXX never gave Experian any written consent to furnish anything on my consumer report. Without my consent Experian is committing identity theft. 
I have attach the response I sent to Experian below.
Product: Money transfer, virtual currency, or money service

Several money transfers via Zelle over the last several years. No disclaimer present about verifying the recipient until last year.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth attempts to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the inaccurate informations in my credit record that came about due to an alleged fraud : The following are seems to be an arror on my file that needs to remove : XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXXXXXX Balance Owed : {$2900.00} ; XXXX XXXX XXXX Balance Owed : {$750.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed XXXX {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX Balance Owed : {$2900.00} ; XXXX XXXX XXXX Balance Owed : {$750.00} ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX.