23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

My concerns are : The loan was declined in spite of my Exceptional credit rating and solid financial standing Citizen One ran a credit check, leaving a permanent mark on my record The explanation given for the decline, APPLICANT 'S IDENTITY CAN NOT BE VERIFIED is not plausible because they did run a credit check. What part of my identity do they lack when checking into my private credit information? 

What happened : I visited the XXXX XXXX in XXXX XXXX, CA on XX/XX/XXXX to buy an XXXX. I wanted to participate in the Upgrade program, for which applying for the loan or using the XXXX Credit Card ( which I did not have ) was mandatory. 

I filled out the application on the stores XXXX and hit submit at around XXXX XXXX. Within about 60 seconds, the store Associate informed me that my loan application was DECLINED. 

He then gave me a phone number to call to try and find out why the loan was declined and to try and repair the situation. I called the number and navigated the voice mail tree multiple times, being placed on lengthy holds and ultimately concluding that no one at the loan company was available to answer questions. 

When I arrived home, I found an email time-stamped XXXX XXXX that said : Thank you for your recent application ( s ) for an XXXX loan with Citizens One. After careful consideration, we are unable to approve your request for the following reason : APPLICANT 'S IDENTITY CAN NOT BE VERIFIED If you have any questions, feel free to call us anytime at XXXX. 

The next day, I found that a credit check had been run by Citizens One. If they were unable to identify me, how were they able to hit up my credit, leaving a permanent mark on my record showing their inquiry? 

In my subsequent phone call to Citizens One, the agent stated that they would investigate if I was really interested. I said I was really interested. She said they would get back to me in about a week. I have not heard back from them in the ensuing 5 weeks.
Product: Checking or savings account

XX/XX/2021 there was a {$3.00} fee charge for a non Huntington ATM balance check but it was only a cash withdrawal that was performed. The {$6.00} fee, while absurdly high, is the only one that should have been charged for this ATM transaction. With access to the app and website there's no need to check anything at the ATM.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$2200.00}, XXXX XXXX Balance : {$2400.00}, XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$10000.00}, XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Company made inquiries into my report without my consent, knowledge, or explicit permission
Product: Credit reporting or other personal consumer reports

I am a physician and am trying to setup a business seeing patients. I have tried to open a small business checking account at XXXX and keep getting refused because ChexSystems is reporting my credit history as frozen. Today I went to a physical bank location and a banker got the same false information from ChexSystems. 

My credit history was frozen for security purposes at all XXXX credit bureaus. It has been over ten days that all credit histories are unfrozen. 

I NEVER placed a freeze with ChexSystems. I did not even know about ChexSystems until I found out they were providing banks with false information on me. 

I am suffering HUGE financial losses because I am unable to transact financial payments and collect payments from patients. This is only and ONLY due to ChexSystems preventing a law abiding citizen from conducting legal business by blocking their ability to conduct financial transactions.
Product: Debt collection

This past XXXX or sometime earlier this year I contacted XXXX or XXXX in regards to my credit report. I reported false claims on my credit report. They went ahead and removed it. I know for legal reasons, they have to note and document when something is removed from my credit report. 

The XXXX XXXX had originally reported something on my credit report because of the XXXX XXXX renters and housing crisis. While nobody was able to work, they still harassed me to make payments. Jumping to 2024, I had this credit ding removed from my credit report. Now its popping up again as a new outstanding collection under a new name of SOURCE RECEIVABLES MANAG. 

I never heard of SOURCE RECEIVABLES MANAG. They never mailed or emailed me anything. But one thing is for sure, this debt is owned by XXXX XXXX and it was removed from my credit report. 

I know that collection agencies are companies that choose to bye debt. But they are required to inform us when our debt moved around. They are also not allowed to please debt back on our credit report after a credit agency removed the charges/claims. 

Please teach out to either XXXX or XXXX about this collection.
Product: Credit reporting or other personal consumer reports

To your company I have sent in disputes for these account reporting on my consumer report. The accounts still have inaccuracies in the date of last activity. I have asked to have them deleted for violating the FCRA, BUT THIS DID NOT HAPPEN. ( I am now requesting THE METHOD OF VERIFICATION USED FOR EACH ACCOUNT LISTED IN THIS DISPUTE. ) IF YOU CAN NOT GIVE ME THE METHOD OF VERIFICATION WITHIN THE 15 DAYS ALLOWED, YOU WILL DELETE EACH ACCOUNT LISTED IMMEDIATELY. YOU HAVE 15 DAYS TO DELETE THESE ACCOUNTS OR I WILL BE SEEKING LEGAL REMEDY FOR DAMAGES UNDER THE FCRA. DELETE ( XXXX XXXX  ) ( XXXX XXXX XXXX )
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX at approximately XXXX XXXX I logged onto Santander Consumer USA website to make my routine monthly payment. As usual, I was directed to the XXXX XXXX XXXX XXXX website for completion. I processed the payment, and received an email confirmation stating that the payment had been submitted in the early hours of XX/XX/XXXX. The email mentioned the date of XX/XX/XXXX, but I thought that was the processing date due to submission on a weekend. I received an email alert from XXXX XXXX about being reported as 30 days late on this account, which was reported by them on XX/XX/XXXX They are stating the payment was due XX/XX/XXXX I immediately called on XX/XX/XXXX, but my account was not " escalated '' until XX/XX/XXXX. I never received a return phone call, instead having to call repeatedly until finally getting in touch with a rep on XX/XX/XXXX They have been no help in this matter, and I am in danger of losing escrow on a purchased home as a result. I am in need of assistance on this matter immediately.
Product: Checking or savings account

XXXX an 100 % XXXX Veteran, therefore I get paid XXXX a month. I have been banking with XXXX XXXX  for about XXXX XXXX. Each month I noticing that my balance is lower than I thought it should be. Around XXXX of last year ( 2024 ) I received a refund of approximately {$400.00} that did not reflect on my AVAILABLE balance. I spoke to a representative and his supervisor and after investigation using my Chime app we found that everything added up. This problem has been very persistent with the same outcome. Well a few days ago I realized that my available balance did not change after a refund or payment adjustment once refunded, and that the payment itself is deleted from my app transactions. After calling multiple times and speaking to multiple people, once they realize the error they hang up the call without giving me an explanation. I have been using Chimes payday loans after exhausting the overdraft limit which been $ 560 monthly that is deducted once I get paid. I noticed that my balance on my bank statements do not match what the balance and the availability I have on the app or what the representatives provide me. In the last two years Ive noticed at least {$3600.00} which includes the app stated they refunded but did not. Because they deleted refunds and it doesnt show the adjustments on the original charge, I cant calculate that. I have been struggling thinking someone has been stealing my money and its the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax shared my info
Product: Credit reporting or other personal consumer reports

I tried to apply for credit and a soft pull was done and was denied based upon the information reporting on my credit report. When I checked all 3 bureaus, XXXX, XXXX, and Experian, they have been reporting information on my credit report without my permission. This in itself resulted in denial of credit with merchant The company that their reporting is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has been illegally and inaccurately reporting to the credit bureaus. This account was opened in 2011. The last payment was made in 2011, however this company has been reporting 1 month then for the next 5 months will report negative late payments and then again report payment made. I have not made payments to them since 2011. I address it with the credit bureaus they informed me this is illegal and to address it directly to the company as well. I contacted them regarding this and they stated they did n't know what I talking about and demanded payment. I sent them a copy of my credit report that showed exactly what I was talking about and then they said they did n't know how that happened, and demanded payment. I informed them that they were in violation of the Florida Statue of Limitations of Debt Act and Fair Credit Billing Act. The Manage got an attitude and laughed and demanded payment once again. They have been fraudulently reporting to keep the account open and it has destroyed my credit. Please see page 43 of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been patiently waiting on their response to 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 willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has broken the law Pursuant to 15 usc 1681 ( a ) ( 1 ) the banking system is dependent upon my consumer report being fair and accurate. After taking a look at my consumer report. I realized that report was inaccurate, and this inaccurate report is unfair to me because i was never notified when this inaccurate information was furnished and i was never notified when during your company 's initial investigation that you were going to report this information Pursuant to 15 us 1681 ( a ) ( 1 ) This gave error has undermining my confidence in your company 's procedure and as a result of this I will no longer be extending credit and if this information is not removed, I no longer want my information reported in your companies database Pursuant to 15 usc 1681 ( a ) ( 2 ) Your company is a powerless elaborate mechanism. This mishap that your company has caused and has ruined my reputation and it has adversely affected my credit worthiness Pursuant to 15 usc 1681 ( a ) ( 3 ) Your company assumed this role. You were not given express permission by me XXXX XXXX!!!! the consumer competent court jurisdiction so not only did you fail in the initial investigation of this information. Youve also assumed this information was valid which is a VIOLATION of my consumer rights.

Pursuant to 15 usc 1681 ( a ) ( 4 ) You did not ensure that the information is accurate, and you did not exercise your grave responsibility with fairness and impartiality. You took one side of the story and never consulted with me to find out if this transaction even took place. As a result of this my privacy was breached and this VIOLATED my rights to privacy.

Congress makes it clear that a consumer report should not include transactions between the consumer and the person making the report. This alleged transaction that you are reporting and failed to investigate. whether or not it factually took place can be categorized as a transaction that took place between the consumer and person making the report. Which means it should not be included in my consumer report and infract is a VIOLATION of my consumer rights.

Pursuant to 15 usc 1681a ( d ) ( 2 ) ( iii ) In your initial investigation I ws never given the opportunity to deny this information being communicated on my consumer report. This is a infract another VIOLATION!! 
( Please see form attached ) Due to your companies negligence I am demanding each and everything in the attached letter. If each thing I am demanding can not be provided then you are to XXXX and delete this inaccurate information
Product: Credit reporting or other personal consumer reports

I have XXXX fraudulent accounts against me from LVNV is the amounts of {$1600.00} since XX/XX/year> and {$2200.00} since XX/XX/year>. These accounts should not be on my credit inquiry and removed immediately. 
Since this this has happened, I have made a dispute against them and XXXX has already deemed it as fraudulent and has removed they accounts off of their credited report. I would like for them to continue to remove this report from all credited reportings
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card for a TJ Maxx I opened about two years ago ( XX/XX/2020 ). My last name was misspelled and, for some reason I dont recall, it couldnt be fixed at that time. I just let it be because I still could use the card normally and I didn't think it'd be an issue. 

Fast forward to this summer, I'm in the middle of the process to get into my current job and I noticed that on my background check report it appears my misspelled last name on the " other names '' section. So when I went to a different location and asked if they could help me to correct my name there. They said yes and I put in the information they asked for- thinking it was to find my account to modify it. At the end they told me the system wouldnt allow it so I should call. I honestly dismissed it because I dont use that card that often and, again, didn't think it would cause a problem because my current legal name has always be the same. 

However, I recently was checking the activity in my report and I saw I had a new inquiry by SYNCB/TJX that was declined on XX/XX/XXXX. Apparently the way the cashier helped me was submitting an application for a new card without my consent, not fixing my name.
Product: Credit reporting or other personal consumer reports

This is very upsetting. My credit report contains inaccuracies and incomplete information. My requests to correct this information keeps getting disregarded and my credit score is unfairly affected.
Product: Credit reporting, credit repair services, or other personal consumer reports

hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXX year old XXXX and i started doing my research and XXXX usc XXXX i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report in XX/XX/XXXX and noticed inquiries that I do not recognize. I sent the creditor a dispute letter asking for proof of authorization. Their response is as quote : " it is our understanding that ( i ) on or about XX/XX/18 you applied for credit. And ( ii ) the application for credit you completed included a disclaimer and authorization for the dealership to submit the application to other lenders in an attempt to qualify you for financing. This authorization is typically located on the application under the heading " consent to release information. '' This is a direct violation of my rights under FCRA 611. I asked for them to send me proof of authorization not tell me what it is. By not doing so, they're in direct violation of FCRA.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Bank- ( XXXX ) : identity theft Discover Bank- ( XXXX ) : Identity Theft XXXX Federal Credit Union- XXXX XX/XX/XXXX XXXX XXXX theft Regions Bank- ( XXXX ) XXXX XX/XX/XXXX : Identity Theft Regions Bank- ( XXXX ) ( XX/XX/XXXX ) : Identity Theft XXXX SAVINGS Bank- ( XXXX ) : XXXX Thef INQUIRIES : Capital XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX Coastal Frederal Cred, XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX allowed illegal unauthorized fraudulent transactions and charges and I submitted XXXX police XXXX. And other evidence investigations and reports of the illegal unauthorized fraudulent transactions and charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX XXXX & XX/XX/XXXX XXXX i received numerous notifications that their has been numerous inquires made to my consumer credit report in which i had know knowledge of, issued by the following companies : XXXX XXXX on XXXX, united auto credit company on XXXX XXXX XXXX card on XXXX XXXX/XXXX  car sale on XXXX XXXX and us small administration on XXXX XXXX XXXX : Under 15 u.s. code 1681b-permissle purpose of a consumers report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTIONS of the consumer to which it relates. 
I XXXX XXXX XXXX never gave these XXXX XXXX  on XXXX, united auto credit company on XXXX XXXX XXXX card on XXXX XXXX/XXXX  car sale on XXXX XXXX and us small administration on XXXX XXXX. written consent to report anything on my consumer report, NO consent is identity theft .and to add on the 3 major reporting bureaus are also at fault due to the fact that their are well aware of the following subchapter 15 u.s code 1681b ( a ) ( 2 )
Product: Checking or savings account

I sold my motorcycle for {$4100.00} and use PayPal to process the payment. PayPal refuses to transfer the funds that the purchaser submitted to them to my XXXX  bank account. Theyre saying that I would need to wait at least 72 hours before I can transfer the funds.?!
Product: Debt collection

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against JEFFERSON CAPITAL SYSTEMS. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Product: Credit reporting or other personal consumer reports

This account has been settled in 3 payments, which XXXX XXXX  agreed to for the settlement. The last payment is being made next month, but they still keep reporting it derogatory/delinquent. I continue to dispute it, and nothing changes.
Product: Prepaid card

I Signed up for a XXXX XXXX through the XXXX XXXX for an offer that said if I was approved I would instantly get an XXXX gift card for {$150.00}. I did not get a gift card after signing up. 

Called Chase Bank on XX/XX/23 and spoke with card services to confirm my XXXX XXXX was approved. They said I was approved and that XXXX is responsible for giving me the gift card. 
Called Chase Bank on XX/XX/23 and talked to XXXX because XXXX said Chase is responsible for giving me the card. She said to talk to card services. I asked for her to stay on the line to explain the issue to the next person. She said okay, but when I was transferred she dropped from the call. 
Was told that XXXX was Responsible for giving me gift card. 

Called Chase Bank again on XX/XX/23 with an XXXX XXXX. Was told that my application was approved that day and could take 1-3 days to get my card. I asked why because the advertised time is instantly. She said she would transfer to an XXXX XXXX Chase expert. The hung up while the call was transferred leaving me and the XXXX XXXX alone on the call and didnt not call me back even though they had my call back number. 

Called Chase Bank again on XX/XX/23 and talked to manager XXXX and she said they would do an investigation on why I didnt get my gift card, but it would take 1 week. She did not say I would get a gift card, but they would look into why I didnt receive it.