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

Today I was speaking with a XXXX XXXX XXXX XXXX representative on chat and they asked for my SSN I declined. As I was asking for pricing and possibly cancellation of service, I received an email from my credit monitoring service. XXXX XXXX XXXX XXXXXXXX XXXX.-XXXX  made an inquiry on my credit. This was not authorized. I wasn't even asked. I confronted the representative that I was corresponding with and they said they did not run a check. But I got the notice literally seconds after I declined his inquiry. I also have the chat screenshots, email of the notification and the hard inquiry on my credit. This is beyond UNACCEPTABLE. I need assistance as XXXX XXXX XXXX has only directed me to a fraud page instead of removing the inquiry. It needs to be rectified. I take care of my credit and this will negatively affect me. 

Please help!
Product: Credit reporting or other personal consumer reports

According to consumer law, FCRA 15 U.S. Code 1681s-2-Responsibilities of furnishers of information to consumer reporting agencies ( a ) ( 1 ( A ) must provide accurate information and yall job to prohibit information with actual knowledge of errors and ( B ) keep reporting information after notice and confirmation of errors. IT MUST BE DELETED According to consumer law, FCRA 15 U.S. Code 1681i ( 5 ) Procedure in case of disputed accuracy. If a credit report has inaccurate, incomplete, or unverifiable information then it must be removed from my credit report. 

This is a federal unethical practice which can lead to a litigation according to 15 US Code S 1681n Civil Liability for willful noncompliance. {$1000.00} per violation, you know the law. 

Account : Macys XXXX Violation 1 How is it that this account is updated in XXXX but the account closed XX/XX/XXXX? 
Violation 2 How is it that the last payment made was XX/XX/XXXX but the account closed XX/XX/XXXX? 
Violation 3 How can the maximum delinquency be XX/XX/XXXX and XX/XX/XXXX and not within the timeframe the account was open? So I can be deemed late after an account closure in XX/XX/XXXX? 

I have proof of all the errors. Other bureaus have deleted this information because it was inaccurate, incomplete, and unverifiable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed dispute with XXXX, XXXX and Transunion, but i have only heard from XXXX and XXXX. Its been over 60 days and I haven't heard anything from Transunion. XXXX an XXXX reported that the information was verified and accurate but I have proof that that is not true or accurate. 

XXXX XXXX has deleted the bankruptcy off my consumer report and the US bankruptcy court verified that they do not report the the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, as stated by creditor ( Carrington Mortgage Services ) in document attached, received an inquiry on my behalf. I sent this inquiry to Carrington Mortgage on behalf of Account number XXXX, which is my current account with them. As I reviewed my consumer report Ive noticed that there are more than 37 violations on the said report. I also noticed that there are late payments reported on the report as well. The letter was to inform them that they were in violation of law 15USC1681a 2 ( A ) i. Also attached to the inquiry was a copy of my Drivers License, Social Security Card, and proof of address for verification. 

This company as mentioned in the inquiry is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Also 15USC166B states a creditor may NOT treat a payment on a credit card account under an OPEN end consumer plan as LATE for ANY PURPOSES. 

Both of these are violations along with the improper reporting that shows over 37 violations across three major bureaus. This is a violation of 15USC1681 section 623.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX Account Number : XXXX
Product: Credit card

Abruptly and without prior notice, American Express Financial Services, issuer of my personal American Express Platinum Card, and two business cards ( American Express Business Platinum and American Express Blue Business Plus ), suspended my card access today ( XX/XX/year> ) on all three cards claiming that my account is under routine financial review. As part of this review I was asked to answer questions about my employer and private law firm and then to provide two recent paystubs from my employer and two bank statements from the the account I use to pay American Express, all of which I have done. My complaint is that this financial review is being done without any prior notice or warning or as a result of my failure to meet my financial obligations. Fortunately, I have other credit cards, personal or business. Yet, i use my American Express Cards frequently as two of the cards carry {$690.00} annual fees ( {$1300.00} total ). I am about to go on a business trip and have no access to the cards and the benefits they offer. American Express 's action are unwarranted.
Product: Checking or savings account

I XXXX XXXX deposited a check from my business account at XXXXXXXX XXXX to my personal account Chase ending in XXXX with the amount {$12000.00}. It was my mistake that forgot to sign on the front of the check, and the check didn't go through. However, the chase bank sent me a message that " ATM Check Error '', and overdraft my account {$12000.00}. I have tried to call the customer service, and they transfered me to 3 persons, let me wait over 30 minits and the last represensirive is rud and she said she can not see anything, and refuse to assist me and hand off the call. 

It does not make sense that I owe chase bank {$12000.00} in one night and they may charge my overdraft fee.My wife has tried to transfer {$1000.00} to the account to see if it can balance back, failed. And I don't know what is the next step, should we continue deposit the money to the acount or continue using this account or not. cause it is minus {$12000.00}. It is my first time to have this kind of issue.
Product: Checking or savings account

In XXXX, a former employer set up a XXXX XXXXXXXX XXXX  on behalf of myself with BMO Harris. 

In XXXX, XXXX XXXX announced they would be transferring management of XXXX accounts to XXXX. This transfer would occur in XX/XX/XXXX. 

In XX/XX/XXXX, BMO Harris should have transferred {$2400.00} to XXXX. Their wire transfer shows {$0.00}.

I have contacted BMO Harris customer support 2 times, a BMO Harris branch where my account was set up by my former employer3 times, and XXXX  2 times. I have been bounced back and forth saying I need

to call one another. BMO claims there is nothing they can do as they dont have access or visibility into the accounts and their staff at the branches dont know how to troubleshoot the problem beyond lip service that theyll look into it. Ive had to follow up each time. Lively says the funds transferred match t
he {$0.00} and that theres nothing they can do on their end. They have on record that Ive called twice and had an extended conversation with one of this reps.

The funny thing about this is I can still see the XXXX account in the BMO Harris portal, despite them claiming my money does not exist. 

Today, XX/XX/XXXX, after following up with BMO Harris I saw a note on my account saying they were updating the balance of the account to {$0.00} and since the account is marked closed. 
In my most recent call on XX/XX/XXXX to discuss why my account was being updated if they no longer could look into it they hung up on me and refused to answer my call again.
Product: Consumer Loan

SPEEDY CASH XXXX promise if I paid off this account they would remove from my credit in 30 days however, refuse to do so after taking my payoff money. I was charge fees however, I told them that I only got paid once a month they charge me twice within a month over drawing my bank account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Finance/Personal XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX Automotive XXXX XXXX XXXXXXXX Finance/Personal XXXX XXXX XXXX Someone gained access to my personal information without my consent and applied for credit. As a consumer this violates my rights. Hard Inquiries 18 USC 1028A Under the FCRA, companies may only access credit reports for specific purposes, such as when a consumer applies for credit, or when there is a legitimate business need initiated by the consumer. These unauthorized hard inquiry, while not directly affecting my credit score, is an unlawful invasion of my privacy and an infringement on my rights as a consumer under federal law.

15 U.S.C. 1681b ( FCRA ) : Limits access to a consumer 's credit report to specific, permissible purposes.

15 U.S.C. 1681n : Entitles consumers to statutory damages of up to {$1000.00} for willful non-compliance with the FCRA, even if no actual damage occurs.
Product: Credit card or prepaid card

In XX/XX/2019 I initiated a full balance transfer from my Citibank credit card to my XXXX credit card. The correct balance appeared on my XXXX card. However around XX/XX/2019 I noticed I was still making payments to my Citi bank credit card. I looked at the account and noticed that I balanced had not transferred. I called Citi bank and they did an investigation. In XXXX they closed the " Simplicity  '' credit card, transferred the balance to my " Diamond '' card and gave me a credit for the balance transfer. In XX/XX/2019 I get a phone call stating that I owed $ 800+ on my Simplicity  card. I again told them about the investigation that took place in XX/XX/2019. However they are now claiming that the '' Simplicity  '' card that has a balance of {$800.00} that I need to pay. Since I have done business with Citibank I have never authorized them to open more than one credit card account with them. Right now it appears that I have 3. 

I believe that Citbank is using the created account and the failed balanced transfer to bully customers to pay money they do not owe. It is either that or sever incompetence in their record keeping.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding the unresolved attempts I have made to remove fraudulent items from my credit report. I have diligently followed the necessary procedures, including filing disputes and providing supporting documentation, on multiple occasions, yet these fraudulent entries continue to tarnish my credit history. 

To provide context, I first noticed the presence of fraudulent items on my credit report Since then, I have taken the following actions : I promptly contacted your agency and filed a dispute regarding the fraudulent items on. I provided all requested documentation, including a copy of the police report filed for the identity theft. 

I followed up on the status of my dispute, and I was informed that the investigation was underway. 

After receiving no resolution or update on my dispute, I filed a second dispute. I reiterated my concerns and provided any additional evidence requested. 

Subsequently, I have made additional attempts to address this issue, including phone calls and emails to your agency 's customer service department, without any satisfactory resolution. 

Despite these multiple attempts and the significant effort I have put forth to resolve this matter, the fraudulent items continue to adversely affect my creditworthiness. This situation has caused me undue stress and financial hardship. 

I understand the importance of maintaining accurate credit reporting, and I believe that your agency has a responsibility to ensure the accuracy and integrity of the information in my credit file. As such, I respectfully request the following : A thorough and expedited investigation into the fraudulent items on my credit report. 

Immediate removal of the fraudulent entries from my credit report, as they are negatively impacting my ability to secure credit and financial opportunities.

A detailed written response outlining the results of the investigation and the actions taken to correct my credit report.

Assurance that steps will be taken to prevent any recurrence of this issue in the future. 

I expect a prompt and meaningful response to this formal complaint within the exact time frame from the date of this letter. If my concerns are not adequately addressed, I may be forced to seek legal remedies to rectify this situation. I am asking for your immediate attention to remove the following items : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX.
Product: Checking or savings account

CFBP did not put my funds in my region bank account in XXXX XXXX Can I pick up the funds ( check ) CFPB was familiar with my hacks and still was considerate. My commissioner seen on public record that I received XXXX XXXX this month but I received {$0.00} PLEASE HELP MY KIDS. I have contacted every news and highest authority possible. We are in danger and I told CFPB. This is not protecting my funds. It hard for me to operate cfpb website. No one respond back to no form of communication. All my phones are hacked. Gov knows about my funds before me. Thats strange. Some cancel my bank card, no one knew the date
Product: Mortgage

XXXX Payment - Same address as the one listed on complaint This item is being disputed is due to communication breakdown between Wells Fargo and XXXX XXXX. I spoke with XXXX from Wells Fargo on XXXX/XXXX/16 at XXXX ( His ID number is XXXX ). I asked why have I not received any email reminders as I have in the past and he had no answer to that. I also received a letter on XXXX XXXX from Wells Fargo letting me know about the late payment, with nothing prior to that. This letter came after the fact, a phone call or email should have taken place to remind me of the late payment per my electronic communication agreement. The payment was made along with future payments, I would like to get the 30-day late payment removed from my credit report, since the payment was made and no communication with Wells Fargo took place reminding me of the payment. I signed up for electronic communication when this account was opened and opted out of paper communication. I should have received my monthly reminders as I have in the past, but that did not take place and was confirmed by XXXX XXXX, that I should have. I also spoke with XXXX ( ID # SWL ) on XXXX/XXXX/16 around XXXX and he did not help in any way, I have not missed a payment with Wells Fargo since I got my Mortgage with them on XXXX. I have always gotten the email communication. I have plenty of Cash in my Checking account, so lack of funds was not an issue. ( I can supply bank statements if deemed necessary ). XXXX also provided me with a phone number which they stated was used to let me know about the payment, but that number was no longer in service ( Since XXXX/XXXX/2016 ). I changed the number on the Online system but according to them that never took place. I would like to have them remove the 30 day notice from my Credit Reports, since they did not provide me with the electronic communication which was agreed upon when I signed up with them. I have worked very hard on my Credit Report and it has decreased by XXXX points due to this matter, which I feel is due to their mistake. 

Thank you very much
Product: Consumer Loan

In XXXX XXXX Santander Consumer Usa purchased a car loan from XXXX for me on a XXXX XXXX. I made every payment on this vehicle to them until my car was refinanced by XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX and receiving the tiltle to this vehicle on XXXX XXXX XXXX In XXXX XXXX this company Santander Usa starting reporting derogatory payment history to the bureau and i know longer had the car it took me to XXXX to get this corrected but it has impacted my credit report a great deal by reporting it as A charge off account paid for a less amount. My loan with them was for XXXX and at the time it was purchased from XXXX the pay off for the vehicle was XXXX and it was paid and title was received. what is hindering me is this account is labled as a charge off and it was never a charge off. I have attached all the documents for this loan including the title that was given on XXXX/XXXX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Accordance with the Fair Credit Reporting Act Convergent Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX BANK OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCU XXXX 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 instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over XXXX  days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section XXXX ( a ) clearly states that a failure to investigate these items within XXXX days gives reason to immediately remove those items from my credit report. It has been over XXXX  days so they should be promptly XXXX am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law XXXX, Title VI, Section XXXX, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I XXXX follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis is reporting inaccurate bankruptcy on my credit report I have been trying to see how this how verified this because this information this not match my records and under section 168 of the FCRA they are suppose to verify all information that is being reported incorrect in 30 day or remove it from my report they have not done either one and I need all inaccurate information removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTER XXXX BANKRUPTCY DISCHARGED
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached you will find detailed dispute docs detailing the inaccuracy and the validity of the debt collection attempt. Let 1st say that this account was removed from my XXXX consumer report due to the company performing a thorough verification and validation. So I question what was your verfication process. I don't see anywhere that states where the account was last verified. I don't see a ( n ) account status on this report either so is it reporting open or closed. Account is showing a balance owed yet I have never receivied a 1099-c from the " original creditor ''. The dates last active on this reporting are egregiously inaccurate and of course according to US 1681 everything has to be 100 % accurate on my consumer report. How is that so if the account was properly investigated. I'm willing to battle this to no end to clear my name and preserve my positive consumer rating!! Delete this XXXX now!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Company reporting violations to my credit report. Please see the violations below. 

Account Name : XXXX XXXX. Account XXXX XXXX Violation Reported : date of last payments reports XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, are all reporting different date of late payments. 

Violation Reported : reporting past due of XXXX, and payment status reports collection/ charge-off. No pass due balance should be reporting. 

Violation Reported : two-year payment history reporting nothing for XXXX, XXXX  reports as CO, and Equifax reports as current/ Ok. These accounts are reporting under the closed account section, and not reporting under the collections accounts section and yet these are charged-off/ collections accounts.
Product: Debt collection

I actually spoke to the representative from this debt collector, and I wanted to know who to contact about 3 accounts that are saying they are from me when I never even had a XXXX  XXXX account, an XXXX XXXX XXXX account and the one of XXXX XXXX for XXXX XXXX that said it was from 2 years ago ... I have not lived in XXXX XXXX since 2014. None of these reports are me, so I think my identity has been taken and I need to know what to do for a dispute because it's really affecting my credit score!
Product: Credit card or prepaid card

On  XXXX   XXXX ,    2017, I completed a balance transfer using a promotional check sent to me via mail by Discover. I  receive them all the time but never took advantage of one until now. I transferred my balance and made my first payment. After realizing that the payment was higher than it should have been I contacte d Discover. O n  XXXX   XXXX ,  2017 , I spoke with  XXXX  in the Ohio location. After placing me on hold for several minutes she found that the reason I was charged additional was because the check processed was allegedly for a regu lar cash advance only a nd not the promotional offer. She said that they place  two  types of checks in the envelope-both  cash advance and bala nce transfer. I explained to her that this is misleading and confusing to a consumer for them to place both types of offers into the checks. I am sure that several others have made the alleged mistake that I have made before if they were not careful. I asked  XXXX  what could be done to resolve and she said that there is nothing that can be done. After almost 8 years with this company, I will be transferring my balance to a legitimate, ethical company ( i.e. my personal bank or  XXXX   XXXX  ) and closing out this car d. Discover 's practices a re deceptive and I feel so disgusted that they would take advantage of me in this way.