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

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

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

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 50 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 50 days, so it should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and my has gotten into the hands of the wrong person.
Product: Checking or savings account

On XX/XX/year> approx. XXXX, i went to an XXXX XXXX  XXXX ATM, located @ XXXX XXXX  XXXX XXXX XXXX XXXX NY XXXX XXXX, to with draw {$340.00}, atm fee of {$3.00}. When I put in my information in the atm i was given a message that stated, Transaction Error. No money and no receipts were issued. An hour later I got a text message notification stating that the {$340.00} from that XXXX XXXX XXXX ATM had been removed from my CHIME checking account. 

I immediately filed a dispute with my bank, CHIME, and they informed me they could not start a dispute on a " pending '' transaction. I waited the couple days for the transaction to no longer be pending and filed my dispute with CHIME. After about XXXX business days i received an email saying their investigation had concluded and they found that no error had occurred and that they would not be reimbursing me the {$340.00} i never received. 

After hearing back from CHIME i contacted XXXX XXXX XXXX XXXX, the owner of the ATM, and they stated that there was nothing they could do on their end. Because all they would do was what i had already done, and filed a dispute with my bank, CHIME.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Missing funds from my checking account, after deposits from the companies Ive worked for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX paying my credit cards and payemnts have been made ontime for the last year yet I have laste paymnets showing on several credit cards from XXXX thru XXXX. I have yet again been denied for a home loan because of this and am extremly frustrated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX XXXX  XXXX XXXX DEPTEDXXXX XXXX Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX
Product: Checking or savings account

I had a legal name change in XXXX. Part of this process was canceling my old debit card and had a new one issued, in my correct legal name. On XX/XX/XXXX I received a replacement for the canceled card, issued in the not-legal name. I did not receive notice of this card being issued. It just showed up in the mail, under my old name. 

My prior information was expunged on my account. They issued a ready to be activated debit card on a canceled card, to the last information available at that card ( Name, address, expiration date ), rather than any information on my account. I got no notice of it sent by mail, email, or electronic record within my banking account where notices are sent. Again, the name on the card is not for a legal name.
Product: Checking or savings account

I canceled services with XXXX XXXX XXXX due to the company was not paying the companies as promised with the debt consolidation. I received an email with the account being closed and amount of the refund that would be processed. After waiting a week and not funds were received, I reached out to Bank of America. The first rep I spoke with submitted individual claims for the amount ( {$170.00} ) but {$860.00} was not included in the claim. On XX/XX/23, another claim was opened for the amount. The claim was closed XX/XX/23 under unable to pay. I filed a complaint and was contacted by a resolutions specialist named XXXX, who stated that the rep never submitted the claim or documents. The claim was re-opened on XX/XX/23 by XXXX and XXXX submitted all the documents that were already on file. I have called in to the bank on several occasions and no one can provide any information to when my money will be returned. I was sent to the financial branch and was told by XXXX XXXX ( XXXX XXXX XXXX ) that all she can do is file a complaint but no one will contact me regarding the claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 States I have the right to privacy.

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

I have sent several factual disputes to each bureaus informing them of the inconsistencies and violations of the FCRA with how this account is reporting on my credit profile. It is my understanding that the FCRA requires that all credit bureaus are reporting the same information across the board, and that information has to be consistent, if not its a violation. Theres several violations with this report such as, the inconsistent date is open, stating the account is not being disputed when it is, XXXX reporting this account as open and XXXX and Experian reporting it as closed!
Product: Credit reporting, credit repair services, or other personal consumer reports

There is wrong information appear in my report. I demand to see verifiable proof of the accounts you listed  XXXX   XXXX  CT NJ  XXXX  -  XXXX   XXXX  Account #  XXXX    XXXX   XXXX   #  XXXX  ''  XXXX   XXXX   XXXX  Account #  XXXX    XXXX    Account #  XXXX  ''
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigated but how is that possible if the account numbers are inaccurate. This ground for removal theyve also violated my rights under 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 an account without my written instructions Bankruptcy shows different on all XXXX credit reports : Please see screenshots attached Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX : XXXX Accounts Previously Disputed via US Mail XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX  XXXX XXXX Account # XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX  XXXX  Account # XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX Also, the Credit Bureaus took more than 30 days to complete my investigation and also update my personal information such as my last name due to getting married, mailing address and employer. Here are the tracking XXXX tracking numbers. Equifax XXXX, XXXX XXXX, XXXX XXXX My name changed from XXXX XXXX XXXX to XXXX XXXX XXXX. Ive attached my marriage license. In my dispute to have the information updated the credit bureaus has yet to update my name and still have my previous last name XXXX XXXX of which my maiden name XXXX was restored by the XXXX XX/XX/2009. XXXX is still showing on my credit report. Lastly my only address should be XXXX XXXX XXXX XXXX, Florida XXXX and not all of the others of which I sent in a written dispute to have my current address updated and all outdated/unknown address removed. Since my dispute the credit bureaus has added 2 additional address and have failed to update my address. Please see the attached screenshots showing proof of delivery of disputes via US Mail.
Product: Credit card or prepaid card

This is related to my previous complain. It was researched but not detailed. I didnt agree with the companys response as it does not cover everything. Please refer to CFPB Ref No : XXXX especially the feedback. I can not reopen the old ticket so this would be a new ticket.
Product: Checking or savings account

Wells Fargo was incorrectly charging my account, upon requesting funds to be reimbursed I was denied, I then attempted to close out my account, they would not pay me the balance I had in my checking account due. They closed my account and kept my money.
Product: Checking or savings account

An unauthorized charge for XXXX debited from my account on XX/XX/XXXX with a descriptor of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have used my debit card XXXX time this year, on XX/XX/XXXX, to take {$200.00} cash from the debit machine on XXXX XXXX XXXX. I do not make purchases with this card, or any debit card.

I saw the charge the morning of XX/XX/XXXX, blocked access to my card using the app and called to report it. 

The rep could not give me any information about the charge. She told me it would take up to XXXX  days to process. I asked to speak to someone in the dispute department. She said there was no one and that no one would even open my case for XXXX  days. I asked to speak to a supervisor. She said someone would call me. I got no answers on how to re-gain access to my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Karma has falsely led me to believe that I was pre-approved for both a credit card and an auto loan, after I applied I was denied from both the credit and auto loan applications. They have impacted my life as a consumer due to false advertisements. This has put my family and me in a hard financial bind. I am still not able to obtain a car due to this, I have lost all hope behind this. They consistently send me offers of pre-approval for different things to this very day. The most recent was in a lower rate on insurance it is unfair and unjust. 

15 USC 1681 A ( 4 ) Right to Privacy 15 USC 1681 B ( 2 ) Permissible Purpose 18 USC 1028 A Identity Theft
Product: Debt collection

XXXX, tried to fixe my credit, despite with them, the company just put the amount higher.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$690.00} XXXX XXXX Balance : {$9200.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2200.00} ( Original Creditor : XXXX ) XXXX Balance : {$410.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$580.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I hope this email finds you well. I am writing to follow up on my previous communications regarding the removal of fraudulent items from my credit report. This marks the several formal attempt to address this crucial matter. 

Despite my persistent efforts and numerous requests, the fraudulent transactions remain unresolved, causing significant distress and impacting my financial credibility. It is imperative that these unauthorized entries are promptly removed from my credit report to ensure its accuracy and integrity. 

I urge you to take immediate action to rectify this matter and provide me with confirmation once the fraudulent items have been successfully removed. Additionally, I request regular updates on the progress of the removal process to ensure timely resolution. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX Balance : {$570.00} XXXX XXXXXXXX XXXX Balance : {$800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance : {$870.00} XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX Balance : {$510.00} XXXX XXXX XXXX Balance : {$800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$570.00} XXXX  XXXX XXXX Balance : {$170.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance XXXX {$0.00} XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX Balance : {$9700.00} XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit card or prepaid card

Hey, on XXXX I order 3 stethoscopes form home Depot for my school, in same day they send me an email that one of the 3 items have been canceled, after one week they sent me another email to go to Home Depot and pick one of the 2 stethoscopes, and that second one wont be arrive until late XXXX ; because I needed it on that semester ; I called and I canceled the order ; the sales representative ensured me that order been cancelled. At the end of the month I went to Home Depot and I paid for the one I picked up ( the only one I received ). After 3 months they sent me a letter stating that third stethoscope the one I cancel it wasnt cancelled and they kept charging me XXXX $ fees every months. I called the credit card company /Home Depots for hours and days trying to resolve this issue ... no one seem to care. now they asking to either pay or they will send it to the collection agency. I felt I have been scammed ... paying for something I didnt received. I am very responsible person I pay woman I paid my dues on time and work so hard for my money .I have the emails/ payment to back up everything I said ... .. please I need help resolving this matter.
Product: Consumer Loan

Civil action was taken against me with Heights Finance. Attempting to work with them directly, the company would not answer any questions regarding the account over the phone and were extremely rude each time a call was placed. I paid off the debt completely in XXXX of 2015 and the company is still reporting to the credit bureau 's that the account is open as of XXXX XXXX 2015. I contacted them in an attempt to clear this matter and they refused to speak to me. I believe they are doing this as a form of retaliation.
Product: Credit card

I already filed a complaint. However, the Comenity Banks response is unacceptable and false. I attached Comenity Banks letter of response to me. Regarding the XXXX account, I have attached the documentation from my bank that disputes Comenity Banks claims. Regarding the XXXX account they have totally missed the problem. The checks for the XXXX accounts were dated XX/XX/2023. The USPS tracking data shows the checks arrived at Comenity Bank in XXXX, TX on XX/XX/2023. Yet, Comenity Bank did not process my checks until XX/XX/XXXX. So, Comenity Bank processed my check nine days after receiving the payment. They then applied late fees to my account on XX/XX/XXXX and XX/XX/XXXX. I attached a copy of the checks with date stamps, the USPS tracking data that shows when the checks were delivered and my billing statement.