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

I HAVE CALL TRASUNION THEY HAVE THE DOCUMENT!!! 
IS HAS BEEN OVER 30 DAY AND STILL HAVE NOT DELETED THOSE FRUAD INQUIRIS. THEY KEEP RESPONDING THEY WORKING ON IT. BOUT HAS VIOLATED THE 30 DAY RESPONDE OR DISPUTED TIME.THEY HAVE NOT DELETE THIS FRUAD INQUIRIS SHOWING HERE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I started an account with Coinbase. Upon doing so I made a small deposit via my checking account to purchase crypto currency. Shortly after the purchase my account was restricted and I was unable To retain the funds deposited which has successfully cleared and been deposited. The company stated I had multiple account which is inaccurate I have never established a relationship prior. They give me scripted statements and no real answers resolution steps or time frame to resolve. 
My email associated with account is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph XXXX, XXXX XXXX ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph XXXX ). 

A dispute was submitted on XX/XX/2022 to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2018 I paid for deletion of this anonymous account appeared on my credit profile, in the mist of me purchasing my home. I reached out to both bureau and lender. I called the lenders to inform them of this item that i have no knowledge on that is being reported by XXXX XXXX. Only reason I agreed to pay this amount that is Im in the process of closing on my house. Now this debt do not belong to me and the only reason we went ahead and paid this account only because the Company stated they will remove away from credit but they changed it to paid as agreed. This was not the the agreement we made and now they are telling me i have takin responsiblite for these charges. WHICH IS FRADULENT AND I KNOW AGAINST THE LAW this is why im reaching out to Consumer Financial Protection Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that you have included the below information in my credit profile and 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. Every step must be taken to assure the information reported is completely accurate and correct. 
Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act.
Product: Credit card

I have never opened or authorized an account with XXXX XXXX, and the account currently reported on my Experian credit report is inaccurate. The XXXX XXXX account ( Account XXXX. ending in XXXX ) is listed as Paid, Closed with a balance of {$580.00} written off, with the last status update in XX/XX/year>. I did not open this account, nor have I made any transactions associated with it. I am disputing this account under 15 USC 6802, which ensures my right to privacy and protection against unauthorized sharing of my personal information. This account contains inaccurate information, and I did not authorize the sharing or reporting of this data under the conditions set forth by this law. I request immediate removal of this account as it is in violation of my rights under the Gramm-Leach-Bliley Act and other relevant consumer protection statutes
Product: Mortgage

We fell behind on our mortgage after a go karting accident and struggled to pay, but once we started paying again they stopped taking payments and have not reviewed our loss mitigation package.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

My school is XXXX and is located in XXXX, Illinois when I first called into XXXX they were so anxious to get me in. So the XXXX day I came in my guidance counselor told me that no matter what I will be able to get a job anywhere and if I decided to go to another school that I will be able to transfer my credits. At this moment in time I had told him that I was pregnant. He told me that was fine and that I would be able to get maternity leave and I will be able to finish my schooling. He also called me at very late times and early times to, everyday it was getting annoying, saying that he was making sure I was going to school. So I did my 6 months and I was already 8 months pregnant XXXX my teacher also knew this they insisted I stay my whole semester, I also had doctors visits frequently so I was ready to do my maternity leave. I did try to come back I could n't because I was told that they were closing shutting down. I talked to the president of the XXXX, IL campus and she told me that I would be able to come back they are just renovating. I 'm a mother of XXXX XXXX I was really hoping on finishing the goal I had set for my family, and they ruined that for me. The main thing was also telling me that my credits were transferable and no collages take them or accredited schools take them. I 'm so disappointed from the debt to the teachers and how they run their system. I Ca n't pay the student loans they are asking me for especially when they lied, cheated, and made false promises off my dreams.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I was in a the market to shop for car and they pulled my credit from few different lenders without disclosing it with me. 
I tried to dispute it with XXXX, Experian and XXXX and i did not get a proper respond. I'm very upset that those hard inquires is going to be on my credit repots which I did not allowed it. I would appreciate it if we could get those removed. 

Thank You
Product: Credit reporting or other personal consumer reports

Incorrect information on my experian credit report. I have disputed this several times and they refuse to give me accurate information and take this off my credit report. This is a violation. Please remove as this is inaccurate information.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX Born XX/XX/year> in XXXX XXXX. My address is XXXX XXXX XXXX XXXX XXXX I live for the past XXXX XXXX recently move to XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Experian, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX been putting Collections on my name I reported them serval time thats the wrong birth date but they keep ignoring my letter no response to non of them has responded they put a wrong address as well that I do not live not recognized. That cause me to get places and finances stable due to they errors that caused me a lot. I have my passport to prove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been a victim of identity theft, this account does not belong to me.
Product: Checking or savings account

From XXXX XXXX my Chase debit card was used XXXX times as it was comprised by thieves or hackers. They used my card at XXXX local XXXX stores by making a purchase then withdrawing {$100.00} cash XXXX times. Also, they made XXXX consecutive withdrawals at a cash station totaling {$1000.00}. Altogether the thieves walked away with {$5500.00} from purchases at XXXX along with {$1000.00} using my debit card over the course of XXXX days. These transactions took place in the late evening hours towards store closing times. 

Due to my memory problems I was unable to file a claim in the correct state of mind. I let my son speak on my behalf which Chase agreed to. They were able to credit my account for the {$1000.00} cash withdrawals from a separate claim. That claim was submitted on XX/XX/XXXX and approved on XX/XX/XXXX. 

To this day there is now a matter of {$5500.00} still unresolved. I have spoken to XXXX separate escalation managers named XXXX and XXXX and no resolution has been made. I spoke to XXXX on XX/XX/XXXX and he explained a technical error occurred and the money would be refunded within XXXX days. Unfortunately all I received was a rejection letter that reads " We found that the transaction ( s ) was processed according to the information you provided or was authorized. '' On the morning of XX/XX/XXXX I spoke to another escalation specialist named XXXX and went through every single fraudulent transaction along with explaining the circumstances from XXXX XXXX. She was nice enough to conduct thorough research and explain why XXXX separate claims for {$5500.00} were rejected. After spending XXXX hour and XXXX minutes on the phone, she made an assurance that " money would be refunded within a few hours. '' It is now XXXX XXXX  on XX/XX/XXXX and still I have not been refunded. 

I am beyond frustrated and unable to retrieve this money. I have banked with JP Morgan Chase for many years and never had this problem before. The escalation managers can be reached at XXXX.
Product: Credit reporting, credit repair services, 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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Processed on Time : I made the payment on time, but it was not credited correctly, resulting in a late payment entry. I have attached the payment receipt and a bank statement showing that the payment was made well before the due date. 
System Error : I had set up automatic payments through my bank, and this particular payment was deducted from my account on time. It appears there was a technical issue between my bank and XXXX XXXX, which caused the delay in posting the payment. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Credit card

I started a Care Credit account when I had XXXX XXXXXXXX in XXXXXXXX XXXX XXXX. I had setup auto pay using my checking account. Each month I would receive a call saying my payment was declined and processed the payment online with the same auto call using my checking account on the phone which is the same I use for auto pay. I logged into my account today and saw that Synchrony is charging me each month a late fee even though I am using the same bank account information they provide on the call. I called customer service to make them aware of this and they refused to refund any of my late charges.
Product: Money transfer, virtual currency, or money service

On XX/XX/2018at XXXX, I entered XXXX XXXX XXXX in XXXX XXXX , NJ and proceeded to do my usual business a the facility. I wanted to use Western Union services, however the debit card slider component of the machine was not working and was told by the cashier that it had not been working for over a month. I told her that walking to the ATM at XXXX XXXX XXXX to withdraw a large amount of cash then back was unsafe. The cashier responded " don't know what to tell you '' I then went to the ATM and withdrew the cash to send at XXXX XXXX XXXX to do the transaction. The rude cashier then told me that Western Union was closed for the day, so I made the risky trip for nothing. I asked to see the manager and the cashier yelled at me and said " I am the manager!! '' and then kept screaming at me further saying " since you want to be a XXXX, it's not my fault it's Western Union 's fault '' I told the manager that there's no reason why she allowed this problem to persist for a month. Not everybody carries large amounts of cash on them for safety reasons. I angrily headed toward the door as the manager kept yelling at me then said " take your business someplace else! '' I said I was sorry if I angered her and she replied " no ''. I had been doing business at this check cashing place for over 10 years. This combative manager finds it easier to attack customers and lose business rather than getting Western Union problems fixed. In the past I have tried to ask who the owner of the facility was to resolved complaints however I was denied information, so there is no way to complain to the manager 's boss. This manager can verbally attack any customer she wants without any consequences.
Product: Credit reporting or other personal consumer reports

There's addresses need to be removed from credit profile I am not connected to these addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I have an auto loan for a XXXX XXXX purchased new in XXXX of XXXX requiring XXXX payments of {$570.00} starting on XX/XX/XXXX. A XXXX final payment of {$570.00} was due on XX/XX/XXXX. 

I setup automatic Bill Payments through XXXX XXXX Account to be paid on the first of the month starting on XX/XX/XXXX. I have records for all automatic transfer payments made from the XXXX Account directly to Chase Auto Loan account # XXXX and all payments were made on time. This was verified many times since XXXX of XXXX to current by XXXX and documentation as proof of payment was faxed directly to Chase Auto. 

The loan has been paid in full as of XX/XX/XXXX with the final payment paid in person to Chase Bank in XXXX, Vermont. Record of all payments having been received has been acknowledged by XXXX XXXX XXXX as of a letter received dated XX/XX/XXXX. 

Chase Auto Loan refuses to remove late charges incorrectly assessed, accumulating to {$1700.00}. After getting no help, support, replies, or resolution through Chase Auto Customer Support starting in XXXX of XXXX and continuing to present, and having involved E-Trade as well to provide Chase Auto with proof of payments made by XXXX directly, and early every month to Chase Auto, the issue has not been resolved.

According to Chase Auto, they never processed a payment received by them on XX/XX/XXXX. Throughout over a year of contact with Chase Auto in XXXX and XXXX, their representative admitted that there were issues with their internal Receiving Department getting payments to their own Processing Department and likely that was the issue of why they claim they never received a XX/XX/XXXX payment. XXXX had the check presented for 60 days before it was finally stopped in XXXX of XXXX. 

At no time have I ever been unwilling to resolve this issue ; but, I am not willing to pay late fees that have should have never been assessed, nor is there any evidence on my end that shows that there were payments not received. My letter from XXXX XXXX XXXX and the documented XXXX payments from XXXX demonstrates this. 

Chase Auto Loan Customer Support is clearly not customer support. I need these erroneous charges removed.
Product: Credit reporting, credit repair services, 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 : XXXX XXXX XXXX # XXXX and ACCOUNT XXXX XXXX XXXX # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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

On XX/XX/23, Upon reviewing my checking account NO # XXXX Transactions, I noticed 3 transactions in the amount of {$60.00}, {$40.00} and {$40.00} have been charged from my checking account by an unauthorized person then the fraud department filed a fraud investigation. Two days and by XX/XX/23, another amount in the amount of {$750.00} and {$50.00} were again taken from my account by an unauthorized person. Again i contacted the fraud department and they confirmed that they have sent these items to be investigated. I was then told that I will be contacted after 10 business days on their finding and my account will be credited for all the amounts. Then on XX/XX/23, when i contacted the fraud department they told me that they will not be refunding back all the unauthorized amounts. the total unauthorized amounts were {$940.00} The bank then ( Wells Fargo ) told me that due to a 60- Day liability clause. they will not be refunding back the total amount of {$940.00}. I find this incredible and very suspicious to believe so I decided to purse a further investigation in order to get my money refunded. I will gratefully like to hear from you guys. The fraud department phone number is XXXX XXXX FYI too the Ref NO for this investigation by the wells fargo fraud department is XXXX. With this Information i hope you can help me get the truth by talking to wells fargo. my name is XXXX XXXX XXXX and my number is XXXX XXXX XXXX. Please let me hear from you
Product: Credit reporting, credit repair services, or other personal consumer reports

To begin with, this is not the first time I have been attempting to remove the incorrect personal information on my credit reports. My first dispute towards removing the erroneous information was on : XX/XX/2019. Nothing was ever done, I even sent it notarized letters ( twice ) to all agencies : XXXX, XXXX, & Transunion in order to correct the inconsistencies on my report. My name is XXXX XXXX XXXX XXXX XXXX, That is the way it should reflect on my credit reports. The way I see it reflecting is wrong such as : XXXX XXXX XXXX ( XXXX ) / XXXX XXXX XXXX ( XXXX ) / XXXX XXXX XXXX ( TRANSUNION ). I demand to know the reason why this information hasn't been updated or changed at all. According to the FCRA, if the information is not verifiable, accurate, nor complete it would have to be changed immediately. Please correct the information as soon as possible, thank you.