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

Credit reporting Agencies are reporting Bankruptcy information without any verification and have ignored my request for verification and stated Verified, I have documented proof that they could not and did not verify with the Original Creditor as required during the investigation process ( LETTERS FROM BANKRUPTCY COURT THAT THE DO NOT REPORT NOR DO THEY VERIFIY ). they have caused myself and my family harm and financial hardship due to their fraudulent reporting accounts that should be deleted IMMEDIATELY!! 
XXXX ) XXXX XXXX ) XXXX ** I hereby formally revoke any consent, whether given knowingly or unknowingly for the reporting or dissemination or my person information to credit reporting agencies. 
Per FCRA 15USC 1681 it is within my right to control the dissemination of my personal information and revoke any previously given consent per Privacy act of 1974 5USC 552a
Product: Debt collection

I was forced, to Pay off Navient, ordo. I had to borrow money at first to pay them tap them off ; ebb and flow because they nagged, so hatefully, it was like, What's happened ; to you Navient. And, quickly or so {$50000.00} I think was coverage ; and by my 400 hours/ month working in the XXXX. Then I'd work 12 years as a Representative of XXXX XXXX XXXX, or XXXX : no since signatured off of loans ; ha, Added Taxes, fees ; and penalties not to mention, the threats. so in XXXX I did finally, pay off, and because now Navient is under a Settlement provisionary, in XXXX ; I want someone to gummy back and go reach back from the XXXX of the thrones of where my money, is handworker for, and as said, in settlement, {$15000.00} open- door ploy and policy in service, thanks. I am a public service working ' participial. And, additional, money that could be refunded ' now you know my service with-it and degree, state ; then know. I do
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX  XXXX NC XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act under 15 USC 1681, everything has to be 100 % accurate on my credit report. I specifically asked the XXXX, TransUnion, and XXXX to " investigate '' these accounts to make sure EVERYTHING is 100 % accurate. Account : XXXX  XXXX AND XXXX XXXX They responded and said everything is 100 % accurate. THEY ARE COMPLETE LIARS. I have downloaded my most recent credit report and there are several inaccuracies, which means they didn't do a proper investigation as required per the FCRA. The high balance, date of last activity, date opened, are all reporting different numbers. How are they all reporting differently if they are getting their information from the same source!!!!!!

Also the companies have violated my rights several times under 15 USC 1681. According to : 15 U.S.C 1681 Section 602 A : States I have the right to privacy. According to : 15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions. According to : 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: Vehicle loan or lease

I have requested multiple time for my interest rate on this account to be reduced to 6 % in accordance with the SCRA Servicemember Civil Relief Act. The company has been aware of my XXXX XXXX status and have had records to reflect my status.
Product: Credit card or prepaid card

On Sunday XX/XX/20 I called XXXX reservation and booked a two day stay at XXXX   XXXX in XXXX, MD for {$110.00}. When I arrived at the hotel I was told that check-in was at XXXX XXXX. I told her to cancel the reservation. Today, I learned that my credit card was charged {$120.00} and later refunded {$62.00}. This is a shortage of {$57.00}, which has left me with a lack of much needed credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

As the consumer, I was not given an explanation of how I can exercise that nondisclosure option for the following account : Department of Veterans Affairs Account Number : XXXX I contacted Transunion XXXX XX/XX/2021 to inform them that an account on my credit report is violating my rights under 15 U.S. Code 6802. 

Today is now XX/XX/2021 and they have yet to suppress the account from my credit report.
Product: Checking or savings account

On Friday XX/XX/XXXX I received notification from Chase that I exceeded my allowance for withdrawals from my saving account. Three are allowed, 9 were conducted and I was charged {$15.00} for such actions. I then checked my account and saw that 9 unauthorized electronic withdrawals were made and I called Chase to file a fraud claim. The withdrawals were in the amounts of {$270.00}, {$260.00}, {$250.00}, {$240.00}, {$230.00}, {$210.00}, {$200.00}, {$100.00}, and then a {$200.00} but there were not sufficient funds. Clearly they were fishing to see how much was in the account. 

I then realized on Monday, XX/XX/XXXX I received a notice from Chase that I had insufficient funds for 2 checks for my checking account and was charged for that. Since I did not write any recent or large checks I reviewed my checking and saw 2 checks for the amount of {$4800.00} written to a XXXX XXXX, which I did not write. The first check was a duplicate check number XXXX - My signature and memo were correct for the original XXXX check, which was a {$30.00} check for my XXXX XXXXXXXX XXXX  dues. The signature was correct also, but the pay to the order of and amounts were changed. I called Chase again and filed a fraud account and they said there was no fraud as no money was taken. I then went to my local branch in XXXX and tried to resolve this with XXXX XXXX who works there. 

I kept calling to check the status of the Chase claim and was told on XX/XX/XXXX that the claim was denied. I asked to speak to a supervisor and went over the facts again, they were going to do a second investigation because she noted some additional information that was not reviewed. This was after 2 other calls where a Chase representative told me it was a XXXX withdrawal, which was incorrect. The other Chase representative told me he could not reveal any details of the investigation, it would compromise how they do the investigations. This was after XXXX hours on hold and talking to other people. 

I closed all my accounts but the disputed savings account on Saturday, XX/XX/XXXX. I will never bank with Chase, after being there for XXXX years. 

Today I called Chase and they said the second investigation found no fraud. That the log in was from the devise used before, which clearly is incorrect as I did not authorize this. I am waiting for a letter explaining the details of their investigation because I do not see how this is possible that these funds, coinciding with the false checks, are not clearly fraud. Chase has not been helpful at all.
Product: Credit reporting or other personal consumer reports

There was a Credit Card opened with XXXX XXXX XXXX XXXX around XXXX of XXXX. I never opened such an account with them and never had any business with this sketchy company. I found out my Identity was stolen around XX/XX/XXXX when I was routinely checking my credit reports and found an account from XXXX XXXXXXXX that was closed 90 Days Past Due. The account number of the account is XXXX. I never opened this account and filed disputes with XXXXXXXX XXXX XXXX, Experian, XXXX, and XXXX for ID Theft. I also filed an ID Theft Report with the FCC. The file number is XXXX. I believe the ID Theft happened when I installed malware unknowingly around XX/XX/XXXX on my main computer. I request that this account be removed from my Credit Report effective immediately and for any adverse information to be removed. I also request any inquiries that resulted in this account to also be removed, if not done so already. I also request any of my personal information be removed from XXXX XXXX 's system and for any collection efforts to cease immediately. I have attached a copy of the ID Theft Report to this complaint for the company 's review.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THE LIST OF ACCOUNTS BELOW HJAVE VIOLATED MMY FEDERALLY PROTECYED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681. 
XXXX  XXXX, XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX HAS VOILATED MY RIGHTS. 15 U.S.C. 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C.1681 SECTOIN 604 A SECTION 2 IT ALSO STATES THAT A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 OR CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY ONFORMATION REL ; ATED TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.
Product: Credit reporting or other personal consumer reports

I am sending this complaint to convey my profound dissatisfaction with the continued presence of a fraudulent account on my credit report. Upon reporting the identity theft incident, I promptly reached out to the company linked to this fraudulent account. While they acknowledged the validity of the report, they stated their inability to furnish records. However, they assured me that upon submission of the necessary FTC report, the fraudulent account would be expeditiously removed. 

XXXX XXXX
Product: Debt collection

Frequent messages from Vital Recovery Debt Services ( XXXX ) made to my cell phone asking me to get in touch with them. I have no outstanding debts of concern. We are financially solvent. I suspect this was a phishing call.
Product: Credit reporting or other personal consumer reports

Recently I reviewed my credit report and noticed incorrect and inaccurate information causing tremendous damage to my credit file.
Product: Checking or savings account

Approximately 20 days ago, I received a call from a Charles Schwab employee who informed me that my account details had been compromised, and someone from Florida had unauthorized access to my user ID and password. I work as a resident physician and I was in the ICU taking care of patients, So I asked the Charles Schwab employee to lock my account and requested a call back in the evening for guidance on changing my user ID and password. Unfortunately, I did not receive the promised call that evening.

The following day, the same employee contacted me from his personal number and sent me a few one-time passwords ( through the official Charles Schwab number ) to change my user ID. We successfully changed it. However, ten days later, on XX/XX/XXXX, I noticed a {$2.00} charge on my debit card with no accompanying notification. Another incident occurred on XX/XX/XXXX, where {$57.00} was charged by XXXX for a XXXX order placed by someone in XXXX XXXX. Surprisingly, I received no alerts from my bank about these transactions. It wasn't until XX/XX/XXXX, when a {$60.00} charge for an order from XXXX triggered a notification from XXXX, that I discovered the series of fraudulent transactions. 

Immediately, I called XXXX, questioning why I hadn't received notifications for the earlier transactions. They had no answers. XXXX promptly blocked my debit card and offered to issue a new one, which I declined, expressing my intention to sever ties with XXXX. I also requested them to block my online access, having already changed my account user ID. 

On XX/XX/XXXX, when my biweekly paycheck arrived, I asked XXXX to unlock my account so I could transfer funds to my XXXX account for rent payment. Before unlocking, I conducted a comprehensive system scan with my XXXX XXXX to ensure no security threats. After changing my password, XXXX granted access. Unfortunately, within XXXX minutes of unlocking, all my funds were transferred to an unknown XXXX account through nine different transactions, totaling {$2500.00}. Astonishingly, I only received a notification from XXXX about the ninth transaction, indicating a {$150.00} transfer. 

Frantically, I contacted XXXX again, informing them of the {$150.00} and only later discovering the {$2500.00} theft. When I questioned XXXX about the lack of timely transaction notifications, they had no satisfactory answers. Their response was that the investigator team had been notified, and a resolution could take up to 90 days. 

As a resident physician living paycheck to paycheck, I emphasized the urgency of my situation, especially with rent due on XX/XX/XXXX. However, XXXX 's response was disheartening, stating they had no control over the investigator team 's timeline. Managing my bills with a {$2500.00} loss on a $ XXXX  monthly income has become an immense challenge. I dont know how are they expecting me to manage my bills.
Product: Credit card

I received a phone call from Capitol One ( XXXX ) stating that someone tried to open a credit card in my name. I told them I never authorized this. They transferred me to the CFPB & I spoke to someone giving me a spiel about how I was being overcharged interest. I never gave them any info. I told them I had to set the phone down & when I came back they had hung up. I spoke to XXXX people in total & they were all very hard to understand, either XXXX XXXX. I then called the real CFPB & the very nice agent told me it was a scam. She gave me the XXXX XXXX XXXX numbers & I put an initial fraud alert on my accounts.
Product: Debt collection

I contacted all three credit bureaus to dispute a collection stating that the debt was not valid from XXXX XXXX services ( they filed it this month but the original account was in 2016, they also state that the debt was for {$740.00} ) I also contacted the original creator who also confirmed my claim by saying no record exists of any outstanding amount from a previous account of that amount! XXXX did their investigation and found my information to be correct and removed the discrepancy from my credit record but Equifax did not, they claimed that it was verified but not by the original creditor ( XXXX Bank ) instead they never cross-referenced the information with the original creditor, and the collection agency to insure that the information they were reporting as delinquent was correct! My complaint is this : The credit reporting agencies play a big role in the viability of a person 's life and they should do the task of an investigation wholeheartedly and always as complete and thorough as possible when short-cuts are taken the impact on a consumer could be severe and unmitigated! Equifax claims this is how they do disputes they do not check the information with the original creditor just the current reporting entity which is a disservice to anyone who files a dispute against a second or third party! They must do a complete and thorough investigation regarding all viable parties to ascertain the viability of all such claims!
Product: Debt collection

I have been dealing with horrible collection practices from  Monterey Financial  services and their harassing practices. they have been threatening to send it to review for collections which would add an additional 35 % to my bill i tried to explain today  XXXX / XXXX / 2017  at  XXXX   XXXX  i received the call from the company he was very harassing and was bullying me to the extent of making me feel uncomfortable he kept interrupting me and demanding information as to what the personal matter was as to why I 'm filing for ch.  XXXX  bankruptcy the personal matter was none of his business but kept trying to bully me into giving him the information. this was so unprofessional and i refuse to be bullied by this company any further.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has the wrong telephone number, inaccurate accounts, and possibly other inaccurate information under my name. I have tried to log into my account on my.equifax.com account multiple times and it won't let me log in. I have inaccurate accounts that I have disputed, but I had to call their customer service line to dispute it.
Product: Mortgage

Went to Chase bank for a refi. Only Bc of divorce and I need it out of my ex 's name. I only owe 14 years. The original loan was XXXX. I only wanted to refi the balance of XXXX. For 15 years. They took my XXXX. I gave them all the info requested. I have a credit score of XXXX/XXXX. They then need me to come in an sign a letter the mortgage person typed up. Stating that I live in my Condo. Bc I recently married. They had my husband fill out papers as cosigned when I do n't need it. They then asked for a 3 way call with my bank, I was 3 months ahead on my home loan in XXXX. Then they did it again fot a XXXX balance on my XXXX card. Then they had my husband do the same with his bank. Then they call us and make a offer for a higher interest rate then what we agreed on. A whole percent higher. Said they did n't believe I lived there. I said go there my clothes are there ask the management company. They refused and called me a liar. In fact she hung up on me. So I am out of the {$410.00} for the Loan. I can payoff the loan we have in money markets. But the unscubluous practice of Chase bank taking money and then changing the terms to get a higher rate is wrong and should be address. After thinking about it one day I went down to the front desk and asked our security do you keep records of my fob to get in and out of the building he said yes but he did n't know how far back it went. He went back to XXXX 2014. It shows every time I enter or left the building. He printed me a copy of my entrance and exits. I took them to my local bank and showed her and she said she would have the local manager call me. I got nothing from them. I called and left messages with the state of Fla area XXXX XXXX. He never returned my call. I would n't want a loan from them now if they gave it to me. I removed XXXX from my accounts there. And put it in my XXXX credit union. But I feel I should get my {$410.00}. They sent us through all kinds of unnecessary info and we provided it. We did on our end everything and was turned down. Chase should be penalized for taking people money. Yes make it know to everyone do not use Chase to do a refi or get a loan. Please feel free to call me. XXXX typed the letter at the bank and had us sign it. I have XXXX other investment properties that are rented out and I understand about investment and I put my XXXX % down years ago. Why would I rent out my home downtown where I love? Either way property appraiser has already dropped by and inspected for himself. I have his card. Which I told them about the unannounced inspection.
Product: Checking or savings account

USAA closed my savings and checking account with no warning. I logged in this morning XX/XX/2021 to pay a bill online and my account was unavailable and it would not let me pay any online bills. I thought it was a glitch, so I logged in in the afternoon to see if the glitch was cleared and noticed my savings account had disappeared. I called USAA and spoke to a representative who told me it was a business decision but could not tell me why the business decision was made. The representative transferred me to a dispute department, who transferred me to someone else, who transferred me to a specialist. All I received was that there was a letter mailed out that I did not receive. All my communications with USAA has been electronically so getting a letter is not something I would expect for closing my account. No emails, No electronic online posting in my notices, and no phone call to warn me... .just a letter ( which I still have not found ). This is completely unacceptable and I will never recommend USAA to anyone again. So now I am out XXXX and have to wait XXXX to XXXX  days to get my check for my checking and savings account to pay my mortgage, stop all my direct deposits, and update all my information that had automatic payments. Thanks USAA, this is what XXXX years of service gets you. There should be better notification practice and business decision with no other explanation is complete failure. The crazy thing about it all is that I had mortgage insurance and auto insurance under USAA which was automatically taken out of the account and was never late ( probably will be now since I have to wait for my check XXXX to XXXX days. I guess that it will be late now, and that is now even now up in the air .....
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding an issue with the reporting of my XXXX credit card account in my credit report. The debt for this account was charged off and subsequently sold to XXXX XXXX Solutions. I paid the debt in full, and XXXX XXXX XXXX confirmed in writing that they would not furnish this information to the credit bureaus. 

Despite this, XXXX is still furnishing inaccurate information on my credit report, listing the account as a " paid charge off. '' I have disputed this information multiple times with both XXXX and the credit bureaus, but the issue has not been resolved. 

XXXX is in violation of the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C

. 1681s-2 ( a ) ( 1 ) ( A ) : Prohibiting furnishers from reporting information they know or have reasonable cause to believe is inaccurate.

15 U.S.C. 1681s-2 ( b ) : Requiring furnishers to investigate disputed information and report the results to the credit reporting agencies. 

Also XXXX sold the debt to the debt collector who was not even licensed to collect that debt in the state of Nebraska. Which is another FCRA and FDCPA violation. 

I request that the Consumer Financial Protection Bureau investigate this matter and ensure that the inaccurate XXXX account is removed from my credit report permanently. Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX XXXX ; XXXX XXXX XXXX ;