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

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

US Bankruptcy CourtMiami XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX : ( XXXX ) XXXX Case or ID # XXXX Disposition DISMISSED Bankruptcy Filed Date Filed XX/XX/2014 I have contacted the court and verified they do not provide any information to the credit bureaus. It is the credit bureaus responsibility to DIRECTLY verify this information. This has not taken place. Verification by XXXX is not appropriate.
Product: Checking or savings account

XX/XX/2024 Filed initial report disputing unauthorized charges/electronic funds transfers at Truist Bank 's XXXXXXXX XXXX XXXX NC branch in the amount of {$5900.00}. The teller would not include transactions more than 45 days old. 

XX/XX/2024 I received a letter from Trust informing me that they had denied {$3100.00} of my claim. They issued a provisional credit for {$2800.00}. 

XX/XX/2024 I met with branch manager at which time he filed an addendum dispute claim in the amount of {$4700.00}, all for unauthorized charges/transfers. 
I'm waiting for a reply currently.
Product: Credit reporting or other personal consumer reports

I am reaching out to XXXX regarding a late payment on my credit report. 
As a consumer, I am made aware that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. With this being said, please show proof where my periodic statement was sent regarding one late payments. If a periodic statement can not be sent showing where these late payments occurred, please do your due diligence to update these one late payments. They are only affecting my financial reputation but also causing financial harm to myself. 

Account XXXX XXXX XXXXXXXX Last 4 digit of SSN : XXXX
Product: Student loan

I was approved for the XXXX $ repayment based on income. Both my student loan companies are charging more interest than I believe should be charged. I am unemployed at this time. Navient is not looking to help and I had to go through the actually student financial government website to find the help that I need. Even with XXXX I had to do the same tjhing. I wish instead of putting people further behind when it comes to repayment they would help people.
Product: Money transfer, virtual currency, or money service

Binance.us has continuously ignored my attempts to verify my account so I can withdraw my funds. Thousands of other users are experiencing the same situation. I have over {$80000.00} in current portfolio value but am unable to sell or withdraw my funds because the XXXX verification is not being approved. It has been over 2 months and no action has been taken despite multiple attempts to contact customer service. 

The company is fraudulent and holding my and thousands of other users funds hostage.

Action must be taken.
Product: Credit reporting or other personal consumer reports

the vehicles transmission went out XXXX XXXX refused to fix or honor the warranty on the vehicle so payment was stopped until an agreement could be reached but they still reported delinquent payments on the vehicle, we did reach an agreement on the vehicle and settled the account but they reported it as a charge off settled for less then the amount owed and reported over a year of delinquent payment i have requested that the account be either changed or removed and they refused to do so i have disputed this several time and they still wont remove it, it has gotten to the point that the way it is reported it has stopped me from finding home loans and been turned down for other credit for cars and personnel loans as well, i am asking for your help in repairing this situation as soon as possible, this is a personnel attack on my financial life and well being
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputes were submitted on XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX and XX/XX/XXXX to Equifax, XXXX XXXX and to XXXX. The lack of communication these agencies give is utterly ridiculous. As a consumer, it is my right to dispute inaccuracies on my credit files, in which I have. However, these agencies have violated the Fair Credit Act by not responding to my concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  identity program called XXXX emailed me on XXXX to inform me that a company called CREDCO XXXX XXXX XXXX XXXX XXXX, CA XXXX Requested access to my XXXX credit report. I have a freeze on this report so access was denied. But I have never used this company for credit and dont recognize the inquiry. It seems fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Someone stole my personal information and identity, has been impersonating me for over 30 years opening fraudulent and unauthorized credit card accounts in my name. I been receiving harassing phone calls and death threats regarding the fraudulent and unauthorized credit card and collection accounts and student loan account. The following credit card and collection accounts, hard inquiries and public records are fraudulent and unauthorized : XXXX XXXX XXXX, XX/XX/XXXX, {$2800.00} XXXX XXXX XXXX, XXXX/XXXX/XXXX, {$14000.00}, XXXX XXXX, XX/XX/XXXX, {$5000.00}, XXXX XXXX, XX/XX/XXXX, {$8400.00}, XXXX XXXX, XX/XX/XXXX, {$5900.00}, XXXX XXXX XXXX, XX/XX/XXXX, {$7300.00}, XXXX XXXX XXXXXXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, {$290.00}, XXXX XXXX XXXX, XX/XX/XXXX, {$25.00}, XXXX XXXX XXXX XXXX, {$390.00}
Product: Consumer Loan

Received mail solicitation for personal loan. I submitted loan application online and uploaded paystub and verification of ID over a month ago. I have yet to receive an answer. When I call for status, they keep telling me that my loan is in underwriting and in the final stage. I feel as if I am being strung along. I have been told that they do not need any additional information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I declared bankruptcy in 2010. among the accounts discharged was a credit card account issued by XXXX XXXX XXXX XXXX , for $ XXXX and a loan consolidation for $ XXXX, prior to which had no late payments or negativity associated with the debts. Shortly after I disputed with Experian, to remove the false late payment information reported by the credit union, and they removed them. Still the credit union, now named XXXX XXXX XXXX, reports an open credit card account for {$7500.00}. that is raising my credit to debt ratio, nice for my score, but makes obtaining new credit more difficult, as my income remains the same and there is a threshold to how much credit lenders can offer. This caused me to lose a huge opportunity when my state issued me a permit and I couldn't fund the final requirements for start-up. I have disputed many times and it is always verified by the creditor as a correct reporting. 
When contacting the credit union, I am met with a direct connection to a certain manager, whom had also transitioned to XXXX XXXX XXXX. In our brief conversations I am met with accusations of thievery and inconsolable latent hostility. They added {$2500.00} to my credit limit after my bankruptcy and wont let me close the account. I even want as far as contacting the credit card fraud department and they could not help me because the account does not exist
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Report # XXXX XX/XX/18 Experian has not updated m several accounts as paid listed as paid on time or nothing since XX/XX/2018 XXXX XXXX account ending in last 4-XXXX XXXX XXXX XXXX XXXX account last 4- XXXX/ XXXX XXXX XXXX account last 4-XXXX  XXXX XXXX   account -XXXX XXXX XXXX XXXX XXXX last 4- XXXX   XXXX XXXX XXXX last 4- XXXX I call all of these accounts and was told that they report for the month so that means Experian is not updating credit reports as they state there doing month to month.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I have two late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I have attached a copy of my report to this complaint on the following date XX/XX/2024. I am now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report in XX/XX/2018, I noticed inquires and a XXXX XXXX account on my report. I did not authorize for anyone to run my report for the inquiries were made without my permission. Also i did not apply for a XXXXXXXX XXXX card, nor did i authorize for anyone to apply for that. I ask that Experian, XXXX, and XXXXn investigate to verify the inquiries and account listed on my credit report. 

I ask that they summit written documents with my signed signature, credit cards and debit card bill statements showing that i payed for this. Fair credit act law states that a creditor must have signed, written documents to even run my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the Clerk of Court in XXXX, La. to see if Transunion attempted to validate my complaint that my file indeed was filled with erroneous information. I was told by the officer of the court that they DO NOT validate bankruptcy information. So again Transunion say they have investigated and updated my files that they are reporting to be accurate, this ca n't be possible. Are they able to just lie and get away with that and steadily do harm to ones credit?
Product: Credit reporting or other personal consumer reports

XXXX is not removing accounts items that was open in XXXX & XXXX due to fraud. Some account was open over 7 years ago. XXXX is stating from the last payment activity on my that's when the accounts will be removed. That is not Federal Law. Federal Law says account should be removed from the 7 years of account opening. And these accounts listed in the FTC report that was submitted to all 3 of the Credit Reporting Agencies..
Product: Payday loan, title loan, or personal loan

I signed for a loan with upstart loan and never received the {$10000.00}. Now I have a pending monthly payment of {$280.00} is due next month. I reached out to the company no answer or contact.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX Balance : {$39000.00} XXXX XXXX XXXX XXXX Balance {$7300.00}
Product: Checking or savings account

One of the debit cards on our Chase account was lost and the person who took it did fraudulent things, deposited 5 IRS checks in an ATM in Florida, these checks were from 5 different people and cashed to the bank, making online transactions, without us knowing, this happened on XX/XX/XXXX, we did not do anything about that theft, and Chase blamed us by closing the accounts and has withheld the funds we had in the other accounts. The account that was affected was that of my minor son, being a card used for his work since he only gets his salary there and it was covered by his parents.
Product: Credit card or prepaid card

This is a follow up to complaint # XXXX that I filed earlier today. 

I reported 2 credit card transactions from XXXX XX/XX/2021 as fraudulent ( {$3000.00} & {$2000.00} ). But because of the nature of the transactions ( unauthorised 'ACH payment refunds ' ), Bank of America 's Existing Fraud Department informed me that they need to file a 'manual " report which could take days or weeks, then they'll investigate, which could take weeks or months, and I might not even get my money back. 

In the mean time, because the 2 fraudulent refunds equalled the amount of the legitimate {$5000.00} credit card payment I made 6 XX/XX/2021, Bank of America says that I still owe a minimum payment ( {$150.00} ) this month in order to keep my account from accruing late fees. Except I already paid my bill this month, and I have my XXXX bank statement to prove it. They're the ones who allowed XXXX giant fraudulent transactions to occur. They neglected to notify me of suspicious activity, even though I've never before authorised similar transactions on my account. And they are now attempting to extort me into paying an extra {$150.00} this month to rectify a problem that they created. 

This is my primary business & travel card. I don't have the luxury of waiting around for months for a refund, and it's illogical that I should be held accountable for additional late fees or expenses that accrue while the fraud department investigates. 

I spent over 4 hours on the phone today being transferred continually between Customer Service & the Fraud department. Fraud says they can't investigate until the claim is processed & Customer Service says they can't do anything about the required minimum payment unless Fraud authorises it, except Fraud says they don't have control over payment authorisations. 

Bank of America needs to take responsibility for their incompetence & refund my money, and the person responsible for authorising the 'ACH payment refunds ' needs to fired.
Product: Credit card

XXXX : Unlawful Account Access Change and Unresolved Credit Card Payment Issues- First Interstate Bank XXXX XXXX XXXX CFPB, ** I am filing a formal complaint against First Interstate Bank XXXX XXXX XXXX and their third-party collaborators regarding my credit card account management. 

In XXXX of this year, I applied for a credit card through First Interstate Bank, which was advertised with a specific credit limit. The approval process took significantly longer than expected and involved repeated instances of what I believe to be discriminatory practices. After a delay, the credit card was finally approved. 

However, shortly after the card was issued, my ability to access the account and make payments was compromised. Specifically, my account information ( including access credentials ) was changed without my knowledge or consent. As a result, I have been unable to make payments on the account since then. 

I contacted First Interstate Bank multiple times regarding this issue, beginning in XXXX, and made them fully aware of the unauthorized change. Despite my numerous attempts to resolve the issue, it has now been over four months, and no investigation, action, or communication has been initiated by First Interstate Bank to rectify the problem. 

During this period, fees related to the inability to access my payment schedule have continued to accumulate. XXXX XXXX has attempted to draw funds from my account to cover these fees, resulting in multiple failed payment attempts and subsequent overdraft fees. These overdraft fees have compounded the financial damage caused by the bank 's failure to resolve the access issue. 

I have also brought these overdraft fees and unauthorized actions to the attention of my banker at XXXX XXXX, yet no steps have been taken to address them. 

I am requesting an immediate investigation into XXXX XXXX Banks and Mastercards practices in this situation, and I am seeking full restitution for the overdraft fees and any other charges that have accrued as a result of my inability to access and manage my credit account. 

I would appreciate your prompt attention to this matter, and can forward any emails needed to confirm these findings. 

**Sincerely, ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Wy, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I sent money through Western Union ( Transaction XXXX ) to someone named XXXX XXXX and attached a security question to the transaction, a question that the receiver is supposed to answer in order to get the money. Western Union internally changed the security question and answer and released the money and the name to XXXX XXXX without my permission or knowledge. I am attaching a copy of the text I received that shows a different name. Western Union is helping scammers.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX never told me about the Public Service Loan Forgiveness Program. I am a XXXX   and would have been eligible to pay off my student loans in XX/XX/XXXX. In XX/XX/XXXX of last year I would have had 10 years of payments. Instead XXXX kept advising me to put my loan into forbearance. In XX/XX/XXXX I worked with a private company to reduce my loans. They helped sign me up for the income based repayment plan and to consolidate my loans to reduce payment ( I could have done this ALL through XXXX if they had informed me of these programs ). I was told by the private company to keep paying on my loans and that I could apply for the student loan forgiveness program in XX/XX/XXXX when payments would equal the 10 years of repayment-they were the ones that told me about this program NOT XXXX!!! When I applied in XX/XX/XXXX for this forgiveness, I was told that I didn't qualify because my loan was now considered a " new loan '' ( because I had consolidated them in XX/XX/XXXX ) and that I would have to continue to make payments for ANOTHER 8 YEARS!!! My loans are currently being serviced by " XXXX XXXX '' and they also have informed me of my " new loan '' status. This has created a terrible hardship for my family and I. A loan that should have been forgiven last year won't be forgiven for another 7 years because of XXXX not informing me of these federal programs and steering me into the wrong direction. Pleas help me to know what to do. Can this be reversed? Can they be forgiven because of the withholding of information? I have XXXX for 15 years as a XXXX XXXX, worked hard to provide for my family and am being punished for lack of customer support and help ... Please let me know. Thanks so much for your time.
Product: Credit reporting or other personal consumer reports

my name is XXXX XXXX, and i am from XXXX, i was a XXXX XXXX XXXX XXXX, and while i was a XXXX  of the XXXX  my identity was being obtained, i am filing for section 605c in regaurds to support my clAIM in this matter.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am writing to formally complaint about TRANSUNION 's handling of fraudulent information on my credit report, which I believe is in violation of the Fair Credit Reporting Act ( FCRA ). I found a collection account on my TRANSUNION credit report that I did not open or authorize. The details of the fraudulent account are as follows : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account is a result of identity theft, as I have no association with it. Despite filing a dispute with TRANSUNION, this fraudulent entry remains unresolved. Under the FCRA, specifically 15 U.S.C. 1681i, TRANSUNION is required to investigate disputes promptly and ensure the accuracy of information reported, which they have failed to do in this instance.

Furthermore, 15 U.S.C. 1681c-2 mandates that a consumer reporting agency must take steps to prevent the inclusion of fraudulent information in a credit report. I have also provided a copy of my FTC Identity Theft Report with the report number XXXX and other relevant documentation to TRANSUNION.