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

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX TXXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX -- Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXXDate XXXX XXXX XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX  XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX my credit Account # XXXX XXXX XXXX XXXX is XXXX on my credit Account # XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX XXXX   is fraudulent on my XXXX Account XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX  is fraudulent on my credit Account XXXX XXXX XXXXXXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account XXXX XXXX XXXX is fraudulent on my credit Account # XXXX
Product: Credit card

I opened an XXXXXXXX XXXX credit card account and it was approved, but upon the arrival of the card, I could not activate it, nor could I log in online. They required faxing of documents like SSN card which I needed to get replaced and could not send in. Also I did not have access to a fax and it was very troublesome dealing with them over the phone and they did'nt provide any other methods of verification such as online or email. I tried to close the account since I could not use it, but I have been charged an annual fee. I can not access my account online either and my account has been called delinquent despite never being able to use it or access my account, and not being able to close it.
Product: Credit card or prepaid card

I received XXXX Chase credit card with annual membership fee of {$450.00}. The card was stolen from my purse ( perhaps work of my house cleaners ) and fraudulently charged. I reported to Chase Credit Card Fraud department immediately, after investigating the incident Chase credited my account back and closed the Credit Card. However, the membership fee was never credited and up until today Chase is showing that I still owe membership fee plus late charges of {$490.00}, on the closed account. Chase has reported to credit bureaus over 60- days late and damaged my 20 plus years of credit history with no late ever reported ....

I have made several attempts to resolve this issue directly with Chase Credit Card customer service and their billing department and so far every agent that I have spoke with gave me run-a-round and promising answer - but with not resolution to resolve the issue. My problem is to understand - why I have to be responsible for membership fee if I never used the card, never. Chase bank closed the account after the fraud resolution, but they are still making me responsible for membership fee on the closed card.

I am asking for help in resolving this matter, to fully credit my credit card balance on Account Number : XXXX XXXX XXXX XXXX, and report the credit bureaus to correct the reported late payments on this card ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I have come to the realization that even though I am a tax-paying consumer in the United States of America, my rights under the FCRA and the Constitution are constantly being pushed aside for profit. I have submitted disputes to the 3 major credit bureaus ( XXXX, Equifax, XXXX ), as well as the secondary companies XXXX  and others. I know that under the FCRA, they are to properly and THOROUGHLY investigate any and all disputes. This does not include that these companies use XXXX, or defer to XXXX or PACER as a primary means of verification. But time after time, I am given the same answers, and it is not accurate. XXXX actually posted inaccurate information on this very site! I am disupting a bankruptcy in California, yet they say they are investigating in XXXX XXXX, Florida!! I am demanding that these companies PROVIDE ME WITH TANGIBLE EVIDENCE of their verification, not just saying they verified with XXXX or XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX # XXXX This is inaccurate information on my credit report. They have this as a Charge-off ; however, it still has a balance on the account. Charge-off should not have a balance. Also, I should have received a 1099-C for this account which will make this a transaction that should not be placed my report per federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  X/XX/17   , I requested  XXXX  &  XXXX  to validated accounts on my credit report and received response on  XX/XX/2017    from  XXXX  and on  XX/XX/2017    from  XXXX  that accounts where verified but was not provided any documentation as to how these accounts where verified.     Also  XXXX   XX/XX/2017    report - on  X/XX/17    I requested that the status be updated on all of my student loans including late payments because my account was in forbearance and dates where not accurate. There is also duplications of my student loans on my report and they have refused to address that issue. I have attached a copy pf my letter that was sent to them
Product: Credit reporting

I pulled my credit report and saw that I had a collection account. I have never received a bill from the hospital and have never once been contacted by the hospital or by the collection agency that has since taken over the debt.
Product: Debt collection

To whom it may concern I sent in a debt validation letter on XX/XX/18 to both XXXX  and XXXX  and they are still reporting these items of Dept of education/Nelnet which doesn't belong to me at all..This is affecting my credit score terribly. I plan to purchase a home this year and I will never be a homeowner at this point with inaccurate information on my credit reports..According to the FCRA rules, FCRA 823 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate and respond, the CRA must delete the disputed information from its files. I am submitting this complaint due to the lack of investigation and my original dispute of inaccurate information that does not belong to me. I did not sign for anything, This is unfair practices by a credit reporting agency with no concern for the creditworthiness of a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

UNATHORIZED CLOSED ACCTS REPORTING ON CREDIT FILE. 
ACCTOUNTS DO NOT BELONG TO ME NEVER DID BUSINESS WITH BANKS
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters out via first class mail with tracking on XXXX and XXXX. According to the FCRA, the Companies are to update the status of my accounts as ( in dispute/ dispute in progress ). I have not heard anything from none of the bureaus ( XXXX, XXXX, TRANSUNION ). These Companies have failed to acknowledge my letters in which I have pointed out violations and innacuracies that MUST be deleted due to my federal rights under the FCRA. I have also verified my identity, proof of address and attatched a current utility bill to ALL letters. If these violated accounts are not removed according to the violation code included in each dispute letter, the bureau MUST provide physical evidence as to who, what, when, where and why they are Verified as CORRECT. 
according to 15 US code 1681b- permissible purposes of consumer reports, states that ONLY IN WHICH I GIVE WRITTEN PERMISSION/INSTRUCTION TO REPORT AN ACCOUNT ON MY CREDIT PROFILE, AND ONLY IF I PERMIT, THAT THESE ACCOUNTS WOULD FOLLOW FEDERAL GUIDLINES UNDER THE FCRA. These Companies have failed to comply to my request and if they do not respond in reasonable timing to my request, this WILL turn into a federal complaint, lawsuit.
Product: Money transfer, virtual currency, or money service

I cant link my PNC account to XXXX.
Product: Credit reporting

TransUnion had a glitch in their system that violated the rights of their consumers under section XXXX. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries listed below be removed. 
XXXX XXXX, 2015 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX, 2015 XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX, 2015 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX XXXX XXXX, 2015 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX, 2015 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX XXXX XXXX, 2015 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX, 2015 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX, 2015 XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX, 2015 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX XXXX XXXX, 2015 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX, 2015 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX, 2015 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX, 2015 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX, 2015 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX, 2015 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX, 2015 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX, 2015 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX, 2015 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the misleading information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2022, but no response was ever received from them to date. I feel like I'm being taken advantage of and ignored. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please DELETE the accounts below XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX I spoke to a supervisor and he agreed to give me a receipt of my settlement and it never came. I have settled with XXXX  and they have been unfairly coutinuing to report my account as charged off even after its been settled
Product: Money transfer, virtual currency, or money service

I received and email that my PayPal account was charged XXXX Euros which is approximately equivalent to {$3000.00} XXXX on Saturday XX/XX/2021. I Contacted PayPal customer service immediately and disputed the charges, which at that point they said they will investigate and let me know. Few days later I got a notice that the case is closed in favor of the seller. I've reopped the case several times and spoke with several supervisor, PayPal keep saying this is a legit charge and there is nothing that can be done.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX5 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, credit repair services, or other personal consumer reports

After several attempts to have inquiries, collection accounts and a bankruptcy removed from my credit file I did some further research regarding my Equifax credit file and find that my personal information was breached.
Product: Checking or savings account

I lost my debit card on XX/XX/26. I called capital one once I noticed amount of un regonized charges to dispute them in 24 hours they not only denied my disputes. Once I submitted the police report they then closed my account no one has reached out to me as stated in previous complaints. Now the account is overdrawn and my XXXX is stuck in savings and over XXXX in my money lost because capital one wants to give me an extermely hard time
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a car lease with Kia Financial Services. At no point did I consent for, agree to or ask that Hyundai Financial Services pull my credit report. 

I was never told that applying for a car lease with Kia Financial Services would result in an inquiry from Hyundai Financial Services. This practice is misleading and damages ones credit standing. 

I am requesting a permissible purpose audit for Hyundai Financial services to provide me with a signed application giving them consent to access my consumer credit report. If you can't provide a signed application granting Hyundai Financial Services permission to access my credit file, please provide me with a letter of deletion so that I can have this unauthorized inquiry removed from my XXXX credit file immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Reported to the credit bureau that I owed them {$16.00} XXXX was unable to secure housing for me and family due to their careless error. I paid the {$16.00} only to receive a check months after for {$1000.00} showing where XXXX XXXX XXXX XXXX owed me. 
The mistake has caused me to receive higher interest rates including some denials.
Product: Credit reporting or other personal consumer reports

Ive been a victim of identity theft The accounts & negative items that are a result of identity theft are Listed in the ftc report Enclosed along with a police report
Product: Credit card

Last month I filed a dispute with XXXX against XXXX synchrony bank complaining my account balance was wrong. XXXX punished me by DECREASING my credit limit from {$700.00} to {$500.00} with a letter saying its too high. XXXX ). Ive never missed a payment. XXXX ). Ive never signed an agreement with XXXX saying Id never go over {$500.00} with a {$700.00} credit limit. 

I pay my bill every month on time this is how XXXX punishes me and treats their paying customers. I only filed a dispute because its my right and the balance was wrong. XXXX waits until its time to report to the credit bureau then drops my credit limit to {$500.00} causing my account to now be over the new decreased {$500.00} limit from {$700.00}. Now hurting my credit score. This is unprofessional outright wrong to punish me for paying my bill on time every time.
Product: Debt collection

There's a collection showing on my credit in the amount of {$2500.00} and original creditor was XXXX XXXX. The collection company is receivables Performance who were rude and not helpful when I called. My name is common and I have never had an account with XXXX which they acknowledge. The collection agency won't listen to me and aren't willing to investigate it with XXXX, they just want their money. I don't owe this money and I really am upset because this is ruining my credit. I disputed through the bureaus and they haven't responded so I am hoping that your institution will take action in my defense. 

Thanks XXXX XXXX XXXX
Product: Checking or savings account

I am writing to file a formal complaint against Navy Federal Credit Union for their negligence and refusal to reimburse me for fraudulent charges made on my account. 

On XX/XX/2023, I discovered that my debit card had been stolen and used to withdraw {$5000.00} from my account without my authorization. I immediately contacted the police and filed a report. I also contacted Navy Federal Credit Union to report the fraudulent activity and requested a refund of the stolen funds. 

Despite providing evidence of the theft, including the police report and the conviction of the individual responsible, Navy Federal Credit Union has refused to reimburse me for the stolen funds. I have been fighting this issue for a few months, and as a result, I have lost my house, my car, and custody of my children. I've been suffering from XXXX XXXXXXXX and still have not been able to recover. Navy Federal Credit Union have ruined my life my kids meant the world to me and now they are gone and thus situation has made me homeless and I no longer volunteer at the XXXX XXXX  which I loved Furthermore, Navy Federal Credit Union is also refusing to provide me with copies of the dispute documents, which I need to gather evidence for the lawsuit I am planning to pursue against them. This lack of cooperation is hindering my ability to seek justice and recover the funds that were wrongfully taken from me. 

I have been struggling to find an attorney willing to take on my case due to the complexity and the lack of cooperation from Navy Federal Credit Union. Their actions have destroyed my life, and I am feeling hopeless and desperate for a resolution. 

I am seeking your urgent intervention in this matter to ensure that Navy Federal Credit Union is held accountable for their actions and that I receive the reimbursement that I am rightfully owed. I implore you to investigate this issue thoroughly and take appropriate action to address the bank 's negligence in protecting my account and their refusal to provide crucial documents for my case. 

Thank you for your attention to this urgent matter. I greatly appreciate any assistance you can provide in helping me seek justice against Navy Federal Credit Union.
Product: Credit reporting or other personal consumer reports

For the last few years, my personal information has been leaked from several corporations, which they called a data breach. Lately, someone has stolen my personal info and used it for their personal gain. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to ensure the 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 ensure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please update my telephone number to : XXXX Unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>