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

Trans Union is reporting items on the credit report that are incorrect. I have made numerous attempts to correct this matter with them. Sent via unites States Registered Mail RF XXXX XXXX XXXX US To Whom It may Concern : Social Security number ends in XXXX email : XXXX Pursuant to 15 USC 1681 a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card under 15USC 1681 is the same as it is under 15USC 1602 ( I ) which is " the term '' credit card '' means any card, plate, coupon book or other credit device existing for the purpose obtaining, money, property, labor or services on credit. '' Notice, Congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant to 15 USC 1681 a ( 2 ) ( B ). I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 Chapter 41. The accounts they are reporting that need to be deleted permanently/removed permanently are as follows : Account holder not the borrower, XXXX XXXX Account # XXXX, Account holder not the borrower US BK XXXX  Account # XXXX, Account holder not the borrower XXXX XXXX XXXX Account # XXXX Account holder not the borrower XXXX Account # XXXX, Account holder not the borrower XXXX Account # XXXX, Account holder not the borrower XXXX XXXX Account # XXXX, Account holder not the borrower XXXX XXXX  Account # XXXX, Account holder not the borrower XXXX Account # XXXX, Account holder not the borrower XXXX  Account # XXXX, Account Holder Not the borrower XXXX Account # XXXX Account holder not the borrower XXXX  Account # XXXX, Account holder not the borrower XXXX Account # XXXX Account holder not the borrower XXXX Account # XXXX, Account holder not the borrower XXXX XXXX  Account # XXXX, Account holder not the borrower XXXX XXXX Account # XXXX, Account holder not the borrower XXXX Account # XXXX Account holder not the borrower XXXX XXXX Account XXXX XXXX, Account holder not the borrower XXXX Account # XXXX, Account holder not the borrower XXXX XXXX XXXX Account XXXX XXXX, Account holder not the borrower XXXX Account # XXXX
Product: Debt collection

I was in the process of getting a VA refinance on X/X/2017 to pay off bills that my wife and I have accumulated and I attempted to find out the true amount and negotiate to pay off in cash a lower amount than stated. Either the collection company Transworld Systems Inc. or the XXXX XXXX, has already garnished two IRS checks and has not given us credit for this amount it has garnished after repeated attempts to get a bill or statement stating what the true amount that is rightfully owed after the garnishments. Even though I tried to negotiate a payment for the true full amount because of this fact, they would not. The amounts supposedly owed to them have gone up by thousands of dollars each month. These are loan sharking tactics. When I called the company that I owed money to, they gave me a lower amount owed but when I contacted the collection company they are asking for XXXX or more dollars over what I actually owe. Trying just to talk to the collections company was an ordeal in itself. They referred me to different departments and in the end after trying to negotiate with a person named XXXX XXXX, he gave a number to call which was the same number that I first called, and wanted me to contact someone else using the same telephone number.
Product: Checking or savings account

refuses a mortgage because I filed it online claiming " not available for them- so no assistance '' yet company XXXX XXXX in 5 program in XXXX XXXX  area. switched my payment accounts without my authorization by coercion. repeatedly denies me my XXXX income in a reasonable timeframe-income which is verifiable and guaranteed. advertises 2 day early pay- easy home loans ... truth is company is worse than it was before the govt took action. Corporate said this wasnt WF- this was the old WF-apparenly nothing but the same shenanigans bofa has pulled in the past.
Product: Checking or savings account

I am filing this complaint due to Chases handling of unauthorized transactions made via XXXX from my account. The dispute process has not yielded a satisfactory outcome and appears to be inconsistent with the protections provided under the Electronic Funds Transfer Act ( EFTA ) and Regulation E.

The unauthorized transactions are detailed below : A transaction dated XX/XX/2023 for {$300.00}. 
A transaction dated XX/XX/2023 for {$320.00}. 
Two transactions dated XX/XX/2023, one for {$580.00} and another for {$1100.00}. 
The total amount disputed is {$2300.00}. 

Upon discovery of these transactions, I promptly reported them to Chase, categorically stating that I had not authorized these transfers. Contrary to my explicit denial of authorization, Chase concluded that the transactions were legitimate based on IP address and geolocation data matching my typical banking activity. 

I wish to highlight that this determination does not sufficiently rule out the possibility of fraudulent activity, where my personal banking information could have been compromised and used in a manner that mimics legitimate banking behavior. 

The nature and pattern of these transactions deviate significantly from my regular banking activities and, crucially, I have not received any benefit from these transactions, nor were they made with my knowledge or consent.

Chase 's decision not to credit my account for the disputed amount during their investigation is a matter of concern and suggests non-compliance with Regulation E, which stipulates that consumers should not bear the burden of unauthorized transactions once properly reported.

I urge the CFPB to facilitate a review of how Chase has handled this matter. Their response has been inadequate and dismissive of the substantial likelihood of fraudulent activity that has adversely affected my financial security.

I am prepared to furnish any additional information or documentation that may be required to substantiate my claim.

Thank you for your consideration and I anticipate a just and prompt resolution that upholds the consumer protection standards set forth by the EFTA and Regulation E.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am looking into buying a home pulled up my credit report and seen a fraudulent cell phone account XXXX XXXX  # XXXX I do not have a XXXX account for {$3300.00}. I have several unauthorized inquires for lenders I do not recognize. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX VIA   XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX DO VIA XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX VIA 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 : XXXX Account number : XXXX
Product: Credit reporting or other personal consumer reports

Experian has neglected its statutory duty under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable re-investigation of disputed information on my credit report, there by leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently initiated litigation against Experian, alleging systemic deficiencies, including the failure to forward consumer-provided evidence to furnishers, acceptance of unreliable responses, and inadequate notification of consumers regarding dispute outcomes. These shortcomings are consistent with my experience, where Experian has neither corrected nor removed disputed items despite the evidence l provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer. Attached files are 2 of many accounts that I have marked as inaccurate.
Product: Credit reporting or other personal consumer reports

These are the accounts i marked as inaccurate XXXX XXXX {$430.00} XXXX XXXX XXXX {$420.00} XXXX XXXX XXXXl {$5800.00} XXXX XXXX {$910.00}
Product: Checking or savings account

I was using my Wisely card by XXXX to withdraw {$300.00} at XXXX XXXX XXXX XXXX XXXX XXXX, ID on XX/XX/year> between XXXX and XXXX. I did not recieve the cash before the ATM retracted it back. I saw the cash go back into the atm so I know it was not taken. I immediately called XXXX XXXXXXXX first, they told me I needed to contact XXXX. I did so, and in stead of crediting the money back they opened a dispute and told me they were going to mail me a form I needed to fill out and submit by XX/XX/XXXX in order to get credit back. XX/XX/XXXX rolls around and I still don't have the mail. I call them and they tell me to email them. I do, and i get no confirmation email or anything that they had received it. I called the next day and they said there have been no updates to my dispute and to check back the next day. I am XXXX days away from the deadline or I am just out the {$300.00} and I feel as if I am being pushed aside and purposefully made money off of. I need my money.
Product: Credit card or prepaid card

On XX/XX/XXXX, XXXX XXXX XXXX XXXX immediately decreased my credit limit from {$5200.00} to {$4800.00} based on XXXX reporting a lower credit rating and provided notice after the fact ( " XX/XX/XXXX Credit Notification '' ). Subsequently, in a less than 12 month period, on XX/XX/XXXX, XXXX XXXX XXXX XXXX again decreased my credit limit from {$4800.00} to {$4400.00} based on XXXX reporting a lower credit rating ( " XX/XX/XXXX Credit Notification '' ). However, the credit rating listed in the XX/XX/XXXX Credit Notification was points higher than that listed in the XX/XX/XXXX Credit Notification. Between XX/XX/XXXX - XX/XX/XXXX, all payments were made on time without any late fees or penalties. The two credit limit decreases have had an overall negative effect on my credit score essentially dragging my credit score down even lower once the credit limit changes have been reported by XXXX XXXX. As a consumer, this is troubling that XXXX XXXX XXXX XXXX is able to employ this tactic especially when a credit score has improved since the last decrease in the credit limit. I spoke to XXXX with XXXX XXXX XXXX XXXX who not helpful and that it's XXXX 's policy and " nothing can be done. '' I have yet to see any language noted in the Credit User Agreement regarding periodic reviews of the credit account and decrease in credit limit related to changes in credit score reporting.
Product: Money transfer, virtual currency, or money service

Cash app account open and a gambling account scammed the account that logged into my bank account and debit cards my phone was stolen and cash refuses to do anything about the scammed money from gambling account but yet it's there policy to close and refund all money that's transferred through the gambling account over XXXX dollars was taken and I disputed it and made them aware they then came XXXX after I complained to the better business bureau about it with they sent and email asking for the phone that was used the account and I've literally already disputed the account with them and talked to there support I have no clue any information there asking the phone was stolen and the money is blatantly transferring out and apoun notifying them off this account after I got new phone with my phone number and found the account they unlinked the cards and accounts from it nothing more
Product: Credit reporting or other personal consumer reports

I have requested that these inquiries to be removed as these are not mine.
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Affidavit to report 5 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of Identity theft and fraud. These fraudulent accounts consist of a credit card account opened XXXX XXXX XXXX on XX/XX/XXXX under XXXX, XXXX XXXX XXXX  credit card opened XX/XX/XXXX under account XXXX, credit card account XXXX XXXX  XXXX opened XX/XX/XXXX account XXXX, credit card XXXX  XXXX XX/XX/XXXX credit card XXXX, credit card XXXX  XXXX opened XX/XX/XXXX XXXX. These accounts have resulted in several Fraudulent hard inquires and Fraudulent collections appearing on my consumer FICO credit report. I demand that the aformentioned Fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCAPA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

this matter is going back about 7 years, i purchase something from  XXXX  and paid with paypal but i never got the merchandise i disputed at that time with no results no i want to take out a mortgage and i see it reporting on my report and they say they sold it to a different company, i requested proof that it was sent to me but they did n't provide me with any proof i need this off my report ASAP i was n't suppose to be on the report in the first place. they are in violation of the federal laws
Product: Money transfer, virtual currency, or money service

I had a bunch of issues using cash app I had no way of contacting the company to discuss my issue with them and they let people take money and didnt give it back to me and I was un able to use it. And now Im banned from using cash app and I dont really understand why.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX MTR - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Unauthorized inquiries : XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX CO XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ODE XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX, XXXX XXXX XXXX, {$4400.00}, Disputed several times with no accountable documentation. 

XX/XX/XXXX, XXXX Account, {$500.00} XX/XX/XXXX, XXXX XXXX account, {$1500.00} XX/XX/XXXX, XXXX XXXX XXXX {$3100.00} XX/XX/XXXXXXXX XXXX  {$1300.00} was paid in full and closed due to company debt
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section XXXX ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax XXXX breach and XXXX have got into the hands of the wrong person.
Product: Checking or savings account

When my direct deposit comes in chime withholds XXXX and distributes it to me in incriments of XXXX. I have called and complained several times now as i was under the understanding that i would get fee free online banking with XXXX overdraft. 
Well i guess they have had enough of my inquiries, my account is frozen since last friday when i made the last call to them asking where my remainder of my money was. They collected XXXX and they owe me approx XXXX. 
They got rude and said i agreed to this when i signed up under the terms and conditions. 
Im definately changing banks but my direct deposit is coming up friday and im very concerned i will be able to get it.

I need help, not only for the XXXX of mine that is frozen, but for my direct deposit coming up.
Product: Consumer Loan

My wife and I received about {$10000.00} in XXXX work from XXXX XXXX XXXX in XXXX, Fl. We were told if we signed a Care Credit Agreement that our payment would be {$420.00} per month with no interest for 24 months. Our statements were delivered electronically. I called them today and found out my balance was {$1000.00} because they had charged {$950.00} interest. {$580.00} XX/XX/XXXX and {$370.00} XX/XX/XXXX. They said they charged thge interest because the promotion periods had expired. I was told by XXXX XXXX that by paying {$420.00} per month there would be no interest. I was not told about promotion periods. Looking online I see where the CFPB ordered GE Care Credit to refund XXXX for Deceptive Health-Care Credit Card Enrollment. GE owned Synchrony Bank / Care Credit is doing the very same thing. The have adopted the same deceptive practices. Help please. XXXX XXXX XXXX ( XXXX ) XXXX
Product: Checking or savings account

On XX/XX/XXXX I transferred {$10000.00} into the credit karma savings account. On XX/XX/XXXX, the money was showing as fully cleared and available. On XX/XX/XXXX I decided to move the {$10000.00} to a XXXX with XXXX XXXX XXXX. The money was deposited into the XXXX with XXXX  on XX/XX/XXXX. However, credit karma reversed the transfer, so now I will be getting a penalty in the XXXX with XXXX  for early withdrawal. When I asked credit karma why, they said it was because the savings account didn't allow withdrawals and I needed to open a XXXX  account ( checking account ). I told them I had made withdrawals from the credit karma savings account before, and I didn't want or need a checking account with them. It seems highly unlikely to me that no withdrawals can take place in the savings account. How would I get my money out if I need to use it? I decided to just close the account with them. You can see credit karma 's response to my inquiry below. 

I completely understand how important it is for you to know what is happening in your account. 

I was checking and I was able to find the transaction with the information that you provided me, I was able to see you're making this transaction like a " withdrawal '' from your savings account, unfortunately we can not do withdrawals from a savings account. 

You can try again the transaction with the following steps : Log in to your Credit Karma Money Spend account Tap Move Money.

Select Internal transfer.

Enter the amount youd like to transfer.

Select the account you want to transfer From and the account you want to transfer To.

Review the transaction details and make any edits as needed, then tap Confirm. 

If you need help linking an external account, check out our article, I am unable to link my external bank account to my Credit Karma Money account Please let me know if the issue is resolved, or if I can continue to assist you with anything else. 

Regards, Credit Karma Member Support
Product: Credit reporting or other personal consumer reports

I have called four times and spoken with someone from Equifax to remove the disputed listed on my credit report on accounts that I did not open. It is preventing me from getting approved for a mortgage loan and I have tried repeatedly to get them removed. Each time they tell me they have but each time my credit is ran again to check and they are still there.
Product: Credit reporting or other personal consumer reports

Hi Experian, I just received a copy of my credit today and I found this fraud credit card account opened without my knowledge. 
The account balance is inaccurate fraud and I never have this card in my possession and I should not be responsible for fraud account. 
This fraud credit card shall delete from my credit report. I was on the phone earlier with XXXX  XXXX fraud team and I was told that I have the right to have fraud account delete from my credit report. 

I would like to exercise my right and have this fraud account delete from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey on XX/XX/21 I had sent in a letter regarding inaccurate and not known to my knowledge things on my credit report. Leading up to this day which is over 56 days later I have not gotten a response yet. I feel like I'm being taken advantage of and ignored. After taking some time to do research on this matter, I concluded that failure to investigate these items within 30-45 days gives a reason to immediately remove these inaccurate items from my credit report. It has been over 56 days so they should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation, due to the headache and stress you have given me.
Product: Consumer Loan

On XXXX XXXX, 2016 we received a past due notice from Huntington National bank XXXX, Ohio concerning our car loan account # XXXX XXXX XXXX XXXX XXXX. Because we pride ourselves with prompt payment and meticulous records we knew that we had not missed or been late on a payment. Upon calling the bank { ( XXXX ) XXXX } I got the sense that they are as certain that we had made a late or missed a payment as we were that we had not. Here 's what happened. Upon review of our records and checking with our bank we discovered, as the attached ledger sheet shows, that we had issued a check ( # XXXX ) of {$230.00} on XXXX/XXXX/2016 for the XXXX/XXXX/2016 payment. You will notice that there is a check mark beside the amount XXXX to last column on the right side of the ledger sheet which indicates if a check has been cashed. This ledger entry is highlighted in yellow. There is no check mark beside the car payment and our bank ( XXXX ) confirms that it was not cashed. Also enclosed is a scan of the depleted coupon payment book for that account with XXXX shown as detached indicating that it had been sent. We canceled payment on check # XXXX, at personal expense, yesterday XXXX XXXX, 2016. We realize that we still owe the XXXX payment and are prepared to reissue payment ; however it concerns us greatly that this check was lost or misplaced and not applied to our XXXX payment and Huntington National bank has just now, in XXXX, discovered that fact and sent us a late fee demand and will report it to credit agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of I.d . theft and after notifying XXXX it was investigated and supposedly late charges/payments were to be removed from credit reporting immediately and it was not. Please remove all late payments from closed account and immediately report accurately to all credit bureaus and furnishes of credit reporting.