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

I allegedly had A loan with A company by the name of XXXX XXXX  in XX/XX/XXXX. I have submitted several disputes to all 3 credit bureaus to have this account removed as It was not my debt and I was A victim of identity theift. Aside from that it has been 7 years since the account was reported delinquent. According to XXXX they have the last activity date for the account as XX/XX/XXXX and XXXX and XXXX  has --. I reached out to XXXX at XXXX  XXXX XXXX  and he provided the attached itemized statement below showing the account went into delinquent status on XX/XX/XXXX because their was no payment made. I spoke with XXXX at XXXX  XXXX  branch number XXXX at XXXX XXXX who also informed me there was never A payment made on the account since it was open XX/XX/XXXX. He informed me the XX/XX/XXXX date that XXXX has reported was the day the account was charged off as A bad debt. According to the three credit bureaus websites and law it states A charged off account should fall off after 7 years from the FIRST DATE OF MISSED OR LATE PAYMENT on the charged off account. According to XXXX XXXX  the account went delinquent on XX/XX/XXXX which mean As of XX/XX/XXXX this account should be removed from all 3 reports. I have submitted several disputes and have been unsuccessful with getting A response. It is A violation of my rights to continue to report inaccurate information. If needed the 3 credit bureaus should contact XXXX XXXX to confirm the information provided in the dispute for clarity that this account was fraud and it has now been 7 years and should be removed completely from my report effective XX/XX/XXXX or you will be in violation of FDCPA laws!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple inquiries that I did NOT authorize, there are several car and finance companies I did NOT authorize. I authorize one company and these unauthorized companies started weighing in on my credit report UNAUTHORIZED!!!

I even contacted the Bureaus for removal, was in contact w someone through email and messaging she never responded back from XXXX its ridiculous. Tried through internet for Equifax and XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has responded to my complaints 2 different times and both times they do not address my complaint. They are clearly breaking the law because they are putting stuff into the complaint reply that has nothing to do with my actual complaint. 
Section 605B of the F.C.R.A. states very clearly how a C.R.A. must act in regards to an ID theft complaint. There are 6 sections in the law named. A., B., C., D., E., F.

It is clear in the law, that the C.R.A. must do all the 6 sections in order how written. " A '' says to block the information I identify as fraud no later than 4 business days after i identify that info. " B '' says to notify the furnisher of the info that the info they submitted was blocked. " C '' says that the C.R.A.  can decline or rescind a block request by me, after the furnisher answers with information that contradicts what the i claimed, then the C.R.A. can make a reasonable determination what the truth is. NOT before they block the info no later than 4 days after i claim it properly.

Fraud is fraud. Experian needs to OBEY the law and NOT rewrite the law to break the law like they are now.

4 business days have come and gone, i am harmed because information I did NOT give permission for, or allow someone else to do, is on my file wrongly. I did NOTHING to have those companies place inquiries on my credit file. The police agree with me, i filed a new report, i have given this to Experian and they are saying NOTHING in relation to my complaint, they are avoiding my complaint with XXXX, nothing true to me.
Product: Credit card or prepaid card

On XX/XX/22 I submitted payment in the form of remittance, tendered or coupon payment for the amount of {$14000.00} to my XXXX XXXX XXXX XXXX account which NFCU received on XX/XX/22. XXXX weeks later, I followed up via telephone call to see if coupon was received and if it was credited to my account. When speaking with a supervisor, he stated " the coupon you sent in is not a form of payment we accept or will honor ''. However, coupon payment is a form of legal tender. According to U.C.C 3-603, ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an endorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates.Also, under EXTINGUISHMENT OF OBLIGATION CHAPTER 4 Article 1256. If the creditor to whom the lender of payment has been made refuses, the debtor shall be released from responsibility by the consignation of the thing or sum
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 which is being posted to my report. 

Here are the list of items which 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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, credit repair services, or other personal consumer reports

In XXXX XXXX I signed up with a credit monitoring system called XXXX XXXX XXXX. I was able to generate my credit score that month, but the following month XXXX my credit score said unavailable. My card was still being charged so I know it was n't anything on my end. I then called XXXX XXXX XXXX and voiced my concern about the matter. One representative was not sure why that was happening, so she put me on the line with someone higher in rank. That representative told me that my score was going to be back up XXXX XXXX. XXXX XXXX came and I still did not have a credit score. I then called the three Credit bureaus, TransUnion, XXXX, and XXXX to make them aware as well of the issue. They also could not give me a reason why my credit score was and is not available. It is now XXXX XXXX, XXXX, and I currently still do not have a credit score on the Credit Monitoring system, XXXX XXXX XXXX. XXXX XXXX XXXX, is certain that my score is not available because one the three credit monitoring systems are not generating a score for me. No one that I have spoken with, with either credit monitoring system have given me a reason why i am unable to see my score.
Product: Debt collection

I filed a complaint here back in 2018 and addressed 3 different collection agencies who were violating the fair debt collection practices and had negative results. Only 1 company responded with incorrect information and the case was closed. 
Further research showed that XXXX XXXX, XXXX XXXX  and action professionals have been incorrectly reporting my debt information for years and also repeatedly reporting the same date frequent enough to make the debts appear recent even though they were 4 or more years old. 
My complaint was not sufficiently handled and the debt collectors are still harassing me and ruining my chances at fixing my credit. I'm the consumer here, where's the fairness and justice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a complaint asking Experian, XXXX, and XXXX to investigate my accounts. Her is the complaint ID XXXX, XXXX, XXXX. These consumer reporting agencies are in violation. 

According to 15 USC 1681i - Experian, XXXX, and XXXX have XXXX  days to investigate and send me results. 

And they also didn't even record the current status of the disputed information which is another violation.
Product: Bank account or service

On XXXX XXXX, XXXX, I spoke with the fraud department at Chase Bank. XXXX checks had been written and cashed on my account. Chase told me it would take 30 business days for me to be made whole, but that I would be compensated for XXXX of the checks in the next 3-5 business days, which I was. Chase requested that I place my account in a restricted status and I did so. However, my account was never restricted and XXXX more checks were drawn on my account. Chase made me whole on these XXXX checks. I was called by a Chase banker to come to the bank to open a new account, which I did. Prior to this meeting, I discovered another fraud check dated XXXX XXXX, XXXX. 
At my meeting with Chase on XXXX XXXX, XXXX, the banker called the fraud department and informed me that I would be made whole on all XXXX outstanding fraud checks totaling {$4400.00}. Chase has not held to their word on this and they have not followed up with me. I wrote a letter to the office of CEO XXXX XXXX on XXXX XXXX, XXXX complaining about their processes and I have still not hear from his office. 
I have documentation for everything I have stated here and more. I find it borderline criminal that Chase paid checks from my account that had a different check maker than that of my company. From my side, they are obligated to make me whole, then collect the money for their corporate account.
Product: Credit card or prepaid card

My Navy Federal Credit Union XXXX credit card has a due date of XXXX every month. I am given 3 day grace period. Therefore my statement ending date is the XXXX. This month I made a payment towards my balance of {$2000.00} on XXXX  XX/XX/2022. The {$99.00} minimum payment was made in the morning while {$2000.00} was made in the evening. These payments were taken out of my account instantly. 

Navy Federal released my XXXX statement on XX/XX/XXXX. They did not take into account either of my XX/XX/XXXX payments stating that my payments were made after XXXX XXXX  on XXXX. This is not accurate as the {$99.00} payment was made before XXXX on the XXXX. The {$2000.00} was made in the evening. But even then NFCU, took out the money instantly and should have recognized revenue on the date they earned it which is the XXXX. This is an abrogation of XXXX revenue recognition principles. 

I called NFCU on the XXXX to point out that I was concerned my payments were not being reflected accurately. They told me I should wait until Tuesday once the amounts have posted for them to release a new statement. I called on Wednesday XX/XX/XXXX. The statement was indicating that the payments were made on the XXXX. This is a misrepresentation. They refused to redo the statement. 

I would like them to redo the statement to reflect the accurate economic reality of my credit card transactions. Their action if left unaddressed will harm my credit scores and hinder my prospect of getting financing.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XXXX XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  And one more thing according to 15 use 1681s-2 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. 

Check the attachments below
Product: Credit card

I closed my Chase mileage card last year. At the time the service rep told me the annual member fee will be refunded, and I have no other balance on the card. I did not hear from Chase until earlier this year. I got a letter from Chase saying that my account was in significant delinquency, and was about to be charged off. 
After receiving the letter I called Chase, the service rep was able to see that the membership fee never got refunded, and meanwhile late payment fees was incurring. The service rep then told me that he would clear the account and also contact credit agencies. 
I check my credit score this morning ( a few months after the call ), the entry from Chase is still on my credit report. I call Chase and they told me they have to open another investigation for this matter. It seems like nothing gets done and meanwhile my credit score took a big hit. I am very disappointed in Chase.
Product: Credit reporting or other personal consumer reports

I am writing in regards of the ongoing issue concerning the late open accounts inaccurately listed on my credit report. This letter marks my eleventh attempt to address this matter, and I am increasingly frustrated by the lack of resolution and the continued presence of these inaccuracies. I have diligently provided all necessary documentation and followed your companys procedures to dispute these erroneous entries. Despite numerous follow-up communications and assurances that the issue would be resolved, the late open accounts remain incorrectly reported on my credit file, causing significant distress and impacting my financial standing. I expect for ani immediate Correction of Late Open Accounts and ensure that all late open accounts are accurately reported on my credit file, reflecting their true status. Also a thorough Investigation : Conduct a comprehensive review to identify and address the root cause of these inaccuracies, implementing robust measures to prevent future occurrences. The following accounts should be corrected as soon as possible : XXXX XXXX Balance : {$140000.00} ; XXXX XXXXXXXX Balance : $ {$190000.00} ; XXXX XXXXXXXX Balance : {$0.00}.
Product: Checking or savings account

Sometime in XXXX of XXXX the postal box in our complex at XXXX XXXX XXXX XXXX was broken into. A number of checks were stolen including XXXX from my office. One of the checks was not cashed and was stopped. The second check was our check # XXXX written to XXXX of our remote typists. The check was for {$840.00}. Who ever cashed the check forged the recipients name on the endorsement. I reported the matter to XXXX XXXX XXXX the branch manager at XXXX XXXX XXXX. She told me that the intended recipient of the check would have to file a claim. I disagreed and filed a challenge to the ( claim # XXXX ) on XX/XX/XXXX. I have heard nothing from the bank since then. 
I filed a police report on XXXX XX/XX/XXXX with XXXX XXXX of the XXXX Police Department. I heard nothing from the police until XX/XX/XXXX. He informed me that the check in question was deposited at a XXXX XXXX ATM located at XXXX XXXX XXXX, XXXX, Alabama. He further informed me that since the check was cashed in another jurisdiction, he could do nothing further. He also informed me that there was no video recording of the transaction, so he didn't think XXXX XXXX could do anything either. 
I think that the bank erred in cashing a stolen check. They were also neglegent in not recording the transaction and not providing information regarding the account that eventually received the check. I am seeking return of my {$840.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a Victim of Identity Theft and explained that to XXXX, XXXX and TransUnion, also provided them with evidence to prove that my identity has been compromised however they continue to report Fraudulent accounts on my credit file. which is against the FCRA 15 USC 1681. According to the GOVERNMENT the accounts that have been reported Fraudulent need to be removed and block immediately to correct my credit profile
Product: Mortgage

Regarding : PNC Bank I received a letter saying that there was a shortage on my escrow account. The letter offered me the option to pay the outstanding balance ( shortage ) in order to keep my monthly payment the same or to increase monthly payment. I choose to send the one time payment in order to keep my monthly payments the same. I even submitted an additional XXXX payment to the principal. 
After I submitted that payment, PNC Bank still arbitrarily and without any notice increase my monthly payment by {$55.00}. XXXX so instead of paying {$3200.00} a month I am now required top pay {$3200.00} a month ). When I called the bank the staff who took the call, said the the bank can increase my monthly payment at any time. I ask to speak to someone else and I was put on hold for 46 minutes and then ended up leaving a VM hoping that someone will call back ( I am still waiting ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing fraud account on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The account is not showing in dispute nor is it removed from my report. The account always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud account affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the account to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Product: Credit reporting or other personal consumer reports

Brought a car from XXXX XXXX in I think XXXX then I was in a accident and the insurance company totaled the car. Well I guess I owed orbit leasing a deductible as well.XXXX XXXX  had called me once I don't remember if they sent anything in the mail. I know I owe it but I had no idea they were putting on my credit as a missed car payment until I tried to get a mortgage I then contacted them and they said they can't help how it's reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and all information stated below is to be accounted for as my personal statement. 
My identity and personal credit report were used without my knowledge or consent.

The reporting of this information is in violation of the FCDPA 15 USC 1692c 805 ( b ) Which states : " Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector '' My personal credit file is displaying information that is fraudulent and I have attached the Identity theft report as required by FCRA 605B ( 15 U.S.C. 1681c-2 ), Subsection ( b ) ( a ) XXXX. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Credit card

I am writing regarding Bank of Americas handling of a claim on my Unlimited Cash Rewards Visa Signature ending in XXXX. 
I have fraudulent charges on my credit card. The transaction is a recurring charge of {$29.00} from a merchant titled XXXX When I first noticed the charges I went to XXXX to see if it was something I was affiliated with. There was no website published at that time. I then created my fraud claim online and hoped the issue was then resolved. It was not. The charges were refunded and I was sent a new card, but then the charges began appearing again. I would try to file a new claim online and Bank of Americas website/app would not let me. 
I called Bank of Americas claims department. The assisting associate advised that there were many more charges that were not included in the first claim. I was not aware of these charges, I thought I had selected all of the fraudulent XXXX transactions in the initial claim. The representative completed the claim and advised the merchant would be blocked and I would receive status updates on my claim. 
The update I received was that my claim was partially denied due to making payments on the account. The transactions in question are all from XXXX. To say that some are fraudulent and some are not doesnt make sense. Also, I am required to make my payment. 
Ive worked for Bank of America for a decade, mostly within the fraud prevention department as a fraud associate and leader. I and my teams would continuously advise clients they were 100 % protected against fraud and have 0 % liability for fraud charges. This was a phrase senior leadership required us to state on every call, just as the agent assisting me with my claim did. Im asking for this issue to be handled as such. 
I did further research on this " merchant. '' According to XXXX, The XXXX domain was created on XXXX. XXXX, a website whose purpose is to snapshot websites for its historical archive, first noticed a website associated with the XXXX  domain on XXXX.I have no affiliation with this webpage nor do they provide me any good or service. 
At the current time, XXXX redirects to a XXXX  The transaction continues charging on my credit card and I am scared to pay my bill. 
I am currently suffering from a XXXX that is keeping me from working. Between my issues with XXXX handling of my XXXX and the banks handling of this issue I am feeling discriminated against and helpless. Please help me.