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

I sent letter to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Balance : {$860.00}
Product: Credit card

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Product: Credit reporting or other personal consumer reports

This is serious, I am worried regarding the security of my personal information, as I have noticed that inaccurate information and items continues to appear on my credit report that is not associated with me, and I am deeply troubled by the potential risk it poses for unauthorized access.
Product: Payday loan, title loan, or personal loan

According to my credit report the account was opened XXXX and had a total balance of XXXX. The current balance according to what AMEX is reporting on my credit report is {$1500.00} as an unsecured Loan, Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These above dates and numbers are what are currently being report on my credit report per XXXX, XXXX, and XXXX verbatim The many times that i've spoken to both customer service department, the credit bureau division, the collections division and management for 4 consecutive weeks they have all advised that each department No longer has access to this account. Each branch is suggesting that they once had possession of this account and has since been transferred several months ago to another division to have it serviced. 

I have had several managers document this frustrating matter under my social security # and suggest it will be escalated to the property department. 

Each department claims they no longer are serving this account. IF i need to include the account number let me know?
Product: Vehicle loan or lease

This bank is not reporting to the credit bureaus in a timely manner. 

The last time they reported was XX/XX/2021. My balance was $ XXXX The following payments are not shown at the credit bureaus and are keeping me from getting another car. 

XX/XX/2021 One-Time Payment Completed {$5400.00} XX/XX/2021 Payment Processing Center Completed {$19000.00} XX/XX/2021 Payment Processing Center Completed {$40000.00} The entire amount has been paid off and albeit the final payment was only 3 weeks ago, the other 2 payments on XX/XX/XXXX and XX/XX/XXXX were never reported to the bureaus. I have contacted Ally Auto and they have not responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

At the top of COVID 19, I was unemployed and looking for work. I informed XXXX XXXX that I was unemployed and unable to submit payment for my monthly bill. During this time, all credit companies were told not to make any late payment remarks against credit accounts as many Americans were unemployed. XXXX XXXX still reported 3 months of late payments- XXXX, XXXX, and XX/XX/2020.
Product: Credit reporting or other personal consumer reports

Hello. 

Last year. I was having issues by paying my car. 
I negotiated with Merdeces Benz financial the possibility to extend my due date and that cost me XXXX dollars the month extension. 

Then I see on my report a late payment on XXXX that is affecting my credit score 15 USC 1666B ( a ) " A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for ANY purpose. '' I contacted them already and they dont want to help me to delete the late payment I want to use this consumer option to delete that from my credit report. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This account does not belong to me, Equifax verified that this account doesnt belong to me as stated below, however the account is reporting on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

, XXXX XXXX, consumer and natural person, am a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand that a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer pursuant to 15 USC 1681b ( c ) ( 3 ). Pursuant to 15 USC 1681c-2 ( c ) I understand that you may decline to block or may rescind any block but be warned that declining to block the following information that resulted in identity theft without providing me with my written authority of it to be furnished in the first place will constitute as Aggravated Identity Theft pursuant to 18 U.S. Code 1028A. Aggravated Identity theft carries a criminal liability of up to 2 years imprisonment. I assure you the information that I am presenting to you was not blocked in error. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with you against XXXX XXXX XXXX IL and Equifax within the last month and they finally refinanced my one loan I have with them to 12 mo with a XXXX  mo payment so I can get it paid off but are NOT reporting my payment amount, term of loan months or last payments made for the last two months!!! They also did not note on each of my prior loans closed and refinanced as all banks and loan companies do!!! They also made me borrow {$200.00} more in order to refinance it down to a year of payments instead of the four they were trying to gouge me for!!! I want this report corrected NOW! I want them fined for every error they made as they are doing this intentionally!!! I want a corrected copy of all three of my credit reports mailed to me paper form and to your office so you have proof!!!
Product: Debt collection

I called XXXX XXXX on XX/XX/XXXX to verify if my account was closed and paid in full. Can not remember if I made a final payment at that time or before. I spoke to supervising agent ID # XXXX whom verified that my account was closed and paid in full. XXXX has since added additional charges, turned me into collections and continues to try and collect moneys not allowed to them. 

Since they continue to attempt to collect charges not owed, I would like to make you aware that since I upgraded with sprint in XXXX, they continually over charged me on a monthly bases. I have two specific, on line conversations with XXXX representatives that concur with my beliefs. Please allow a corporate lawyer to contact me if they believe I have a case case against this company. 

Thank You, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX has violated my rights. 

15 US C 1681 Section 602 states, I have a right to privacy.

15 US C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

CALLED TRASFERED OUTSIDE THE US, WHERE I WAS TRANSFERED DEPARTMENT TO DEPARTMENT WITH SO SOLUTION TO MY PROBLEM ..VERY LITTLE HELP
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX shows a inquire on my credit report on XX/XX/2018 but I never gave them written authorization to run my credit.
Product: Debt collection

Receivable management Account number XXXX Subject : Formal Dispute and Notification of Legal I am writing to formally dispute a negative item on my credit report that I believe to be inaccurate and in violation of federal laws under the Fair Credit Reporting Act ( FCRA ). I am also bringing to your attention your failure to comply with specific legal obligations as outlined in the following statutes : 1. 15 U.S.C. 1637 ( 2 ) ( 9 ) ( A ) Regarding required disclosures for open-end consumer credit plans.

2. 15 U.S.C. 1681 Establishing consumer rights to ensure credit information is accurate and fairly reported.

3. 15 U.S.C. 1681s ( a ) ( 3 ) Requiring consumer reporting agencies to provide accurate and complete credit information.

4. 15 U.S.C. 1681e ( b ) Mandating that consumer reporting agencies maintain reasonable procedures to ensure the maximum possible accuracy of the information in credit reports. 



The negative item in question is [ identify the account or item in disputes Based on the evidence I have provided, this item is either incorrect, unverifiable, or incomplete. 
Additionally, the following violations have occurred : 1. Failure to provide accurate reporting Under 15 U.S.C. 1681e ( b ), you are required to adopt reasonable measures to ensure the accuracy of the information you report. The inclusion of this inaccurate item demonstrates a breach of this obligation. 


2. Failure to properly investigate disputes As required by 15 U.S.C. 1681s ( a ) ( 3 ), you must investigate disputed items thoroughly and accurately.

3. Failure to comply with required disclosures The reporting of this item may also violate disclosure requirements under 15 U.S.C. 1637 ( 2 ) ( 9 ) ( A ).

I request that you : 1. Immediately investigate the disputed item and provide me with a purchase agreement explanation of your findings.

2. Remove or correct the negative item from my credit report if you can not verify its accuracy within the legally required timeframe.

3. Provide a writing acknowledgment of your compliance with this request and confirmation of any changes made to my credit report. 



Under the FCRA, you are obligated to respond to this dispute within 30 days of receipt. Please consider this letter my official notification. I have enclosed copies of relevant documents, including my credit report and any supporting evidence, to facilitate your investigation. 

Failure to address these issues may result in legal action, as I am prepared to enforce my rights under the law. 

Sincerely, XXXX XXXX
Product: Credit card

I keep calling and emailing of writing complaints about chase Bank not providing me information about any credit cards with balances under my name or social security number. I am a victim of identity theft and Chase has not been helpful proving information. I would like to know if there are any closed credit cards with remaining balances under my name or social.

Chase continues to not respond to these complaints. They are saying they have already responded and that is not true. Chase Bank has not responded to me letting me know if there is a fraudulent credit card with a balance still remaining.
Product: Checking or savings account

XXXX i had FRAUD Charges on my Wells Fargo Debit card totaling over $ 3500+. 

I dont use or have a XXXX  account, i went online and disputed with my bank these unauthorized charges. 

I tried getting in contact with XXXX  by Phone but kept getting a busy line, the bank closed my FRAUD Claim. i dont understand why, i thought i was protected during these types of situations where someone steals my debit card info and spends my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list below has Below has violated my Federal Protected consumer rights To privacy and confidentiality under 15 USC 1681 rights. 

Acct XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX on the XXXX XXXXXXXX XXXXXX/XX/XXXX XXXX XXXXXXXX bank XX/XX/XXXX XXXX  Online hold XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 15.U.S.C 1681 section states i have the right to privacy. 

15 U.S.C 1681 Section 604 A section 2 : states. Its also states consumer reporting agencies can not furnish account without my written instructions. 

15 U.S.C 1681c [ a } [ 5 } Second states no consumer report agency may make any consumer reporting containing any of the following items of information any other adverse items of important. Any other items 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 a consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate
Product: Checking or savings account

On XXXX XXXX, I deposited a check from work for {$5000.00} into my checking/debit card account at Bank of America. All monies were then deposited into my account and posted on my active balance. Two day later on XX/XX/2020, I went my massage place which I have been to before and new issues. However, on this date, I was charged {$5500.00} for a massage that normally would only cost around $ XXXX! Upon, my recipt which showed the accurate amount, I was later charged the edited amount on my Bank of America Balance of {$5500.00}. After calling Bank of America, and being handed over the phone to 3 different bank agents, I was told that there was nothing they could do. I also called the Massage place that charged me the {$5500.00} and they refused to removed the charge and gave an excuse that they did not want to remove the charge because they would lose a 2 % card fee for my transaction! Therefore, I am formally sending out my complaint because both my bank and the merchant are unwilling to rectify the incorrect charge, and in essence, steal over {$5500.00} from me! While this amount does not see like a lot to Bank of America, this is a very large sum of money to me and I actively depend on it for my livelihood especially during the COVID-19 Pandemic! Please if you are able to get either the bank or my merchant to actually fix this fraudulent transaction and theft of my money!
Product: Credit reporting

XXXX XXXX XXXX has a debt listed on my credit files and the credit bureau companies stressed that a proper investigation was completed on their end and left my dispute unanswered because the debt is still listed. I find it amazing that I reached out to the company and XXXX reached out to the company and we did not get any results. IT amazes me that I can not get debt validation as requested and XXXX could not get any results on my behalf ( see attachments ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Transunion have failed to remove fraudulent information on my credit report. After numerous disputes and receiving letters claiming the account/inquiry is reporting correctly, it is not. I have attached my Identity Theft report in hopes of removing the incorrect information on my credit report.
Product: Student loan

I have a large amount of private loans through Navient, in which originally began 10 years ago when I started my XXXX degree. I am currently finishing my XXXX XXXX, however ran out of " deferment period '' due to being in school too long. I have had to pay Navient a series of {$150.00} every three months to place my loans into forbearance status until I graduate with my second degree and am able to make the payments. My loans were set up to enter repayment on XX/XX/XXXX if I did not pay an additional {$150.00} to place them in forbearance for another three months. I called customer service on XX/XX/XXXX, spoke to customer service, paid the {$150.00}, and was emailed confirmation that the payment was successfully processed. However, Navient did not process the forbearance request and on XX/XX/XXXX, a total of {$590.00} was deducted from my checking account, causing my checking account to overdraw and leaving me with {$140.00} in overdraft fees ( a total of {$740.00} taken from my account, unauthorized ). I did not discover that Navient processed the payments until XX/XX/XXXX, and immediately called them where the representative refused to allow me to speak to a supervisor and simply stated that the forbearance was not processed the previous week as it was supposed to be, but she would do it immediately. I went through the motions of the questions to place the loans into forbearance again, and got the confirmation that it was successfully processed, again. The representative stated that the funds " should be '' returned to my account in 3-4 business days, however she could not verify if it would, in fact, be refunded. If it was not refunded, I could then call back and complete a refund request with a supervisor, but could not speak to a supervisor until that time. In addition, I provided them documentation that my checking account was overdrawn and I was charged {$37.00} for each loan ( 4 loans total ) as overdraft fees, totaling {$140.00}. The statement that I was provided from my bank had shown 3 of the 4 loans resulting in an overdrawn fee, and they placed the 4th fee on another payment that was made the same day that was authorized. Consequently, Navient would only pay {$110.00} of the overdraft fees and would not be processed in my account for 10-11 business days. Over the course of the past five years, I have had nothing but problems with this company.
Product: Credit card or prepaid card

On XX/XX/XXXX my Chime account was suspended without any notice. Called to see why they closed my account and all they could tell me was they needed documents to verify my address change. Never really used this card but its been active since XXXX for the purposes of taxes and child tax credit. After finally fixing XXXX and XXXX taxes to be direct deposited. They close account with no explanation. Sent all documents by fax as requested XX/XX/XXXX with no response after. Only direction given was to wait 30 days. Filed a complaint with XXXX. Called again XX/XX/XXXX and at this time was sent a formal email on why they suspended the account. Stating they suspended account due to to many transfers via XXXX XXXX totaling over XXXX dollars between XX/XX/XXXX and XX/XX/XXXX and they needed a explanation. I sent documents of proof of identity and explanation of all money spent. Which was no were near the amount they have provided. XXXX XXXX history to confirm that. Again sending the documents to both emails provided one of which was given in email Chime sent. XX/XX/XXXX got email from Chime that they received all documents sent and they would be under review by XXXX XXXX XXXX  within two days maybe longer if extra documents needed. Called again XX/XX/XXXX for update from Chime to still be told just got to wait with no time frame to be provided. They confirmed all documents had been received as well. Called XXXX XXXX who refuses to speak on the account. 

Dont understand why all money is frozen. No resolution after sending documents three times. Filed a complaint with XXXX  still no resolution just to escalate complaint. Chime says The XXXX XXXX needs to review and needs documents but The XXXX will not discuss or take any credit for suspended card account. Stuck in the middle even with legitimate explanation and documents. Please help. Running out of options. Majority of funds on account are XXXX and XXXX taxes. Child tax credit payments for my child. This has been explained multiple times. XX/XX/XXXX had a reasonable move and during time in question most transactions were made to furnish my familys new home. Feeling very helpless and taking advantage of. 

Added documents but kept out attachments of documents they requested for privacy purposes. 

XXXX XXXX
Product: Credit card

Over the years I feel I was Over charged for my direct deposit to my account, I have been trying to dispute charges but not able to reach anyone in a customer service department. Cashapp has never made it easy to file a complaint or try to dispute a transaction
Product: Credit reporting, credit repair services, or other personal consumer reports

A bankruptcy along with non-approved inquiries was dispute over 30 days ago and a removal was requested. I have a certified receipt of delivery of that request. No action has been taken by Experian as of this date, XXXX-17.
Product: Debt collection

Senex Services is re porting a false medical debt on my name on behalf of  XXXX   XXXX  hospital. I have disputed this debt with  Senex Services nu merous of times and a bill was sent to me without any details as to what services were rendered nor was any contractual agreement with my signature on it was ever sent to me. I contacted  XXXX   XXXX  and was told to speak with someone from Senex Services after explaining to them that I had already disputed this with Senex but was told that there was n't anything they can do.  <P/> I want to make it clear that THIS IS NOT MY DEBT. I did not attend  XXXX   XXXX  hospital for treatment for any reason whatsoever. Furthermore, this false debt is affecting  my credit score and  is making me appear more risky to creditors and lenders. I have a stellar payment history with credit cards and installment loans on my report. this is the ONLY negative information on my credit report and quite frankly, it has and still is ruining my quality of life.  <P/> At this point, I am respectfully requesting t hat Senex Services rem ove this false debt from my credit report effective immediately. Please be advised that this is my third and last request for removal. I have tried to resolve this matter amicably but to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries where furnished on my consumer reports I did not initiate nor did I give written consent to report on my consumer reports which shows fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX 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 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 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: Credit reporting, credit repair services, or other personal consumer reports

I found XXXX Hard Enquires in my credit report XXXX made by a company named OneMain on XX/XX/XXXX located at XXXX XXXX XXXX XXXX, XXXX, Az XXXX phone : XXXX XXXX XXXX and OneMain on XX/XX/XXXX located at XXXX XXXX XXXX, XXXX IN XXXX phone : XXXX XXXX XXXX which I do n't regognize ever contacting them for a loan. The Hard Enquire caused to lower my Credit Report Score which is not beneficial for me credit records.