23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

according to sunoco rewards card there saying on my account that im just making mimium payments WHICH im not and that my account is XXXX plus change I honestly believe believe this is wrong Ive been paying XXXX amonth never later or miss this was there reply Our record reflects that your account has revolving balance of {$1000.00}. which requires minimum payments each month as noted on your statement. Furthermore, Interest charges begin the day a charge is this was mine reply First of all I make more then just minimum payments and second my account showing more then XXXX it showing close to XXXX so your telling me i have XXXX in INTEREST no way I dont have any promations Ive never been LATE OR MISS ANY PAYMENTS I WANT THIS STRAIGHTEN OUT
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, this is a complaint i want to do to about all credit reporting agencies.

But I will use examples from just one ( Experian ) since they are the only ones i had the chance to contact because I just physically dont have the time to do that since it takes hours and hours to even get a hold of them.

So first thing is that with experian i can't even do a dispute online, when i click to do a dispute online I'm told that I can't do it and it doesnt tell me a reason and im told to call in.

next thing is that it takes forever to call in because I literally had about 15 minutes of automated phone time because there is no clear choice to pick from and even if you do pick something close to what you need, it takes you to a automated answering part and then hangs up. 

My next and most important complaint is the dispute part. I just not got off the phone with Experian XX/XX/2019 and their words to me where " we are just the middle man, and we are not responsible to verify that the information reported to us is accurate '' So what is this all about? I called them to dispute some credit card accounts that are showing up on my name that have high credit usage that are not mine. Also to dispute inquires that are showing up in my name that I have never authorized. 
But instead of help I'm told by Experian that they do no dispute Inquiries and I my self have to contact creditors. 
Also they told me they will not dispute the credit cards accounts that I'm telling them are not mine because they are telling me that Credit card companies are reporting it as my credit cards. I mean what kind of nonsense is that?! 

Its like if I were to go out and ask you for you name and you told me its XXXX XXXX, and then someone comes up to me and says " hey this guys name is also XXXX ''. And I was to believe them over you and then take that information and start telling everyone you are lying about what your actual name is. 

This is ridiculous! Why in the world do credit bureaus have so much power but no accountability. Apparently they can report anything they want. I seems that they just go out into the wold and collect any junk information and just slap it on your credit report. And then, I have to go and fix it because they havent done their due diligence to verify the information. 
Information shouldnt be reported on a credit report until it is first verified with the person that its being reported about. 

How can I complain about all this. These Credit Bureaus need to be held accountable and need to by put on Trial.
Product: Checking or savings account

My Chase accounts had fraudulent activity transacted through them. These issues concerned Chase Pay, XXXX, and XXXX along with other non-recognized charges. Chase froze the account without informing me. I had to call into multiple CSR 's to find out what was happening. I changed debit and credit card numbers per Chase 's recommendation. I identified the fraudulent activity and reported it to Chase. Chase banks response was to state that they would no longer do business with me, restricted my account without informing me, and refused to allow me to withdraw or transfer funds. I spent a week going back and forth with their branches and customer service people who fed me inaccurate information : One day they said they would instruct the branch banker to override the restriction so I could withdraw my funds. Then said that they had not done that and that they wouldn't. This back and forth went on all week. To make this more egregious they would arbitrarily accept or not accept my identification. Their response to this was to state " Well, you just keep trying different Chase branches. '' This has been total and complete exercise in discrimination. 

Chase also failed to address the fraud on my Credit card which was part of the same situation. I provided Chase with the items and offered to send them the communications from XXXX and XXXX which corroborated the fraud. Chase never contacted me about these items and simply recharged the replacement card for the items. 

I have never experienced a bank that is so disrespectful to its clients, incompetent and simply discriminatory in it's practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA, it is a violation to report inaccurate information on a credit report, Under the FCRA section 623, it is a violation for the bureaus to still report inaccurate information aften being provided proof of inaccurate reporting, and they can be sued for the extent of damaged incurred by the wrong party. 

Furthermore, under FCRA section 605 ( C ) Running of the reporting period, if a creditor, collection agency or CREDIT BUREAU try and RE-AGE your account by updating the date of last activity on your credit file in the hopes of keeping negative information on your account longer it is a violation punishable by {$1000.00} in fines I have enclosed copies of my credit report, and on all the " alleged collections, because they have not been validated by the collection company, ALL the dates of last activity has RE-AGED According to the FCRA, a collection account is suppose the reflect the last date a payment, Transunion., XXXX and XXXX are in violation of my rights and is subjected to a law suit under these laws/
Product: Checking or savings account

1 ) Scheduled Bill Payer for Taxes for XXXX Delivery to XXXX XXXX - XXXX XXXX was mailed check to Payee 2 ) Funds of {$4700.00} removed from account on XXXX XX/XX/XXXX ) XXXX XXXX- Confirmed Funds not received by Bill payer 4 ) XXXX XXXX- I Sent a new direct e-payment to XXXX XXXX to avoid penalties 5 ) Spoke with Capital One customer service who confirmed a ) Bill Payer Check was stopped & b ) Will reimburse of funds in 3 days 6 ) 3 business days later - Capital one denied the claim 7 ) Capital One claimed they made no mistake - 8 ) Sent Capital one confirmation payee did not receive - XX/XX/XXXX XXXX ) Capital One declined the claim again - XXXX XX/XX/XXXX Capital One refuses to refund the money - XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to open a savings account. My application was denied due to Experian putting a freeze on my credit report. I tried calling them to unfreeze my report but could not reach an actual person. The automated messaging system did not give an option to unfreeze a report only to put a security freeze on your report. I called 6 different phone numbers for Experian and was routed into the same automated messaging system each time. I tried using their website to unfreeze my account. I entered all of my information and hit submit only to get a response back that states " We are unable to process your request '' and " If you need further assistance please call XXXX. '' This is the same number I tried calling in the first place. 

I believe that it is unlawful for a credit reporting agency to have this much control over my financial business without having any recourse with an actual person to resolve issues.
Product: Mortgage

I contacted Caliber Home Loans last week & asked them to send me a copy of my original mortgage note. Upon my 1st call on XXXX/XXXX/16, I was told that it would take a month to be received. I spoke to my legal council, was told that I was provided false information, & encouraged to call them to escalate the concern. By XXXX/XXXX/16, I had a manager on the phone who tried telling me the same month time frame, but I shared with her the statues & laws they were breaking by not providing me a copy of my mortgage note upon my immediate request. Notes were then made on my account that I would finally receive my mortgage note by tonight ( XXXX/XXXX/16 ). Needless to say, I still did n't receive my info & as such, I escalated my concern with Caliber to XXXX, badge number XXXX, & was told that " no one '' knew why I did n't have my mortgage note by now. He then told me that I could have it faxed to me & in reply I said that the manager from last week told me that Caliber COULD N'T send me a fax -- another company contradiction. XXXX could n't provide an explanation for this & he has yet to send me a fax copy of my mortgage note. 

Caliber Home Loans ' inability to provide me a mortgage note in a timely manner, per their advisements, is negatively impacting my ability to do a refinance on my home. And if I am not able to complete my refinance as scheduled, I intent on holding Caliber responsible, legally & monetarily, to the fullest extent that local, state, & federal laws will allow.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was my 2nd CFPB complaint and a follow up to notify the XXXX, XXXX and TransUnion that below is a list of inquiries that are not associated with me and were opened without my permission. And from today counting 15 days that I am so much expecting a deletion result update to happen in my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX XXXX and or Credco was never authorized to pull my credit. Please see the attached pdf that does not provide concrete evidence that I approved this credit pull. Once you review the attachment, have XXXX XXXX XXXX XXXX and or Credco provide proof that I authorized a credit pull. When XXXX XXXX XXXX XXXX and or Credco fails to provide concrete evidence that I authorized a credit pull, please remove their credit pull from all credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was merge with someone else info. Which added accounts I never had. Then my information was stolen and people were buying and opening checking and savings under my name for over XXXX years I been going thru it with XXXX XXXX and XXXX. They had inaccurate info. They have plenty of inquiries that I didnt give permission to check my credit. When we call those bureaus they make it hard on it to fix their own problems they created. 
Also. I have closed accounts. I have old inquiries. I have duplicates accounts. Now they put me in a special department making it hard to get to anybody. I spent over XXXX fixing and getting my credit back to normal
Product: Credit reporting, credit repair services, or other personal consumer reports

Attempted to remove credit infromation regarding a failed business venture with my personal credit being compromised several times prior. Experian claims there is a settlement in the works, but I shouldn't have to wait to settle an issue I've ben having since I began using my credit to attempt to get a car, business loan, and house through XXXX XXXX, XXXX, and XXXX  XXXX XXXX. Feels like discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX XXXX XXXX. I am bringing this complaint to your company as a living man. You are reporting an account with an abbreviated name XXXX XXXX which is incomplete. XXXX is reporting a date last active of XX/XX/22, XXXX XX/XX/22, and Equifax XX/XX/22. I was never late on this account. Update the payment history to ok for all months or delete this account due to inaccuracy.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against EQUIFAX regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX XXXX, but it is incorrectly listed as on my credit report. 
- Incorrect Name # XXXX : XXXX XXXX XXXX XXXX - Incorrect Name # XXXX : XXXX XXXX - Incorrect Name # XXXX : XXXX A XXXX - Incorrect Name # XXXX : XXXX A XXXX - Correct Name : XXXX XXXX XXXX XXXX I request that my name be updated to reflect the correct information. 



XXXX. Outdated Address : - Incorrect Address # XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX - Incorrect Address # XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - Incorrect Address # XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

XXXX. Wrong Date of Birth : none My Date of Birth is : XX/XX/XXXX XXXX. Wrong Employers : - Wrong Employers XXXX : ADVANCE D - Wrong Employers XXXX : XXXX XXXX XXXX My employers is : XXXX XXXX XXXX Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license and Social Security displaying my correct name. 
A recent utility bill or bank statement showing my current address.
Product: Student loan

American Education Services uses deceptive practices in dealing with borrowers. I just learned yesterday that they have been charging me late fees every month for the past year-and-a-half because they claim that I missed a payment, and so every payment since then, though on-time, has been deemed late. When I asked if they would waive these fees, they said they ca n't because they are " rolling late fees. '' They also never resolved an issue I discovered about 2 years ago, when I learned that they had had me on an interest-only plan until XX/XX/XXXX, even though I had requested to be on a level plan. 

Below is a complaint I posted on the Consumer Affairs website in XXXX XXXX : I consolidated my loans at 4.75 % before graduating with an XXXX in XX/XX/XXXX. Since XXXX, I have been making monthly payments on my loans. Originally the lender was XXXX XXXX XXXX, but apparently AES acquired the loans in XXXX, XXXX when XXXX went out of business. I am concerned about several issues : I am charged late fees often, but without sufficient warning that my bill is due and that late fees will apply. These late fees are {$20.00}. XXXX had not served such high late fees. Also, AES is reporting these late payments to the credit report agencies, diminishing my credit - despite the fact that I pay monthly. I also frequently pay a greater sum than the minimum due - sometimes several times as much. I am concerned that these higher payments are not being applied toward the principal amount of my loan and I am not sure where the money is being applied. 

I estimate that I have paid at minimum {$20000.00}, likely {$25000.00}, to these XXXX lenders ( XXXX and AES ) over the past seven years. Yet my principal amount due has only decreased by about {$3000.00}. Though I have sometimes been on the interest-only plan, I have requested to be on the level plan for years. Yet I was just informed that I was on the interest-only plan until XXXX XXXX. Even if I were on an interest-only plan, at 4.75 % interest rate, this does not add up. Where has this money gone? On XXXX XXXX, I requested a full payment history from AES, including payments from XXXX, going back to XXXX. As of XXXX XXXX, I still have not received this payment history. I called AES on Tuesday, XXXX XXXX and was told that the request is " being processed '' and that I should have it by Friday, XXXX XXXX.
Product: Checking or savings account

Im the XXXX of a small XXXX 501 ( c ) ( 3 ) nonprofit organization helping at-risk youth from XXXX City learn XXXX XXXX XXXX. I have a small business account at SunTrust bank. On XX/XX/2021 they allowed a fraudulent check in the amount of {$5000.00} to be cashed on my account. The check was obviously fraudulent because the SunTrust logo was misplaced as well as it was missing key information that is on their checks. I was contacted by the SunTrust Fraud department days after they had released the money. During that call I verified that the check was fraudulent and pointed out all the inaccuracies in the check that they let get cashed. I was then told that it would take 15 days for the money to be put back into my account. Thats an excessive time to wait, especially for a small business. 

My first call since the one in early XXXX was Tuesday, XX/XX/XXXX. I wasnt available to answer the call so someone named XXXX left me a message. I called him several times and have not received a call back. Today, XX/XX/XXXX, Ive been on hold for two hours and counting trying to get this resolved and get the money back into my account. 

I hope you can help me. This is a lot of money and it shouldnt take this long to be resolved when its an obvious fraud case.
Product: Credit reporting, credit repair services, or other personal consumer reports

List of violations ; In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending letters on and off to TransUnion since XX/XX/2019. I have attached all letters sent along with the certified mail receipts. I filed a complaint with the CFPB on XX/XX/2019 ( complaint # XXXX ). TransUnion responded After careful review, we have determined your complaint includes a dispute of information appearing on your credit report ; therefore, we have forwarded your complaint to our customer relations center for processing. You will receive your results within sixty ( 60 ) days from the date you submitted your complaint to the CFPB I am still yet to receive a response for my complaint or a response from any of my dispute letters. TransUnion has not followed through with their responsibilities and I have wasted a significant amount of time trying to get them to respond. This is my last attempt at contacting them before reaching back out to my Lawyer, I have done everything he recommended.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, am acting on my own as a natural person and consumer. 
There is information on my consumer report that is a result of identity theft. Per 15 U.S. Code $ 1681c-2 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 the alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. 
Please delete these items listed below IMMEDIATELY! 
NAMES XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX | XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXXXXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX These identified accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under 15 U.S Code 1681b - Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my behalf or consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. You are required to do what l am asking of you and delete these accounts listed above. I look forward to your response. Thank you, XXXX : XXXX XXXX XXXX UCC 1-308
Product: Checking or savings account

I have been going through the same ordeal with wells fargo for so long. I'm tired of dealing with it. The funds get low then they automatic switch and overdraft. Then it keeps goings. I'm told I can't leave unless the fees are paid, yet I can't spend whT isn't there yet the account just changes. The balance keeps going lower and lower, then it hops negative from nowhere. It did it again. A -XXXX  to a negative XXXX  something. The woman said the charges should be all going through and are pending. But the amount is increasing with no recent swipes by me. It makes it i.possible to break away from them.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXXXXXX XXXX {$5300.00}, XXXX Account XXXX XXXX date opened XX/XX/XXXX bal. {$770.00}, XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXXXXXX XXXX Services Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXXXXXX Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$0.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX XXXXredit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.