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

I have contacted the Bureaus XXXX  XXXX, and Experian, I have received confirmation from the US Bankruptcy Court Stating they did not furnish my personal information to the reporting agency. I demand to have this Bankruptcy removed from my profile as it is in violation of my rights and they have obtained my information without my consent from public records.
Product: Bank account or service

Chase bank was informed by a relative of mine I would be unavailable for a length of time due to being hospitalized and other events in my my life. They were asked to put a temporary hold on my account because transactions would be presented. All previously agreed upon. Chase ignored the request and let items be presented against my account resulting in profitable fees. Upon my return, I called chase. The Chase bank phone representative told me to please hold. The Chase phone representative seemed to have forgotten to push his mute button on his headset. I over heard his conversation with a co worker as he was expressing that I am a, " XXXX customer and XXXX veteran '' Chase reversed a small portion of the fees later but unfairly refuse to help further more
Product: Debt collection

I have submitted 609/verification of debt notices to co oper adjustments several different times. All letters sent to validate debt were indeed sent certified mail to ensure they received them. I never received any validation for this unknown debt only for them to add interest to the debt,
Product: Checking or savings account

I am XXXX y/o, legally XXXX and discovered on XX/XX/XXXX that I was the victim of elder financial XXXX. My grandson who lived with me wrote a fraudulent check from my account for {$1400.00} to his own company ( his company that he rarely provided services to anyone. He essentially wrote a check to himself. ) I reported the fraud at the local XXXX Bank of the West branch that day. Initially they credited the account the amount of the fraudulent check. A few days later they sent an email from the branch saying the claim was denied because it was late. I attempted several times to ask why it was considered late I was just sent the terms and conditions with a highlighted section that says the claim must be filed within 30 days of getting a statement with the fraudulent check on it. I called the " XXXX '' number and was told that I had to deal with the local branch. I emailed the local branch and stated that the check was written on XX/XX/XXXX. The check showed on the statement that closed XX/XX/XXXX. Statements then arrive on or about XX/XX/XXXX. I reported the fraud on XX/XX/XXXX. I told them that would be within the 30 day requirement. They said they would refer this to the regional office. a person from the regional office called twice and left a message. I called back at least 3 times and have not heard back from the regional person. 
Also the financial XXXX  made 35 electronic transfers through the bank 's XXXX starting XX/XX/XXXX. The XXXX transfers were from my checking and savings account into my grandson 's XXXX account. The total of the transfers was approximately {$18000.00}. The transfers often happened in succession. On XX/XX/XXXX, he made 8 transfers of {$450.00} each. I also reported this to the local branch on XX/XX/XXXX and filed a electronic transfer fraud claim. I found out on XX/XX/XXXX that bank staff did not fill out the form and I needed to fill out a form. I returned the form on XX/XX/XXXX. I haven't heard the outcome and concerned that they will use the XX/XX/XXXX date as the date I notified them of the fraud. All of the reported fraud would have been reported within the 60 days. Also, the bank did not intervene when there was obvious fraud occurring ( XXXX {$450.00} transfers in one day on XX/XX/XXXX ) I did get an approximate {$7000.00} credit last week but have no idea what that is for and don't know if that again is a temporary credit while they investigate. The {$7000.00} credit is not even half of the total of fraudulent transfers. 

The Branch Office staff are friendly and nice but they do not know how to handle reports of fraud. When I ask questions they call the corporate office and then relay the information third hand. Very frustrating and ineffective way to communicate.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX did not try to resolve the issue. Someone had gotten my information and tampered with my lease on my car.
Product: Credit reporting or other personal consumer reports

Equifax has dropped my credit score unjustifiably, XXXX points since I started my dispute. My score should be at XXXX. While providing corrections to my account the decrease in point progressed from XXXX, XXXX, XXXX, and XXXX. I am a victim of consumer exploitation thru the pandemic and I have notified all three credit bureaus to only provide information on my credit report in accordance with the fair credit reporting act. They have not provided a report as my written instructions described. They have only provided a consumer report against my written instructions. My written instructions were not unreasonable. Only asking to removed accounts that were illegitimate. They have not provided a proper report in accordance with section 604 ( 2 ) permissible purpose of consumer reporting ( 15 U.S.C as 1681b ).

Although I have not received confirmation from the CFPB that equifax has completed my dispute I believe they have completed it because XXXX and experience have given me completed results to all my disputes whoever unsatisfactorily. 

I request that equifax correct the decrease in scoring so that my credit score reflects a score of XXXX or higher and make adjustments to my report as I will provide by mail in the next few days
Product: Money transfer, virtual currency, or money service

I have tried to connect with XXXX to help save money and prevent overdraft and it says that they can no longer link the accounts due to PNC not letting it happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed inaccurate information that's on my credit report my XXXX XXXX  XXXX opening date says XX/XX/XXXX on my TransUnion and XX/XX/XXXX how can my information be verified and it's reporting XXXX different information my payment history on TransUnion and XXXX is not accurate with each other and it's not all listed date last active on TransUnion is XX/XX/XXXX and XXXX it's XX/XX/XXXX violation of the fcra needs to be removed immediately My XXXX  XXXX XXXX has inaccurate information date open for TransUnion is XX/XX/XXXX date for XXXX is XX/XX/XXXX Last active for TransUnion is XX/XX/XXXX XXXX is XX/XX/XXXX there's no payment history in TransUnion how can it be verifed from XXXX XXXX showing different information needs to be deleted immediately violation of the fcra
Product: Credit reporting, credit repair services, or other personal consumer reports

I called and spoke with someone a few weeks ago at Equifax explaining that I had a bunch of attempts on my credit report where someone was trying to open accounts in my name. I was told to send in an id theft report which I did then they told me that there were no dates on the report and I would need to resubmit the documentation with dates. I have everything that I was asked to provide on the attached ID theft report. I hope the person that I spoke with was telling the truth & they delete these things.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a few accounts on my credit report showing late payments that I don't believe I was ever truly late on! I disputed this with the bureaus on XX/XX/XXXX to try to remove these or even get clarification from the bureaus/creditors why they were reporting me late. I never received any communication from anyone so I attempted again on XX/XX/XXXX. Once again, still no responses or communications from anyone. So now I am filing this complaint because I do find it hard to believe that the bureaus wouldn't communicate with me in 4 months. This is hindering my future immensely!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX 15 U.S.C 1681 SECTION 602 A. STATES I HAVE A 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has only been a few years since  XXXX   XXXX  ;    XXXX   XXXX   XXXX   XXXX   XXXX    ; and   XXXX   XXXX   agreed to not conduct any further fraud upon the public.      XXXX  months ago our credit card was ordered to be closed and the balance was paid, in full as agreed upon.     However, in  XXXX  of this year    XXXX   XXXX   XXXX    began billing on the behalf of  XXXX   XXXX  and   XXXX   XXXX   XXXX   XXXX   XXXX   for a renewal fee. I was out of the country and did not see the  XXXX  months of billings with finance charges in our mail.   XXXX   XXXX   was immediately contact and ordered to withdraw any negative reports to all   XXXX   credit bureaus ; immediately cancel any further billing and finance charges on a card that was no long open and useable ; immediately send a letter of apology from all three corporate offices. The only order completed was the discontinued billing and removal of any charges. The company continued to report adverse credit to all   XXXX   agencies.      XXXX   XXXX  has on occasion refused to answer phone calls transferred to a supervisor.     We feel these companies should be prosecuted criminally. Be advised we did not authorize electronic billing at any time.     Regards,   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , NM  XXXX   XXXX  Last  XXXX  numbers on the account :  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In the last few months I'm getting application letters denied by requesting credit cards that I haven't applied for and that affects my credit. XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX and Credeco/ XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a joint account with a family member who signed for me with XXXX XXXX XXXX XXXX they kept taking more money out of my account monthly and I purposely had them get my car back because the car was junk ... .they kept charging me for a car I didn't have and have not hear from them in years now that I'm trying to get my credit fixed with XXXX XXXX now they come back putting negative comments on my credit report alot of times The credit repair people got them off the report but they came back and redid the negative so now it's still their. They are abusive and determine to ruin me and it's causing me mental breakdowns it's a nightmare with that company ... they unauthorized charges and it's different charges which is a descrepency and if that is it's gains the fair credit act and it's illegal please help me with this monster of a company
Product: Debt collection

Upon pulling a copy of my credit report I was able to access a series of erroneous information that had been compiled. One of those items was from Sun Loan an entity in which I have never had services. I have repeatedly attempted to contact Sun Loan per the information on my credit report in order to get verification of the loan but to no avail. Upon speaking with customer service representatives I have been advised that it is a debt from 2019 and was charged off but apparently the debt is still in house and has not been transferred to a third party. Yet when I request documentation regarding the validity of this debt due to it appearing as fraud I am not provided with any information. I have contacted corporate offices and their fraud department in order to attempt to get further clarification regarding the matter but none has been provided. The only thing that I have been advised is that the original amount of the loan was supposedly {$150.00} but since it has yet to be paid that the balance is now {$310.00} but yet I still haven't been provided documentation regarding the debt and have since disputed it as Fraud.
Product: Credit card

On XX/XX/year>, I was a victim of ID theft. The criminal purchased apple product in the amount of {$2500.00}. Stole {$3500.00} from my bank account, took out a loan in the amount of {$3200.00}. All financial providers settled the dispute except for Goldman Sachs, who continue to claim that I am responsible for this theft. 

I have repeatedly tried to resolve this with them direct to no avail. I have no where to turn except for this venue to help me resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute 6 dismissed bankruptcies that don't belong to me on my credit report with Equifax. Equifax claims that they verified these bankruptcies with the creditor. Equifax is the only credit bureau reporting these bankruptcies. The creditor is the US Bankruptcy Court, who DO NOT verify anything with 3rd party vendors such as Equifax. According to the FCRA, Equifax is supposed to verify accounts directly with the creditors to provide accuracy. However, Equifax says they verify account information through XXXX XXXX, which is a 3rd party vendor not the creditor. Therefore, Equifax is unable to directly verify my correct information because only partial information, such as, social security numbers are available. If Equifax can not accurately verify information from the actual creditor then they must delete these bankruptcies because they are violating my rights under the FCRA. Equifax is reporting inaccurate information that they can not legally verify. Equifax needs to delete these bankruptcies from my report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an XXXX XXXXXXXX female and I signed up for a COVID19 related program with Bank of America. I was given the month to start to pay again so when I paid when the lady to me the pay they said my account was pass due bc the total amount was not paid. I explained that it was a misunderstanding and that I have never ever been late & that I pay more than minimum sometimes but it didnt matter. Anyone, can make an error, Im old but am a good customer and should not be punished for a misunderstanding. It was their error and their responsibility to notify me by email when the program was ending an payment would be due. Now that they corrected my account, they will not Correct my credit. My credit history speaks for itself & one misunderstanding shouldnt cause me to have bad credit. We are struggling and I notified them, I didnt just stop paying ... its a PANDEMIC! I would appreciate any assistance that you can give me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started this process in XX/XX/XXXXwhen I pulled my credit report and seen all of the student loans listed. Some to XXXX and some to Department of Ed with incorrect balances and incorrect late payments. I started on my journey of trying to get those corrected and disputed with the credit bureau and has been unable to get any assistance the accounts just come back as verified. I contacted both the department of ed and XXXX and I have yet to hear back. All of my loans were closed and refinanced in XX/XX/XXXX into one loan. I was in school off and on through the years getting my degrees and never was our of deferment due to being in school. I have been unable to get any feedback on those late payments for XXXX when I was in school before my loan was sold. The Department of ED shows I have 7 accounts with the same account number of XXXX and 3 with account number XXXX. Some of which show a balance which they should not because all of my loans were consolidated. They all show different open dates even though they were transferred from XXXX at the same time. All of the accounts listed under XXXX show a balance of XXXX and the account numbers with XXXX show a balance of XXXX. I reviewed all accounts with XXXX and I have only ever had one account with an amount of {$5200.00} and only one with {$3100.00}. I am not sure what is going on. they still show balances. Show charged off with balances even though I looked on the XXXX and all of my loans are through fed servicing now. Even though they show charge off they also reported a 120 day late for XX/XX/XXXX even though they were sold at that time. This is all confusing and I have gotten no where with getting any of this fixed. No help from the credit bureaus or the company or the ombudsman from the company. I have yet to hear back on any of my disputes on these issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

The FCRA states that all information reported on a credit report must be 100 % accurate or it must be deleted from the credit report. I sent letters to all bureaus to regarding XXXX ( Original Creditor : 11 XXXX ) account. I asked to update, fix or delete this account because of the inaccurate information they are reporting on my credit report. They said it was verified and nothing was done to my report.Account is listed as collection / charge-off. It's showing a balance of {$980.00}, per the FCRA this is a violation, balance should be {$0.00}. 

Date Opened : Inaccurate Balance : Should be {$0.00} Date Last Active : Inaccurate Date of Last Payment : Incomplete
Product: Debt collection

I want to dispute this debt because this debt is wrong. The Assistant Community Director reached out to me via email and said, Ok since it was no notice given, you will be charged a for rent in XXXX plus a retlet fee of {$800.00} and an early termination fee of {$940.00}. Also, a trash out fee of {$150.00} since it was furniture left in unit. I will send your final account statement shorlty. Thank you. She never sent me a final account statement for me to make a payment or reached back out to me. Today, I just received a letter from XXXX stating I owe Residence at XXXX XXXX XXXX {$2900.00} which doesnt add up.
Product: Credit reporting or other personal consumer reports

This is my complaint, I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : COLLECTION : Repossession XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit card or prepaid card

In XXXX XXXX I opened an Ashleys card by synchrony bank. I purchased a sofa with my card and have made timely payments and have never been late. I kept some credit on the card in case I wanted to buy more furniture, however, Sychrony bank kept decreasing my available credit. To the point where I now had only {$600.00} in credit when initially, I had a {$2500.00} credit limit. Yet, I kept making timely payments. After I made XXXX payment, they added a {$900.00} interest rate charge to my account and over charged my account and this made my account go over limit. This isnt right, just overnight, they took away any remaining credit I had on this account. My balance was almost paid off and now this did this crooked transaction. This isnt right, I have other credit cards and Ive never had this happen. I promptly closed my account with these crooks.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous disputes regarding the inaccurate and invalid negative account still being reported on my credit report. The account in question is being reported across all three credit bureaus with significant discrepancies, as demonstrated in the attached documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the 2015 OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance XXXX {$1400.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX