23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX, the company, had refused to even concede the reporting was incorrect. I had been disputing late charges for the year XXXX since XXXX of XXXX. 

XXXX refused to even act for 9 months dating back to my original dispute of XX/XX/XXXX. 

XXXX provided written documentation, reasserting the erroneous reporting was CORRECT most recently in XXXX of XXXX. 

XXXX continues to claim their reporting was accurate, and stating the problem was the result of Equifax incorrectly posting XXXX delinquencies in the year XXXX. 

Equifax adamantly denies this and states they can not, and will not, make the corrections without the appropriate reporting from XXXX. 

XXXX continues to insist their reporting is accurate, yet 9 months later, four CFPB complaints later, XXXX claims to have sent correcting documents to Equifax... 

Today is XX/XX/XXXX... I am still showing delinquencies reported by XXXX on an account that was PAID IN FULL, four years prior. 

XXXX is blatantly lying about their culpability and their lack of response. 

I will continue to generate CFPB compalints until this problem is resolved..
Product: Credit card or prepaid card

Wallet was stolen while at a store. Credit Cards were used by a thief that was later arrested. All Credit Card companies released liability of card holder, except Home Depot. 
Call was made to Home Depot the day of the theft to cancel the card and report theft. Home Depot was given the XXXX Police Department case number, During said call on XX/XX/2020 at XXXX XXXX XXXX XXXX EST. Along with detailed info about wallet being stolen while out shopping. The Home Depot Card was used by the thief that day. 
Letter received from Home Depot dated XX/XX/2020 Stated that they will review the fraud claim and the card holder is not responsible for anything until they render their decision. 
Letter received from Home Depot dated XX/XX/2020 Stated that after their review, the card holder is responsible for the full amount of the charges exceeding {$700.00} USD. 
Home Depot certainly knows the liability cap as per CFR 12 on stolen credit card physical usage reported within twenty-four hour 's to the credit card company is {$50.00}. 
I have called Home Depot today after receiving last letter in an attempt to resolve this matter. XXXX XXXX XXXX. I spoke with XXXX XXXX XXXX XXXX. She acted surprised like Home Depot hadn't received any of the Police Case numbers or information that a wallet theft was the case. ( Which they were given when first reported on XXXX XXXX ) However I was informed that I was now liable for all charges and interest until another review and decision was rendered. I asked and was denied any additional contact information : ( ex. email, last names, supervisor contact etc. ) I was informed that it will take seven to ten days for another review, possibly up to 90 days. 
I am the victim of a reported crime and feel like I am being re-victimized by Home Depot by being told that I am liable for charges that I did not make. I also explained to their rep today that they can file for restitution through the XXXX County State Attorney 's Office because the thief was arrested, which they told me they don't do. 
XXXX Police Case # XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX I request that the CFPB investigate this matter. I would also like for Home Depot to release me from these unauthorized charges as per federal laws and for Home Depot to waive any and all fee 's included in this case. Also Home Depot should require  Identification on any credit card purchases at the counter over XXXX XXXX Dollars.
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding the handling of my credit report by TransUnion, XXXX, and XXXX. Despite my multiple requests for re-investigation, the inaccuracies on my credit report have not been resolved, and the previous complaint was closed without proper action taken to address the errors. 

These credit bureaus are in violation of the Fair Credit Reporting Act ( FCRA ), particularly : FCRA Section 1681i ( a ) ( 1 ) The credit bureaus failed to conduct a reasonable investigation of my dispute, leaving inaccurate information uncorrected on my credit report.

FCRA Section 1681e ( b ) The credit bureaus did not follow reasonable procedures to ensure maximum possible accuracy of the information they reported, as they allowed inaccurate information to remain on my report.

FCRA Section 1681c ( a ) ( 5 ) The credit bureaus continued to report outdated information, as the date of last activity on certain accounts is incorrect, violating the law regarding the reporting period for negative information. 

Due to these violations, I request that the CFPB investigate the matter and ensure that these credit bureaus follow the necessary steps to correct the inaccuracies and comply with the law.
Product: Money transfer, virtual currency, or money service

I have been using Zelle each month to send my rent to my landlord. When I first started using it in 2023, my landlord told me that I had been sending it to the wrong account for their rent payments. It was then that I figured out you can't get that money back and Zelle doesnt ask to confirm which account you are sending it to.
Product: Credit reporting, credit repair services, or other personal consumer reports

On X/X/2017, I went on www.equifaxsecurity2017.com. I was notified that I may been impacted by the recent hacking incident to Equifax. I am aware that hackers might have my Social Security number, my birth date, my address, and my drivers license numbers.
Product: Consumer Loan

Chase Auto Finance did not post my payments, has been charging me late fees for years and now repossessed my car. Do not do business with these crooks!
Product: Checking or savings account

I am trying to recover money that was taken from my checking account by citibank and wired to an unknown person. I have been a Citibank Priority customer for more than 30 years and have never used their wire transfer services. 

On XX/XX/22 at XXXX I received an email alert from citi that I had added a new payee ; at XXXX I received an email alert that I had been successfully enrolled in wire transfer services. There was a note on email that if I hadn't enrolled, I should call them. I immediately called. 

While on hold and simultaneously online, I watched as three transfers for a total of {$2500.00} were made to a stranger, XXXX XXXX, at XXXXXXXX XXXX  XXXX XXXX XXXX XXXX in XXXX. 

When Citibank answered, I told them that the transfers were unauthorized and fraudulent. I asked to be transferred to their fraud department and reported to " XXXX '' what had happened. She transferred me to another person and I again relayed my story. I was told Citi would investigate and get back to me. I also asked that I get a copy of Citi 's written records adding the new payee and authorizing the wire transfer. I have not received either. 

Over the next couple of days, I put a hold on my Citi accounts, went to my local Citibank office and spoke with my personal banker ( and she told me I was the 3rd person that day to have been victimized by the same wire transfer transactions ), went to the XXXX and filed a report for Grand Larceny, called Citi 's Global Cash Investigation group and filed three notarized affidavits of unauthorized online wire transfers.

Although it's been 3 months, about 10 branch visits and 30 phone calls, I have not received written notice of the disposition of my case. Nor have I been shown written records of the fraudulent transactions. Upon calling the XXXX XXXX XXXX XXXX, I was told I would not be repaid b/c the receiving bank no longer had the funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a checking account at Bank Of America.I I had a friend who was in XXXX working on oil well who requested help getting medication.and supplies via bitcoin. The funds were sent to the finance dept at the oil company. The bank raised a red flag and it was investigated. There was absolutely no fraud I was assisting an ill man get desperately needed medication from an illness of inhaling dust fumes over long period of time from his work.Bank Of America closed my account on XX/XX/2021. 
There is report of suspicion of fraud on my credit report. I am not able to open a new bank account at any other bank now. The manager at XXXX XXXX XXXX told me to get a letter from bank of america stating there was no fraud but they refused. 
I want to open a business and can not begin to achieve this unless this negative report is removed quickly
Product: Credit card or prepaid card

I contacted Chase bank to delay the payments on my credit cards as my business went to single digit occupancy due to COVID 19. I was told that there would be a forbearance on my statement balance in terms of NOT Late payment fee and interest charges ( interest charges will incur but will be taken off at the time of making payment in full ). I only agreed to the agreement as I have an excellent payment history never late and payment always in full. I have made payments in full but they will NOT waive the interest charges off according to what I was told at the time of asking for delay in payment due to COVID 19.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ndendeavor 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 an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$45.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have 5 credit card 1 XXXX XXXX  charge me over pay 2 barclays jet blue card I`ve been paid one year my balance is not goin down I call tehm they told me for let fee and chrge I have credit card XXXX XXXX XXXXXXXX i need help to pay my all the cridit card plesse help me
Product: Checking or savings account

I filed a claim with Chase/XXXX in XXXX when a fraudster somehow got my Savings account information and used it to deposit money into his XXXX account. It was multiple transactions which totaled almost {$15000.00}. I got about {$1500.00} of it back. When I filed the claim, I was told by XXXX that it was their fault, therefore it should have been easy for my bank to get back. I was given a pullback number which I gave to Chase. XXXX is currently saying there is {$12000.00} available for Chase to get back. Chase is saying they don't know how to do that and that it's XXXX 's job to send the money back. XXXX is saying the bank has to file an ACH return for that. Even today I was on the phone with XXXX and they're saying they've never received anything from Chase. I've gone back and forth with them and they just keep blaming each other. I've gotten no help and I don't know what to do anymore. Can you help?
Product: Credit reporting or other personal consumer reports

Someone has used my personal information to open 1 loan and 1 credit card under my name which are now reporting on my credit. I do not know who used my information but these accounts are unauthorized and were not opened by me. They must be removed from my Experian, XXXX, and XXXX credit reports! 

The following listed accounts have been opened using my personal information without my authorization : XXXX XXXX XXXX XXXX {$15000.00} XXXXXXXX XXXX XXXX XXXX XXXX {$25000.00}
Product: Credit card or prepaid card

I am writing this letter to file a complaint against PNC for repeatedly putting back the disputed information on my credit report. 

I have filed multiple disputes with PNC regarding incorrect information that was reported to the credit bureaus. However, despite my repeated efforts to get the information corrected, PNC has consistently failed to update my credit report and has instead put the disputed information back on my report multiple times. 

This has caused significant damage to my credit score and has affected my ability to obtain credit and loans. Despite my best efforts to work with PNC and resolve this issue, they have repeatedly failed to take the necessary actions to correct my credit report. 

I request that PNC take immediate action to correct my credit report and remove the disputed information once and for all. Additionally, I would appreciate it if you could provide me with written confirmation that this matter has been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in contact with XXXX XXXX since XX/XX/XXXX when I discovered that my account was listed on closed/charged-off on my credit report and not reflecting monthly payments and the account being open and paid on time. I have spoken to multiple customer service representatives starting in XX/XX/XXXX and most recently on XX/XX/XXXX, in which they have been unable to assist. All of the customer service representatives have stated that my account is current, paid, open, and never been a charge off or repossessed ; even when I escalate it to customer service management. I sent a letter via certified mail to XXXX XXXX in XX/XX/XXXX requesting for the account to be updated on my credit report. On a letter dated XX/XX/XXXX, I received a letter from XXXX XXXX in response to my certified letter apologizing for the mistake and that the account payment history and status would be updated to reflect Current/Open and paid on time ; however, this issue has been yet to be corrected. Most recently upon reviewing my credit report in XX/XX/XXXX, they have shown the account as being closed as of XX/XX/XXXX, which is not true. The account is open and paid as agreed, in which most months I have overpaid to pay down my balance so that I can get rid of XXXX XXXX   altogether and have the vehicle paid off. As the customer service representatives have all stated, this vehicle and my account has never been repossessed nor charged off and the account is open and current. XXXX XXXX is taking advantage of consumers and refuses to correct their errors, only wanting to collect money and not be of any assistance. I also know that I am not the only consumer that has had this error from them, as I have spoken to 25 other individuals that are experiencing the same issues with XXXX XXXX incorrectly reporting to the credit bureaus while their internal systems say otherwise.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States that

I have a right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account witho
ut my written instructions
Product: Bank account or service

I opened an account in 2014 with BECU that came with a free credit line for working with XXXX. Earlier this year I hit a snag with my paycheck at my job being switched and used the card as an emergency resource to eat. 
I thought I had the balance covered from having money taken out of my account, but when my card was going through I was told that when my balance was low, it was actually pulling the rest of the cost from the credit line. 
When I discovered this was happening, I called BECU and requested that this feature be turned off. By this point my credit line was closed because my checking account was {$0.00} and was unable to make the automatic payment to the credit line each month. This was about XX/XX/XXXX. 
Fast forward to this summer and I received a call from a company working for BECU saying that my card was compromised and was billed for a charge in XXXX. At this point I 'm trying to pay off the credit line and this pops up and drains my account. I found out that my checking account was n't able to cover the balance and that a portion of the fraudulent purchase was pulled from the saving account this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts. Please remove it. Thank you.
Product: Consumer Loan

I was involved in a accident which created a hard ship we are trying to pay on this thru a debt consoliation and sometimes have to skip or extend the payment but the advance financial company keeps calling creating us more stress than we already have, can they be contacted about this we are doing our best.
Product: Credit reporting, credit repair services, or other personal consumer reports

back in XX/XX/XXXX I trade in a XXXX XXXX XXXX for a XX/XX/XXXX XXXX XXXX to XXXX, TX XXXX and was told by the dealer not to make XXXX payment because it would mess up the pay off amount. I also at the time did have possession of the XXXX which was being financed through XXXX XXXX. Needless to say I looked at my report and XXXX XXXX had me reported as delinquent for the month of XXXX despite the care not being in my possession. I disputed it twice with XXXX XXXX with no resolution. I also disputed it with experian and they came back saying XXXX XXXX is correct despite it showing on my credit report that I had another at that time frame. I call experian about this issue and they told me that XXXX XXXX was responsible and then I called XXXX XXXX and they placed the blame on the dealership. I feel that I have been the one did wrong during this situation. both companies were paid and I had something negative placed on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous complaint, Case ID XXXX, regarding inaccurate information on my credit report provided by Experian. It has been over 30 days and despite my efforts to rectify the situation, the issue persists, and I seek your assistance in resolving this matter. 

Upon reviewing the copy of my credit history report from Experian, I observed several inaccuracies that have a detrimental impact on my creditworthiness. I promptly contacted Experian to dispute and request the removal of this inaccurate information, but they have refused to take corrective action, asserting that your company, Experian, deems the reported data as accurate. However, I firmly believe that the information is indeed incorrect. 

Here are the details of the inaccuracies : Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX I reiterate that the inclusion of this inaccurate information is causing severe damage to my credit. I kindly request that you promptly investigate this matter and take the necessary steps to rectify the inaccuracies in my credit file. Additionally, please confirm with me within 20 days that you have contacted the credit bureaus to correct this information.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding several fraudulent accounts on my credit report due to identity theft. Despite my attempts to resolve this directly with the credit bureaus, the accounts remain on my report. 

These accounts were not opened by me and are a result of identity theft. Attached to this complaint are copies of my FTC Identity Theft Report and the Police Report substantiating my claim. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to block information that is the result of identity theft from my credit report. The presence of these fraudulent accounts negatively impacts my creditworthiness. 

Please investigate this matter promptly and remove the fraudulent accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

Laws you violated.

Upon checking my Account again the items listed below have not been handled correctly per Law.

Violation 1.

15 U.S.C 1681 ( c ) ( 5 ) these are adverse items on my credit report and I demand that you remove them.

Violation 2.

15 U.S.C 1681 ( e ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum accuracy. I have through previous letters provided proof of the inaccuracy of the Date opened, payment status, last reported, and date last active, and date of last reported. You refuse to remove or correct the erroneous report. 

Violation 3.

15 U.S.C 1681i After re-investigation and proof of inaccuracy you did not delete the items as per law. When an item is found to be inaccurate or incomplete or can not be verified you shall delete it.

Violation 4.

15 U.S.C 1681 ( B ) You are to provide contents in writing of the results of the reinvestigation, description of the procedure used to determine the accuracy etc. None of this was provided.

Violation 5.

15 U.S.C 1681l Violation 6.

15 U.S.C 1681n I never gave permissible purposes.

Violation 7.

Negligence to comply with the laws of inaccurate items.

Violation 8.

15 U.S.C 1681q Obtaining my information under false pretense.

I have sent previous letters to you stating your wrongdoings. I demand you remove these accounts from my credit report immediately or I will file litigation and Lost damages.

According to my research 15 U.S.C 1681, I have a right to accuracy and fairness when it comes to my credit report and thus far this LAW has been violated. You refuse to remove this negative Item from my credit report and obey the law. Also, according to 15 U.S.C 1681 ( h ), this has been another violation of invasion of privacy because I never gave XXXX the authorization to report anything in the first place. Another violation is defamation to me and my family by reporting false information that is not being reported. This act is has damaged my reputation and is causing me to get denied from moving forward with my life. It is also, a violation of 15 U.S.C 1681, because of negligence for not doing a proper investigation. It has brought major emotional distress to me and my family.