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

I am filing this complaint because Experian has ignored MULTIPLE requests to provide me with the documents that their company has on file that was used to verify the accounts I disputed. 

On XX/XX/2020 and XX/XX/2020 I have submitted complaints against Experian about the failure to reinvestigate my dispute. The response Your CFPB complaint regarding your reinvestigation does not appear to have been sent directlyby youor to be authorized by you. 

This is to confirm that this is sent directly by me.
Product: Debt collection

XXXX bill that is not mine I never lived in NJ nor had a XXXX bill In my name
Product: Credit reporting or other personal consumer reports

I am distressed that this Bureau ( TRANSUNION ) has included this information in my credit report profile and I have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report they publish, just to favor the credit companies. In this sense, and 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. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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 an 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 ) ( a ) 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. I request delete the not authorized hard inquiries below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. despite using Zelle, numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. they informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB findings indicate that Zelle has not only neglected to protect consumers, but has also allowed repeat offenders to exploit the system, leaving userss vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card or prepaid card

I applied for the Hilton Surpass Card on XX/XX/XXXX, I applied with the welcome offer of XXXX points under the condition that I meet the spending requirement of {$5000.00} within the first 3 months after account opening. I had met the requirement in time. But I when I called in on XX/XX/XXXX to request the points after I fulfilled my requirements, I was told that I was not qualified for the welcome offer points. I talked to XXXX and XXXX and they told me my request would be transferred to a different department for further investigation. ( on XX/XX/XXXX, I called in to resolve some issue, but the representative cancelled my XXXX credit card without my authorization. I called back to reopen my account and got a new card with different card number. I think it might be the reason why the system couldnt process my welcome offer points because it might read the reopening action as duplicate accounts, which disqualify automatically. ) On XX/XX/XXXX, I spoke to XXXX, she informed me based on the result of the investigation, the points will not be granted. The reason was based on my past credit card experience. But according to Amex 's disclore towards the offer, " Welcome offer not available to applicants who have or have had the Hilton Honors Surpass Card or the Hilton Honors Ascend Card. American Express may also consider the number of American Express Cards you have opened and closed as well as other factors in making a decision on your welcome offer eligibility. '' I ony had 1 AMEX blue card other than this Hilton card wand it was opened 13 years ago back in XXXX. It approved my application without any warning or notification saying that I was not qualified for the welcome offer. And it misled me to believe that I would receive my welcome offer by mailing me the card and documents without any written notice regarding the disqualification decision. When I called in XXXX and XXXX asking different questions regarding the welcome offer associated with my card, nobody had ever informed me that I was not eligible to receive it. I tried my best to spend {$5000.00} within 3 months to meet the requirement to get the points to only find out they would not honor their offer as advertised.
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE STOLE MY ID AND SOCIAL SECURITY NUMBER AND USED IT WITHOUT MY CONSENT AND KNOWLEDGE. THEY ALSO USED MY ID TO OPEN AN APARTMENT LEASE IN MY NAME. THEY ALSO OPENED UP A MOBILE PHONE SERVICE ACCOUNT AND RECIEVED MEDICAL ATTENTION IN MY NAME AS WELL. I AM WRITING TO REQUEST AND INITIATE A FORMAL COMPLAINT AGAINST EQUIFAX, XXXX, AND XXXX CRA & # XXXX XXXX ON XX/XX/2021 I MAILED EQUIFAX, XXXX, AND XXXX TO BLOCK FRAUDULENT INFORMATION BEING REPORTED, ACCOUNTS FOR WHICH I AM A VICTIM OF IDENTITY THEFT, ( ATTACHED ). THEY HAVE BEEN UNWILLING AND/OR UNABLE TO AN ADEQUATE INVESTIGATION AND/OR FAILED OR REFUSED TO BLOCK USAGE OF THESE ACCOUNTS BEING REPORTED. PLEASE CONTACT THESE AGENCIES AND INITIATE A FORMAL INVESTIGATION INTO POSSIBLE VIOLATIONS OF THE FAIR CREDIT REPORTING ACT OR FAIR DEBT COLLECTIONS PRACTICES ACT. I WILL ALSO BE CONTACTING THE ATTORNEY GENERAL AND POSTAL INSPECTION SERVICEFOR OTHER POSSIBLE VIOLATIONS OF THE LAW.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has agreed to remove this inquiry from my credit report due to identity theft. I have spoken to them and they informed me that all three credit bureaus have been notified of this. 
XXXX XXXX XXXX have already removed this inquiry from my credit report and TransUnion still has not removed this inquiry from my report and a significant amount of time has passed. XXXX XXXX identity theft department has notified me that all Information regarding this matter has been reported to all three credit agencies to remove this inquiry and TransUnion has refused and failed to do so.
Product: Bank account or service

I responded to an promotion from SunTrust Bank to open a new checking account. The promotion was to award me {$200.00} when I had performed a direct deposit of at least {$2000.00}. I did XXXX such direct deposits within the first 60 days, yet SunTrust has not awarded the bonus. The " Promotions '' department says that I do not qualify but will provide no reason why. The local representative at the bank has said that according to his records, I do qualify. I have not received a promised call from the person responsible for this promotion with final resolution. The bank owes me {$200.00} and has not paid it.
Product: Credit reporting or other personal consumer reports

I disputed the XXXX  XXXX account ( Account # XXXX ) with Experian on XX/XX/XXXX, but Experian verified the account without providing tangible proof as required under FCRA 15 U.S.C. 1681i ( a ) ( 7 ). 

Experian is reporting conflicting and inaccurate data, including : Date of Last Activity : XX/XX/XXXX ( not matching other reports ). 
Last Payment Date : XX/XX/XXXX ( conflicting with XXXX ). 
Credit Limit : {$1300.00} ( XXXX reports {$0.00} ). 
Creditor Remarks : Account has been closed due to inactivity. Unpaid balance reported as a loss by the credit grantor. 
Under 15 U.S.C. 1681e ( b ), Experian is required to maintain maximum accuracy, and per 15 U.S.C. 1681i ( 5 ), unverifiable accounts must be removed.
Product: Credit card or prepaid card

I have 2 credit cards from CHASE : one VISA and one MASTER CARD. I applied for CHASE British Airway Visa credit card on XX/XX/XXXX. I received a letter letting me know that they could not confirm my information on the application against my current credit cards information with Chase and I need to provide a proof of Date of Birth and current Address reference number XXXX. <P/>I came to Chase bank 2 times to have them fax my passport and my driver license to the fax number provided on the letter. I also mailed a copy of each document to the address provided on the letter. <P/>I received another letter letting me know that Chase had a concern that someone may be using my personal information fraudulently and need to call Chase to confirm if I was the person submitted the application in 30 days from the date of the letter on XX/XX/XXXX. <P/>I called Chase today XX/XX/XXXX to confirm that I submitted the credit card application. The person from fraud department was able to verify my information and there was no fraudulent activity. <P/>However, they told me that everything is fine but they had closed the application and I have to reapply. <P/>There has not been 30 days from the date of the application XX/XX/XXXX nor from the date of the communication letter of XX/XX/XXXX and all of the requested information / documents being verified. <P/>Why did they close my application and I have to re-apply? <P/>There was a hard pull on my credit profile and damaged my credit profile due to this application denial.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I received a notification on my phone about an attempted purchase through my Pay Pal account. The attempted purchase, was for a total of {$890.00} for which I did not recognize nor authorize. I responded to the Alert accordingly, and assumed it would be the end of it. Unfortunately, Pay Pal decided to let the purchase go through ( Trans ID : XXXX ), even though my response was recorded that I did not authorize. As such, the transaction went through ( XXXX XXXX ) and processed the fraudulent order. 

A few days later, after selling some items on XXXX that processed through Pay Pal, there was a Negative Balance owed of {$890.00} to my surprise. Not only were the funds from my XXXX sales held, but Pay Pal is showing I owe a balance on this purchase that should never been allowed in the first place. Not only that, the proceeds from the XXXX sales that were held, were then applied to this same fraudulent transaction that has put my account in the negative. 

I've spent weeks and months at this point, speaking to XXXX XXXX, speaking to Pay Pal, and speaking to my Bank. Nobody has taken accountability. Nobody has provided a resolution. In fact, the only thing Pay Pal has done is deflect blame and refuse to resolve this issue. 

I opened a case with XXXX XXXX, and discovered the fraudulent purchase was for an IPad that was shipped and delivered to a completely different state. I live in MA, this was sent to NY ( I have no ties to NY, nor was I in NY at this time. I have proof, as I have been battling XXXX XXXX here in MA for the last 4 months!!!!!!!!!!!!!! ) I've opened a case with Pay Pal XXXX XXXX XXXX, which was closed with the following resolution " Thank you for reporting this case. After reviewing your case, we found that this transaction was not unauthorized and hence couldn't be covered under PayPal Purchase Protection ''. Subsequent Case Details show the following : " Transactions not refunded. We have been unable to provide any refund on the transactions listed. '' So here I am, {$890.00} negative due to THEIR negligence. I am {$890.00} negative, after THEY sent me a notification about an UNRECOGNIZED purchase, to which I RESPONDED ACCORDINGLY to report the attempted FRAUD. 

How do you hold someone accountable for a purchase they never made that was clearly fraud, and reported as such, yet you allowed it to process anyways? 

What is the point in notifying people of these potential fraudulent transactions, if you decide to just let it process regardless of what someone replies anyways? 

I have suffered tremendously dealing with this company week after week while going through a hard enough time with XXXX and XXXX. 

I've exhausted all my options with this company. Tonight, I was on hold for OVER 3.5 HOURS. I have screenshots to prove it. Bounced around from person to person, with yet again, no accountability and no resolution.
Product: Credit reporting, credit repair services, 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

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 card or prepaid card

BofA has continuously charged me fees for random amounts despite my having paid off the statement balances, with no explanation. 
I want them to contact me directly with an explanation of their fees. 

Visa Signature Account # XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

my information was sold and bought illegally because i was a victim of the XXXX data breach. i want these items deleted from my credit reports effective immediately. i am attaching proof that XXXX has admitted that i was in fact a victim of this data breach and XXXX has done nothing. please help me delete these illegal accounts from my XXXX credit reports. 
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

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX XXXX, XXXX must validate these account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting account as unverified information without providing any proof within the period allowed by law. Below is the account that need to be removed : XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rightsto privacy and confidentiality under 15 USC 1681. 
ACCOUNTS : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Account # : - XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX ) Account # : - XXXX XXXX XXXX XXXX XXXX - Account # : - XXXXXXXX XXXX XXXX - Account # : - XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX ) Account XXXX XXXX XXXX XXXX Account # : XXXX _____________________________________________________________ INQURIES XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A . State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing a copy of my credit report I found items that are reported incorrect and inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following issues are incorrect : : - payment history history and amount - last reported date of activity This account has been charged off since XX/XX/2022 and XXXX  XXXX is still reporting negative items to to Experian credit report. Also, the account was charged off therefore according to the FCRA it is illegal to continue to report the following items : - Credit Usage - Balance - Past Due Amount - Credit Limit
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the item which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. Additionally, I was never late on this account, balance is incorrect. This is a good standing account. Please verify all information is 100 % true accurate and correct and is not untimely, unverifiable, incomplete or inaccurate. Please remove all negativity. 


XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance $ XXXX-Late/Open Late Date XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information that is currently being reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), credit reporting agencies are required to ensure the maximum possible accuracy of the information provided in consumer reports. 

The account in question is : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Type : Credit card Responsibility : Individual Date Opened : XX/XX/XXXX Status : Account charged off. {$3000.00} written off. {$3000.00} past due as of XX/XX/XXXX. 

Status Updated : XX/XX/XXXX Balance : {$3000.00} Balance Updated : XX/XX/XXXX Recent Payment : N/A Credit Limit XXXX {$2900.00} Highest Balance : {$3000.00} On Record Until : XX/XX/XXXX There are also inconsistencies in the payment history for this account, which I believe are inaccurate : Payment History : XXXX : Payments marked as late, progressing from XXXX to XXXX  days past due by XXXX. 

XXXX to XXXX : Continuous " XXXX  '' ( XXXX XXXX ) status reported every month. 



I believe that the information reported is either incomplete or inaccurate and may not reflect the current status or history of the account. I request that you conduct a reinvestigation of this account and verify its accuracy with NAVY FEDERAL CREDIT UNION. Please provide me with a written summary of your findings and correct any inaccurate or incomplete information as required by law.

In accordance with 15 USC 1681i, I request that this matter be addressed within 30 days of receipt of this letter. Additionally, I request a free copy of my updated credit report once the corrections have been made.

Thank you for your prompt attention to this matter. I look forward to your response and the appropriate corrections being made.

Iam also requesting a cease and desist order that will stop all communications that are reporting to the credit bureaus and phone calls until I receive a 1099C because u claim on my credit report that the debt was written off but i have not received no 1099C.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found on my credit report from XXXX that Citizens Bank of PA did a hard inquiry on my credit on XX/XX/XXXX. I did not apply for credit at that time. Also, XXXX had old late credit card payments from XXXX that they refused to remove. How long does late payments stay on report?
Product: Consumer Loan

I did not authorize any car dealership to do a hard pull from Capital One Bank.
Product: Debt collection

The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.