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

im a handicap senior in shelter found fraud collections on report thru credit karma and experian equifax claim they dont see this im demanding investigation due to freeze on all bureaus no one should not been anyway way for someone to apply for anything in my name im paying XXXX credit cards was XXXX now im in collections from some company source receivables management XXXX acct no XXXX snapshot dont know what that is with tmobile contact them demanded investigation in writting to me as to how they got my info to open this account for XXXX contacted police fbi wo and anyone else you may suggest to me working on XXXX XXXX XXXX XXXX  ... this is unexceptable to go thru this im trying to move please help
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXsold this information to the credit bureaus, Reporting public records when courts itself do not furnish any of this information! This is illegal so remove it or verify it with the court system. If no proof found, therefore it must be deleted. 

Bankruptcy Chapter XXXX-Dismissed : XXXX Bankruptcy Chapter XXXX-Dismissed :  XXXX Bankruptcy Chapter XXXX-Dismissed : XXXX Bankruptcy Chapter XXXX-Dismissed : XXXX
Product: Credit reporting or other personal consumer reports

My dispute portal was disable and I am not able to dispute information on the website. I have mailed information in to the address provided via certified mail and it has gotten returned to sender due to it being an incorrect address.

This corporation has invaded my privacy and violated the GLBA I demand a proper reinvestigation into this matter as damages have happened due to the this unfair reporting in pursuant to 15 USC 6801 ( a ) Privacy Obligation Policy It is the policy of congress that each financial institution has an affirmative and continued obligation to respect the privacy of it customers and to protect the security and confidentiality of those customers ' nonpublic personal information.

I never gave this corporation permissible purpose to report this information and they never clearly or conspicuously disclosed that they would disclose this account / inquiry further more they never gave me an opportunity to opt out of this account being reported in pursuant to 15 USC 6802 ( b ) opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third part unless -- - ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or electronic form or other forms permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; I never gave this corporation permissible purpose to report this information and they need to immediately remove all inquiries and accounts. I reserve my right to recourse under the FCRA and will seek remedy for all damages suffered.
Product: Credit reporting or other personal consumer reports

Personal information I am writing to report inaccurate employment information on my credit report. The report lists my employer as XXXX, whereas I have been employed like owner in XXXX XXXX XXXX. 

This discrepancy has adversely affected my financial standing, leading to [ describe any specific issues, e.g., loan application denials, unfavorable interest rates, etc. ]. 

I kindly request your assistance in correcting this error. Attached are copies of my credit report highlighting the incorrect information and a letter from my current employer verifying my employment details. 

I sent a letter to Equifax on XXXX XXXX, 2024 and ask them to investigate this but they still havent fixed this problem. 

I dont know what else to do. Can you look into this matter.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, I hereby request an investigation into these items and their subsequent removal from my report. It is my understanding that you will reassess the validity of these items with the creditor responsible for their inclusion. Please eliminate any information that the creditor fails to substantiate. I am aware that as per 15 U.S.C. Sec. 1681i ( a ), this reinvestigation must be completed within 30 days of receiving this letter. 

Kindly provide an updated copy of my credit report to the aforementioned address. According to the act, there should be no charge for this updated report. Additionally, I request that you send notifications of any corrections made to anyone who obtained my credit report within the past XXXX months. 

Thank you for your attention and assistance in resolving this matter.
Product: Credit card

Credit Card : US Bank XXXX XXXX XXXX in XXXX Account Holder Name : XXXX XXXX XXXX  Name : US Bank NA Date of Account XXXX : XX/XX/year> Annual Fee Charged : {$400.00} The bank closed my credit card account during XX/XX/year> without my request citing rewards program abuse after XXXXwo months of having an open credit card account. Despite the shortened usage, US Bank has so far refused to refund the annual fee. As the account is no longer active based on US Bank 's own actions, I believe this fee is unjustified. 

I promptly contacted US Bank to request a refund of the fee on XX/XX/year>. Despite attempts to resolve this matter directly with the bank, including phone calls, the annual fee has not been refunded. I was either redirected to different departments or provided vague comments that the person on the phone does not have the authority for such a matter. No resolution has been reached to date. 

I am seeking the CFPBs assistance in ensuring that US Bank refunds the annual fee of {$400.00} despite the account being closed after 2 months. This situation has caused unnecessary frustration and financial inconvenience, which I feel could have been avoided with proper handling by the bank. I trust the CFPB will investigate this matter thoroughly and assist in obtaining a fair resolution. 

Thank you for your attention to this complaint. I am happy to provide any additional information or documentation that may assist your investigation. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I placed an order online and the merchant charged me twice, billing my credit card as well as my PayPal, which according to PayPal, was my automatic payment method, which I never even selected. So the seller ended up charging both of my accounts. I showed PayPal proof of this via my other bank statement, and twice they closed my claim in the sellers favor, each time stating that no proof was given to show that I paid using another payment method. They are illiterate and incompetent!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 Transunion received from me a certified mail ( XXXX ) in which I am requesting to investigate information that is hurting my credit and in a clear violation to the federal law ... 

XXXX reporting a past due balance of XXXX in a collection account which represent a violation to the federal law ... 

XXXX XXXX reporting a past due balance in a collection account. 

The answer from Transunion was to sent me an updated results of their investigation and I attached the picture of the results where Transunion keep reporting a past due balance in collection account represennting a violation to the federal law .... 

I AM ATTACHING THE PHOTO WITH THE PROOF OF THEIR INVESTIGATION AND CIRCLE THE VIOLATION ... past due balance in a collection account is a Violation.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, an order on the XXXX website was made by mistake, the order was received on XX/XX/XXXX which was canceled the next day in the XXXX store located in XXXX CA. The refund takes about a week because this product belongs to third parties. This purchase was made with a XXXX XXXX credit card which reported an overcoming with this purchase, this purchase was really a mistake and the cancellation was made the next day that the order was received. This transaction no longer exists on the credit card but this was reported to the credit bureau which made XXXX points down my credit score. I would somehow like to solve this situation and receive these XXXX points again and that this transaction does not affect my credit history.
Product: Credit reporting or other personal consumer reports

After reaching out to SELF via email, I was told there was a remaining balance of {$120.00} on the Account with fees. I was told once paid my account would be updated. The update has not happened. 

Please see proof attached ....
Product: Mortgage

I have a loan through first national bank of omaha that originated in XXXX of 2007. The loan was for XXXX. I have been paying XXXX a month for the last 9 years for a total of XXXX in payments. I checked my statement as i am interested in selling the house the loan is on and I still owe XXXX. So out of the XXXX in payments only XXXX went to principle. I was not made aware during the agreement that this loan was so insane.
Product: Credit card or prepaid card

I was a member of Sam 's Club in XXXX, AZ for 1-year from XX/XX/XXXX through XX/XX/XXXX. I got a Sam 's Club Visa card through Synchrony Bank that gave me cashback rewards at Sam 's Club for using the card. My latest credit card statement shows I have a {$41.00} credit. 
I sold my home in XXXX and moved away from the Sam 's Club store such that it did not make sense to renew my Sam 's Club membership. 
I called Synchrony Bank on XX/XX/XXXX and asked how I get the {$41.00} cashback I'm due. They told me to stop at Sam 's Club and they would give me the cash. I stopped at Sam 's Club on XX/XX/XXXX. They said they would be very willing to give me the cash back ; but Synchrony Bank had not entered the credit in the computer. They gave me Synchrony 's phone number and told me to request that they enter the credit in the computer system. 
I called Synchrony Bank on XX/XX/XXXX speaking to XXXX and later his supervisor, XXXX. Both told me the cashback is only redeemable once-a-year in XXXX ; but they also said I would not be eligible to get the money because I am not still a Sam 's Club member. They said that is Sam 's Club 's policy. I argued that Sam 's was VERY willing to give me the cashback if Synchrony simply entered it in the computer. Sam 's Club even gave me Synchrony 's phone number. 
Both XXXX and later XXXX repeated the same story again. I asked them ; " so, you just cheat people out of the money you promised them? '' They insisted on making Sam 's Club the bad guy. I kept insisting Sam 's Club is VERY willing to do the right thing if they simply enter the credit in the computer. They kept saying, " No, they would not do that. 
What can the CFPB do to help me?
Product: Vehicle loan or lease

It's been over 30 days since i purchased the car cash in full and still have not received the title even though Florida statutes state the title must be received by the purchaser no longer than 30 days from the purchase date. I've gone back and forth with customer service too many times to count each time and told different things. I don't know why this has to be so difficult. The funds were taken out of my account a minute after I personally handed the cashier 's check to the dealer all I'm asking for is proof of ownership in return. I've submitted email requests; written requests done all they've asked with online forms etc. to no avail. It pains me that I even have to go this route but feel like I have nowhere else to turn.
Product: Vehicle loan or lease

Re : Account XXXX Vehicle : XXXX XXXX XXXX  XXXX XXXX XXXX : XXXX On XX/XX/XXXX, I purchased a XXXX XXXX XXXX  XXXX from Hyundai Finance XXXX The amount financed was XXXX at 5.75 % APR, to be paid in 60 months starting on XX/XX/XXXX. Payments were in the amount of {$380.00} a month. To be clear, this was NOT a lease! On XX/XX/XXXX, the car was involved in an accident, which was a total loss. Our insurance determined not at fault and began the process of paying off Hyundai Finance. I made the XX/XX/XXXX, payment and the XX/XX/XXXX, payment waiting for the process to conclude. In XXXX, my insurance received a payoff amount of {$20000.00}. This amount was given before Hyundai Finance received our XX/XX/XXXX payment. On XX/XX/XXXX, I received a letter from Hyundai finance informing us that they have not received payment from our insurance for the total loss in the amount of {$19000.00}. My insurance XXXX  a check for {$20000.00} on XX/XX/XXXX, which was the amount originally quoted and didnt not include the payments I had made. Shortly after the title was released by Hyundai Finance to XXXX XXXX XXXX in XXXX, IN. To my surprise, on XX/XX/XXXX, I received an email letter from Hyundai Finance informing me that there was a remaining balance due of {$1900.00} and that the payoff amount was {$21000.00} and all they received was {$20000.00}. I called immediately to get information as to why I owed anything and for Hyundai Finance to explain the situation. How can this be possible when I only financed XXXX and on top of that I made two payments? Why did you release the title if there was a balance? Hyundai Finance does not have a logical explanation as to where this amount came from. In the meantime, Im told that Im now on collections and that this will be reflected on my credit report. I have called countless times, too many to remember, and every time no one knows where this balance came from, or Im told something different, and you escalate the situation to a manager who is supposed to call me in 2 or 3 days. The manager never calls, and when I call again, you have no record of the escalation, or my concerns, and the process starts over again. Im getting the run around and no answers. Im getting no resolution.
Product: Debt collection

Debt was paid and on the credit report its stated that its a joint account responsibility and that 's inaccurate information.
Product: Credit reporting or other personal consumer reports

I have the following accounts as collections on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX First, I don't understand how these debt buyers are allowed to placed accounts not verified on people 's reports. Also, I noticed that the account numbers are the exact same on both accounts, from two different companies with two different amounts, which is alarming. This needs to be stopped.
Product: Credit reporting or other personal consumer reports

Theres old phone numbers, addresses and work history. I have sent letters and disputes online. XXXX, XXXX and Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been fighting for the last two years to get this account off my credit profile. Each bureau is violating my privacy right according to 15 USC 1681. Besides That, an imposter went into a dealership with a fake id to act as if they were me to obtain o vehicle. That is called identity theft. This is just one other reason the count should be deleted. 

The Law Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I HAVE NEVER GAVE ANY BUREAU WRITTEN CONSENT TO REPORT MY PERSONAL INFORMATION OR ANY ACCOUNTS. MY PRIVACY IS BEING VIOLATED PLEASE SEE THAT THESE ACCOUNTS BE DELETED. 

ACCOUNT XXXX XXXX XXXX XXXX OPEND XX/XX/2020
Product: Checking or savings account

My cell phone number was ported out without my authorization on XX/XX/2020 at about XXXX. I was notified of the porting out of my phone via text message from XXXX XXXX. This resulted in the criminal that ported my cell phone number access to all of my personal accounts. This included access to my Chase Bank personal checking account that allowed the criminal ( s ) that ported my cell phone to withdraw a total of {$2200.00} from my personal checking account on XX/XX/2020. I was unable to make any outgoing calls from my cell phone, and had drove to the XXXX XXXX store in XXXX, KY on XX/XX/2020. Before I went to the XXXX store, I locked my checking and credit card accounts in my online Chase Bank accounts. Once I arrived at the XXXX store, I was able to use a phone to contact XXXX XXXX porting center to figure out what had happened to my phone. They said I was a victim of identity theft a result of my cell phone being ported out, and they would work on getting my cell phone number ported back to my account. I was instructed to file a claim with the Federal Trade Commission. I did so as soon as I got home from the XXXX store on XX/XX/2020, resulting in a prompt of multiple steps to secure my identity. One of those steps included calling Chase Bank, which I promptly did on XX/XX/2020. I filed a claim to dispute the fraudulent charges of {$2200.00} on XX/XX/2020 with Chase Bank. 

On the morning of XX/XX/2020, I received an online letter in my Chase Bank account stating that the claims of the fraudulent charges were denied and Chase Bank authorized the transactions in total of {$2200.00}. They stated the reason for the denial of the dispute of the fraudulent charges was that the investigation team at Chase Bank spoke with the merchants where the fraudulent transactions occurred were clean on the merchant 's end, and Chase 's end. Which satisfied Chase, resulting in denial of my dispute of charges in total of {$2200.00}. The woman that I spoke with on the phone at Chase Claims Department on XX/XX/2020 said I could contact the merchants myself to attempt to reverse the charges. I escalated the situation with the claims department at Chase Bank to speak with a supervisor ( XXXX ). XXXX ( the supervisor at Chase Claims Department ) told me I need to prove that I did not share my pin number to my ATM/debit card with anyone. I asked, 'how do I do that ', and he said, 'with documents '. He remained very vague and unapologetic. I had to escalate the situation even further. I spoke with XXXX XXXX porting center on XX/XX/2020, they sent a letter to my personal email address with written proof that my cell phone number was ported out on XX/XX/2020 without my authorization. On XX/XX/2020, I faxed the letter from XXXX XXXX to Chase Bank. In the end of all of this, I was able to transfer my checking account from Chase Bank to XXXX XXXX  on XX/XX/2020 with the full funds in my checking account that Chase Bank gave me temporary access to ( i.e. credit for the charges in total of {$2200.00} ). In conclusion, the charges of {$2200.00} were authorized by Chase, but not by me.
Product: Checking or savings account

Closed account and charged fees and sold account for harassment from collectors and reported on credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 an automatic payment was scheduled to be debited from my XXXX XXXX   account, by XXXX XXXX XXXX. My Bank shows that no such debit was ever attempted. 

On XX/XX/2019 XXXX reversed the payment and mailed me a letter which stated that the bank asserted " No Account Found ''. 
However, this account was used for previous payments without any issue. 

On XXXX XXXX I was notified that there was a problem with the payment by XXXX and at the suggestion of XXXX used an alternate account to make the payment. I was out of the country until the XXXX and was unaware of the problem. XXXX credited my payment on the XXXX of XXXX which was 31 days past my due date. 
I discovered that XXXX reported me to the credit bureau ( s ) as being 30 days late. I contacted XXXX and received the assurance that if I provided them with bank documentation showing that the account had adequate funds to pay the debit on the XXXX of XXXX, they would remove the 30 day status. 
XXXX investigated the matter at my request and wrote a letter which showed that the account was in place with adequate funds but that they never received a debit request. 

Despite meeting the requirement to demonstrate that the error was not mine, XXXX has steadfastly refused to correct the reporting. 

I have spoken to numerous managers and sent letters demanding that this matter be corrected. They continue to refuse. They do acknowledge that my account was in good standing at citizens with adequate funds but state that since it was not there fault they can continue to report my account as past 30.
Product: Credit reporting or other personal consumer reports

As of XXXX, Experian is claiming that they are UNABLE to honor the request is sent on XXXX because I provided limited information on accounts. Which is FALSE, Under the provision of Section XXXX of the Fair Credit Reporting Act ( FCRA ), I have the right to request a description of the procedure used to determine the accuracy and completeness of the information. 

On XXXX I specifically requested that Experian provide me with their method of investigation to the last XXXX investigations.I have attached their negligent response. THIS IS NOT A REINVESTIGATION REQUEST. By law they have to provide me this information As of XX/XX/year>, In RESPONSE to your recent dispute results ( also attached to this complaint ) that were sent to me electronically on XXXX I am FORMALLY requesting a METHOD OF VERIFICATION for the following accounts that were " updated, verfied, updated and verified, or remained the same '' ON THE DISPUTE RESULTS THATS IS ATTACHED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please provide me with the following information : XXXX. The name, address, and telephone number of the person or organization that provided the information. 
XXXX. The specific documents used to verify the account information. 
XXXX. Details about how the investigation was conducted, including the date and method of verification. 


As a consumer, I am entitled to a fair and thorough investigation of any disputed information. My previous method of verification request on XX/XX/year> and XX/XX/year> WERE NOT RESPONDED TO
Product: Credit reporting

EQUIFAX , after investigation is incompetently reporting inaccurate information on XXXX XXXX ACCOUNT XXXX XXXXEquifax verified false and damaging information, contrary to THE FCRA, ACCORDING TO THE ATTACHED REPORT. 
IT IS OBVIOUS, ON THE FACE OF THE RECORD THAT AN ACCOUNT CAN NOT HAVE A CURRENT STATUS OF 120 DAYS LATE, IN ADDITION COMMENTS THAT IT IS 180 DAYS LATE WHILE AT THE SAME TIME REPORTING A PAYMENT OF {$3800.00} PAID IN XXXX OF 2011 AND THAT THAT ACCOUNT WAS PAID AND CLOSED BY MAKING THAT PAYMENT OVER 5 YEARS AGO. 
THE STATUS OF THE ACCOUNT IS PAID.DUE TO THE INTENTIONAL FABRICATION OF FURNISHER AND BUREAU AND THE FACT THAT I HAVE ALREADY ENDURED AN INVESTIGATION THIS ACCOUNT MUST BE DELETED ACCORDING TO FCRA. 
THE FACT THAT IT IS A PAID STUDENT LOAN SHOULD HELP IN THE COURTROOM TO OBTAIN DAMAGES FROM BOTH EQUIFAX AND THE FURNISHER ( A GOVT.PROGRAM LOAN ADMINISTERED BY PRIVATE BANKING. )