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

Sent letter to Experian Credit Reporting on XX/XX/XXXX notifying them that my credit report showed several hard inquiries that I was not aware of and were not authorized by me. I requested that these inquiries be removed immediately as they have contributed to my inability to obtain credit. As a victim of identity theft and currently trying to correct the damage done by my stolen identity, I have followed the Federal Trade Commission Identity Theft step by step program and monitor my credit reports daily. I just received a response to my request to remove the unauthorized inquiries stating that the inquiries would NOT be blocked and would remain on my credit report for 2 years. Obviously, I am unable to send any evidence that the inquiries were not authorized other than the Identity Theft documents that I have provided all credit reporting agencies on XX/XX/XXXX. As stated previously, these inquiries are contributing to the reasons why I have recently been unable to obtain credit. Several of the hard inquiries that I am disputing have come from the same companies/lenders that were included in my identity theft report. I'm filing this complaint at the suggestion of the FTC Identity Theft program and request that the following hard inquiries be removed, block or whatever can be done as to not affect my ability to improve my credit and/or obtain credit. The list of unauthorized inquiries are : XXXX XXXX/XXXX  Inquiry date XX/XX/XXXX XXXX/XXXX/XXXX  Inquiry date XX/XX/XXXX XXXX   XXXX/XXXX  Inquiry date XX/XX/XXXX XXXX/XXXX  XXXX  L Inquiry date XX/XX/XXXX
Product: Credit card

I received notification with my Talbots credit card that beginning XX/XX/XXXX if we do not go to paperless billing, we will be charged {$2.00} monthly for paper billing. This seems to me to be excessive and onerous particularly for people who do not wish to do their financial transactions online. 

This was in the notification : A fee of {$2.00} per month may apply for each paper billing statement mailed to you. You can avoid this fee by enrolling in paperless statements. 

This is the link to view the notification online : https : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from Trans Union responding to my request on XX/XX/2023 to correct inaccurate and incomplete information on my credit report stating that they would not process my disputes because they didn't think they were from me. I have been trying for months to get the inaccurate, incomplete, and unverifiable information on my credit report corrected and Trans Union either don't respond at all or, within the 30 days which is what the CFPB website states is the length of time they have to legally respond, according to the Fair Credit Reporting Act. When they finally respond over 60 DAYS LATER it's a XXXX  letter stating that the dispute, they received wasn't from me or authorized by me and they're are basically accusing me of working with a credit repair company which I AM NOT! 

What I don't understand is why Trans Union is allowed to not comply with the Federal Laws that were put in place to protect consumers like me? I thought the CFPB was supposed to hold these credit reporting agencies in compliance and stop them from violating consumer rights and the Federal Law. How is Trans Union allowed to circumvent the 30-day response time outlined in the Fair Credit Reporting Act? The FCRA says if they don't respond in 30 days, they must delete the information I am disputing! How is Trans Union allowed to break the Federal Law and violate the rights of consumers? The Law is written, the FCRA states if they do not respond within 30 days then the accounts I'm disputing must be deleted! How are Trans Union and the other credit reporting agencies allowed to get away with this? How is Trans Union allowed to send a letter, which I believe is nothing more than a stall tactic, for them to not investigate my disputes at all? 

It's obvious by this letter they sent, that they don't want to comply with the law, and this is when we need the CFPB to protect consumer rights against these credit reporting agencies who seemingly have no oversight and are allowed to violate the Federal Law freely with absolutely zero consequences.
Product: Credit card or prepaid card

*XX/XX/XXXX - 7 charges to a SunTrust MasterCard at a XXXX XXXX amounting to # XXXX ( 4x {$100.00} and 3x {$200.00} ). 
*SunTrust alerts me via text ; I respond immediately that these are not my charges. 
* ( the same day, XXXX XXXX XXXX. called w/ similar fraud charges at XXXX and immediately dismissed them from account when I assured they were not my charges ) * Approximately 2-3 weeks later I receive a letter from SunTrust stating that their investigation determined that these charges are my responsibility. 
* A long phone call followed with several people at SunTrust 's security/fraud division. After more than an hour, their conclusion was the same. The investigator cited " inconsistencies '' but no one could tell me what they were. 
* I visited my local bank mngr. several times and exchanged sevearl emails with him ; he tried to help but could not. A phone call from a higher regional exec. said the same. 
* During another call w/ ST, I was finally told that an inconsistency was that the card chip was used and because the card is in my possession, I must have used it. 
* XX/XX/XXXX - I wrote letter to Mr. XXXX. XXXX, president of SunTrust. His office called to tell me there was nothing they could do. 
* I spent more than an hour on phone w/ XXXX business div. who researched charges and found nothing at cited store ( XXXX XXXX XXXX, XXXX, DC ) or in any other XXXX store where this card has been used. XXXX case # XXXX ( I have NEVER used this card anywhere and card statements confirm this ). 
*XX/XX/XXXX - I filed police report w/ DC Police , file # XXXX. 
*XX/XX/XXXX - I called MasterCard.They can't do anything - in SunTrust hands. 
My next step will be to contact the DC Attorney General 's office. 

I don't know what else to do or how to use the police report to support my case. I'm at wit 's end and out of more than {$1000.00} which means a great deal to me. I am retired and live on SS and savings. I have banked w/ ST since XX/XX/XXXX and have 2 different accounts there including a non-profit for people w/ disabilities that has more than {$70000.00} in it and I have never bought a gift card for any amount at a XXXX. 
I'll appreciate any help or advice you can provide.
Product: Credit card

Sometime XX/XX/XXXX my wife applied for and was issued a credit card in her own name XXXX my name not associated ) from XXXX Bank XXXX perhaps their predecessor, XXXX XXXX. This was during the freewheeling credit period when banks were issuing credit cards to babies, names from tombstones and to family pets. Subsequent to the issuing of the card the account was sold many times to, among others, MBNA, XXXX XXXX, XXXX Bank, Bank of America, and ultimately FIA Card Services. At some time during all these sales someone interjected my name as XXXX the owners of the account. My wife subsequently filed bankruptcy against the debt. FIA Card Services is now attempting collect this debt from me. I have spoken to and written to FIA Card Services on a number of occasions explaining their error but they refuse to acknowledge the mistake. I have asked for any documentation they may have that would associate me with the account such as a credit app or my signature on any purchase receipt or any other documentation they may have. They have replied on more than XXXX occasion that they are " unable to locate the item ( s ) '' I have requested. Even though they have no valid reason to associate this debt with me FIA has reported this misinformation on my credit report and is now trying to extort money from me to satisfy this debt. 
FIA has admitted that they have no documentation to associate me with this debt and yet they continue to report this damaging information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I contacted XXXX and Experian and they refuse to give me my credit reports I have been trying to contact them for XXXX years and they refuse to give me the information stating that I have not answered the security courses correctly so they informed me to mail them a copy of my picture ID driver 's license and proof of residency and I did that on both the cages which the last time was XXXX weeks ago they also refuse to accept the dispute letters that I gave them concerning XXXX XXXX agency which raise the price of the debt XXXX hospital bills which I turned in for XXXX XXXX fraud and now I received a letter for XXXXXXXX XXXX XXXX stating that I owe them {$2000.00} from XXXX which they had closed it but since student debt is being paid off now they come out and said as if XXXX the XXXX I owe them {$2000.00} so they turned me over to the XXXX XXXX Kentucky Department XXXX XXXX XXXX of collection and they said if I don't pay {$2000.00} in the next XXXX days they're going to take my home freeze my bank account and put a lien on my house and I will be homeless because I don't have a job and I don't have a bank account and I will upload all the information that they mailed to me thank you please help me
Product: Checking or savings account

On XX/XX/2019, I deposited a check of {$2800.00} to my checking account. The balance was available the next day ; therefore, I made payments using the deposited amount. 2 days later however, the check was reversed by the bank because it was a fraudulent check. I received no notice prior to the reversal or after from the bank until I personally noticed it and called about it myself. Due to this incident, I lost {$2600.00} and have filed a complaint through CFPB about the inconvenient and unfair way the bank dealt with the situation. The response I got from the bank after filing the complaint was that this information was all in their disclosure and they were simply acting by those rules. 

Having read their disclosure, I noticed that they are neglecting some of the most basic responsibilities as a financial service provider when it comes to consumer protection. Their disclosure indicates the following : " Accepting Items for Deposit [ : ] We will accept items for deposit, but act only as your agent for collection and assume no responsibility for these items, beyond the exercise of ordinary care '' " If you make the deposit in person to one of our employees, funds from the following deposits will be made available on the first business day after the day of your deposit '' " Funds you deposit by check may be delayed for a longer period under the following circumstances : We believe the check you are depositing will not be paid. '' " We may limit, refuse or return all or any part of a deposit without prior notice to you '' " Unless we have acted in bad faith, we will not be liable for special or consequential damages, including loss of profits or opportunity, or for attorneys fees incurred by you '' From 360 Account Disclosure and Rules Governing Deposit Accounts ( https : //www.capitalone.com/bank/rules-governing/disclosures/ ) When they indicate that the balance will be available the next business day and that the check may be delayed if they believe the depositing will not be paid, they imply that the bank will do their due diligence of making sure that the check is not fraudulent. Clearly from this incident, that was not the case. Likewise, they state that they will hold no responsibility " beyond the exercise of ordinary care ''. " Ordinary care '' as a financial service should include confirming that these checks are valid before making the balance available to customers and not the other way around. Moreover, asserting that they will not make any prior notice for refusing a deposit is simply neglecting their critical responsibility as a financial service provider to inform their customers. Lastly in response to the last rule, I believe that they have acted in bad faith because their rules are misleading and violate the basic responsibility of a financial company of protecting its consumers. 

In an age where devices to maintain cyber security and communication are established, the bank does little to none to offer their consumers the most basic protection. Therefore, I am filing this complaint to report that this bank is unfair and deceptive in their practices.
Product: Vehicle loan or lease

Unfortunetly I never signed any of my information on a contract for this vehicle. The owner of the vehicle let someone else sign my information.
Product: Credit reporting

Trans Union : Spent Hours on the Phone with this Company, trying to fix my Online Account Credit service that I subscribed to. For the Past Months my Online Score For its own site to Varies XXXX Parties Showed Me either with a XXXX or No Reported Score. When I called in to find a resolution to this, I was transferred back and forth between and online department saying I no longer have a credit report, vs Disputes Saying My Credit Report is still active. Management Claims no Resolution to this and only Access to my report is via Paper form. 

Luckily this has not Effected my Pre-Existing credit accounts, such as XXXX XXXX, who even their tracking system shows me at XXXX, and I still have received raises to my established credit line due to my payment practice. 

XXXX/XXXX Still shows reports, though have not bought into any other online tracking to verify this. Currently Have no Open Disputes ( Which was told that could lead to this Situation ) I have the reporting since My Name is Common and It is common for these credit agencies to shift stuff under my score with very little background information, Such as just using my name. Rather then an SSN # or any type of real form ID attachment.
Product: Debt collection

I recently received my credit report and discovered a collection account for LJ Ross for electric service in XXXX, TN. I am a full time resident of Texas and have lived in Texas consistently for 20 years. I have never lived in XXXX nor have I ever had electric service with XXXX XXXX. This account is not mine and may be a result of identity theft.
Product: Debt collection

There was fraudulent charges to my account and Citi card and the company is charging me for the over drawn balance.
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
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

TransUnion and XXXX is reporting my personal to the three credit bureaus which is illegal. They are reporting my old bankruptcy i have reached out to US Bankruptcy Court and said they do not report personal information to credit agency
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding multiple inaccuracies and unfair negative reporting practices on myDespite my attempts to dispute these errors directly with the credit bureau, the disputed accounts have not been acted upon : Despite my previous disputes with Experian, they have failed to provide satisfactory responses or remove uThese errors are negatively impacting my credit score and my ability to secure financial opportunities. I reqand take appropriate regulatory action to ensure compliance with credit reporting laws.
Product: Debt collection

Received notification that a new account was reported to my Trans-union credit report on XXXX XXXX XXXX XXXX reported a collection that I have no knowledge of. I have never done business with this company before, I also have no contract with this company. 
Never received any sort of documentation in reference to this company. I also called Transunion on three different occasions to rectify this information, was on hold for over 30 minutes and was unable to speak to customer service at any time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian 30 days ago via certified mail about the information on my credit report that was not accurate. I sent them my credit report I got from them with the section highlighted that was inaccurate. I also sent them a copy of the information from the Pacer court system to collaborate on the errors. I asked them to delete it according to the Fair Credit Act. So far no response.
Product: Credit reporting or other personal consumer reports

I was a victim of the XXXX and XXXX Data Breach and I decided to review my credit file and noticed that there are multiple inquires that i never authorized or companies that I gave permissible purpose to or was extending credit for so they have XXXX written or expressed consent to have pulled my credit report. I have already filed and FTC Identity Theft report which I have attached along with a copy of my ID and a billing statement. Please remove these inquiries as they are fraudulent and were not authorized by me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

TD Auto finance reported on my credit that i missed a payment, my loan has been paid off and i pay every month, i did not miss a payment in XXXX as stated by this company. I called but they were unwilling to help. They can check there records.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX reports a 30 day late payment in XX/XX/2020 for credit card # XXXX. This account was not late and given a deferment due to COVID-19 and was paid in full the following month. During the deferment the account payment was supposed to be set to zero and not reported as late or negative to the credit bureaus.I contacted XXXX XXXX and was instructed that the information was incorrect and to contact the credit unions to dispute. XXXX  completed an investigation but did not update the incorrect information.
Product: Student loan

I started receiving statements from the Department of Education about my student loans. Later I received a notice for another company, that call themselves Nelnet ; stating that I have students loans with them. I had pulled my credit report and they both were on it. The Department of Education show as transferred accounts. Nelnet shows balances that I owe them. Nelnet show as I missed payments. I always call to get a forbearance because I do n't have a job to repay the loans. So, what I 'm asking of you is to help me get the missing payments off my credit files and place them as current. Also get the Department of Education off my files. I was not aware of a transfer until I seen my credit reports. I ca n't afford to pay the loan back. I do n't have a job but I 'm looking.
Product: Debt collection

I am unaware of these debts. I did not have the opportunity to dispute these debts. I never received proper notifications involving these debts. If in fact it is believed that I have anything to do with these debts please provide proof with a verified and signed documentation. I'd like to have these removed from my consumer report immediately.
Product: Credit card

I was traveling over the holidays and my sister was hospitalized with an emergency. I had a friend send me my bills so I could pay them long distance. I sent, from my " pay bills '' account with my bank, a check for {$3800.00} to the WRONG account. It was a different XXXX XXXX card than the one I should have paid. In fact, the money went to an account that had been closed. I did n't realize the mistake until I got a notice from the correct account that my payment had n't been received. I contacted the Citibank Advantage card company which I 'd incorrectly paid. They 'd accepted the check. After several calls they finally saw what was going on, then credited my active account rather than returning my money. It took another couple of calls to convince them I needed the money back, not a credit in an account that I seldom use. After several more calls I still do n't have my money, they claim the long delay is due to " policy. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXXXXXX XXXX XXXX XXXXXXXX. ACCOUNT # XXXX XXXX XXXX XXXXXXXX. ACCOUNT # XXXX XXXXXXXX XXXX XXXXXXXX. ACCOUNT # XXXX LOUISIANA XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX U.S. DEPARTMENT OF EDU . ACCOUNT # XXXX U.S. DEPARTMENT OF EDU. ACCOUNT # XXXX U.S. DEPARTMENT OF EDU. ACCOUNT # XXXX U.S. DEPARTMENT OF EDU. ACCOUNT # XXXX 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

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE.