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

Transition continues to report two accounts from XXXX XXXX and one from XXXX XXXX on my report that stems from identity theft. The accounts are for ( {$15000.00} ), ( {$3100.00} ), ( XXXX XXXX {$2000.00} ) This account was previously deleted from my report the was added back to the report. I resubmitted the identity theft report and other documents including a copy of the fcra 605b saying that any items that are on the identity theft repot should be deleted/blocked within 4 business days. This item is still on my report.
Product: Payday loan, title loan, or personal loan

I was expecting to be able to pay this off In full of the {$800.00} I took out, and now am being told they charge {$10.00} a day on top of the interest so the total is XXXX. I was not expecting such ridiculous interest rate or fees. In addition when I called to try to negotiate I was told they couldn't help me. A 400 % interest rate is a little ridiculous to begin with, but the added fees on top of it are a lot to handle.
Product: Credit reporting, credit repair services, or other personal consumer reports

Here is the complaint about XXXX XXXX  who disowned the account disputed. If this creditor claims that this account does not belong to them, they need to order the credit bureaus to DELETED THIS ACCOUNT FROM MY CREDIT REPORT or UPDATE IT TO PAID AS AGREED NEVER LATE ( PAANL ). XXXX, XXXX, and Experian reported it for a long time with a piece of inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report from EQUIFAX. 
The credit report showed a fraudulent account that I did not applied for. I have asked Equifax to remove this fraudulent accounts that they are reporting on my credit file. to this day Equifax has fail to remove this fraudulent accounts in violation of FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) I have send a copy of XXXX XXXX XXXX Police Department Fraud Case # PD XXXX I have asked Equifax to remove the FRAUDULENT ACCOUNTS listed below that remain on my credit report in violation of FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not feel as though the credit bureaus are doing their due diligence because they are reporting incorrect information on my credit report. I have never been late with XXXX Bank yet they are reporting a late payment of XXXX days for XXXX. They also report a difference balance than what my statement has for the month of XXXX. I am requesting that EXPERIAN, XXXX, AND XXXX immediately remove the late payment and update the account to paid as agreed, never late. Also update the correct balance for the account listed. I have attached proof of payment and proof of my statement listing the correct balance. The account is XXXX BANK XXXX.
Product: Credit reporting or other personal consumer reports

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

ATTYGENERL Child support with account # XXXX opened on XX/XX/XXXX and a balance of {$350.00}. 
XXXXXXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX Auto Loan with account # XXXX opened on XX/XX/XXXXXXXX  and a balance of {$11000.00}. 
XXXXXXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$1000.00}. 
Collection account from Unknown with account # XXXX and a balance of {$3800.00}. The original creditor is XXXX XXXX. 
XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$170.00}. 
XXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$2600.00}. 
XXXX Line of credit with account # XXXX opened on XX/XX/XXXXXXXX  and a balance of {$0.00}. 
XXXXollection account from XXXX with account # XXXX and a balance of {$650.00}. The original creditor is XXXX XXXX Collection account from XXXX with account # XXXX and a balance of {$1700.00}. The original creditor is XXXX XXXX. 
XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00} XXXX XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$310.00}. 
XXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$260.00}. 
Collection account from XXXX XXXX XXXX XXXX with account # XXXX and a balance of {$890.00}. The original creditor is XXXX XXXXXXXX XXXX 

I couldn't apply for any loans because of these negative items on my report which shouldn't be there
Product: Checking or savings account

I have been trying to resolve unauthorized use on my account which occurred in 2018 XXXX with Chase Bank which resulted in my funds been stolen although they have resolved some of the disputes and paid out the claim I am trying to resolve the balance of the claim but cant do so as I cant get access to my closing bank statement. I was told that once the first claim was paid I could proceed with the next one, the issue is I don't have access to a statement to continue.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I filed disputes with the Experian, XXXX  and XXXX. It has almost been 60 days and I still haven't heard anything from them. Why is it taking so long for them to response to me?
Product: Checking or savings account

In XXXX, I had over {$270.00} in disputes on both checking accounts. I was instructed to send documentation on of before XX/XX/XXXX so that USAA could further investigate. I sent all documentation ( uploaded through the website XXXX XX/XX/2020. One documentation was for items I did not receive from XXXX XXXX. The other document was for ALL XXXX charges. On XX/XX/XXXX, I received a document from USAA ( in my account portal ) saying I would have additional time to upload documents. I thought that maybe they misread my previous documentation, so I sent it again on XX/XX/XXXX, XXXX uploaded to the website ) On the night of XX/XX/XXXX a received notification through the portal that USAA did not receive my documentation and all provisional funds would be withdrawn. I immediately called the next morning to attempt to speak with an associate in the disputes department. While I was on hold, somehow I was placed back into the que, got another associate and that associate stated she would send a message to the disputes/fraud team. Well the next day ( today XX/XX/2020 ) I login to my account to see that my is locked and being closed. When I called to speak to a rep. I was told that the fraud department feels that I am doing unlawful banking practices. From that, I gather that they feel that I am making false statements and/or claims to get money. This is not true. I did not receive goods/services from the merchants in question. USAA also states if you are having a hard time, please let us know. Well we are in the middle of a pandemic in which I have had a household member test positive for XXXX. This is not a game for me. Locking my mother, the joint owner out is not fair at all. She had nothing to do with any of this and now she doesn't have access to her funds to even get meds. That in itself is unlawful. THe least USAA could do is unlock the account so she could have access to funds.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date : XX/XX/XXXX. Since then the date of last activity has been inconsistently updated. On Experian, the date last active is XX/XX/XXXX. On XXXX it's XX/XX/XXXX. If the information is coming from the original creditor the dates should be the same. We can not say these account are 100 % accurate so it is deemed INACCURATE. Delete this account from my report immediately : Account Name : XXXX XXXX : XXXX Balance : {$8100.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following companies have violated my rights : XXXX XXXX Accounts ending in XXXX and XXXX XXXX Account ending in XXXX XXXX XXXXXXXX XXXX  ending in XXXX 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666 B : States a creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for and purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 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.
Product: Credit card or prepaid card

Early this year on XX/XX/2020 I went to XXXX XXXX XXXX  XXXX  in XXXX XXXX and spent {$600.00} on one room and an additional {$600.00} for a second room all purchased using my Citi Prestige card. When I arrived to the hotel they treated my friends and I very poorly and thus decided to stay elsewhere. Before leaving, I spoke to the manager of the hotel, XXXX, and told her that we would not be staying at the hotel and to please cancel the hotel reservation and she confirmed that she will cancel the reservation. I took her number down as well. 

When I checked my Citi credit card statement the XXXX XXXX charge was not reversed and then I asked Citi to dispute the charge. I found out on XX/XX/2020 that the XXXX XXXX charge has been placed back on my card. Citi said that the merchant responded to my complaint, but when I opened the documents associated with this " response '', the response came from XXXX and it did not come from the original merchant which is XXXX XXXX. This was apparent for both open disputes where the merchant that responded was XXXX. 

Again, XXXX is NOT the merchant - XXXX XXXX IS the merchant. The dates the amount spent and merchants DO NOT align. 

What XXXX did is fraud and I need Citi to reverse the charges on the card and Citi needs to have their documents properly in place. 

I will attach all the recent documents from my Citibank account that reflects Citi 's two letters to me ( one for each case ) and the two attached incorrect merchant responses ( one for each case ).
Product: Credit reporting or other personal consumer reports

Reviewed most recent credit report from Equifax and i noticed an inquirie that did not belong to me.After reaching out to the creditor i was advised they did not have a record on file of me ever applying for credit with their company. The creditor advised me to contact the CRA to have the inquiry disputed and investigated as they do not have the ability to do so. 

After contacting the CRA i was meant with push-back even though i expressed the inquirie in questions did not belong to me and the creditor agreed the inquirie is not mine attached to any file or application they have with my personal accurate information. 

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Mailed Portfolio Recovery Associates dispute documents and have requested they verify this account that was placed on my report in error. They did respond however they did not validate the account and did not remove it from my report. They are still fraudulently reporting a false, unvalidated account on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to get a copy of my XXXX XXXX / Sage Stream report for the longest and every time i fill out the form, I never receive anything in the mail. I am frustrated because I need to dispute incorrect information from my report that's preventing me from obtaining lines of credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX Balance XXXX {$0.00} ; XXXX Balance : {$240.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXXXXXX : {$310.00} ; XXXX XXXX XXXX : {$3200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Credit Reporting act XXXX XXXX XXXXXXXX Account # 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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Credit Reporting Agencies and Companies for violating my rights under the Fair Credit Reporting Act ( FCRA ), codified as 15 U.S.C. 1681. Specifically, the agencies and companies has reported outdated and inaccurate information on my credit report without my written consent, which is a clear violation of my federally protected consumer rights.

Violation of Privacy Rights : Under the FCRA, consumer reporting agencies must ensure the accuracy, fairness, and privacy of consumer information. According to 15 U.S.C. 1681b, a consumer reporting agency can not furnish a consumer report without the consumers written consent unless it is for a permissible purpose as defined by the Act. The outdated information reported on my credit report was furnished without my explicit written consent, violating my right to privacy and the confidentiality of my personal information.

Violation of Consumer Rights : As stipulated in 15 U.S.C. 1681c, the FCRA imposes strict guidelines on the reporting of obsolete information. Specifically, information that is outdated and beyond the permissible reporting period should not be included in consumer reports. The account in question is old and should not be reported. 

The following entities, including the major credit reporting XXXX, Equifax, and XXXXand the specific companies listed on my credit report, have played roles in the inaccuracies I am disputing : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX
Product: Checking or savings account

Old national bank closed my account after I made a deposit I rescission contract because the is a breach of contract as the beneficiary without recourse I demand that damages be paid for my fee for any surety assets and interest also the breach of contract fee is XXXX XXXX dollars for all closed accounts
Product: Vehicle loan or lease

XX/XX/XXXX one time pay as well as auto pay charged me XXXX twice I did not authorize this, and Im simply requesting a refund.
Product: Credit card or prepaid card

The first problem I had was when I was trying to dispute about a hotel charge that I didn't make NetSpend customer service told me that it was the hotel but I called the hotel and it wasn't we worked that out and now I got major issues. XX/XX/2020 I took out {$300.00} from a XXXX ATM the charge was pending even though it was took off my card then. The same day it went through and was took off my card again. XX/XX/2020 I had the same thing happen with an atm withdrawal of {$200.00}. I believe it happen more but them are the times I know of for a fact. Then the card is suppose to have NetSpend payback rewards that's supposed to be credited to your account at the end of the month they only credited me for one month and I had this card for about six months maybe seven months it's in writing and that's one of the reasons I got the card. They also let a merchant take money I didn't have in my account I only had a dollar and it put me in a negative. I tried calling but the lady took and sent me back to the call center where it was a mechanical person talking and I'm pretty frustrated with everything that's going on so could you please help me.
Product: Credit reporting or other personal consumer reports

Transunion XXXX and XXXX are reporting inaccurate information on my credit report. And continue to violate 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION. This erroneous information is ruining my credibility, and I would like it removed entirely from my credit report. List of inaccurate information : the reporting of XXXX XXXX and XXXX XXXX XXXXXXXX is inaccurate and must be deleted as INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes the reporting of these accounts Inaccurate. Once again, 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( A ) Reporting Information with actual knowledge of errors 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 data is inaccurate. Duty : a moral or legal obligation ; a responsibility. Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something As Defined by the IRS. Even if you didn't receive a Form XXXX, you must report the canceled debt as gross Income on your tax return. The IRS Clearly defines a charge-off as Gross or Ordinary Income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes your reporting of this account Inaccurate. Both XXXX XXXX and XXXXXXXX XXXX  XXXX are inaccurate and must be removed.
Product: Checking or savings account

I am writing to express my frustration and disappointment regarding the handling of a promotional offer for new checking account members. I opened a new checking account with Chase Bank on XX/XX/2024, and made the qualifying deposits within the required 90-day period.

Despite fulfilling all the necessary conditions to qualify for the promotion, I have not received the promised benefits. I reached out to my banker via email on three separate occasions to inquire about my eligibility and the status of the promotional offer. Unfortunately, I did not receive any response to my in regards to the status of promotional offer inquiries. 

Subsequently, I scheduled a phone conversation with my banker. During this call, my banker mentioned that they did not remember if they had entered the promotional coupon code when the account was opened. They further stated that they were unable to honor the promotion now because my account has been open for too long. 

This situation is unacceptable and highly disappointing. I have complied with all the terms and conditions of the promotion, and it is through no fault of my own that the promotional code may not have been entered at the time of account opening. I believe I am entitled to the promotional benefits, and I am requesting immediate rectification of this matter. 

I kindly ask that you investigate this issue and honor the promotional offer as initially promised. Please provide me with a resolution to this matter at your earliest convenience. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit card

I opened a Kohl 's department store card XX/XX/XXXX and shortly after received literature via mail indicating I would be automatically transferred to a Kohn 's Capital One Visa. 

XX/XX/XXXX I cancelled the department store account indicating I did not want the Kohl 's Capital One Visa.

I spoke with Kohl 's two more time upon receiving additional literature but was explained it was sent in error since my account was in fact, closed.

I received a Kohls Capital One Visa on XX/XX/XXXX that I did not request, apply for and specifically expressed did not want. 

I feel this unwelcomed behavior is a predatory act of Kohl 's as they did not have my consent to open another credit card from a different agency.