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

I have recently been informed that there is a XXXX  XXXX XXXX in the file you maintain under my Social Security XXXX. Upon ordering a copy of my credit report, I see an entry listing XXXX  XXXX # XXXX. According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove said information from the consumer credit file. The United States Bankruptcy courts DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported.

However, credit bureau actively searches public records for any judgments and tax liens through third party research. A XXXX  is public information, Again, the XXXX XXXX  XXXX DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on XXXX  through third-party research. Please validate this information and provide me with copies of any and all documentation associated with these accounts bearing my signature. I formally request that this information be immediately deleted from the credit file you maintain under my social security number.
Product: Debt collection

IN XX/XX/2019 I PAID A SETTLEMENT AMOUNT TO XXXX XXXX XXXX XXXX  BY A & XXXX  XXXX IN XXXX XXXX,., WITH COMENITY BANK WHO ADMINISTERS THE CREDIT CARDS FOR XXXX XXXX XXXX., IT WAS XXXX.. HE AGREED TO REMOVE ALL OTHER FEES,., AND CLOSE THIS ACCOUNT,., HE LIED COMENITY BANK HAS HARRASSED ME AND CONTINUED TO FRUADENTLY SEND THE RISING STATMENTS NOW AT {$600.00} FROM THE {$120.00} SETTLEMENT AMT.. 
WHEN I CALL THEM XXXX XXXX XXXX,., THE CALL GOES TO THE BANK INSTEAD AND THEY ACT LIKE THE BILL COLLECTORS FOR THE CO INSTEAD OF A REGULAR BANK,., TELLING ME OH WELL YOU PAID OFF THE STORE BUT WE DIDNT GET OUR MONEY,., THE EXTRA {$500.00} IN FEES THEY ARE TRYING TO EXTORT FROM ME,., AFTER XXXX XXXX SAID I COULD PAY THE {$120.00},., TO DATE XXXX XXXX OR HIS EXTENSION EXIST,. AND COMENITY BANK MALIOUSLY CUTOFF MY VICTORIA   SECRET ACCT IN XXXX.IT WAS IN GOOD STANDING, AND I HAD RETURNED ALL ITEMS I BOUGHT AT XXXX  XXXX XXXX,, WHICH NEVER GOT APPLIED TO ACCT,, AS WELL,., I WAS IN A DISPUTE ABOUT MY ACCT SO I NEVER PAID,. BUT JUST AGREED TO SETTLE THIS ACCT,., COMENITY BANK HAS REPORTED NEGATIVE SPITEFULLY SO IN ALL CREDIT BUREAUS TIL I HAD TO FIND SOMEONE TO HELP ME STOP THEM FROM DOING THIS TO ME OR ANYONE AGAIN
Product: Mortgage

On XXXX I contacted Mr. Cooper to schedule a payment in the amount of {$600.00}, to be debited from my account on Friday, XX/XX/2022. The agent I spoke to confirmed via recorded audio that my payment was to be taken on XX/XX/2022. Well first she stated the XXXX and I had to correct her. The agent incompetently scheduled my payment for Friday, XX/XX/2022 which resulted in my account incurring a {$29.00} returned check fee. I contacted Mr. Cooper on XX/XX/2022 and reached an agent named XXXX. I explained the complete situation and XXXX, completely wasted my time because she didn't listen to me or understand what was going on. She called my bank, XXXX to confirm the {$600.00} transaction had been completed??? I was talking about a return check fee and this fool wants to confirm that the {$600.00} had been taken out of my account. You are confused??? Yeah, so was I. I had to stop the conversation with her at a point as her incompetence was too much to take. I was eventually transferred through Tier 2 escalation to XXXX who was equally as useless. I felt like she was busy with her cell phone as it took her forever to respond to anything. I finally sent an email to XXXX with a screenshot of the processed return check fee. I want my {$29.00} returned check fee back. I will not be punished due to the incompetence of someone else!
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

On XX/XX/2024 i used my Bank issued visa Credit Card to purchase XXXX - XXXX - {$200.00} gift card, & when i came home i proceeded to verify that the {$200.00} Dollar XXXX gift card was indeed valid, & Loaded with the {$200.00} that i actually gave the XXXX Cashier, & upon attempting to validate that the funds were placed on the card it was then that i realized that my Newly just purchased {$200.00} dollar XXXX gift card was in fact totally empty, & when i returned to the XXXX location to receive a refund i was then told by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that all sales pertaining to Gift cards were in fact final, & it was at that point that the XXXX XXXXXXXX accused me of theft even though i had purchased other gift cards at XXXX & some of them were good, & ready to be used & some of them were not i then called up my banks Credit Card department, & explained the issue, & the banks Credit Card Department mailed out a charge back form but i couldnt complete, & mail in the form because the ink on the XXXX store Receipt had totally disappeared, & i told the credit card department this, & the case was closed but the week of XX/XX/2024 i was able to Locate the XXXX XXXX XXXX purchase Receipt photo i actually took with my mobile phone, & i completed the Bank Credit Card charge back documents, & forms, & attachment all necessary documents & i brought it to my Local bank branch, & i handed it to the XXXX XXXX Banker he then uploaded it into the banks Computer system, & he gave me a copy of the transmittal Receipt i then called the bank on XX/XX/2024 which was the date i was told to call back, & i would then be given the credit card departments decision, & it was at that point i was told that my Credit card charge back request was denied, & that is when i started to seek out an alternative recourse, & solution
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 

XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$46000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting reliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to mt credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Checking or savings account

I was supposed to get paid on Thursday morning and the money never went to my account. my bills are due and my family needs to eat XXXX XXXX has done little to nothing to update me on fixing the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not pay for credit monitoring with TransUnion anymore. That is not the specific issue. I have tried to close the " shell '' of an account online but it does Not close. Deactivation or reflecting that I can not log in is not sufficient.
Product: Credit reporting or other personal consumer reports

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXXXXXX 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

The following accounts are invalid and unverified, they were placed in my file without proper verification or authorization in accordance with sections 609 & 611 of FCRA I SUBMITTED DISPUTES ON XX/XX/XXXX ( NO ACTION FROM BUREAUS/ RESUBMITTED 2ND TIME XX/XX/XXXX Rent Recovery # XXXX was disputed on XX/XX/XXXX it is a collection account that is not mine under FCRA section 609 I requested a copy of the document with my original signature, it has not been produced thus far and i have had no communication with this company whatsoever to establish or acknowledge this account/debt information XXXX # XXXX was disputed on XX/XX/XXXX it is a collection account that is not mine under FCRA section 609 I requested a copy of the document with my original signature, it has not been produced thus far and i have had no communication with this company whatsoever to establish or acknowledge this account/debt information. 

XXXX XXXX XXXX XXXX # XXXX was disputed on XX/XX/XXXX it is a collection account that is not mine under FCRA section 609 I requested a copy of the document with my original signature, it has not been produced thus far and i have had no communication with this company whatsoever to establish or acknowledge this account/debt information. 

XXXX XXXX # XXXX was disputed on XX/XX/XXXX it is a collection account that is not mine under FCRA section 609 I requested a copy of the document with my original signature, it has not been produced thus far and i have had no communication with this company whatsoever to establish or acknowledge this account/debt information. 

the following Inquiries are on my account in violation of section 611 and I gave no consumer consent to these companies and therefore no permissable purpose exists : XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a lot of inquiries on my credit report that I did not authorize at all. I have disputed these items as identity theft and they will not remove. I also have identity theft on my credit meaning if any one apply for credit they will first toake sure it's me. And nobody has called at all. So I called TransUnion to ask why they are not calling I was told that are not required to do so. But it clearly says they are suppose to call and make sure it's you applying for any credit I would like for all this to be removed. What's the purpose of having credit alert
Product: Debt collection

I received an e-mail regarding debt collection today ( XX/XX/2023 ) from a company ( Speedy Cash ) that I never heard of or even applied for a loan. Upon calling this company and providing them the loan number on the e-mail, they attempted to get my birthdate and SSN number which I did not provide. They then told me to call their accounting department which will be open in 2 hours. I don't even trust this " company '' to even call them back.
Product: Debt collection

Letter was sent to me from Quest Legal Group XXXX XXXX XXXX in XXXX XXXX I haven't been to XXXX XXXX
Product: Checking or savings account

To Whom It May Concern, My name is XXXX XXXX, and I am writing to file a formal complaint regarding an unauthorized and unexplained halt to a transfer from my Chase personal checking account. This incident has caused significant frustration, financial inconvenience, and a lack of confidence in Chase Bank 's service reliability. 

Details of the Issue : Type of Account Involved : Personal Checking Account Date and Time of Transfer Initiation : XX/XX/year> Amount Involved in the Transfer : {$2400.00} Intended Recipient : My own account at XXXX XXXX Method of Initiation : Online web browser Communication from Chase Bank : None. Instead of a notice, I was abruptly locked out of my account. 

The transfer was initiated on XX/XX/year>, via the Chase online web browser, with the expectation that it would be processed promptly. However, the transaction was halted without any explanation or prior communication, and my account was locked. 

Steps Taken to Resolve the Issue : XX/XX/year> : I called Chase Banks customer service to address the issue. Unfortunately, the representative I spoke with was rude and unhelpful, offering no meaningful assistance or explanation for the account lockout. 
XX/XX/year> : After another call and much back and forth, I finally regained access to my account. However, this process was unnecessarily stressful and time-consuming. 

Impact of the Issue : The unwarranted account lockout and delayed transfer caused me to incur {$50.00} in late fees due to missed payments. This financial burden was compounded by the lack of communication and the unprofessional behavior of Chase Bank representatives. 

R

equest for Resolution : I request the CFPBs assistance in addressing this issue with Chase Bank. Specifically, I seek : A detailed explanation for the halt of my transfer and the lockout of my account. A review of Chase Bank 's communication and customer service practices. Assurance that such incidents will not occur in the future.

Reimbursement for the {$50.00} in late fees and compensation for the unnecessary stress and inconvenience caused by this incident. 

Preferred Contact Method : I can be reached via email at XXXX. 

Thank you for your attention to this matter. I look forward to your response and assistance in resolving this issue. 

Sincerely, XXXX XXXX
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 willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

On XX/XX/2023, a representative told me that they will not process my disputed accounts and asked why I am disputing accounts on my credit file. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by law to verify through physical verification of the original signed consumer contract-any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email fraudulent account. I demand to see Verifiable Proof ) an original Consumer Contract with my Signature on it ) you have on file of the disputed accounts. Your failure to positively verify these accounts has hurt my ability to obtain adequate housing. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, by law, you must remove disputed accounts. Please notify that the items have been deleted pursuant to 611 ( a ) ( 6 ) 15USC 1861j ( a ) ( 6 ). I would like to remind you, using the E-OSCAR method to verify these disputed accounts which you are aware of, is against the FCRA guidelines. Please include the method use to " verify the debt you claim I owe. I have requested the person 's name, phone number, address, name of company that performed the investigation and the individual 's title. Thank you.
Product: Debt collection

During 2023 I filed a complaint on this company for sending debt to credit bureaus without sending me any documentation. I received documentation dated XX/XX/, and the original documentation indicated that I owed {$340.00}, yet the original statement stated that I should have been refunded XXXX. I sent a letter telling them that I do not have any responsibility for the debt, and if they believe that I was owed this debt to provide supporting documentation. They followed with a cancellation letter, datedXX/XX/XXXX stating that they requested the item be removed from the credit bureau. 

Months later I received a letter, dated XX/XX/203, from the collection agency, asking me to settle at a lower amount. 

In addition I sent the letter to the credit bureau with the original documentation indicating I did not owe any debt and they still list my collection as verified.
Product: Credit card or prepaid card

On XXXX, I disputed a charge of {$44.00} to Chime. I had ordered from XXXX, and was informed by Chime that my card was declined. I then placed another order with a different card, as I assumed the order placed on my Chime card did not go through, but when I went back to the app, I now had two active orders. XXXX refused to cancel either. 
I filed a dispute with Chime on XXXX by phone, followed up by emailed documentation. I consistently followed up for several weeks, but eventually closed my Chime account- my bank informed me that Chime was actually lowering my credit because they won't look at credit built on a prepaid card, nor will most banking institutions. 
On XXXX I followed up, as it had been 270 days since I submitted the dispute. I was told that the dispute had been denied, but was not provided with the documentation for another 5 days. The documentation is undated, and relies entirely upon the response from XXXX. This is a problem because I never claimed the delivery did not show up, what I said is that my card was declined and so the order never should have gone through.
Product: Credit card or prepaid card

My card was used for purchases that I did not authorize.. I reported to synchrony bank the fraudulent charges and they denied the claim saying that it was shipped to my address which is not true I did not authorize those purchases made under my card. I reported the fraudulent and they added the charges back to my card making me responsible for something I did not buy. I reported again to synchrony bank and they reopened the claim and today I received another letter saying it was denied for the same reason. As stated on the terms of service of the card Im not liable for unauthorized charges. Im opening this claim with the financial bureau because I will not be made responsible for charges I did not make or authorized
Product: Vehicle loan or lease

My auto monthly payment is due on the XX/XX/XXXX, however I make a payment almost every two weeks. I've had this loan since XX/XX/XXXX and I've never made a late payment. I was actually paid ahead at one point. I've also always made an online payment, with the same checking account that I've had going on 15 years from XXXX. I logged on to the system to make a payment on Saturday XX/XX/XXXX, however I received a message stating there is system maintenance and to try again at a later date. I then tried again on Saturday XX/XX/XXXX around XXXX cst. and I received the same message so I called customer service at XXXX XXXX  and I spoke to a young lady by the name of XXXX XXXX. She advised me that there's usually system updates between XXXX and XXXX XXXX  cst on Saturdays, and that I should wait about 20 minutes or so till it's XXXX my time and make the payment and I did. When I logged in about 45 minutes later I noticed that all of my checking account information that was in the system was wiped out. So I entered all of my checking info again and I made a payment of {$440.00} at XXXX and I have a transaction ID # and a screenshot of the date and time of that payment. ( Since I made the payment after 4, the payment date reflected XX/XX/XXXX ). On Friday XX/XX/XXXX at XXXX, I receive an email from my lender stating that there was an error processing my payment. So I called customer service on XX/XX/XXXX at XXXX XXXX  and spoke to a gentleman by the name of XXXX XXXX. I advised him of what my experience was the last few weeks and he acknowledged that there was a system update that wiped all of the payment info from the account and there could have been an error processing the new payment. And he asked me to make a payment over the phone, and I declined. My normal payment method is online, so while I was still on the phone with him, I logged on and made a second payment for {$500.00} at XXXX XXXX. I asked him if the payment will be effective dated to the original date I submitted the payment ( since it's their error ) and he said once the payment goes through, for me to call back and someone can help me with that. I also have a screenshot and the transaction ID for the second payment as well. I asked him how long does it normally wait to post, he said I should know by 5 business days starting Monday XX/XX/XXXX. I checked my email for a payment confirmation in addition to my checking account daily to ensure the payment was processed and there was nothing. So after 5 business days ( XX/XX/XXXX ) I called customer service at XXXX. The call automatically went to a collections agent since I'm " technically '' 11 days late, and that's where I spoke to XXXX XXXX. And just like I did XXXX, I told her what happened and said I'll make a payment however it needs to be effecitve dated correctly back to 02/25 since that was the original payment date and she said she could not do that. I asked to speak to a manager and I was on hold for almost 10 minutes with no success. So not to perpetuate the problem, I made a third payment over the phone with her for {$500.00}. 

I attached screenshots for the two online payments made as proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've attached the documents that contains what happened so please look at it thoroughly and properly.