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

I am submitting this CFPB Complaint once again to express my extreme dissatisfaction and outrage regarding the fraudulent items listed on my credit report. It is unacceptable that there are several items that I did not open or have any knowledge of, and it is clear that my identity has been stolen. The items in question, which include the listed accounts below that are a blatant violation of my rights and have severely impacted my financial standing. I demand that you take immediate action to investigate and remove these fraudulent items from my credit report without delay. The following items should be removed from my Credit File as soon as possible : XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LL XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. As a consumer, I have the right to dispute any inaccurate information on my credit report, and it is your legal obligation under the Fair Credit Reporting Act to conduct a thorough and prompt investigation into this matter. I expect to receive a written response from you detailing the results of your investigation and the actions you have taken to rectify this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX and XXXX XXXX for {$660.00} Credit Collection I Sent letters requested the credit bureaus XXXX, XXXX, Experian as well as the creditor to provide me the documentation of the proof of verification of investigation that they was suppose to did that they was able to determine account was in fact mine. I have not business with company and unaware of the debt. I also reached out the creditor as well and no response from them or the credit bureaus. And requested the account to be removed from my report if not able to verify it's still reporting on my report negative, and no response from bureaus
Product: Debt collection

I sent a letter to this company requesting written mail correspondence only and no phone calls. This company has called over 5 times since asked not to.
Product: Credit reporting or other personal consumer reports

My credit report is showing a charge off account from XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>. According to the FCRA I was suppose to receive a XXXX form for any debt charged off and is {$600.00} or more by law which I never received so I am requesting that form. This account should not be reported as a negative item to the credit reporting agencies, not only are they possibly committing tax fraud but they also violating FCRA 15 USC 1681 ( eb ) for reporting information that is not 100 % accurate.
Product: Bank account or service

Made a payment to my Old Navy account run by Synchrony Bank accidently through bill pay in the amount of {$1600.00} XXXX XXXX. Still do n't have it back. 

XXXX XXXX, I accidently made a payment through my online bill pay system at XXXX XXXX XXXX Old Navy in the amount of {$1600.00}. I had a XXXX balance with them since the card has not been used for sometime. Shortly after realizing I was missing additional funds from my account from making a payment to them and my original mortgage company I called XXXX XXXX to stop payment on the bill pay. They said they would n't be unable to as Old Navy has received my funds and I would need to work with them on the refund. Called Old Navy they said they would issue a check back to us. After several more calls. They said my account was closed and the fund are on their " general ledger ''. They would need proof the funds came from myself. Spoke with supervisor team multiple times. ( XXXX, XXXX, XXXX, XXXX ) Was requested to fax my bank statements and a letter over which was completed ( XXXX ). They said this was not enough, they requested I go directly to my bank and have a manager write a letter proving I made the payment. This was completed and faxed over as well, it included all dates amounts and account numbers. ( XXXX ) Still no payment was refunded. After several calls they stated the payments was made XXXX which no one could confirm. They said that they could not issue the check to me but would send it back to the bill pay servicer my bank used to pay them which was XXXX. 

Was transferred multiple times to XXXX and my own XXXX. They both stated that they see no payment made from Synchrony Bank. They continually asked for payment confirmation. After several calls to Synchrony Bank and being told payment was made, I had to continually ask for confirmation which no one has been able to provide. On top of this they closed the account and every time I called they required I conference in my wife which works during these business hours. Trying to add me as an authorized user was useless because they said my account was closed, which we never requested it be closed. Needless to say I have spent hour upon hours trying to get my money back that they accepted on a now closed account. 

Old Navy/Synchrony Bankacct # XXXXCustomer service line : XXXXAddress : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX ( XXXX ) Case # numbers : XXXX / XXXX # XXXXMerchant Service Phone # XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name XXXX XXXX  Account # XXXX {$270.00} Account name XXXX XXXX XXXX Balance {$230.00} Account name XXXX XXXX XXXX Balance {$610.00} Account name XXXX XXXX XXXX XXXX {$3700.00} Account Name XXXXXXXX XXXX account # XXXX Account Name XXXX XXXX XXXX Balance Balance XXXX Account Name XXXX XXXX XXXX XXXX account # XXXX Account Name XXXX XXXXXXXX account number XXXX balance {$320.00} Account Name XXXX XXXX account num XXXX balance {$230.00} has violated my rights. 

Inquires 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 I looked at my XXXX Transunion and XXXX credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I applied for a Chase Sapphire Reserve personal credit card in XX/XX/2022 but it wasn't approved until XX/XX/2022 due to delay and multiple rejections of my identification documents in different forms that led to having XXXX hard inquiries that shouldn't be at my fault. 


An agent representative on the phone incorrectly entered my personal information which led me to require to submit identification documents over the mail. I asked if I could securely email or fax it to the company faster, but many agents told me multiple times that I could only finish the application by paper mail. XXXX paper mail was never received because it was missing, but the other XXXX were rejected due to the inability to read the document even though I provided both black & white and color copies in case. 

Next, another agent told me that I can have the Chase Bank fax the ID documents for me when I thought I couldn't do it in the first place. I submitted official documentation ( not copies ) to the first branch in XXXX XXXX ( or XXXX? ), but when I followed up next week with customer service on the phone, they told me that they were unable to see the documentation. They did not specify how they could not see it. I repeat the step at a different Chase Bank and had them ensure they fax my official documents ( not copies ) clearly. 

The second Chase Bank in XXXX XXXX offered to call customer service for me to follow-up on my credit card application because it was XXXX months since I applied for the credit card at this point. Their credit card customer service line stated that my credit card application is closed because it was over XXXX limit. I told her that I was not made aware and I'm having trouble getting my credit card approved over the inability to see my ID documents, no specifications again. The previous agent also told me that my application will remain open due to simple required ID documentation. 

Then I followed-up with my application next week to find out that my ID documents that were faxed to a SF Chase Bank were denied because they can't read them again. I also complained that I had a second hard inquiry that is not my fault, but Chase and the credit bureau did not help. 

Finally in XX/XX/2022, a person from the same customer service number I called since the beginning of the application told me that she can send a secured email to submit my documentation through my Chase app. The submission and completion of the application only took less than XXXX while the entire ID submission took nearly 3 months and XXXX hard inquiries. 

Throughout the XXXX process, I've used the same form of ID documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted lexis nexis to dispute items they are reporting are inaccurate and they are providing this inaccurate information to the credit bureaus. They have refused to verify this information because they are unable to. I contacted the courts and they stated they did not provide any information to lexis nexis lexis nexis just search their portal so they dont no if its accurate or not.
Product: Debt collection

I have a couple complaints with this agency, I have attempted numerous times to get them to seize contact,
Product: Credit reporting

This happens every year. When I try to get my annual credit report, I have no problem with XXXX or XXXX. But Equifax arbitrarily denies access to my credit report claiming " security. '' They then set forth a long list of documents that I have to provide by mail to get my report. I think they are doing this to avoid having to provide a report. You should investigate their practices with respect to this.
Product: Vehicle loan or lease

At or around XX/XX/XXXX I was laid off from a union company and fell behind on my auto payment. I called my lender and received a XXXX month deferment. However the auto loan became 124 days delinquent XX/XX/XXXX. I did not become employed again until sometime mid XX/XX/XXXX, around this time the car was repossessed. I contacted my lender and informed them I had just begun work and was able to pay the delinquent amount. XX/XX/XXXX I paid them {$1600.00} to cover the money owed. They sent a release to the repo company and I went and picked up the vehicle. Some time had passed before I noticed that the vehicle loan had been closed on my credit report however I was still making payments to the lender, I still had access to my account on their website. I am still able to log into my auto loan online account and make payments with my account showing current. I disputed this via XXXX XXXX  and XXXX recently and my lender disputed my claim that the account is still open and current. I contacted my lender Santander Consumer USA, they informed me that the day my car was repossessed they transferred the debt to their Debt collection department. I was told by them ; since they are a bank and an auto lender, they dont sell the debt to a third party. When I paid the delinquent money I was never informed of this. To my knowledge they are not reporting my monthly payments and have continued to report my account as charged off for over {$10000.00} every month. I believe this is unethical, potentially illegal and its preventing me from increasing my credit score ; which is effecting my finances. I am still in  possession of the vehicle and continue to make payments that reflect negatively on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX there was a data breach and ever since then Ive had nothing but issues in trying to repair my credit all I ask is for a clean slate ... multiple unknown inquiries and acounts
Product: Credit reporting or other personal consumer reports

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXXXXXX XXXX. They in fact did not come from a XXXXXXXX XXXX. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the Credit Reporting Agencies via Disputed letter after I purchased a credit report with XXXX on XX/XX/2023. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/2023. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # and hoping that the late payments on the following accounts be corrected and fixed as soon as possible : XXXX  XXXX Balance : {$14000.00} XXXX  XXXX Balance : {$220.00} XXXX XXXX Balance : {$31.00}. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

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 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  - The following inquiries were not authorized and should not be reporting.

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

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

Valley National Bank has not closed my credit card despite 17 ( seventeen ) attempts to contact them. We have called their credit card dept between the hours of XXXX and XXXX EST. They never answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent in a letters disputing inaccurate information on my credit report on XXXX and still to this day have not received any response to my issue. All 3 major credit reporting agencies have violated my right to privacy under the FCRA 15 usc 1681 ( a ) ( 4 ) This has caused me denial of my consumer credit which is causing me to stress and have anxiety.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Immediate Resolution Violation of Federal and Texas Laws Dear AMER FST FIN, I am writing to formally address a clear violation regarding the unauthorized reporting of information to my credit report, as defined by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), 1681s-2 ( a ), and the Texas Finance Code under Sections 392.301 and 392.305, as well as Texas Penal Code Section 32.51 , which pertains to identity fraud. 

It has come to my attention that AMER FST FIN has engaged in the unauthorized reporting of information to my credit report without my explicit consent. As mandated by federal law under FCRA Section 1681b ( a ) ( 2 ), consumer consent is a legal prerequisite for such activities. 

Furthermore, Texas law under Section 392.301 of the Texas Finance Code prohibits the reporting of consumer credit information without proper consent. Additionally, Section 392.305 provides specific regulations to ensure fair and accurate credit reporting practices. Texas Penal Code Section 32.51, which addresses identity fraud, further highlights the serious legal consequences of unauthorized access and use of personal information. 

I have not provided consent for AMER FST FIN to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights under both federal and state law, potentially causing harm to my credit and reflecting a blatant disregard for the legal protections afforded to consumers. 

I hereby demand that AMER FST FIN immediately cease all unauthorized reporting of information to my credit report, as required by FCRA Section 1681b ( a ) ( 2 ) and the relevant provisions of the Texas Finance Code ( Sections 392.301 and 392.305 ). If this issue is not resolved within 30 days, it will be considered a willful violation of the law, subject to penalties, including those outlined under Texas Penal Code Section 32.51 for identity fraud. 

Obtaining consumer consent is not optional ; it is a legal obligation. I expect immediate action to rectify this situation and bring AMER FST FIN into compliance with both federal and Texas state laws, which protect consumers from unauthorized and damaging credit reporting practices. 

This notice is given in good faith with the expectation that AMER FST FIN will swiftly correct these violations and respect my rights under the law.
Product: Checking or savings account

At Laurel Road bank I opened up 1 checking and 2 savings accounts XX/XX/2023. On XX/XX/2023, I opened up my Laurel Road app to verify if 2 transfers ( First transfer amount : {$200.00}, and second transfer amount : {$1000.00} ) I made from XXXXXXXX XXXX either XX/XX/XXXX went through ; but noticed on XX/XX/2023 my Laurel Road accounts are restricted. The restriction states : " Your Online Banking account is restricted. To verify your identity and gain access, please call us at XXXX or TDD/TTY XXXX for our hearing impaired members. '' I contacted Laurel Road the same day I realized the restriction, gave them all requested information ( assuming I'd gain access to my account afterwards ) ; but they couldn't tell me why my account is restricted and will have to investigate it which may take up to 30 days. I asked if they can escalate the process because I have bills to pay, but they mentioned they can't guarantee I'll gain access to my restricted account before the 30 day investigation. 

After talking with a supervisor at Laurel Road, I was told XXXXXXXX XXXX  put a stop on the transfer which may be the reason why my Laurel Road bank accounts are now restricted. She told me to contact XXXX XXXX to see why they stopped the 2 transfers I submitted. XXXXXXXX XXXX  told me the transfers were stopped because they couldn't verify the bank. I contacted Laurel Road bank again to relate the information received by XXXXXXXX XXXX but they said it's nothing they can do and my account will still be under investigation for up to 30 days. 

I expressed my dissatisfaction with how things were handle : 1. I gave all the information Laurel Road bank needed to verify my identity and gain access which did not help, 2. there was no email/text message sent to me by Laurel Road before restricting my account, and 3. I have bills coming out of the account that won't get paid this week or for 30 days because of the restriction. I've been on the phone with both Laurel Road and XXXX XXXX  for over 2 hours and I really need this to be resolved very soon so I'm not behind on my bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

The following accounts/items do not belong to me. Please delete immediately. 

Bankruptcy - this account doesn't belong to me Action Requested : Please Delete XXXX XXXX - this account doesn't belong to me Action Requested : Please Delete XXXX XXXX XXXX  - this account doesn't belong to me Action Requested : Please Delete XXXX XXXX - this account doesn't belong to me Action Requested : Please Delete XXXX  - this account doesn't belong to me Action Requested : Please Delete Please send me an updated copy of my credit report showing that these accounts are removed.
Product: Checking or savings account

I am writing to file a complaint against navy federal regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged due to lagged posting of charges and credits. This issue aligns with the recent CFPB against navy federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request a investigation into my account transactions.