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

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the XXXX of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under XXXX XXXX. XXXX. Additionally, these misstatements are punishable as perjury under XXXX XXXX. XXXX. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Product: Checking or savings account

When I opened the XXXX XXXX XXXX  account I signed a blank XXXX screen to open the account. The bank is stating that I signed up for the courtesy pay program and I did not and would never sign up for something like this. I have never had an overdraft and do not sign up for things that incur fees. I have 4 accounts that appear linked on mobile banking and receive notifications about withdrawals and deposits along with statements all the time. I received nothing about this account being negative until XX/XX/XXXX when there was already {$160.00} dollars in fees assessed for spending {$58.00} over my balance. I had several XXXX dollars in all of my other accounts which could have covered the overages and I visited the bank a few times and it was not brought to my attention. They continually ask me if I want someone to call me about investing my money. The fees are exorbitant, my first overage was {$1.00} and a {$20.00} dollar fee was charged. They charged me {$28.00} five more times for a total of {$58.00} in overages that I didn't realize were being charged because I also thought the accounts were linked as they appear to be online. The bank stated they do not normally return those fees. Under normal circumstances I would understand this, but I feel that I was signed up for this program without my knowledge and the details were not included. All of my accounts had the same courtesy fee enrollment status that I did not sign up for. I was not given information about this when I opened my accounts. The first overage was drafted on XX/XX/XXXX and I received a letter yesterday and called to address it today.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted Experian and XXXX to have these fraudulent items removed. XXXX has requested Experian not to remove or dispute items. I've filed a FTC report as well as police report. These items are fraudulent and I feel like the companies are not complying.
Product: Credit reporting or other personal consumer reports

My XXXX XXXXXXXX XXXX  was stolen and total lost. I had XXXX XXXX with my car loan with Capital one and I called to see what I needed to do and I was told nothing and then months later I was contacted to say that they didn't have any XXXX XXXX for me I then had to contact my car dealer and get the information I then did a claim but was told that it was to late because by this time it had been over 90days since the car was totaled so I don't think that should be my fault because they dropped the ball, also this account is charged iff on my credit report and I don't believe that an item can be charge off more then one time however this item is showing charged off some months in XXXX and every month in XXXX which should be an error on my credit report
Product: Money transfer, virtual currency, or money service

A fraudulent wire transfer and foreign conversion per my original CFPB Complaint XXXX was made on XX/XX/year> for XXXX USD. Although I have been directed to XXXX to file a complaint against XXXX, I beleive that Citi who was the intemediary bank handling the wire transfer and foreign currency conversion was negligent in not recalling the wire in a timely manner and ultimately depositing the funds to the final beneficiary bank in XXXX. Athough XXXX made a recall request on XX/XX/XXXX, following a recall request made by me on XX/XX/XXXX, no action appears to have been taken by Citi or Citi XXXX to recall the wire in a timely manner.Given that the conversion would be a XXXX day settlement and the transfer of funds likely took additional time, it appears Citi was negligent on acting upon the request of XXXX to recall the wire. Since all fund transfers between banks and financial institutions particularly foreign transfers are documented by date and precise time per Anti Money Laudering regulations, I am seeking these dates and times by Citi and Citi XXXX in which my funds were ultimately transferred to the receiving bank XXXX XXXX determine whether there was misfeasance on the part of Citi and their affiliate..
Product: Credit reporting

Did online dispute for Experian for XXXX XXXX as creditor I owe. I informed them the creditor listed was included in my Chapter XXXX bankruptcy. They refuse to update and sent back a correspondence that says the balance is correct, and the account is still pass due. i even forward a hard copy of Bankruptcy documentation. They still refuse to acknowledge and list the correct amount at the time the bankruptcy was file, and still listed for over 19 mos. since bankruptcy has been in effect. In below attached document was sent in which list all creditors. XXXX who represents XXXX XXXX still list debt as if I am not taking valid claim and is past due
Product: Credit card

Synchrony Bank manages the credit card accounts for Walgreens ( I.e., {$500.00} limit ), ShopHQ ( I.e., {$1500.00} limit ), and Sam 's Club ( I.e., {$1000.00} limit ). On three separate occasions, I was while in each of the stores, I preapproved for an account during the check out process for a purchase, and accepted the account. Over a period of one year, Synchrony Bank began reducing the credit limit to the current balance following a payment, until they finally closed the account. With the exception of one late payment on the Walgreens account in XX/XX/, all monthly payments were made on or before the due date. 

Each time Synchrony Bank lowered the credit limit, my credit score was negatively affected. The closing of two accounts, ShopHQ and Sam 's Club, further devastated my credit score. The Walgreens credit account limit has been gradually reduced from {$500.00} to {$100.00}. The customer service representative stated that the decisions were due to a scoring system Synchrony Bank uses to determine creditworthiness. However, Synchrony Bank 's practices appear discriminatory or targeting in nature. There were extenuating circumstances due to my sons ' illness and unexpected death. In fact, this information was shared with Synchrony Bank and other creditors to explain the high use of credit accounts was due to my son 's illness and his lack of benefits. Synchrony Bank is the only creditor who responded in this manner. All of my accounts are paid as required. 
In XXXX XXXX, I contacted customer service to explain the reason for the one late payment to Walgreens, which was approximately fifteen days late. My son had been ill and passed away on XX/XX/. I was concerned that Synchrony Bank would continue to reduce my credit limit. I explained that Synchrony Bank had closed ShopHQ and Sam 's Club accounts when all payments were made on time. The representative stated the bank would not reduce a limit or close an account for one late payment. However, on XX/XX/, I logged into my Walgreens account to make a payment and discovered the credit limit was reduced to {$100.00}. 

I contacted Synchrony Bank via an online Chat. They do not post a telephone number for customer service. Once again, the representative stated the bank does not close an account or reduce a credit limit for one late payment. I explained my past experience with Synchrony Bank. It took several minutes communicating in the Chat before I received a telephone number to call ( XXXX ). I contacted customer service to file a complaint for discrimination and the pattern in which my three accounts were targeted, then two were closed. Subsequently, the representative, XXXX, informed me that she couldn't guarantee I would be contacted by the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

After several attempts to get this matter resolved, XXXX XXXX XXXX still has a collection on my credit report while they are not able to provide 1 ) A copy of the original application which includes my electronic signature 2 ) Full payment history from the original creditor 3 ) The original purchase agreement that shows that they legally own this alleged debt that provides the name and address of the original creditor. Since they can't provide these items, that is proof they can not legally collect this alleged debt. Secondly, XXXX XXXX XXXX is NOT licensed to collect debt in the state of Alabama. Section 604 A Section 2 of the FCRA states a consumer reporting agency can not furnish an account without my written instructions. I have at no time sent any reporting agency my written permission and they are not able to prove that I have. Section 15 U.S.C 1666B states : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Student loan

On XXXX XXXX, XXXX, I received a call from Navient, the entity handling my school loan. During this conversation, I was told they made a mistake in calculating the interest and in order for them to adhere to the ending date for my loan, they need to change the monthly payment from {$790.00} to {$1700.00}. The ending date for my loan is XXXX XXXX, XXXX. There is only 7 months left remaining on my loam, which I have been paying since XXXX. The {$1700.00} payment is to begin XXXX XXXX, XXXX. I requested a copy of the promissory note/contract, justifying their actions. Initially, I was told they would not be able to locate it because it was so old. I insisted they provide a copy and I was told they would mail a copy to me in 7 to 14 days. I have not received it. I also requested they terminate the Auto Pay feature. They agreed to do so. Yesterday, I received a letter from Navient stating I will be charged additional interest because I terminated the Auto Pay. The letter did not provide any information as to the amount of additional interest. In the same envelope, another letter stated there could be other options available to repay my loan by extending the repayment period up to 10 years. I also spoke with a supervisor at Navient, who confirmed my payment will change due a mistake they made in calculating the interest. Navient gave me less than 30 days notice concerning this drastic change in my loan payment and they have not provided any documentation to support their action. Their internal appeal process takes more than 30 days and can take up to 90 days, which does not allow me sufficient time to dispute their actions before the outrageous payment of {$1700.00} is due.
Product: Debt collection

I was threatened with a lawsuit so I called this company whom I have previously paid other debts too. They agreed to biweekly payments. Debt was paid I have all my bank stayements showing the dates of payment to this debt. After it was paid I got a XXXX $ balance reflection and then the next month they rebilled me for the FULL AMOUNT again.
Product: Credit card

My credit card was being swiped at a merchant I frequently used while I was not there. I filed a dispute with Chime for a total of {$41.00} in fees. The csr stole the provisional credit and then sent me an email stating I would not be getting a provisional credit although my dispute was just filed.
Product: Debt collection

These accounts are inaccurate for the following reason : I did not authorize these debts or accounts, and they were opened fraudulently without my knowledge or consent. This constitutes a clear violation of FCRA 623 ( a ), which mandates that information reported to the credit bureaus must be complete and accurate. Reporting false or unverifiable information is a breach of federal law. Additionally, as a victim of identity theft
Product: Credit reporting or other personal consumer reports

On XXXX/XXXX I received a letter from CPS Consumer Portfolio Services , Inc stating I was declined credit. for foreclosure repossession collection action or judgement. I dont have XXXX repossession collection action or judgement on my credit. But I never authorize for this company to run my credit. I have a security freeze on my credit. In XX/XX/year> I was notify of fraudulent XXXX claim from my job, that someone applied for unemployment I filed a police report bcuz I was working and never applied police report number Is XXXX XXXX XXXXXXXX.
Product: Credit reporting or other personal consumer reports

I have tried to dispute the same items on my credit report for several years. I have asked for debt validation, I have asked for the results of the investigation, I have asked to be sent the original debt, I have stated that this is a violation of the fair credit act, I have sent letters electronically, sent hand written letters, sent typed letters with a wet signature and have not received a response to a dispute or the results of the investigation or information about what happened. My credit score has been damaged for so long without any updates. Nothing has been removed from my credit score. They have allowed debt collectors to change the dates of the debt that were older than 8 years to look current. I do not believe there was ever an investigation into my disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

AFFIDAVIT OF TRUTH SIGNED BY LOCAL NOTARY, SENT VIA XXXX CERTIFIED MAIL # XXXX. I sent a demand to EXPERIAN notifying them that there is inaccurate and false address on my credit file. I certify that i have never lived in the city of XXXX. as a matter of fact both of these addresses are not even XXXX DELIVERABLE, please Amend these errors. 

EXPERIAN ALWAYS CLAIM THEY CAN NOT CORRECT THESE ITEMS BECAUSE A CREDITOR IS ISSUING THE DATA, BUT THAT IS FALSE. HOW IS IT XXXX, XXXX ARE ABLE TO FIX THIS SIMPLE ISSUE YET YOU CAN NOT? 

I INTEND TO SUE IN FEDERAL COURT AND INTRODUCE INTO EVIDENCE MY AFFIDAVIT OF TRUTH OF WHAT I ASKED EXPERIAN TO AMEND IF THEY CONITUE WITH THEIR NEGLIGENT NON-COMPLIANCE.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my XXXX credit report, and I noticed some late payments posted on my credit report : Your company is in clear violation of the law. Under 15 USC 1681 Section 609 ( a ) ( 1 ) ( A ) you are required by federal to verify- throuth the physical verification of the original signed consumer contract any and all accounts you must on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCCOUNT ARE FRAUDELNT AND ARE REPORTING IN MY CREDIT REPORT I HAVE REPORTED THIS PROBLEM TO XXXX  XXXX XXXX IN SEVERAL OCCASION XXXX  XXXX XXXX # XXXX ... 
XXXX  XXXX XXXX # XXXX 
LVNV FUNDING LLC # XXXX
Product: Credit reporting or other personal consumer reports

Deducted XXXX points from my credit report **Experian** XXXX XXXX XXXX XXXX, TX XXXX XXXX : ** Formal Complaint Regarding Inaccurate Credit Reporting Dear Experian, I am writing to formally address a serious issue regarding the deletion of my XXXX XXXX XXXX XXXX account from my credit report. This account has a perfect payment history spanning over one year, and its removal is not only unjustified but also a violation of my rights under the Fair Credit Reporting Act ( FCRA ), particularly Title 15, Chapter 41, Subchapter III, 1681, which emphasizes the importance of accuracy and fairness in credit reporting. 

As highlighted in the Congressional findings and statement of purpose, inaccurate credit reports can significantly impair the banking system and undermine public confidence. I rely on my credit report to reflect an accurate picture of my financial standing, and the deletion of this account misrepresents my creditworthiness. 

I urge you to correct my credit report to reinstate the deleted account. If my credit report is not corrected promptly, I will escalate this matter by contacting the Consumer Financial Protection Bureau ( CFPB ) whistleblower department via email. 

Thank you for your immediate attention to this matter. I look forward to your prompt response confirming the correction of my credit report. 

Sincerely,
Product: Checking or savings account

Hi, i just connect my HSBC XXXX account to my american account, and they did not put ANYWHERE to let us international account holder about how COMMON scams are in new york. 2 weeks after i get my card, i try to find jobs as a XXXX XXXX XXXX. I got scammed because i didnt know that they can scam me with blank cheques ( because WE DONT USE CHEQUES in XXXX so I DONT KNOW WHAT AND HOW IT WORKS here with cheques ). 2 days after a fake employer ask me to upload cheques for " her new furnitures '' my HSBC account got suspended. I went to HSBC XXXX XXXX to fix this but they took my card and close my account without opening me a new account.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern : On XX/XX/XXXX I checked my most recent credit report provided by Experian and was surprised to find hard inquiries that I did not recognize or authorize. As reference please see the inquiries below : XXXX XXXX  on XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX on XX/XX/XXXX I am hereby notifying you that I have never authorized the aforementioned companies to access my credit report. Additionally, I have never given Experian my consent to furnish this information. These inquiries on my credit report are a clear violation of my consumer rights under 15 USC 1681b ( c ). 

If you are under the impression that you lawfully furnished this information I am requesting you send me any evidence or proof to support your claim. Otherwise, I am requiring that you immediately remove the aforementioned inquiries from my credit report. 

Thank you for taking the time to read this notice. I look forward to this matter being resolved promptly.
Product: Credit reporting or other personal consumer reports

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

XXXX ( Original Creditor : XXXX XXXX XXXX ) {$630.00} XXXX {$9900.00} XXXXXXXX XXXX  XXXX {$0.00} XXXX XXXX  {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX {$0.00} XXXX {$8400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I ran my credit recently to start generating credit and see someone else has been using my credit before I even got the chance to. I have no knowledge of these accounts nor did I give anyone access to any of my personal information. Below are the accounts. 

XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX USA ( XXXX ) XXXX amount {$1200.00} opened-XX/XX/XXXX ( 4 yrs, 1 mos ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX USA ( XXXX ) XXXX amount {$250.00} opened-XX/XX/XXXX ( 3 yrs, 10 mos ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX USA ( XXXX ) XXXX amount {$320.00} opened- XX/XX/XXXX ( 3 yrs, 4 mos ) XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NV XXXX USA ( XXXX ) XXXX amount- {$0.00} opened-XX/XX/XXXX ( 5 yrs, 3 mos ) XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX USA amount- {$370.00} opened-XX/XX/XXXX ( 5 yrs, 6 mos )
Product: Vehicle loan or lease

XXXX XXXX XXXX is in violation of privacy act 1974, I didnt give XXXX XXXX XXXX Consent to report my personal information I also dont remember doing any business with this company, do to XXXX XXXX XXXX violating my privacy rights, I have been Suffering emotional damage when it comes to purchasing a home for my children not only that I am suffering but my kids as well, this is call pain and suffering, I have been humiliated. I will like to opt out of this charge off, 15 U.S.C 6802-15 U.S.Code 6804 Obligations with respect to disclosures of personal information. Do to sending my information to a nonaffiliated third party such as XXXX, Transunion and XXXX other fraud has been committed under my name. Please show me where I gave XXXX XXXX XXXX the consent to share my personal information to these institutions. 
15 U.S.C 6501-15 U.S.C 6505.

433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 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.