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

I am victim of identity and I am requesting for Experian to block and remove these fraudulent accounts immediately : 1. XXXX XXXX XXXX XXXX ACCOUNT # : XXXX BALANCE : XXXX 2. XXXX XXXX XXXX XXXX ACCOUNT # : XXXX BALANCE : XXXX 3. XXXX XXXX XXXX XXXX BALANCE : XXXX 4. XXXX XXXX XXXX ACCOUNT # : XXXX I have attached a copy of my police report for Experian to block and remove these fraudulent accounts.
Product: Checking or savings account

I deposited a check in the amount of XXXX XXXX  at the teller, and I was informed by the teller that the funds would be released midnight XX/XX/XXXX. However, I see on my banking transaction history that the amount will be released on XX/XX/XXXX. I am a XXXX member at the bank, and this banking activity is not unusual for me. 
I understand that bank has a duty to protect its interest and verify the check. However I need access to my funds and any process needs to be completed by the stipulated date of XX/XX/XXXX. The bank can not continuously delay the date when the hold will be lifted. This practice lacks standardization which causes damage to the brand.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; not withstanding, there are still a few items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have viewed my consumer credit report and notice some unathurized inquries that has been placed on my account on XXXX by ALLY FINANCIAL AUTO FINANCE Under 15 u.s. code 1681b-permissle purpose of a consumers report ( a ) 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 which it relates. I XXXX XXXX never gave XXXX, XXXX  AND XXXX._any written consent to report anything on my consumer report, NO consent is identity theft .a copy of the law is attached along with this dispute letter. and to add on the 3 major reporting bureaus are also at fault due to the fact that their are well aware of the following subchapter 15 u.s code 1681b ( a ) ( 2 ) ... I AM ASKING THE CREDIT REPORTING AGENCY TO PRODUCE A CONTRACT BETWEEN ME AND THE CREDIT REPORTING AGENCY LISTED IN THIS AFIDAVIT SHOWING THAT I GAVE YOU PERMISSION TO FURNISH THIS REPORT IN THE FIRST PLACE ... BY CHANCE THAT YOU DO HAVE THIS CONTRACT I WANT A SENIOR EXECUTIVE STATING THAT I GRANTED MY PERMISSION TO FURNISH THIS IN THE FIRST PLACE ... PLEASE DELTE THESE INQUIRES
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC XXXX regarding the account that do not belong to me. 

Account name : XXXX Account XXXX : XXXX
Product: Debt collection

My ex husband was using my social security number on a XXXX  XXXX  account. The account went to collections. I contacted both the collection agency and XXXX letting them know. Proving that the account was not mine I've never lived at the service address and all information attached to the account is not mine. My ex husband also called them stating it was not my account or debt. He paid the debt but they refuse to remove the remark from my credit report.
Product: Credit card or prepaid card

I am writing now in wish to gain your help. At the present time I am working on going over my credit, paying down my balances, and pursuing greater credit worthiness. You play an essential part in this procedure. I am asking about the account number referenced in this complaint. I see you have reported me 30 days late to the credit agency ( XXXX, XXXX and XXXX ) on XX/XX/2018 and I am submitting this in order to have this remark took back. I had believe I had made all my payments on time, the only thing I could possibly imagine, is that my statement didn't get to me in time.
Product: Mortgage

Call today Cal XX/XX/2020 to Caliber Home Loans where I have the mortgage on my house to ask for help because of or Covid-19 my work is reduced by 50 % weekly hours. The response was that Caliber suspends at 3 months I pay them. After 3 months I have to pay the 3 months at once!! na truth 4 months is impossible! What help is that??? I think Caliber does not want to help its clients!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Disputing Information in Credit Report XXXX I am writing about the inaccurate info Chase AUTO had provided to Credit Reporting bureau ( XXXX -attached ). 
I have set up AUTO monthly Payment of {$350.00} since XXXX until XX/XX/XXXX ( the maturity date ), debited timely end of month ( under MD law. ). 

Unbeknownst to me there was an outstanding balance of about {$59.00}. I was NOT notified until I received an alert from my ( XXXX  ) bank about a delinquent Chase acct on XX/XX/XXXX, which Id paid off. The DELINGUENT late payment caused my credit score to DECREASE by at least XXXX points ( attached ). 
XXXX ) Since then, I had spoken with many CHASE associates and supervisors to help clear up this erroneous reporting, none were helpful or showed any initiative except the standard responses ( XXXX XXXX XXXX, XXXX XXXX XXXX Executive office etc ). 
XXXX ) They also told me some letters were sent out which I didnt received, as I had selected PAPERLESS a long time ago. 
XXXX ) In fact, I was able to download a letter ( dated XX/XX/XXXX ) on XX/XX/XXXX ( ATTACHED ), which stated we would like to help you find a solution. 
XXXX ) I have contacted CREDIT BUREAS to help but they kept referring back to CHASE. So that was futile result. 
XXXX ) Please help me remove the erroneous CREDIT BUREAU reporting for the following reasons : A ) I was never late on payment since XXXX ( thats 7 yrs ) B ) Since I have selected PAPERLESS with Chase years ago, I never received any correspondence until AFTER the delinquent reporting. Id noticed in XXXX this year, my PAPERLESS feature was ( fraudulently ) not selected on CHASE website. Chase turned off that feature, Not me. 
C ) Based on the Chase website calculation, if there was an outstanding balance of {$59.00}, if that amount was later adjusted as additional fees/interest, AFTER my AUTO-PAYMENT set up. Currently, XXXX balance. Then it should not be considered a late payment. 
D ) It was explained to me that the {$59.00} was additional fees/interests ( after my maturity date ) when I made the XX/XX/XXXX payment. 
XXXX ) The very least, I should have received a courtesy call after being a loyal customer of 7yrs, even if Chase neglected to notify me electronically ( NO alerts from Chase XXXX I have always received a courtesy call ( except this ) in past years. 
XXXX ) I'm a military XXXX XXXX and I take my financial obligation seriously. Chase Reckless reporting ruined my credit score, by at least XXXX. 

Please review this serious matter as I have been a longtime loyal CHASE customer and right this injustice. 

thank you so much!
Product: Credit card or prepaid card

For 3 years, I have had credit card accounts with CitiBank that earn frequent flyer miles from XXXX XXXX. I have business and personal accounts listed in the name of XXXX XXXX registered to the address in this complaint. 
On XX/XX/2020, XXXX XXXX shut down my frequent flyer account and sent me a generic form email with no information as to why I was shut down. XXXX XXXX has confiscated over XXXX frequent flyer miles in my account earned from using my Citi credit cards. I applied for these credit cards in my own name and was vetted through identity checks and credit reports by Citi. I used the credit cards daily for purchases and earned frequent flyer miles. Citi sent me email offers to add new credit cards and to upgrade my cards, which I did, and earned additional frequent flyer miles from this. Now, Citi says that it is 100 % not involved in the decision by AA to close the accounts of many frequent flyers. Citi has engaged in deceptive practices towards its customers by routinely luring customers into new credit card products and offers to earn miles by spending money on their credit cards, then XXXX XXXX confiscates those miles, robbing the consumers. Citi claims it is uninvolved in this process, yet they are the ones offering clear terms ( do this, earn x miles ) and then allowing consumers to be robbed by XXXX XXXX. Citi claims ignorance about their own credit card products and allows XXXX XXXX to steal from its customers. I have filed a complaint with DOT against XXXX XXXX for stealing from me. I am now filing a complaint against Citi for deceptive practices ( promising rewards and allowing them to be stolen ), for bait & switch, and for misleading marketing campaigns to dupe customers into entering into contracts Citi fails to enforce in any way. Citi claims ignorance regarding its own products and refuses to protect its own customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Formal notice that you have failed to respond in a timely manner to my dispute letter of XXXX, d

eposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting a complaint against Chex Systems , Inc., regarding their investigation into a dispute I have opened regarding XXXX XXXX XXXX XXXX. I am attaching to my complaint my notice to Chex Systems under Section 609 FCRA. I am a consumer under the FCRA and XXXX XXXX is a Credit Reporting Agency under the FCRA. I am also attaching a copy of XXXX XXXX response to the CFPB which admits to the violations of XXXX XXXX under Section 609 FCRA. Additionally I am attaching a notice of intent to sue and an opinion of a lawsuit filed by the FTC against XXXX for similar violations of the FCRA. Pursuant to Section 609 FCRA companies ( XXXX XXXX ) is required to provide application and business transaction records regarding alleged fraudulent transactions to the consumer in a timely manner. This means that XXXX XXXX  is required to ensure that the entity reporting the information ( XXXX XXXX XXXX XXXX ) has supplied the above information to the consumer. XXXX XXXX can not as a matter of practice simply rely upon the creditor to verify the information as accurate or they become equally liable. XXXX XXXX response to the CFPB admits that they have failed to investigate the matter properly because XXXX XXXX only states that XXXX XXXX XXXX XXXX verified the information as accurate high does not comply with Section 609 FCRA.

Section 609 FCRA requires certain record to be provided to consumers and in XXXX XXXX response to the CFPB they do not state the documents were provided by XXXX XXXX XXXX XXXX to the consumer. While it is not XXXX XXXX responsibility to provide the required documents under Section 609 FCRA, it is XXXX XXXX  responsibility to investigate if the credit reporting entity did in fact provide the required documents under Section 609 FCRA. 

The response from XXXX XXXX clearly is replete with this information and as part of my complaint against XXXX XXXX I am stating that XXXX XXXX XXXX XXXX has continued to fail to provide the required documents under Section 609 FCRA. As such since more than 30 days have elapsed the derogatory item must be deleted based upon the failure of XXXX XXXX XXXX XXXX to provide this information to me since I did not open account with them.
Product: Consumer Loan

I am receiving emails stating that I owe a payday loan from   XXXX  , which i have requested documentation of, and they have refused to provide. I am not receiving emails stating that there is a " pending arrest warrant for check fraud ''.   The company appears to be " CASH INC '' with an email address of  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I contacted Experian in reference to a bankruptcy entry on my credit report with their company. I called Experian and a representative explained to me that the information was verified by the court listed at the bottom of the entry. I contacted the court listed, who explained to me they do not furnish any information to the bureaus and if they explained that the court verified data to them, that was false information. I then searched the laws of FCRA and I followed up in writing. I wrote a letter which is attached requesting information on the verification method they used to verify the information which is required to be furnished within 15 business days. 

As of XX/XX/2020, I had not received any methods of verification in writing from Experian. I did receive a generic printed letter stating the entry was verified by a 3rd company called XXXX with no details or proof included. On XX/XX/2020, I wrote another letter to them explaining again they indeed had incorrect information in reference to my report and I listed the entry along with the data that was incorrect and demanded they remove the inaccurate entry from my report. I also explained in the follow up letter, that I requested and needed to know how and with who they performed an independent investigation with instead of ignoring my request which is a violation of FCRA. 

On XX/XX/2020, I received a report from the company Experian named as the furnisher of data. XXXX does not provide any personal identifying information in the data they provided to me except a first and last name. I have attached the report they sent, the address listed in XXXX his incorrect, the SSN number is missing, the DOB is missing, the city of the entry is missing. A first and last name can not be used to verify someones identity. I sent Experian copies of the report from XXXX, and as of today XX/XX/2020 I have not received any follow up to the data provided to them that this is indeed incorrect and not verified to me. 

As of XX/XX/2020, I still had received no response from Experian providing the proof of method of verification. Per FCRA XXXX is a 3rd party company and can not be the furnisher of verification, verification must come from the original furnisher and the U.S Bankruptcy Courts in our nation do not provide that information to anyone due to federal law protecting consumers personal identifying information.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX, XXXX are consumer reporting agencies and I am the XXXX. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) The financial institution and the Consumer reporting agencies XXXX and XXXX, XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.
Product: Credit card

On XX/XX/XXXX, I noticed that my auto payments were not being made and they switched the bank that pays for all my credit cards without my notice and closed the account. I paid consistently until this technical problem occurred from the autopay. I have consistent payments from XX/XX/year> until XX/XX/year> from the correct bank account that I registered to autopay my credit cards. There are no other credit cards that I use that have problems with consistent payments. I have already called Bank of America and was told by a representative that they have forwarded this issue to their credit score department and were sent a letter that they can not fix the issue that the autopay malfunction caused.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off XXXX XXXX in full EARLY. There was another 18 months on the loan, I paid it in full. Experian investigated my complaint, as it still shows a balance of XXXX owed. Even though I sent them a copy of the paid in full from the XXXX website that shows it has been paid in full. I received the title from XXXX and have sold the car., yet Experian still shows a balance of XXXX. I have been having this problem for a month. They just sent me the new results that says their investigation is complete and the balance of XXXX remains unchanged. Disregarding proof that the loan has been paid in full. But experian told me to update my membership to a paying membership if I want more services. I am not going to pay them money to correct an error on my report.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer report and noticed that I had one late payment on an account that I was Never late for Consumer Reporting Agencies have assumed a vital role and have a responsability to report consumer information to the best of their ability with maximum Accuracy, I have Never been late on payments for the Account XXXX XXXX  XXXX. account number : XXXX Please investigade and provide Proof with statements showing that these payments were late, If Proof can't be provided, I demand this payment be updated to on Time as they should be as I was NEVER Late, thanks
Product: Credit reporting or other personal consumer reports

I am liable for this debt with XXXX XXXX. I did not have a contract with XXXX XXXX XXXX XXXX XXXX XXXX  they did not provide me with the original contract as I requested.
Product: Credit card

XX/XX/XXXX Fraudulent purchase of {$1600.00} for XXXX appeared on my online Synchrony XXXX XXXX. Called them immediately to report fraudulent activity. Simultaneously, after online shopping, my email account was hacked. 
XX/XX/XXXX Received digital letter from Synchrony bank stating that I was responsible for the purchase because I Authorized, participated in or benefited from the purchase. 
XX/XX/XXXX Re-opened claim with Synchrony Bank denying that I made this charge. XXXX XXXX XXXX XXXX XXXX to file a police report. Report # XXXX. 
XX/XX/XXXX Received digital letter from Synchrony bank stating my claim review was denied again. Charged back {$1600.00} on my credit card. Contacted Synchrony bank again and asked copies of all evidence they have to prove I made this charge. Told I couldnt reopen the claim until 10 days after requesting the evidence. I never received the evidence from Synchrony bank. 
XX/XX/XXXX Faxed the Fraud Investigation Form they had requested. 11 total pages of my evidence faxed. 
XX/XX/XXXX Called again and reopened the fraud claim. 
XX/XX/XXXX Received email from Synchrony bank stating my claim was denied again
Product: Checking or savings account

My account was charged 21 individual overdraft fees @ {$35.00} each for a total of {$730.00} charged to my account. The reason for the overdraft was a transition to a new employer and the wait time required to set up direct deposit to my account. The email notification that I would have normally received would have informed me that my balance was below the minimum balance. The email account for that notification was suspended when I terminated my employment with my previous company. I never received notification of any kind from XXXX XXXX that my account was overdrawn. I called XXXX XXXX for resolution of the charges and explained my situation. They credited my account back half of the charges. This is not sufficient. There is still a balance of charges totaling {$380.00}. They told me that the 21 individual charges where associated with recurring automatic payments that charge my account monthly. When I look at the charges that came in automatically they do not match up with the 21 charges against my account. I have been a long term customer and feel the charges are excessive and a small price to pay to keep a long term customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE ACCOUNTS I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ).

They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.