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

There are numerous unauthorizes inquiries on my credit report. I requested to delete them immediately.
Product: Credit reporting or other personal consumer reports

I have a Wayfair account that is through Citibank credit card company. There was a balance on my account that I reported as fraud ( identity theft ) for a purchase that I did not make. I contacted the company ( Wayfair ) and also Citibank. They said they would look into it for me. Wayfair determined I did not make the purchase because I've always paid for whatever I ordered through them in a timely manner and my account balance is XXXX. Citibank shows on my XXXX report as saying the charge was accurate ( which is not true ) and they have refused to delete the charge which is killing my credit score. I have uploaded my Wayfair account to them but I do not trust them anymore. I have been a victim of identity theft in the past and it's not good and it's really hard to recover from that. I've been working so hard to get my credit back up and I try to make all my payments on time and pay things off as quickly as I can. I want my credit report score to be back over XXXX which it was prior to this fraudulent charge showing up on my name. Citibank is not doing a diligent job of accurately finding out what happened. I have not been given any proof that I made a purchase and have not seen a product for the price. I did not purchase any type of Internet service from XXXX.
Product: Credit card or prepaid card

CHASE SAPPHIRE RESERVE CARD TRAVEL INSURANCE IS FRAUD Chase markets a credit card called Chase Sapphire Reserve with an annual fee of {$550.00}. One of the benefits I pay for is insurance for trips. Ive worked with Chase surrounding a claim in excess of {$400.00} and for 6 months have been given the runaround. 

1. ) Claim was originally rejected after 5 months of waiting 2. ) Rejection stated was the delay was not caused by weather - even though I submitted prove of a blizzard at the connecting airport and a statement from the airline indicating the delay was caused by weather 3. ) I have sent over 20 follow up emails inquiring on status 4. ) 3 months later, no update on appeal 5. ) System says its rejected, no return calls to discuss Chase has committed fraud by marketing the card to offer travel insurance yet makes it extremely difficult to receive any compensation.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report again, I discovered that some of the account was still erroneous. The XXXX credit bureaus must validate these accounts in order for me to establish a good record. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I, XXXX XXXX, am writing this complaint in response to complaint XXXX. You stated that my credit report was updated and that the late payment reporting XX/XX/XXXX was removed but it is still reporting on my most recent credit report which I will attach for your reference. I will be suing XXXX and Transunion if this account is not updated or removed from my credit report. Please see the attached loan payment schedule from the company XXXX and remove the account from my credit report. This account has been paid satisfactorily. You are reporting this account as 90 days past delinquent when it was only 30 days past delinquent. Your incorrect reporting caused this account to be considered a charged off account per the status on my credit report. Charge offs/ collections are removed 7 years from the date of my first missed payment. My first missed payment according to the payment schedule ( which I will attach for your reference ) was XXXX This account should have been removed in XXXX, yet it is still reporting. All of the payment history in XXXX is incorrect. I am sure you understand that this is a FCRA violation. XXXX has since removed this outdated and inaccurate account and I am requesting that XXXX and TransUnion follow suit.
Product: Consumer Loan

My end of lease excess mileage cost was calculated incorrectly. The company will not fix it and has ruined my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose Self lender is reporting an account on my report with late payments this should not be on my credit report by XXXX XXXX payments should not be reported with lout my permission I would like these late payments removed immediately Self lenders account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on my credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed in the attachments. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed in attachments. 

I contacted the US Bankruptcy Courts of XXXX Maryland and they stated that they do not send or communicate with any of the 3 CRA 's ever. XXXX So, you did not verify that account when you said you did. 

Despite my first written requests, the unverified items attached still 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 and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Credit reporting or other personal consumer reports

Wednesday XX/XX/XXXX I noticed that I received multiple email alerts showing that I have new derogatory accounts on my Experian credit file. When I logged in to the Experian website, I noticed that two new XXXX XXXX accounts were in my credit file. 

I also noticed that these 2 files were in dispute status. I had just found out about this, there is no way that I have disputed these accounts. There were 5 experian disputes made between XX/XX/XXXX & XX/XX/XXXX that I did not personal place. The disputes were all of the new derogatory accounts added. ( File included ) On the Experian credit file, one of the XXXX XXXX accounts is showing a charge off as of XX/XX/XXXX and the XXXX XXXX account is showing a charge off every month from XX/XX/XXXX unitl XX/XX/XXXX. ( XXXX XXXX report File included ) On XX/XX/XXXX I received an XXXX credit report also showing these two XXXX XXXX accounts I had not ever seen before. The XXXX XXXX accounts show that the accounts were discharged through a chapter XXXX bankruptcy, which is incorrect and there is no mention of any charge off. ( XXXX Report File included ) I believe this to be a FCRA violation. 
I have also included a FTC affidavit report. 

I have also disputed these files with XXXX XX/XX/XXXX and the disputed XXXX XXXX accounts have been deleted.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern and frustration regarding my recent dispute to correct a late open account on my credit report. Despite my initial attempt to rectify this issue, it remains unresolved, and I urge you to take immediate action.

I submitted a dispute with your organization to address an erroneous late open account on my credit report. I provided comprehensive evidence supporting my claim, including documentation that verifies the inaccuracy of this information. However, it has come to my attention that the late open account still appears on my credit report.

I insist that this matter be addressed urgently, as the presence of this late open account is causing significant harm to my financial life. It has unjustly lowered my credit score, affecting my ability to access loans, credit cards, and other financial services. I am entitled, as a consumer, to have a credit report that accurately represents my financial history.

I request the following actions to be taken promptly : A thorough and expeditious reexamination of the late open account in question.

Immediate removal of the inaccurate information from my credit report.

A formal, written explanation of the corrections made to my credit report.

I trust that you will treat this matter with the urgency and professionalism it deserves. Failure to address this issue promptly may compel me to take legal action to protect my rights as a consumer.

Enclosed with this letter, you will find copies of the evidence I previously submitted during my dispute for your reference. Please acknowledge receipt of this complaint within 15 days and inform me of the steps being taken to resolve this matter. I am asking for your assistance to correct this account : XXXX XXXX Balance : {$470.00}.
Product: Money transfer, virtual currency, or money service

I was trying to sell a computer via XXXX XXXX place and was contacted by a potential buyer. They wanted to use Zelle to transfer money which I was fine with considering I've used it many times before. They pretended to send me {$900.00} but a " business credit limit '' required {$1500.00} on their end to be sent and I'd have to send back {$600.00}. They had emails send out that replicated Zelle and it tricked me into sending them {$600.00} in two {$300.00} payments.
Product: Money transfer, virtual currency, or money service

Im formally expressing my concerns regarding Zelles handling of disputes. Particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies, my financial situation and Zelle failed to investigate my claims adequately. 
They informed me that overnight lost was impossible and tracking this transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed, repeated offenders to exploit the system. Leaving the users with nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously contacted nissan motors about them sending me information on the XXXX  XXXX XXXX but they have not be very helpful. I submitted a complaint with CFPB and they went on my XXXX  credit report to duplicate the XXXX XXXX account on my credit report. they are duplicating the same account on my credit report twice
Product: Credit reporting, credit repair services, or other personal consumer reports

I moved out of the apartment I rented before lease expiration date as it was dangerous to continue living there. There was a crack in the concrete ceiling that was growing in length and width and the landlord refused to fix it. I paid for the months I lived there in full. 

The landlord demanded two additional rents plus {$300.00} and they reported ( and probably sold this 'debt ' to FCO ( debt collection agency ). The collector sent me a letter demanding to pay this money, I replied with a dispute letter explaining the situation and requesting debt verification. 

The collector didn't verify the debt and escalated the case to credit report agencies ruining my credit score. I believe they violated Fair Debt Collection Practices Act ( FDCPA ) ( section 1692g ) and XXXX XXXX XXXX Administrative Code ( section 20-493.2 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is against XXXX XXXX XXXX, they've violated my consumer rights. Specifically, failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. There has been continued charges, added interest and fees which are to be suspended until resolution has been found. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. Not only have they ignored my prior requests for validation of the account but continued to contact me through means of robotical debt collection calling. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. I am intending on filing the disputes with the consumer regulatory bureaus and state attorney 's office. They are willfully violating the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The mental and physical health is under attack by the stress of this companies ' actions. The continual stress of harrassment, damage to credit report, and the collection efforts must stop until a reasonable resolution is found. My requests for validating accounts were ignored, I have never received any response from them to validate accounts. They failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 I applied for a goverment business loan but was denied do to my credit score. soon afterward I pulled my credit report there I notice numerous fraudulent accounts open in my name. I immediately contacted the diffrent crediors as well as my local police department. As of today I haven't had any of those fraudulent accounts, Names nor Address remover from none of the three credit bueraus XXXX, Transunion and XXXX.
Product: Debt collection

On XXXX 2015, i received a notice from AFNI that i owe a bill in the amount of {$1500.00}. 

On XXXX XXXX, 2015, i sent a certified letter to AFNI at the address identified on their letter head to validate the debt and they never responded. 

On XXXX XXXX, 2015 XXXX credit alert company contacted me to report that they had placed this purported debt on my XXXX Credit Report. 

This debt was placed on my credit report without proof that i owe the debt. Furthermore, i have requested XXXX, XXXX XXXX agency to send me the doecumentation and they continue to send it to different collection agencies without sending the information to me. 

This is viewed as fraud under the federal law according to the Fair Debt Collection Practices Act. I have the right to know the following about this purported debt. 

Who was the original creditor on this account and what was the account number? 
What was the origianl amount owed? Complete deteailed Payment History? 
What was the original date of delinquency for this account? 
Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment? 
What did you pay for this accountANDhow did you calclate the current amount owed?
Product: Credit reporting

Trans Union is not responding to my requests to investigate and remove some accounts from my credit file that do not belong to me.
Product: Credit reporting or other personal consumer reports

Per FRCA as a federally protected consumer I am opting out of any and all authorization, I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802. This is effective immediately and indefinitely.
Product: Credit reporting or other personal consumer reports

My XXXX XXXX were forgiven under XXXX XXXX XXXX XXXX Upon forgiveness, the loans fell off my credit report and stated paid in full. I noticed today that the loans have reappeared on my credit report. XXXX is/was the loan provider.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting inaccurate inquiries on my credit report from companies I did not authorize to pull my credit report. Equifax refuse to remove inaccurate inquiries from my credit report.
Product: Credit reporting or other personal consumer reports

Under my rights of FCRA 611 ( a ) ( 7 ) I'm requesting a complete description of all methods used to investigate my disputes that was verified by Transunion under CFPB Complaint # XXXX XXXX XXXX I sent a letter on XX/XX/23 to do a method of Verification and Transunion has failed to submit the information requested.
Product: Student loan

I had a plan to pay my loans every month for a certain amount, I 've done that. I always make my payments and yet they tell me I 'm late charge late fees call Day and night call family that does n't even have their names on the loans. They harass me all the time, they text me with fake information to try to get me to call them they call from random numbers with lies about things to trick me into call them. I had an agreement with the company from the start I have proof to show this agreement. I 've called them I 've emailed them, at first they acknowledged this and they stopped then they started all over again. My payments are n't even being applied to my loans I just get charged late fees every month even though I am paying every month. This company is stealing from me and other people and they do whatever they can to get money.
Product: Credit card or prepaid card

Per the FCRA, you are required to provide complete and accurate information to the credit reporting agencies. In regards to complaint XXXX, you referred to my account as a loan, not a credit card. This is blatant misinformation and is potentially illegal if you are referring to my account as a loan to the CRAs. This needs to be correct and the late payment on my account needs to be removed immediately due to your company 's negligence.
Product: Checking or savings account

I deposited a check, after this I haven't been able to access to my account.
Product: Vehicle loan or lease

I moved states in XX/XX/XXXX and went to register my vehicle in my new home state. My refinanced loan with Navy Federal started I believe in XXXX. 
So for three years my loan interest rate was at 3.890 %. Starting XX/XX/XXXX my interest rate drastically increased to 14.790 %. According to Navy Federal this was due to my failure in submitting the title of the vehicle I refinanced several years prior. 

This issue of Navy Federal not being listed as a lien holder was not discovered by me until I moved to Florida and needed documentation from my loan holder, Navy Federal, in order to register and re-title my car in Florida. 

Although, their website clearly states : If you refinanced from another financial institution, verify with them that the title was mailed to Navy Federal. Once Navy Federal receives the title, we will mail required paperwork, if any, to your address on file to apply for a lien-recorded title. Navy Federal will debit the DMV titling fees from your account and submit to the DMV on your behalf. 

Yet somehow the responsibility is being placed on me. And Im literally being taxed an outrageous amount of interest rate as a penalty. The previous financial institution confirmed with me that they submitted the appropriate information to Navy Federal and also stated that I was not responsible for getting the lien holder information changed, as confirmed on Navy Federals website. 

When this all came to light Navy Federal stated they could not and would not change the lien holder information which is incorrect. When I contacted the NJ DMV they stated that the financial institution must be the one to request the title etc. I went back and forth for months, many months between Navy Federal, XXXX, and the prior lender, etc. in a vicious and non ending circle. The prior lender, not Navy Federal, finally gave me a lien release so that I could get my title changed and be able to re-title my vehicle and register my vehicle in the state of Florida. 

Now, apparently, I still have to add Navy Federal as the lien holder which is an additional inconvenience but is doable given that they are the loan holder for this vehicle. But I discovered today that they refuse to retroactively fix the interest rate and will only change me back to my original interest rate, moving forward, after they receive the title with them listed as a lien holder. 

It is beyond outrageous and completely unconscionable that failure on their part results in me having to pay a super high interest rate and that they are unwilling to retroactively remove the additional interest rate. And are still holding me accountable for doing the job they failed to complete.
Product: Credit card or prepaid card

This card company chime denied my dispute I sent them documents of me having COVID 19 up untill now the people stole XXXX $ from me I've been in the house for XXXX weeks could go anywhere so to COVID 19 they have taken my money make it hard for my living and life..they have been acting out of racism.. they approved a claim for XXXX $ and laughed at me ..saying I did these transactions that's attached below
Product: Credit card

On XXXX I reviewed the suggestions on increasing my open credit accounts. Since I had only XXXX reported account ( I have little credit, to date have been a cash and carry ) and I was looking to expand per the suggestions on XXXX. American Express Blue was a suggestion for people like me. So I applied and lo and behold I was denied for too few accounts. I voiced my concern to American Express that they were advertising on a site for people like me then denying me for the very thing I applied to them for. This is a tragedy XXXX and American Express XXXX should be in sync for what they advertise as the product being touted to the consumer. Very dissatisfied and concerned. False advertising.