23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Let me start by giving you my background, I worked on XXXX XXXX for 20 years and have XXXX XXXX, XXXX. I have more than the average grasp of Banking Regulations. What Chime bank is doing, and from what I gather on a massive scale is collective fraud. Since this has happened to me, I have read hundreds of stories about similar theft. How its gone on in this day and age with all this regulation to protect the customer is beyond me. Chime has implemented a culture of theft and my guess is they will steal as much as they can until the Feds shut them down. 

What happened is I received an email my account was suspended due to suspicious funds. I explained to them my funds are coming from the New York State Department of Labor. That they were my unemployment benefits and thee is no way the could be suspicious Over the next day I sent them my drivers license, passport, two credit cards, my apartment lease. What all of this has to do with suspicions funds is beyond me. The crazy part is the wouldnt let me talk to anyone, i never had access to a human being. Just a generic email and when the person would respond it would be with a first name and last initial. Again the reiterated my funds were suspicious and the were closing my account and keeping the money. I could not believe such blatant fraud. You guys have to shut them down, they have stolen from a lot of people. They stole my unemployment which was {$410.00}, and I couldnt feed my family, I am beside myself. I couldnt even get a name or a phone number
Product: Credit reporting, credit repair services, or other personal consumer reports

i reached out to XXXX XXXX and and XXXX XXXX XXXX to see how these unauthorized inquires were added to my credit report and I became aware someone got access to my credit report. I made a police report regarding this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently had a company report a that my account was 30 days late in XXXX on my credit report. The account that is reporting this is XXXX. I was absolutely 100 % NOT 30 days late, and I have PROOF of this. I have NEVER been late or missed a single payment on this account and, in fact, not only was I NOT late in XXXX, but I also made TWO ADDITIONAL payments that I DID NOT HAVE TO MAKE in XXXX and paid FAR MORE than the minimum due for the month of XXXX because I am trying to pay the account off sooner rather than later as I am purchasing a new home. 

Now, here is my problem with EXPERIAN. I have been trying to file an online DISPUTE for this account for the past FIVE DAYS and I keep getting an error message saying, " Oops, we're sorry! We are currently unable to process your request '' whenever I try to file a dispute. I have NEVER had this issue with Experian before when trying to file disputes online. I have emailed Experian customer service XXXX XXXX in the past several days, but my emails are being IGNORED and NO ONE has replied to me. 

FIX YOUR ONLINE DISPUTE so I can FILE MY DISPUTE or I will take LEGAL ACTION against Experian. With this complaint, I have uploaded a screenshot of this error that I keep getting whenever I try to file a dispute. I have been getting this error for NEARLY AN ENTIRE WEEK. FIX IT. NOW.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed several hard inquires on my credit report that I do not recognize. The list is as followed : Inquiry from XX/XX/XXXX : Institution Information Credit Info XXXX  XXXX, IA XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX : Institution Information Credit Info XXXX XXXX, IA XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX : Institution Information XXXX/XXXX  XXXX, VA XXXX ( XXXX ) XXXX
Product: Debt collection

I sent the collection company ( Portfolio Recovery, LLC ) a letter on XX/XX/2023 asking them to stop contacting me about a debt in the amount of {$1000.00} from a XXXX XXXX account XXXX as the debt was from XXXX and could not collected on due to my state 's ( New York XXXX statute of limitations on such a debt. Despite this, I received a letter on XX/XX/XXXX and a call on XX/XX/XXXX at XXXXXXXX XXXX  EST about the debt in question. In addition, calls before and after sending the letter have consisted of hangups upon being answered, in a manner that feels like harassment.
Product: Credit card or prepaid card

I opened a Bank of America Unlimited Cash Rewards Signature card. The card had a XXXX XXXX introductory rate. It was disclosed that starting XX/XX/XXXX, the interest would start on the card. I specifically opened this card as I had large expenses and needed the 0 % interest rate to allow time to pay the card off. I had to make large payments to this card which put a financial strain on me because I knew that in XXXX of XXXX I would start paying interest on the card if it was not paid off. I was able to get my balance down from {$14000.00} to approximately {$6000.00}. I was still stressed as to paying this card off. I get a letter in the mail from Bank of America on XX/XX/XXXX stating my 0 % interest has been extended out to XX/XX/XXXX. This notice only came a month prior to the original information of XX/XX/XXXX. Had I been given this information in a timely manner, I could have budgeted and paid this card in a way that would have not caused stress and hindered my finances. This notice should have been given when first receiving the card as the notice states " They apologize for sending my card late and it impacted my account terms ''. These terms needed to be disclosed when the late card was received, which was last year.
Product: Credit card or prepaid card

XXXX this is the original complaint I filed with you guys in regards to this company after you close the case they reverse the charges and charge me back
Product: Credit reporting, credit repair services, or other personal consumer reports

As a federally protected consumer, I am aware that you lack legal standing ; you can not hire an attorney to represent you. I will seek a default judgment, and you will join a class action lawsuit seeking damages for XXXX, XXXX and XXXX XXXX, as well as at least 1 % of the company pursuant to XXXX  XXXX OR ANY OTHER AMOUNT OF DAMAGES PURSUANT TO XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX offender search that is very wrong I am not one
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 12. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report
Product: Debt collection

XXXX  representative knowingly lied during a verbal agreement on a recorded phone call. In an attempt to settle this debt I calle d Diversified Consultants t o setup payment arrangements.   The  DCI re p was  XXXX   XXXX . I told  XXXX   XXXX  that I am currently not working, but that I could set up a automatic payment plan of {$20.00} a month to resolve it. Before I gave  XXXX   XXXX  my credit card information I specifically asked him if the account was being sent to the credit reporting agencies.  XXXX   XXXX  stated that as long as I did not default on my payment arrangement, it would not be reported.  2 payments ( 2 months ) into my payment plan I was alerted by my credit monitoring service that DCI  had reported the  XXXX   XXXX   XXXX  account as a unpaid debt. I contacted  XXXX   XXXX  at  DCI t oday to try and resolve the issue, and he stated that he remembered our conversation from 2 months ago in great detail and that he did not say that my account was not going to be reported.  DCI  is refusing to remove the account from the credit reporting agencies, even though the account is paid off.  DCI als o refuses to release/play/share the recorded phone conversation that includes the verbal agreement.
Product: Debt collection

Rausch Sturm filed a lawsuit to collect on a fraudulent debt. They had been notified repeatedly that this debt fraudulent yet they continued knowing that they lacked the evidence to substantiate the debt in court. This is part of a larger scheme by XXXX XXXX XXXX XXXX which uses various law firms around the country like XXXX XXXX XXXX  XXXX ( which has finally been driven out of business ) and XXXX XXXX XXXX XXXX to harass and threaten American Citizens for fraudulent debts that exist only on spreadsheets and in purchase agreements between dishonest creditors, XXXX XXXX XXXX and the dishonest law firms they hire. 

This is a plain and simple violation of the The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p. In the present case there is a specifi violation of 812. " Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.

( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter.

15 USC 1692k In this case, Rausch and Sturm falsely claimed that they were suing on behalf of XXXX. In fact, XXXX had acknowledged that the debt was fraudulent in 2019 and claimed that XXXX XXXX had been notified.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX. 

Trans Union XXXX. XXXX # XXXX XXXX, XXXX XXXX & XXXX   XXXX. XXXX  XXXX XXXX, TX XXXX RE : BANKRUPTCY ACCOUNT NOT IDENTIFIED To Whom It May Concern : I received a copy of my credit report and the items listed below were included in my bankruptcy but are not identified as such on my credit report. Please see the attached document- these item numbers written next to the problem entries.

According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must updated to reflect discharge in bankruptcy. 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 

If you have any questions or need additional information, please contact me at the address listed below. 

Thank you. 

Sincerely, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX, FL. XXXX XXXX : XXXX
Product: Payday loan, title loan, or personal loan

I took out a small title loan on my paid off XXXX XXXX vehicle for {$2100.00} on XX/XX/XXXX. I was making the monthly payments on the loan and the balance never went down it keep increasing on a monthly basis. I was diagnosis with XXXX XXXX and I still kept in contact with them with updates on my health status. i also advised them I had lost m job due to the amount of time I needed to take off from treatment which they were also advised up. I continue to try and make payments and the balance still continued to increase with unreasonable interest and fees. Then there were issues with car that required very expensive repairs, Which I notified them of that as well, they made no attempts ts to work with me or justify the amount of fees and interest they had been charging me.The issues of my complaint as follows : 1 ) The car then had been repossessed with out any contact being made to me that that it was in that status or that that was the intent. 2 ) The cars value was {$9900.00} without after market accessories included prior to repairs. 3 ) I was never sent information or documentation stating they still was a balance added off {$770.00} 4 ) Reporting inaccurate information to the credit bureaus stating that this was a automobile loan, the last  payment being made XX/XX/XXXX, Account Closed XX/XX/XXXX. That there is a balance of {$770.00} still is owed. This information is severely hurting my chance of recovering financially after my heath issues. 5 ) A high balance of XXXX for a {$2100.00} loan
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this complaint to follow up the previous complaint I submitted on XX/XX/2022 requesting the removal of the Fraudulent information completely from my Credit Report. I was a victim of Identity Theft and I am submitting this complaint regarding the fraudulent information I found in my reports. The following items are not affiliated with me nor I received any money, goods, or services as a result of identity theft or they authorized by me. The TransUnion, XXXX, and XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act section 605b and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. I have read that under the FCRA section 605b the Credit Bureaus are required to remove any account and information that resulted due to identity theft. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$0.00} XXXX XXXX Balance : {$2000.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$1600.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX : {$730.00}
Product: Credit reporting or other personal consumer reports

Nissan North America is currently jeopardizing my legal rights. Any harm inflicted upon my legal entity is, in turn, causing harm to myself, XXXX XXXX XXXX. Failure to adhere to the appropriate procedures implies consent to the terms and conditions outlined for the concerned individual involved in the ongoing legal proceedings. This situation is of utmost gravity, and as a consumer, I was not provided with full disclosure. I have received a cease and desist notice regarding an unsubstantiated claim. As the rightful note holder and XXXX lien holder of XXXX XXXX XXXX, the life claimant, I assert that the vehicle in question has been fully paid for and purchased on credit. 

NMAC 's actions are a deliberate infringement upon my consumer rights. I demand that they rectify the inaccuracies in consumer reports and cease all media communications and collections until the conclusion of the ongoing litigation. Your cooperation in this matter is appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX SS XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX FL XXXX Dear Sir or Madam : I am writing to dispute the following information in my file. 
IT SHOW THAT MY NAME IS XXXX XXXX MY CORECT NAME IS XXXX XXXX XXXX PLEASE DELETE XXXX XXXX FROM MY PROFILE THANK YOU I am requesting that the item be deleted Enclosed are copies of MY ID XXXX XXXX   XXXX SS XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Other financial service

Since using the service it appears my credit improved then when i stopped using services i have not been able to get a school loan or car due to unknown activity as the result of their services at Lexington law firm credit services
Product: Payday loan, title loan, or personal loan

I have asked to have recurring payments removed my account, Ive asked through email and phone call. The lender states that they have done it and payments continue to be automatically processed. 
Ive sent email on XXXX,. 
On XX/XX/22 they replied they were processing my request, on XX/XX/22 they said it was disabled. XX/XX/22 they replied it was disabled, XX/XX/22 they replied it was disabled. Auto debits were processed on XX/XX/22 and XX/XX/22 and website still shows Im set up for recurring payments.
Product: Checking or savings account

On XX/XX/XXXX, I disputed a transaction for XXXX made on XX/XX/XXXX by XXXX ( reference number XXXX ). This dispute remains unresolved. In XX/XX/XXXX, I called the bank 4 times, roughly a week between each call, asking for an update on the claim. Each time I was told a request was submitted for the dispute department to contact me within 3-4 business days. At no point has anyone from the bank contacted me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporter Act XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 8 states I have the right to privacy 15 U.S.C 1681 section 604 a section 2. I also state a consumer reporting agency can not furnish your account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 120 days past due on a loan with the XXXX/XXXX - partial account numberXXXX. This account reflects a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these coding errors be corrected. This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Subject : Formal Dispute Regarding Inaccurate information on My Credit Report Dear Experian I am writing to formally dispute inaccurate information on my credit report that I belive is harming my finacial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigating into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau field a lawsuit against Experian for its failure to properly investigate consumer, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include :
Product: Debt collection

see attatched REGIONS letter XX/XX/XXXX confirming a dispute was recieved XX/XX/XXXX PER REVIEW NO DISCREPANCY WAS FOUND. Due to my XXXX I have no one to assit in THIS EXTRA HARRASSEMENT STEP OF REGIONS ID THEFT KIT. I HAVE SUBMITTED IT TO AUTHORITES REGIONS DENIED MY CLAIM. Regions may view the attatched FTC ID THEFT REPORT case XXXX for any information needed or documentation of fraud date XX/XX/XXXX. see attatched MAIL FRAUD LETTER of XX/XX/XXXX. also see attatched REGIONS REPLACEMENT CARDS DOCUMENTATION. My records show XX/XX/XXXX I REPORTED UNAUTHORIZED TRANSACTIONS CARD END XXXX. XX/XX/XXXX REGIONS REPLACED FRAUD CARD WITH CARD END XXXX see attatched XX/XX/XXXX regions letter end this card XXXX. Over {$2000.00} reported unauthorized to no avail. CLEARLY THESE WERE ALL REPORTED TIMELY EVEN FROM DATE OF LETTER XX/XX/XXXX THEY ARE NOT PAST 60 DAYS. MY CLAIMS DISMISSED THEN CORP OFFICE REFERRED ME TO BRANCH XX/XX/XXXX TO RESOLVE. EMAILS FROM THIS OFFICE UPON REQUEST. STILL NO RESOLVE. My records show I reported fraud again XX/XX/XXXX REGIONS REPLACED THIS FRAUD CARD ENDING XXXX I reported again XX/XX/XXXX REGIONS REPLACED CARD END * XXXX.???? Then they denied my claim. Kindly Note Regions Letter of XX/XX/XXXX IS AFTER CONFIRMED INVESTIGATION thus HAD TO BE REPORTED PRIOR TO XX/XX/XXXX. KINDLY NOTE THE CARD ENDING WAS XXXX THE FIRST REPLACEMENT. CARD FROM XX/XX/XXXX. FRAUD CONFIRMED REPORTED TIMELY. REGIONS DOES NOT RESOLVE FRAUD. REGIONS COLLECTS ON ID THEFT. REGIONS DOES NOT PROVIDE XXXX ACCESS MOBILE APP. OR WEB. THREE BROKEN LAWS. REGIONS PRETENDS THEY DO NOT KNOW WHAT I AM TALKING ABOUT. EMAILS OF IGNORING ME XXXX XXXX FROM XXXX XXXX XXXX FL BRANCH OFFICE XX/XX/XXXX UPON REQUEST AND THAT IS after corp ignored me over a year.
Product: Checking or savings account

I opened the account with a mailer promotion that gives me XXXX $ bous after I qualified the direct deposit of XXXX $ within 60 days, I qualified it within around 50 days but now the company still havent pay me the opening bonus they advertised and promised. I am also having a hard time communicating with them through phone channel. 
I kindly ask TD bank to review my account and post the bonus that i deserved from Day1. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to get e loan for school from my bank end I was not approved. I got a copy of my credit report finally and there are things on there that are not mine. I was advised XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove these accounts from my credit.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonableXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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