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

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

Account name XXXX  Account number XXXX Status Closed Account name XXXX XXXX  XXXX XXXX Account number XXXX Status Closed Account name XXXX XXXX  XXXX XXXX Account number XXXX Status Closed Account name XXXX XXXX  XXXX XXXX Account numberXXXX Status Closed Account name XXXX XXXX  XXXX XXXX Account number XXXX Status Closed Account name XXXX XXXX  XXXX XXXX Account number XXXX Status Closed Account name XXXX XXXX  XXXX XXXX Account number XXXX Status Closed Account name XXXX XXXX XXXX Account number XXXX Status Closed Account name XXXX XXXX XXXX Account numberXXXX  Status Closed Account name XXXXXXXX XXXX Account number XXXX Status Closed 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A it also states a consumer reporting agency can not furnish an account without my written instruction 15 U.SC 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 items of information other than records of conviction of crimes which antedates the report by more then seven years.

15 U.S.C 1681s ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency person knows or has reasonable cause to believe that the information is inaccurate.
Product: Bank account or service

There were fraudulent charges made on my account that was n't me and I kept explaining to Bank of America I was n't responsible for these charges and I never write checks. Apparently someone wrote checks in my name that I was unaware about and they were charged to me anyways. I recently paid the account which they told me would come off and never did so they really lied to me about it just to get my money.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, I have contacted TransUnion four times, giving TransUnion an opportunity, to comply with the 'notice of identity theft ' and resolve this amicability without further legal action. Transunion 's failure to adhere to the FCRA has caused damage to my reputation, perceived credit worthiness and overall mode of living. TransUnion has responded to my notice ( s ) of identity theft, failing to address to properly address my dispute according to FCRA statutes, and then reinserting the inaccurate information on my consumer report. I have also included several legal affidavits, as well as the TransUnion ID theft affidavit requested from me by TransUnion in the attached packet. The attached documents have been sent to TransUnion via USPS certified mail XXXX XXXX XXXX XXXX XXXX XXXX XXXX  See the attached.
Product: Credit reporting

My college school loan changed loan servicers and I had to re-configure my loan payment for auto-payment. Since this takes however many days/weeks to process the auto-pay request I received a late payment notice that then lowered my credit score up to about XXXX points. It was my first late payment in my life and completely not my fault.
Product: Credit card

I am writing this request because I am requesting automatic deletion with the hard inquiries that are unauthorized and I did not those on my credit report. I have called the company because the credit bureau asked me to call them because they want to make sure its not attached to a different account, but the company said that they do not have multiple accounts, but the credit bureau says that it was pulled in attached from their bank, which is Santander, after asking questions they have end call in my face and I called and I get a different person. They said Santander Santander, and they dont run credit. They leave on my credit and they are updating information. The credit bureau agreed that they will delete the specific card inquiry off my credit if Santander could call them and, let them know that the accounts are not attached to them because basically what the credit bureau told me is that Santander is connected to all the inquiries that was made under my Account. As a young person who was trying to strive in life these credit bureau and credit cards company theyre holding me back from Achieving my goals. Also, I have another hard inquiry that is from XXXX XXXX and few other inquiries. I would love them to get removed from my credit immediately so I can start to get my house. I need somewhere to live.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Credit, Reporting Act ( FERA ) ( O cond eas Oble reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided 1:27evidence to turnistrs, accepting XXXX responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit XXXX. I am reque ing XXXX corrective action to remove or amend the disputed accounts, as Experian 's XXXX violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

recently reviewed my credit profile and notice inaccuracies and/or incomplete information and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, information that is inaccurate, or which can not be verified.

As I am POSITIVE you are aware as a injured consumer. UNJUSTLY MIND YOU, I am lawfully within my consumer and civil rights to as for any and all of the above and below DEMANDS UNDER the terms of the Fair Credit billing Act of 1975 ( FCBA ).

As the Official notice of my right composed DECLARATION of not proven Complaint main information that is either or all of the following. YOU MUST ANNUL BY REMOVAL of any DEROGATORY and or ADVERSE AND YET unproven claims be it an account or an aspect of that account PLEASE as you MUST, delete the foul mis-reporting and display any and all of my accounts as being PAID/PAYS as agreed, NEVER LATE AND AS NOTHING ELSE ; XXXX ACCOUNT : XXXX account is showing 30, 60 and 90 days late, also shows account is being reported as negative by credit reporting agency. 

NOTATION : PER CRSA enacted, CDIA Implemented laws, any and all reporting must be deleted if not proven CERTIFIABLY fully true, correct, complete, timely, of known ownership and responsibility but also fully Metro 2 complaint.

Provider claims Late Payment yet has not proven even the compliance of its reporting much less any aspect of determined truth of facts else wise required by obligatory regulations. As such, I demand evidence of Metro 2 compliant reporting, true and accurate and complete reporting of what is likely an allegation unfounded as it is DEFICIENT of adequate current status in fullness of, TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to demonstrated TRUE, CORRECT, COMPLETE, and COMPLIANT Metro 2 data field formatted reporting!

PLEASE ERADICATE any and all derogatory aspects of reporting and at a minimum rectify the derelict reporting with the adequate statement of PAID/PAYS AS AGREED, NEVER LATE. Unless you can document this not to be correct and determine factually and in entirety that every aspect of current reporting is lawfully compliant, you MUST satisfy my demands! 


Sincerely XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account : XXXX Public Record Bankruptcy, 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
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found several serious inaccuracies that have caused me considerable distress. The items in question are unverifiable, invalidated, and inaccurately reported, which directly contradicts the requirements of the Fair Credit Reporting Act ( FCRA ). 

Under FCRA Sections 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), all information on my credit report must be reported accurately. Unfortunately, your agency has failed to ensure that these accounts meet this standard. 

I have attached copies of all correspondence sent to your agency regarding these inaccuracies. I request that you promptly investigate these discrepancies and take necessary actions to correct my credit report in accordance with the FCRA guidelines. 

This situation has caused me significant emotional distress, and I trust that your agency will address this matter with urgency and diligence. 

Thank you for your prompt attention to this issue.
Product: Credit reporting

XXXX XXXX XXXX reported wrong information to XXXX. They reported XXXX wrong addresses, wrong criminal history, and they counted XXXX of our closed/paid off monthly financial details ( {$460.00} ) towards our current monthly payments.
Product: Credit card

I signed up for the promotional rate of 0 % on XXXX/XXXX/15 for 21 months and there was a 2 % charge at that time for the balance transfer. Chase is stating that I signed up for a 0.99 % rate for 7 months which I have never signed up for such a short term promotion in my life. I was not paying attention to the .99 % interest they were charging but when It jumped up to 10 % I noticed. I consider this a bait and switch.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the disputed accounts on my credit report. Despite multiple requests for thorough investigations into these inaccuracies, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. 

The negative effects of these inaccuracies have caused immense hardships for me, leaving me with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. 

With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to lift my credit freeze with XXXX, XXXX, and Experian, but I do not have a pin number, I was never sent one. I also can not get through to these three agencies and speak to a live human being about this. Please help me. 

XXXX XXXX XXXX. 

XXXX XXXX
Product: Credit card

Apple Card/Goldman Sachs is reporting my account to all credit bureaus that Ive missed multiple payments and that there are 30+ days/60+ days delinquent payments resulting in the account reporting with adverse information. Every payment that shows as delinquent was deferred so the account could remain current. Ive contacted Apple Card/Goldman Sachs and they stated that they are reporting the correct information when XXXX, XXXX, and XXXX state otherwise.
Product: Credit reporting or other personal consumer reports

I initially disputed these fraudulent items, providing comprehensive evidence that substantiates my claim that these items are not related to my financial history. Despite my efforts and the legal obligation for accurate and fair credit reporting, these items have not been corrected or removed from my credit report. 

I would like to emphasize that the Fair Credit Reporting Act ( FCRA ) mandates credit reporting agencies to conduct a reasonable investigation within 30 days of receiving a dispute. It is now well beyond this timeframe, and the presence of these fraudulent items continues to harm my credit standing. Furthermore, I have received no communication from your agency regarding the results of the investigation or any actions taken to resolve the matter. 

In light of the situation, I kindly request that you take the following actions : Conduct a thorough and timely investigation into the accuracy of these fraudulent items, adhering to the guidelines set forth by the FCRA. 

Provide a detailed response outlining the results of your investigation, including any actions taken to correct the inaccuracies and the expected timeline for resolution. 

Remove the fraudulent items from my credit report promptly, as required by law, if they are found to be inaccurately reported or unverifiable. 

Send me a written report of the results of your investigation, a copy of my updated credit report showing the removal of these fraudulent items, and a written explanation for any items that were not corrected or removed. I am asking for your assistance to remove the following fraud items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

Credit Card was charged for an amount that I could never afford for a vacation rental in XXXX, Colorado. I called the credit card company and they did take out the charge from my account and said they will investigate. I received a letter from the credit card company saying that the merchant still could place back the charge into my account. I have never been to Colorado and I am working in my state when my credit card was charged. I just hope to have an end to this matter. I am ready to close my account but because I would like to follow up with the result of the investigation not only for my benefit but also for the benefit of my fellow public consumers. Be vigilant on what is going on with your credit cards. I am thinking of just paying in cash right now. It is very scary especially that I am an elderly that could not follow things.
Product: Checking or savings account

Citi sent me two letters saying that I may of been enrolled without me consent in a Credit Protector and was charged a monthly fee. when I try to go to www.Citi.com/RefundInquiry the site jumps you all over  from tax refunds to other government refunds available. Citi has now sent me a FINAL NOTICE of filing for refund with the same web site and same results.
Product: Prepaid card

I received an Amex gift card as a gift. I tried using it several times, with different ways as the company accepts tips. With no luck I called the customer service line. I was transferred a couple times, spent a very long time on different holds. Upon answering the rep was very hard to understand, after requesting clarification and apologizing for not understanding her she became quite rude. I heard lots of chaos in the background including a woman yelling. I tried several times to explain that I understood the tip piece, but she was unable to give me any way to use the card except to tell me maybe I could run out for part of the sale and then I'd have money left on the card. With as difficult as this was to use, I wanted to use the entire thing at the time. I asked for a supervisor to get further help, I was put on hold again for a very long time and then they eventually disconnected the phone call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion
Product: Credit reporting or other personal consumer reports

Can XXXX furnish late payments and Soft and Hard Inquires on my credit report? 
Experian Credit Reporting Agency XXXX Credit Reporting Agency XXXX Credit Reporting Agency
Product: Checking or savings account

I have been participating in Denver 's Basic Income Project since XXXX of XXXX. This program is designed to provide financial assistance to homeless individuals and families. Denver Basic Income Project directly deposits a singular monthly payment into my Chime Checking account on or before the XXXX of each month. Every singe month prior to this month, XX/XX/XXXX, my payment from Denver Basic Income Project deposit appears under the name " XXXX ''. My DBIP payment arrives a few hours before I receive both en email and a text alerting me that my payment has been released by DBiP.

I've been a customer of Chime for years and 100 % acknowledge Chime customer care is a crapshoot- some times you receive actual assistance, but 95 % of the time you're just going to receive repeated responses with no assistance provided. When inquiring about direct deposits they shamelessly repeat, " You should contact your employer. Chime makes funds immediately available to you once they've been received from a source. ", and " I've looked at your account and don't see any firect deposits posted. No worries! Once they arrive the funds will be immediately available. '' I ask them to read my messages snd review my screenshots all to no avail. The chat with XXXX was from Today and he couldn't tell me what happened. 

I've been without food fo over 48 hours. I am starving. I've been anxiously awaiting this payment. I immediately detected trouble when I received the DBIP  payment notification prior to receiving any of the funds. Absolutely none of the Chime representatives will do anything beyond reading a script. This is the final straw for.me. Chime has been great at times, but I don't want to go hungry/starve while witnessing their indifference. I would not recommend Chime to anyone and will actively work to prevent friends and family from utilizing their services, or lack thereof. 

If you'd like to see the evidence for the rest of the years payments, I'll gladly send them in. Please let me mw know if you require any information from me.
Product: Credit card or prepaid card

I tried to use my card to submit a USPS change of address request for a charge of {$1.00}. I used Capital One for last move with no issues. This time, the charge is showing as declined and USPS told me to contact my financial institution. I did contact Capital One and I was told that everything matched fine. We re-entered the address again. Still failing. USPS continues to say it is declined on the card issuers end. Capital One continues to say there is nothing they can do. I was told to call back and speak with the transaction support department but your managers would not ever transfer the call, just said there was nothing they could do. I kept hearing " we can't do anything more. '' I tried my other Capital One card and it was also declined. I tried another NON-Capital One credit card, and it was approved the first try! I can not believe Capital One when they continue to say it's nothing to do with them, it's all the USPS, when I try a different credit card and it works fine on the first try. I want someone to review all the calls from the past 24 hours on my account and see this back and forth. It is clearly an issue with Capital One when both of your cards are declined and my other credit card approved immediately.
Product: Bank account or service

I walked into the Citibank branch on XXXX XXXX XXXX in XXXX to update the security level of my card before traveling. I was told that my type of credit card does not qualify for extra security protection with a Microchip on my card, like all other banking institutions. so, the associate offered me an " upgraded option to my current credit card, which DOES have that security, along with mileage rewards etc. 
I agreed to have the new upgrade with the additional benefits. After almost an hour at the bank waiting, the application for a NEW card was processed, and I was given a denial of the credit application for a NEW credit card, which I never asked for, nor wanted. Now this report will have a negative impact on my credit report and score.
Product: Credit reporting or other personal consumer reports

I am lodging this complaint on my own behalf. Upon scrutinizing my credit record, I found instances of late payments. Despite sending letters over 30 days ago, I have yet to receive a response, and satisfactory validation has not been provided. I respectfully seek your assistance in addressing this issue.
Product: Bank account or service

Today, XX/XX/XXXX, the bank seized my entire account, due to a debt my wife owed some 18 years ago. One she has no idea about. She has sent letters to the Superior Court of NJ and to the law offices asking for clarity. I never received a seizure notice, and find it unfair that the only monies in my account are those that I have earned under my name, not my wife, who has been ill since XX/XX/XXXX ; and ill most of her life, and would have never been able to open up a credit card, because she has never worked a full time job in her life. I have proof that all of the monies in my account are checks for me, and only me. My wife 's name is XXXX XXXX, and my name is XXXX XXXX. We are already facing hardship, and this will make it worse, as I will not be able to go to work or feed my family and ill wife.