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

Since XXXX and post-divorce I have worked very hard to improve my credit and have accessed services through Lexington Law. I have financed XXXX vehicles since then. I paid off the loan amount in the entirety from the first vehicle XX/XX/XXXX. I made a down payment and received a loan for a car purchase with and interest rate of 6.54 %. 

However, my credit still does not permit me to have a credit card and I am not fully understanding why this is not occurring when my car loan amount is much lower and my annual income has increased since XXXX. Please advise what the issue is. I have reported several incidents of fraud and placed freezes on my credit since XXXX. How come I have a lower APR but do not qualify for credit in other places.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX  Account # XXXX XXXX XXXX account number # 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 al open end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

Repeatedly, I only elected on my XXXX for XXXX for XXXX from XXXX, but Bank of America for years now continues to operate with organized gang stalking to overcharge me monthly for that which I have never elected, {$2.00} of storage that I do not even use. 

Bank of America operates fraudulently and I have been bullied into paying this for too long and again as of XX/XX/24 it sits incorrectly charged to me as they operate with the XXXX XXXX XXXX XXXX and operatives in XXXX XXXX XXXX in XXXX XXXX New York from unit XXXX. 

Look this up as trades in manual are used to attack and sabotage innocent targeted people. I am an innocent academic who is being killed in a most unique way and harmed using not only Bank of America but XXXX as well and I hold an XXXX fico score because I have always paid my bills, but enough is enough. 

Look up the XXXX XXXX XXXX  of XXXX Massachusetts XXXX author XXXX XXXX XXXX from the XXXX on XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And so much more is written about this faction being exacted on innocent Americans. 

An electronic concentration camp for a slow XXXX XXXX.
Product: Credit reporting or other personal consumer reports

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT In accordance with the Fair Credit Reporting act. The account below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX Creditor Contact XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX has violated my rights. 15 U.S.C 1681 section 602A. 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 instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report my more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account XXXX : XXXX XXXX Account Number : XXXX
Product: Credit card

In XX/XX/XXXX, a scammer tried to illegally access my XXXX XXXX, and then my CHASE Bank credit card accounts from " offshore. '' XXXX XXXX noticed and then closed my accounts, and sent me copies of my financial archives. I notified CHASE and they closed my checking and credit card Visa accounts also ; and denied any login. I called the online banking ( or was directed to their Fraud department ) to request copies of my archives. I was told to send a paper letter to their Delaware office, which I did, and it was postmarked XX/XX/XXXX. I have not gotten any response whatsoever, and never got any copies or zip file of my financial archives. 
I need the entirety of both archives ( which are not lengthy bc they only go back to XX/XX/XXXX ). The reason I need my archives is because my XXXX, XXXX storage room was burglarized  by a professional burglar in XX/XX/XXXX ( police, insurance and storage facility immediately notified ). I really need PROOF OF PURCHASE TO file my INSURANCE CLAIMS, and I am time limited to complete those claims. I had much in the storage room that was on my bank statements, and those are not supplied by CHASE Bank. The letter includes all account numbers and also the address that I was told to send it to. 

*** Please note that my Complaint is about TWO related accounts at CHASE, and this Complaint form only let me click on one part. My question is whether I will need to call your support line to create a new Complaint ( part XXXX ) to file a complaint regarding getting the Checking account information. In the letter, I have stated the full account and routing number of the checking account that Chase is withholding information archives from me. 

[ Additionally, I have much information on the scammer who tried to access my accounts, and can provide information on him to the appropriate party, either this agency or the FBI. I believe that he scams many other women also, as we contacted on an online dating site. 
But at this time, I am trying to get copies of ALL my PURCHASES and statements. FYI, a law office, XXXX  XXXX XXXX, is working on other aspects of my closed accounts with CHASE, XXXX XXXX XXXX XXXXXXXX XXXX  for ( I don't know correct legal term ) abuse of customer rights. Chase keeps reporting late payments, and simultaneously refuses to send my contract to XXXX XXXX XXXX that has an office in California. There are big issues with XXXXXXXX XXXX XXXX XXXX XXXX. XXXX fraudulently posted to credit bureaus that I didn't pay my bills, although I was current with and even paid more than the minimum. All this has ruined ( for the next few months ) my credit rating, and I am unable to get new credit cards until then. I've not been able to get a job, and I am now below poverty level, although I have a useful XXXX degree and years of experience. ]
Product: Credit reporting, credit repair services, or other personal consumer reports

Spoke with a XXXX representative by phone to update inaccurate personal information and dispute unauthorized inquiries on a my credit report. I was told that the inaccurate information would be removed, to include name, addresses, telephone numbers and employment information. During the same telephone call, I inquired about what needed to be done to remove unauthorized inquiries as a FRAUD ALERT should have been on my files AND I never received a call from anyone inquiring about an offer to extend credit.. While there was no clear answer to the question, the rep took all the information in regards to the accounts that were unauthorized so I was under the impression that ALLof the requested information was being updated during the call. I was told that I could call back after 24 hours with the provided confirmation number and check the status. I called back after 48 hours and kept receiving an error message. Several days later I received mail that appeared to be the result of XXXX verifying that all of the requested information was valid. I later even received an alert notifying me that the incorrect employer that I requested to be removed WAS added to another credit reporting agencies report. How was XXXX able to verify that the information was valid in 2-3 days? If there was ( like I was told there was ) a fraud alert on my account, how were the inquiries able to be made? I feel like this inaccurate information is affecting my ability to obtain free credit reports as well as obtaining credit in general. I am requesting this to be rectified immediately as I would like to be a creditworthy individual.
Product: Checking or savings account

Received {$1500.00} for an XXXX XXXX. I told them that I had not. They asked if I was up in the XXXX United States and made the computer purchase. I told them that I had not. Then they transferred me to what was supposed to be MidFirst Bank to XXXX XXXX at XXXX. After he asked some questions that I was uncomfortable answering told him that I needed to call him back. I called my local MidFirst Bank and asked about the {$1500.00} purchase via XXXX. My bank told me that no purchase had been made at this time for this amount and/or via XXXX. While I was on the phone XXXX XXXX called me several times and did not answer as I was on the phone. After talking to my bank, I called XXXX and XXXX XXXX answered. I told him that what he was claiming about the XXXX purchase was a fraud. 

I am concerned about avoiding any charges, etc. 

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

Upon reviewing my credit report with all XXXX XXXX and Equifax on XX/XX/year>. I identified the following issue my wells fargo acct with reaging my account. acct was past due 30 in XXXX, 60 in XXXX and 90 XXXX. then show 's current on XXXX & XXXX which i never paid in XXXX or XXXX, then started over again XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, apr XXXX and XXXX XXXX when this account has not been paid since XXXX of XXXX. I would appreciate any help with resolving this matter. as i thought reaging was not legal to do.
Product: Debt collection

I received a phone call from Portfolio Recovery on a XX/XX/2019 Sunday at XXXX XXXX. From my understanding they are not permitted to call on a Sunday past XXXX XXXX my local time.
Product: Checking or savings account

The manner in which Bank of the west and XXXX failed to manage my checking account is without excuse. An absolute, careless, reckless, performance from a group of people whom have all together become worthless. 

They dont even know how to provide a simple debit/credit statement as you will see in their transcript. A grocery store can do a better job on the purchase receipt and these people manipulate their books with unnecessary verbiage. 

First, Bank of the West ask me to close my account and open a new one, and then after I closed the account, they refused to open a new account. 

Now that my account is closed with Bank of the West, I can not access my online account. 
Bank of the West sent me a check with my closing balance and then I received a collection letter from a company that I have never heard of. They claim to be a Bank of the West third-party vendor, unfortunately for them, I have no knowledge of their relationship. 

As you will read in our email correspondence, there is no excuse for their blatant disregard for each other and their business relationship. They both have a responsibility to honor their contractual agreement and now they want to place the blame and responsibility on me. 

If they can not manage their own relationship that does not make it my responsibility to manage it for them. Im certain that they have a written resolution and neither of them wants to flip the bill for each others errors. 

Therefor XXXX has decided to send me to collection, and I do not even know whom they are.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX [ XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX XXXX, LA, XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/XXXX ] Experian Dispute Department po box XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Information on Credit Report Dear Experian, Dispute Team, I am writing to formally dispute inaccuracies contained in my credit report issued by your agency. 
Despite previous disputes filed on my part, the errors remain unresolved, which violates your obligations under the Fair Credit Reporting Act ( FCRA ). 
The ongoing presence of inaccurate and misleading information has caused significant harm to my financial standing and credibility. These issues mirror the concerns raised in the CFPBs recent lawsuit against Experian, alleging inadequate dispute resolution practices and violations of consumer rights. 
Specifically, I am disputing the following items : [ XXXX / XXXX XXXX XXXX ] XXXX. [ XXXX ] Issue : [ I have sent numerous letters and called about these unauthorized inquiries still on my profile said they will be removed but never removed and it been pass 60days now ] 2. [ XXXX XXXX XXXX ] Issue : [ I have sent numerous letters and called about these unauthorized inquiries still on my profile said they will be removed but never removed and it been pass 60days now ] 3. XXXX  [ last for digits XXXX ] Issue : [ I have sent numerous letters and called about these unauthorized inquiries still on my profile said they will be removed but never removed and it been pass 60days now ] These inaccuracies have persisted despite my prior eorts to address them. I have attached supporting documentation to substantiate my claim, including : Copies of prior dispute submissions and responses from Experian Bank statements, payment records, or correspondence with creditors A copy of my credit report with the errors highlighted I request that you : 1. Reinvestigate these items promptly, as mandated by the FCRA.

2. Correct or remove the inaccurate information.

3. Provide me with a written response outlining the outcome of your investigation and a revised credit report reflecting accurate data. 
Failure to properly address these inaccuracies could leave me no choice but to pursue further action. Consumers have a right to fair and accurate credit reporting, and I expect Experian to fulfill its legal obligations in this matter. 
Please acknowledge receipt of this dispute within five business days and ensure your investigation is completed within the 30-day timeframe outlined by law. 
Thank you for your prompt attention to this matter. I look forward to your resolution. 
Sincerely, [ XXXX XXXX ]
Product: Debt collection

I have previous sent a complaint regarding ECMCXXXX XXXX and now including XXXX XXXX XXXX XXXX contact at XXXX. I filed originally with CFPB last fall because XXXX XXXX XXXX illegally sent my loans to collections while I was XXXX stating " They had sent me notice that my economic hardship had been denied. '' I asked to which address they sent that information ( Knowing very well I was homeless and had no address ) they said they could n't give me this information. So ECMC is still continuing to contact me. I had told them to stop contacting me previously while i was contesting the loan being sent to collections. They have not stopped calling they call daily. XXXX XXXX XXXX called me at my work on behalf of XXXX. I HAVE NEVER OFFERED OR GIVEN THIS NUMER TO ANYONE NOR HAVE I EVER GRANTED PERMISSION TO CONTACT ME AT THIS NUMBER!!! I can not believe this is happening! I have {$55000.00} in student loans in good standing and XXXX XXXX and their blood hounds are harassing me for {$2000.00}. I should have been included in the class action law suite against XXXX XXXX and XXXX that happened at the beginning of the year. Reading the description of what happened in the suite I qualify to have my loans removed.
Product: Checking or savings account

On XX/XX/XXXX, Chime Financial , Inc placed a suspension on my account. They stated the reason for the suspension was to verify the source of funds. The deposit was from my XXXX Income tax. All documents that Chime Financial , Inc requested were provided on multiple occasions. After a couple of weeks of calling and sending the same documents every day, Chime Financial , Inc closed my account stating they could not verify, and no refund can be given. I am placing this complaint because I sent everything that was requested for verification with no resolution, resulting in me being months behind on my bills because I have lost the rights to my own money. 



Date Suspension was placed : XX/XX/XXXX. 

Amount of loss due to closure : ( Approximately ) {$11000.00}
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus ( XX/XX/2023 ), but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
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

After several attempts to get an inaccurate report of a Chapter XXXX Bankruptcy removed from my credit file, in XXXX, I finally provided the correct proof and the only third party agency that was reporting the Bankruptcy was XXXX XXXX and they removed it. I submitted that information to all three credit reporting agencies one of which was TransUnion. I submitted the letter from XXXX XXXX showing that it had been removed, I submitted the letter from the actual Bankruptcy court stating they do not report public information to any credit reporting agencies and TransUnion still provides information only stating that their information has been verified as accurate when I have asked them multiple times to provide me the name of the agency to which they received their verification from. If they were to provide that then I can contact them to have my report corrected and the Chapter XXXX Bankruptcy removed. 
I have provided the letters written to TransUnion asking for validity, the letter from the Bankruptcy court and the letter from XXXX XXXX showing their removal of the inaccuracies as well as XXXX response yet again after I provided them all of this information and they have not removed the inaccuracies nor provided information as to how they verified and with whom. 
Please check dates of all correspondence.
Product: Credit reporting, credit repair services, or other personal consumer reports

So Ive contacted both of these fraudulent companies regarding fraudulent accounts opened in my name, under my information, on my credit reports, and as such took it upon myself to give them the chance to rectify the situation. First only the XXXX  XXXX XXXX XXXX XXXX XXXX XXXX was showing on my credit reports, to which I contacted them via the XXXX  for them to remove because I never opened it myself. After doing so, a few weeks later, some collection account, representing this company name LTD Acquisitions LLC added their trade line to my credit reports as well. And stated that it was opened 7 months ago, but they JUST now put it on my credit? Doesnt make sense. Either way, XXXX XXXX XXXX XXXX XXXX XXXXXXXX sent a letter to me detailing, that the account was opened in XXXX  and that they found no signs of fraud..And that if I still claim to not have opened it I can send them a copy of my SSN card, my drivers license, and proof of address in XXXX of 2019 ( because that when the fraudulent card account was opened. I will not be sending them my SSN and license.if Im reporting fraud with you all, why in the world would I send copies of that information to you all? It serves no purpose. But I will provide proof of employment AND residency to them in the form of my pay stub to which I was WORKING AND LIVING IN XXXX XXXX XXXX  TO BE EXACT. in the month the account was supposedly openedthat is proof enough I didnt open it, I wasnt even living in XXXX  during the time frame. I had never heard of this company or the collection company they assigned this account to, but either way I am not liable nor financially responsible for said account, So BOTH TRADE LINES ( XXXX XXXX XXXX XXXX and LTD needs to be IMMEDIATELY AND PERMANENTLY REMOVED FROM MY CREDIT REPORTS ( XXXX, XXXX, XXXX ) or formal litigation will commence, and you and your entities will be sued to the fullest extent of the law allotted. Ive already provided these documents but will do it on here as well. ( Identity Theft Affidavit, Paystub, etc. )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I paid my off my {$16000.00} student loan from the University XXXX XXXX XXXX, serviced by XXXX XXXX, in full, days before the grace period ended. 

On XX/XX/XXXX, I looked at my Transunion credit report and saw that it was still being reported as open according to Transunion. The same day I filed a dispute online, through Transunion.com, requesting to review the loan, as it had been closed, paid in full, on a positive note. Transunion said they would send me a letter detailing the result of the dispute. The dispute did not show up anywhere online. 

Around three weeks later, Transunion updated my account by deleting the disputed item, permanently removing it from my account, instead of updating the open account to a closed, paid in full, on a positive note, one. Around this time a received a letter detailing the details and resolution of the dispute, as well as how to contact them if it was incorrect, including their customer service line. 

On XX/XX/XXXX, I called the Transunion customer service line, ( XXXX ) XXXX, requesting the item to be restored on my report and reporting it accurately. They said this was impossible as the account was already deleted, and that I had to call the servicer and ask them to report it again and submit it to Transunion. 

On XX/XX/XXXX, I called the XXXX XXXX customer service line, XXXX XXXX XXXX XXXX XXXX, and requested that they report my loan status again to Transunion. They said they couldn't report any information to Transunion unless Transunion requested it directly. The XXXX XXXX customer service representative recommended filing another dispute with Transunion in order to prompt an information request from Transunion to XXXX XXXX. In addition, the XXXX XXXX customer service representative also said that they had reported to Transunion that the account had been closed, paid in full, and on a positive note, in XXXX of XXXX. 

Later in XX/XX/XXXX, I called the Transunion customer service line, ( XXXX ) XXXX, again, to ask that they request information from XXXX XXXX in order to restore the closed account accurately, or to file another dispute to prompt Transunion to do so. the Transunion customer service representative told me that they would not be able to do this, nor would it work and that I had to contact the loan servicer and ask them to report the information to Transunion. 

Disappointed, I asked the Transunion customer service representative that if there was a way I could complain about Transunion 's service, to which they referred me to a XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA, XXXX ) and the CFPB. As only having a the possibility of complaining through a XXXX XXXX is disappointing and predatory, and Transunion has demonstrated it's incapability in resolving this issue, I preferred taking my complaint to the CFPB, which is why I am submitting this complaint, in order to understand who is in the wrong ( Transunion XXXX XXXX XXXX ) and to resolve this issue.
Product: Credit reporting or other personal consumer reports

Please remove the following fraudulent inquiries as it is affecting me and my family.