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

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear REGIONALAC, I am writing to address a clear violation regarding the unauthorized reporting of information to my credit report, as outlined by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as XXXX consumer protection and identity theft laws. 

It has come to my attention that REGIONALAC has engaged in unauthorized reporting of my personal information to credit agencies without obtaining my explicit consent. Under federal law, specifically Section 1681b ( a ) ( 2 ) of the FCRA, consumer consent is a legal requirement for the reporting of such information. 

In addition to federal law, XXXX law under the Revised Statutes of XXXX XXXX XXXX ), Section XXXX, defines identity theft and fraud as the unauthorized use of someones personal information, including in relation to credit reporting, and provides for penalties in cases where unauthorized actions result in harm to the individuals creditworthiness. Missouri statutes also support the fair and accurate reporting of credit information and offer legal recourse for consumers affected by fraudulent or unauthorized activities. 

I affirm that I have not given REGIONALAC any consent to report information to my credit report. This unauthorized action constitutes a violation of my rights under both federal and Missouri state laws and has the potential to damage my creditworthiness. 

I demand that REGIONALAC immediately ceases all reporting of information to my credit report without my explicit consent, in accordance with Section 1681b ( a ) ( XXXX ) of the FCRA and XXXX identity theft and consumer protection laws. Failure to comply within the specified XXXX period will be considered willful noncompliance, which is subject to penalties under both federal and state laws, including XXXX identity theft statutes. 

This is a formal demand for compliance with both federal and Missouri laws protecting consumers like myself from unauthorized and harmful credit reporting. I expect REGIONALAC to take immediate corrective action to rectify these violations. 

Done in good faith.
Product: Credit card or prepaid card

My business was closed due to a ceiling collapse and I was unemployed for over half a year. During this time I struggled really bad in order to make my payments and didnt miss a single payment. Due to relying on my credit cards to help make ends meet, my balances became very high. I asked Chase bank if they could help me recover from this financial hardship and they continually say that account APRs are reviewed periodically. During this hardship, they increased my credit line; and have been reaping the benefits of exploiting my situation. I am paying over {$200.00} a month in INTEREST and am never going to make progress on lowering my balance if they are unwilling to assist me. When speaking with customer service, they refuse to connect me with anyone pertaining to my hardship or even to set up a payment plan with a temporary rate. Ive expressed that their actions are predatory and that I feel exploited. I would hate to assume that this pertains to race or anything of that nature, but I was taken aback by the complete and utter disregard for a loyal customer who CONTINUALLY makes timely payments for years. I have a perfect payment history on my credit profile and have also had a bank account with Chase for over 10 years.

Seeing as I bank with Chase, they knew EXACTLY what they were doing by increasing my credit line during my hardship and their unwillingness to assist makes me feel like I am just another victim of a big time bank and that Chase will not be held accountable for predatory actions/intent. Chase is experiencing record setting success at this time and it is clear why.
Product: Credit card

XX/XX/2023 I contacted Chase Bank re : my Chase Slate card. I advised Chase that I was going to do a balance transfer, then close the account. I was given the payoff balance. I had NO pending charges. On XX/XX/2023, a balance of {$3600.00} was transferred From my Chase Slate card, to the XXXX credit card. I then went online to confirm that the card was closed. XXXX of this year, I began receiving phone calls from Chase Bank re : a charge. I advised the phone representative that I have not had a Chase credit card since I closed it in XX/XX/2023. The representative did some checking, APOLOGIZED and said that she will make sure it's closed and that there should have been No ongoing charges since XX/XX/2023. XX/XX/2023, Chase reported my account 185 days past due, with a card closure date of XX/XX/2023. My credit score has tanked.
Product: Credit reporting

I have received a decision by Experian that they had verified that the account is mine. 
I find it interesting because I had disputed with XXXX XXXX XXXX on the CFPB interface and they had confessed that they do not have or could not provide the original instrument of indebtedness in its original form or in any form for that matter. 
It further proves that Experian has not done its proper due diligence in verifying the accuracy of the information that they place on the credit report. 

It is sad that there are multiple people in the world who experience id theft and instead of going after the real culprit, they go after the victim and try to force the obligation on the victim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed LVNV XXXX XXXX account they have the police report and identity theft report and has not removed. This debt from my credit report they even sent me an identity theft report I filled it out and faxed back to them
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent evidence that a collection was closed or sold and requested a method of investigation for the original request sent out on XX/XX/2019. On XX/XX/19 Experian sent me a letter that there investigation was complete and the items I requested to be investigated was not removed or no method of there investigation or proof was attached. Please see attachments to this complaint including USPS tracking numbers and there letter they sent to me today. Experian is clearly in FCRA violation and performing deceptive business practice.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the Zelle platform.despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering the lost funds was impossible and that tracking these transactions was infeasible. The cfpb finding indicated that Zelle has not only neglected to protect consumers but also allowed repeated to exploit the system and leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted an application though XXXX XXXX and was advised that inquiry would be a soft inquiry ; however after reviewing my XXXX credit report the inquiry appears as hard inquiry in which I didn't authorize on XX/XX/2022
Product: Credit reporting or other personal consumer reports

I enrolled in a payment program offered by XXXX XXXX to bring my XXXX  XXXX  current after a period of economic hardship. XXXX XXXX informed me that they would be scheduling a total of three payments to be deducted from my bank account over three months to bring the account up to date. Unbeknownst to me, XXXX XXXX scheduled the first and third payments, but they did not schedule the second payment. 

After accepting the payment plan, I received a confirmation email that stated I wouldn't have to take any further action and that the amounts would be paid automatically. At the end of the second month, I noticed that my account was suddenly charged off. When I contacted customer support, the agent informed me that he was able to see a record that indicated the first and third payments had been scheduled ; however, there was no record of anyone on XXXX XXXX 's end having scheduled the second payment. 

The agent filed a dispute over the phone on my behalf. I never heard back from XXXX XXXX. The charge-off remained on my account. I tried to call XXXX XXXX several times for updates ; however, the agents all gave different excuses for not being able to help me ( i.e. the supervisors are all in a meeting ; the systems are down, and no one will be able to see my account ; everyone had left for the day, etc ). 

I disputed the charge-off through one of the credit bureaus. XXXX XXXX responded by saying they'd resolved the issue and that the charge-off was correct.
Product: Debt collection

On XX/XX/2019, my vehicle was repossessed and later sold despite many attempts to contact the company to resolve the account billing discrepancies historically existing on account. Subsequently, the company reported this erroneous, inaccurate account billing discrepancies to all credit reporting agencies. Please be advised, Complaint ID : XXXX, submitted on XX/XX/2019 which was regrettably closed on or about XX/XX/2019. Moreover, I am submitting this complaint with additional documentation to redress this original complaint with the same theme restating inaccurate account discrepancies with the payment history of payments submitted to on account. 

Upon the payment proofs submitted, please find that with the advanced payments on account, this account standing existed with approximately 17-months of advanced payments. With these advanced payments this fact this account was never late with payments on account. Additionally, the proofs of payments submitted by receipt leaves no doubt as to the findings of inaccurate account billing discrepancies claimed in this original complaint filed under Complaint ID : XXXX, dated XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX, DEPT OF EDUCATION/XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Company Inquiries : 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: Mortgage

I have been a loyal and on time paying customer to Freedom Mortgage for 9 years paying above and beyond my monthly payments and am set to pay off my loan 5 years early. 

XX/XX/XXXX Request to have PMI removed - Response by company Denied on XX/XX/XXXX Denial Due to FHA Guidelines. 
XXXX I was told I would need to pay for a refinance into a conventional loan. 
XX/XX/XXXX - Denial saying that under FHA Guidelines my loan must have been created between XX/XX/XXXX and FHA case number had to be assigned before XX/XX/XXXX XXXX order to be eligible for an early cancellation. My PMI is no set to cancel till XXXX/XXXX
Product: Credit reporting or other personal consumer reports

I'm currently experiencing a dispute directly with the credit bureau regarding inaccurate information reported by Discover. Despite my efforts, their response has been that the account has been verified. However, I find it perplexing that the information provided by Discover differs across all three credit bureaus. Discrepancies include details such as the date opened, high credit, credit limit, last report, comments, date last active, date of last payment, payment history, and more.

Furthermore, while they are reporting a late payment, it's important to note that according to regulations, a creditor may not consider a payment on a credit card account as late for any purpose unless reasonable procedures have been established to ensure that each periodic statement, including the required information, is mailed or delivered to the consumer at least XXXX  days before the payment due date. 

I've requested Discover to update the late payment status to reflect that it was paid on time, but unfortunately, they are disregarding my request.
Product: Debt collection

Company says I owe over {$400.00} from an XXXX XXXX XXXX account. However, I had tried to return equipment in the past. Credit agency can not guarantee that if I return equipment the fees will be reversed. In addition they have been calling multiple times a day anywhere between 3 to 7 times a day. I do not answer anymore because there is dead space on the other line for approximately 2 minutes and then they hang up after I identify myself. After receiving my call I generally get a notification that my credit report has been updated with a response that Sunrise Credit Service has added a derogatory mark on my report. Currently they are adding marks every week.
Product: Checking or savings account

I opened a new account with Citizens Bank in XX/XX/XXXX to take advantage of a " new account bonus '' being offered. The terms of the promotion only required that I make at least XXXX direct deposit within 60 days of {$500.00} or more ( this was done on XX/XX/XXXX ) and keep my account in good standing at time of payout. The bonus was to be paid out by XX/XX/XXXX. 

Anticipating the bonus, I logged into my account on XX/XX/XXXX to find that an automatic transaction on XX/XX/XXXX had brought my account negative - {$4.00}. Usually, I receive an email alert if my account is overdrawn, allowing me to take advantage of their " peace of mind '' feature to avoid overdraft fees ( I've attached a sample of one such email to this message ). In this case, I did not receive any notices and had no way of knowing my account was negative until I logged into my account on XX/XX/XXXX. 

Naturally, this was on a Saturday and on a holiday weekend, and on top of that there are no Citizens Bank branches in my state. My ONLY recourse to bring my account to a positive balance, was to utilize XXXX XXXX to make an instant deposit to my debit card. I transferred {$6.00} which brought my account up to {$2.00}. I verified that my account balance was positive, and even purchased a small snack for {$1.00} since I had the funds available. 

When no bonuses were applied to my account, I contact Citizens bank when they reopened on XX/XX/XXXX and spoke with a " XXXX '' in the department that handles promotions. He told me that the INSTANT deposit I made on XX/XX/XXXX was showing a date of XX/XX/XXXX, and therefore my account was ineligible for the promotion. This is absolutely false, as I used EVERY reasonable tool at my disposal, after hours on a holiday weekend, to make this deposit. As it was tied to my debit card, I know for a fact they can view the actual transaction date and time in real-time. But because their system is designed to ( apparently ) only post debit card credits on business days, they are telling me I did not make the deposit in time. When was I supposed to make it?? WHERE was I supposed to make it??? 

This is beyond reasonable and I believe Citizens Bank should be held responsible for their faulty system. An instant deposit is just that - INSTANT. It makes absolutely no sense for my deposit of {$6.00} to take three full days to " post '' to my account. In fact, I've used this very method multiple times to make deposits in time to avoid overdraft fees as part of their " peace of mind '' feature. 

Citizens Bank is defrauding its customers by luring them into opening accounts as part of a promotion, only to use absolutely ridiculous reasoning for denying the promotional payout. Citizens Bank should have been able to see that I did EVERYTHING in my power to bring my account to a positive balance, when all of their offices were closed for the holiday weekend. To still assert that my account was in a " bad '' standing is simply false.
Product: Checking or savings account

On XX/XX/XXXX I attempted to purchase an airline ticket on XXXX with my ATM card issued by CITIBANK. The XXXX web site did not confirm the booking nor did I receive a confirmation via email of any ticket purchase, yet CITIBANK immediately deducted {$550.00} for the ticket purchase. I called CITIBANK on XX/XX/XXXX and told them about the issue. They told me that they had initiated a dispute on the charge. I contacted XXXX who told me that their site was not functioning, and that they would not process the charge since no ticket was ever issued. I called CITIBANK again on Friday, XX/XX/2019 and Citibank told me that they would not commence an investigation on the matter until the merchant would collect on the money or after three business days from the first posting of the transaction. I asked why they would not call the Merchant and release the transaction, and they told me that they do not do it until the merchant collects or after three days. That means that for three days CITIBANK has illegally used {$550.00} from my account, and collected interest on it. They further misled me into believing they would inquire into the transaction while they had a practice of not doing anything about it. This is a deceptive practice for the sole purpose of using account holders money without paying interest on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX   XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my 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, XXXX XXXX XXXX. 
Company Inquiries 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 reporting, credit repair services, or other personal consumer reports

I contacted XXXX because I was turned down for an apartment because my credit report had conflicting information concerning my age on XX/XX/XXXX. I requested that my age be updated. I was born in XXXX  however my age is listed on the report as XXXX  yrs old. I received a decision in the mail on XX/XX/2019 stating that the investigation was updated to show my year of birth as XXXX and my age was XXXX. Called on XX/XX/2019, explained the situation, the representative apologized and stated that my age will no longer show on my report only my date of birth of XXXX.Received another letter stating that investigation was complete and my age is XXXX years old onXX/XX/2019Called again the explain the situation, this tie asked to speak to a supervisor and was told that ‘‘tis issue would be updated. Today is XXXX XXXX and I am not confident that this issue has been resolved, mean while the apartment complex is waiting for the updated information as they could not identify me based on conflicting ages/ year Born on my credit report and the apartment complex stated that they never seen anything like this before and that that was the only thing stopping me from getting the apartment.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5000.00}, {$13000.00}, {$1900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen me and my family of XXXX will be facing homelessness due to identity theft please remove these fraudulent account i am the head of household my family depends on me and i really need this matter taken seriously i reached out to the debtors directly and not given any response to this matter IDENTITY THEFT REPORT ATTACHED I HAVE XXXX IDENTITY THEFT REPORTS ATTACHED SO MUCH STUFF COULDNT FIT ON ONE REPORT. Companies listed below are reporting accounts obtained thru XXXX XXXXXXXX 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
Product: Credit reporting or other personal consumer reports

I received the letter with my dispute results from Experian, XXXX, and XXXX and I need to know WHY these accounts are still remaining and they are claiming they have been verified. Thats impossible because these creditors are denying any record of a dispute from their company! I am maintaining a careful record of my communications with your Agency for the purpose of filing a complaint with your agency.