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

this account with XXXX XXXX XXXXE account number XXXX Date Opened XXXX/XXXX/2013 was never Past due 30 days six times or more late at any point please help e resolve this issue
Product: Credit reporting

I discovered XXXX XXXX under account numbers XXXX re-aged and re-inserted into my credit file. The accounts were originally DELETED on XX/XX/XXXX and XX/XX/2017. Transunion was required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification.
Product: Checking or savings account

On XX/XX/year>2024 Wednesday I was sleeping due to the fact I am an XXXX working XXXX. While sleeping, my Chime account was hacked in areas nowhere near XXXX Mississippi and they used an ATM card with an unrecognizable number to withdraw over {$3200.00}. When I woke at XXXX I checked my account and noticed XXXX withdrawals from my account on the day I got paid which was XXXX XXXX, 2024. I called Chime and spoke with someone who would not give me their name or any type of identifying information for further use. After I was hung up on 4 times on that same day calling back, I felt like I needed more information regarding the transactions. I was told nothing can be done due to the fact the transactions are pending and the fact that I did not answer my phone at the time of the withdrawal and tell them it was not me. The next morning of XXXX XXXX2024 I called back after determining the ATM withdrawal amounts were XXXX back to back withdrawals in XXXX Florida. I also had a {$500.00} loan they call it my pay that someone withdrew and THEN five minutes later took that {$500.00} from an ATM. I could get NO answers, everyone spoke a foreign language and talked in circles around the situation. I finally got someone with sense and cancelled my cards and wrote up claims for each individual withdrawal that was made clearly NOT by me. XXXX of my claims have already been denied in an amount over {$1500.00} due to their investigation. In which no material was provided to me of/how/who they investigated. I have sent my work schedule, a police report, screenshots of all the change of pins and passwords in my email back to back. There was a HUGE security breach in which it sounds internal that no one will speak to me about and give me information.
Product: Credit card

I was scammed. I took a {$2500.00} cash advance on my Discover card. I was skeptical but I sent the money to the scammers. They then payed off the {$2500.00} on my Discover card & told me to get another {$2500.00} cash advance. I called Discover to see if they could put a hold on any cash advance untill the scammers payment cleared the bank. They said there was no way to do that, I would just have to check back to see if it cleared yet. The next day, the scammers said they talked to Discover & got it cleared. I called Discover and they said yes, the payment had cleared. Discover had lied, the payment had not yet cleared. The scammers put a stop payment on it later. Because Discover lied about the payment being free & clear I believed the scammers were telling the truth. I took out another {$2500.00} cash advance because the first advance was payed off free and clear and could not possibly come back to me. I sent the scammers the {$2500.00}. They paid it off once more and my balance dropped to {$0.00} again. The first {$2500.00} had been paid and Discover said it was free & clear ( this was a lie ) so I believed these people and got another {$2500.00} cash advance. So I should have ended up with a {$2500.00} balance plus {$120.00} cash advance fee for a total of {$2600.00}, which I had the next day. One day later my balance was {$5200.00}. the next day my balance was {$7800.00}. I called Discover and said because they lied to me about the payment being cleared when it had not yet cleared that I was only liable for {$2600.00}. They insisted I owe them {$7800.00} because there was stop payments made on the payments. I said if stop payments were made then you lied to me about the payment being free and clear and that makes Discover card responsible for the {$5200.00} not me. They disagree.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reported malicious info to CRA. An account from XX/XX/XXXX ( according yo XXXX employee ) was reported as a XX/XX/XXXX delinquency, I'm not aware of this supposedly delinquency, as I did not receive any validation, I was only aware when I opened my credit report, I believe this an stale debt with a statue of limitation
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, Date of Birth- XX/XX/XXXX, SSN # : XXXX, my current address is XXXX XXXX XXXX XXXX XXXX , OH, XXXX. Please remove addresses that doesn't belong to me : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX. My current phone number : XXXX. Please remove phone number that doesnt belong to me : XXXX.This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. Please delete/remove the following unverified accounts : XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX  XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX   # XXXX, XXXX XXXX XXXX # XXXX etc, 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 am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account XXXX XXXX XXXX XXXX  Please remove this bankruptcy from my public record
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted a dispute letter to all three credit reporting agencies and the letter was served on Equifax on XX/XX/2022, and Equifax still has not replied to this day. Equifax is the only credit reporting agency who has not replied ; Equifax is in violation of the law and is causing me emotional and financial injury for their lack of compliance with the law. I've asked them to make sure everything on my credit report is XXXX XXXX accurate as is required of them, but rather than doing this which requires them to thoroughly investigate they have taken adverse action against me by doing nothing, which is causing me injury on a daily basis. Today 's date is XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to make multiple payments through XXXX XXXX XXXX   payment system. My payments never made it to my bank but they say the payments were returned. XXXX   XXXX marked my account 30 days late. I spoke to five different representatives and they all were unhelpful. XXXX XXXXXXXX has had issues in the past accepting ACH payments. This company has failed in customer service as well as failing to update account information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't have a late payment on discover, my balance is less {$900.00} and they report {$1900.00} and wrong utilization pourcentage I have called them to fix this, they referred me to the reporting agency all XXXX bureaus did not correct it despite I sent pictures of my new balance and no late payment
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 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 by 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I WAS DENIED AN EXTENSION OF CREDIT BY AMERICAN EXPRESS. ON XX/XX/XXXX XXXX, I APPLIED FOR A CREDIT CARD WITH AMERICAN EXPRESS. 
AS YOU MAY BE AWARE, IT IS AGAINST FEDERAL LAW IN ACCORDANCE WITH EQUAL CREDIT OPPORTUNITY ACT TO PROCLAIM AN ADVERSE ACTION AGAINST A CONSUMER. PURSUANT TO 15 U.S CODE 1691 ( C ) YOU ASSUME CIVIL LIABILITY PURSUANT TO 15 U.S CODE 1691 ( K ). AMERICAN EXPRESS HAS VOILATED MY FEDERALLY PROTECTED CONSUMER RIGHTS : 15 U.S. CODE 1642 15 U.S CODE 1681 M, 12 CFR 1002. AMERICAN EXPRESS INDENTRED AGREEMENT IT STATES " THE SECURITY INTEREST IN THE COLLATERAL IS GRANTED TO SECURE THE NOTE. '' AMERICAN EXPRESS DEFINTION OF COLLATERAL " ALL ACCOUNTS, INSTRUMENTS, DOCUMENTS, ETC. MY APPLICATION WITH SIGNATURE IS THE COLLATERAL. THE NOTE FOR EXAMPLE IS THE PROMISSARY NOTE. THEREFORE THE APPLICATION SHOULD IN TURN BE GRANTED INTO A PROMISSARY NOTE WHICH MEANS I SHOULD HAVE AN ACCOUNT/CREDIT WITH CREDITOR AUTOMATICALLY. I WOULD LIKE FOR MY ACCOUNT TO BE OPENED AND MY CARD SENT TO ME ASAP. 

AMERICAN EXPRESS ALSO USED XXXX TO HELP MAKE THIS DECISION WHO ALSO REPORTED FALSE AND MISLEADING INFORMATION! 
SINCE THE EMAIL THAT WAS SENT TO ME DATED XX/XX/XXXX IS BOTH PROOF AND EVIDENCE THAT I HAVE BEEN DISCRIMINATED AGAINST, YOU ARE ALSO CRIMINALLY LIABLEXXXX XXXX SHOULD RESORT TO REASONABLE PROCEDURES TO RECTIFY THIS AFFAIR AND COMPENSATE ME FOR THE USE OF MY SECURITIES. OTHERWISE, THIS WOULD BE CONSIDERED SECURITIES FRAUD SINCE I HAVE RECIEVED ( NO BENEFIT ). 
FOLLWOING THIS INITIAL ATTEMPT TO RECTIFY, I WILL BE SENDING AN INVOICE TO COLLECT ACTUAL DAMAGES FOR SAID VOILATIONS.

I WOULD ALSO LIKE TO ADD THE PRIVACY ACT OF 1974 The Privacy Act of 1974 is a federal law that governs the collection, maintenance, use, and dissemination of records about individuals maintained in a system of records by federal agencies.34 The Act provides protections to individuals in three primary ways : the right to request their records, subject to Privacy Act exemptions ; the right to seek access to and request correction or an accounting of disclosures of any such records maintained about them ; and the right to review records about themselves, to find out if these records have been disclosed, and to request corrections or amendments of these records, unless the records are legally exempt.1 The Privacy Act establishes a code of fair information practices that require agencies to comply with statutory norms for collection, maintenance, access, use, and dissemination of records.04 Federal agencies must state the authority ( whether granted by statute, or by Executive order of the President ) which authorizes the solicitation of the information and whether disclosure of such information is mandatory or voluntary when requesting information.
Product: Vehicle loan or lease

On XX/XX/22 I spoke with a salesman by the name of XXXX XXXX we discussed a car I seen On the internet. I let XXXX know I was interested and that I was a out of state customer, I let him know that the Mercedes dealer ship in my home town was asking of a down payment of XXXX and I wasnt paying a large amount. XXXX ran my credit did all the numbers and credit pull and call me back and let me know that I was tier XXXX with Mercedes Finiancal if I give XXXX down payment I can lease the car for as little as XXXX  monthly I agreed and a link was sent to my phone to sign all contracts and documents. XXXX and I set discuss a time to get car ship. Fast forward to XX/XX/22 I still wasnt able to get plates or registration to even drive the car I reach out to XXXX who was dodging me and never was available, I than spoke with multiple people and finally I was in contact with a lady by the name of XXXX XXXX she went in and re wrote my contract push me to tier XXXX in up my credit monthly payment from XXXX  monthly to XXXX I believe ( I have supporting documents ) imagine this is almost a month later Im sure my credit have change at time she did this Im asking for this contract to be cancel return my deposit this is for sure fraud and against the law. Im seeking out legal help
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items there to be inaccurate. 

Under the 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of identity fraud. On XX/XX/2020 someone fraudulently used my personal information and tried to attain a credit account with Continental finance ( XXXX XXXX XXXX XXXX ). I received notifications from several different credit monitoring companies ( XXXX XXXX, XXXX XXXX  and XXXX ) that theres a new credit inquiry on my account. I did not authorize or tried to open that account. I called Continental finance ( XXXX XXXX XXXX XXXX ) right away and notified them that I did not authorize that and that they investigate and close that account. I was told that within 30 days I will receive letter from them with the conclusion of their investigation. I called and mailed a letter to all of the credit bureaus ( XXXX, XXXX  and XXXX ) explains that hard inquiry was fraudulent but I was told that I have contact the creditor because the credit bureaus cant do anything. 

I waited over two months and never received anything from Continental finance ( XXXX XXXX XXXX XXXX ). I called back on XX/XX/2020 asked what happen to the investigation as the hard inquiry still shows up on my credit report. I was told that they dont have any information and to call back in few weeks. I called back a month later and was transferred to 5 different agents but they couldnt give me a response to whats going on with the investigation. I waited another month and called again on XXXX then finally a fraud department agent stated that they're still investigating and may take another month. It's been over 4 months now and XXXX  or myself didn't hear or receive anything.

This fraudulent hard inquiry is hurting my credit score. Please help me remove this fraudulent hard inquiry on my credit report. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid for an application fee for a home that I was trying to rent. I was denied the home because XXXX reported to them that I was evicted from XXXX XXXX XXXX in 2016. I do not live and have never lived in any XXXX XXXX XXXX Property. My mother and I have the same name and she rented from XXXX XXXX XXXX, not me. This is not the first time that this has happened and I was denied housing and employment due to XXXX XXXX and XXXX not verifying the information that they are selling to people
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 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 by 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

XXXX XXXX sent two XXXX to an address where I didn't live on approximately XXXX. I never received the phones and XXXX verbally has stated phones were returned by XXXX XXXX & apologizes every time I call. However the have kept billing my credit card for them. Citi Cards visa by Costco responded to my dispute several times and has ruled in my favor only to have XXXX resubmit the charges repeatedly every month now for 5 months. The charges are for {$910.00} and {$960.00} each. XXXX has changed the story in last 2 months saying the returned phone boxes were empty and therefore someone probably stole them. Citi Cards keeps rebilling my credit card inspite of no change in evidence and inspite of many phone calls from me complaining that this is now at a fraudulent stage. They are favoring the merchant over the customer wherein the crime has been committed by the merchant. My story has not changed and I have spent many hours over this fraudulent process. I can litigate against XXXX which will be my next step. However, I expect my credit card company to support me when I am not at fault. This has been going on for 5 months and must stop. Let the XXXX XXXX come after me if they feel that I am wrong and make their case. XXXX and Citi Cards have written documents from me in this XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For the SECOND consecutive time, Experian claims to have " verified '' a bankruptcy with the furnisher of information. This is impossible, a complete fabrication of the truth and a miscarriage of justice. Pursuant to Rule 1005 of the Federal Rules of Bankruptcy Procedure, all documents filed with the court are to contain only the last four digits of the individuals social security number or tax identification number ( TIN ). Under the Federal Rules of Bankruptcy Procedure, a debtors full social security number is filed with the original petition, and filed under seal. Meaning the only information released to third parties who are not involved directly with a bankruptcy petition is ( 1 ) Your Full Name, ( 2 ) The Last Four Digits of Your Social Security Number, and ( 3 ) Your Address. I see no " Motion to Unseal '' filed with the U.S. Bankruptcy Court. Having only this information is NOT enough to verify an account. MOREOVER, the U.S. Bankruptcy Courts DO NOT verify information with credit bureaus, which means Experian and their presumed partner, XXXX, are fabricating their dispute results. I want the CFPB to intervene and figure out how this information is " verified '' knowing courts DO NOT verify records, and " data miners '' such as XXXX have only limited access to my personal information.
Product: Mortgage

I am in the process of refinancing a current XXXX XXXX home mortgage with a company called Forthright Funding ( mortgage broker ). They are located in XXXX. I live in XXXX XXXX. I am refinancing to eliminate the PMI. Forthright had the most favorable terms. I sat with a notary signing the papers and the fees had increased by almost {$1600.00}. I contacted Forthright and the told me {$600.00} was extension fees by XXXX ( lender ) This was never disclosed to me. In addition the employee of Forthright did not disclose a {$900.00} fee for underwriting. The employee admitted he failed to include in my estimate. I spoke the the President of Forthright and over several calls he told me he was sorry but they were not going to do anything. He stated he had discussed with his attorneys and they did nothing wrong. 
I want them to stand by their initial fee proposal. The extensions were not because I failed to comply. They also are telling me that XXXX had notified me if the extension fees. They did not.
Product: Credit reporting or other personal consumer reports

I recently disputed factual information listed incorrectly on my credit report as well as incomplete information regarding an alleged collection account being listed on my credit report. In my dispute I included a copy of the factual errors, as well as highlighted where the incomplete and missing data was. This was sent via certified mail, which immediately they came back and stated the information was verified. An alleged collection account not being reported in the collection section and was being reported in the other accounts with installment loans etc, was listed two past due infractions an a past due amount, and double hitting my credit report negatively by allowing the two past due infractions of 120 days to be reported in addition to showing an alleged collection account as opened, and listing a past due balance. XXXX XXXX accounts are past due in itself, as well as listing two separate 120 day past due late payments. After receiving results i called and spoke to an XXXX XXXX  manager at Equifax who repeated Mutiple times that " They do not investigate disputes at Equifax, and the information was verified with the data furnisher '', on a recorded line she stated this. They are continuing to allow the inaccuracies and incomplete data to be reported and did not investigate the dispute. Multiple attempts were made to correct the data through the furnisher, as well as Equifax itself. However, according to their floor manager, they DO NOT INVESTIGATE DISPUTES.