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 rights to privacy and confidentiality under XXXX XXXX XXXX : XXXX - XXXX XXXX  ( BANK ) XX/XX/XXXX - XXXX  ( BANK ) XX/XX/XXXX - XXXX XXXX  ( FINANCE ) XX/XX/XXXX - XXXX XXXX XXXX ( FINANCE ) XX/XX/XXXX - XXXX XXXX ( FINANCE ) XXXX XXXX, XXXX - XXXX XXXX ( BANK ) XXXX XXXX, XXXX EQUIFAX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX - XXXX XXXX, XXXX XXXX  XX/XX/XXXX XXXX - XXXX XX/XX/XXXX - XXXX  XXXXXXXX XXXX  XX/XX/XXXX 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I enrolled in this lenses COVID 19 program in XXXX. I was incorrectly hit with a late payment on my credit and drastically impacted my financial situation during these hard times. I have already paid this company the amount that was supposed to be differed and I am current with them. When I made the amount to be current their rep said sometimes during the COVID hardship program late payment get reported incorrectly. Still I am getting the run around and no assistance whatsoever. This should not e tolerated in a time like this because of an employees incompetence.
Product: Checking or savings account

I share this account with my ex-husband, we each have an ATM card. He requested a replacement ATM card. The ATM card never arrived to him, it was intercepted at some point - stolen from the mail. The theif activated his card and put their own pin. They made {$5800.00} of withdrawals over two days, XX/XX/XXXX and XX/XX/XXXX, as well as a few online charges totaling around {$1000.00} at video game websites. I contacted Chase within a day of these charges and they denied our claims saying that because a valid pin was entered, these are authorized charges. They will not re-open the claim. The atm card was stolen and this is atm fraud. The bank should be crediting us for this stolen money.
Product: Debt collection

I HAVE DISPUTED THIS INACCURATE AND UNVERIFIED ACCOUNT ON MY CREDIT REPORT FOR DELETION AND IT IS STILL REPORTING. SINCE IT HAS NOT BEEN DELETED, AND YOU ARE TRYING TO VIOLATE ME UNDER THE FCRA AND FDCPA, IN 7 DAYS I WILL BE SEEKING FOR DAMAGES FOR EVERY MONTH THIS ACCOUNT HA BEEN REPORTING ON MY CONSUMER REPORT UP TO {$1000.00} FOR EACH VIOLATION. I WILL BE SEEKING FOR DAMAGES FROM YOUR COMPANY ( SOURCE RECEIVABLES ) BECAUSE YOUR COMPANY IS THE ONE WHO HAS BEEN REPORTING THIS ACCOUNT. ( AGAIN YOU HAVE 7 DAYS FROM NOW XXXXXXXX  )
Product: Vehicle loan or lease

I received court documantation in regaurds to a vehicle that was sold to me stating that I am being sued for the balance of the vehicle after contacting the financial institution for a voluntary repossession when the vehicle having multiple issues from purchase finally broke down completely. My initial complaints weren't submitted to Gateways Financial 's representatives but to the dealer and to my salesman. It wasn't until later, after I'd gotten nowhere with the salesman as we couldn't agree on a time and date because of my work schedule and my at the time pregnant misses and our appointments that I expressed my displeasure with the representatives of the company by way of phine and email on how I'd been sold an unfit vehicle that had not been given it's multi-point inspection after being told by my salesman it had to ensure it's safety before the vehicle was sold. After performing my own inspection of the vehicle when winter finally broke and was able to do so is when I dicovered the issues that could have left me or my family seriously injured or deceased. Pertaining to the outer tie rod ends as they control steering. When one fails, the tire, if it's the front driver side slams extreme left, the front passenger side slams extreme right pulling the car in that direction and if not acted against immediately meaning would either send the vehicle and it's occupants ( myself or my XXXX lady ) into oncoming traffic or into a ditch, tree, embankment, etc. at 55 miles an hour as all main roads leading to towns are posted at that speed limit. I also submitted my at the time address of which the vehicle was located for pick up after the fuel pump expired expressing to the representatives that after all that had transpired up to the fuel pump failing that with a XXXX an at the time XXXX year old and my misses being out of work for 6 weeks recovering from a XXXX XXXX that I wouldn't be able to continue financially with repairs and a payment. Even after Gateway 's attempt to refinance me at a lower rate it still would not have been possible to pay for repairs, car payment, housing costs amd utilities with all that was going on..
Product: Checking or savings account

American Express Personal Savings promoted that they would credit 25,000 Membership Rewards points within 8-12 weeks after the primary account holder deposited a total of {$25000.00} or more into a new account by XX/XX/2020 and held those funds in the account through XX/XX/2020. I opened a new account on XX/XX/2020 and deposited {$25000.00}. However Amex Savings did not credit me with 25,000 points. I called multiple times but Amex Savings did not resolve my issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to ALL XXXX credit bureaus- TransUnion XXXX XXXX XXXX XXXX several times to have this account with XXXX XXXX name reported on my credit report ). The first time was for them to verify this account- XXXX and send me documents of their method of verification and proof. I RECEIVED nothing but a stall letter saying that I the account was verified. The second letter I asked for a reinvestigation and they replied with the same letter and ignored my request. I also pointed out some violations on this account to the bureaus that was also IGNORED. This account have different information reporting from each bureau which lets me know that they are also in VIOLATION of Metro 2 Compliance. Each bureau is showing DIFFERENT account numbers on my credit report, HIGH BALANCE, LAST VERIFIED DATE, OPEN DATE, & CLOSED DATE, just to name a few. This information is INACCURATE which explains WHY the XXXX credit bureaus CAN'T verify this account and present me actual PROOF of their method of verification of WHO they verified this account with and the actual ORIGINAL DOCUMENTS bearing MY SIGNATURE.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updatedXXXXXXXX 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 a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank youXXXX XXXX XXXX, XXXX XXXX
Product: Debt collection

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Dispute of Inaccurate Negative Item Reported by Experian on My Credit File Dear Sir/Madam , I am writing to formally file a complaint regarding an inaccurate negative item reported on my credit file by Experian. I have reviewed my credit report and found a discrepancy that I believe has been mistakenly reported by the credit reporting agency.

The specific item in question is listed as a negative entry This item is inaccurately reported and does not reflect my true credit history.
Product: Debt collection

I resided at any apartment called XXXX at XXXX managed by XXXX XXXX XXXX. Upon move out I received a final bill with a charge of {$1500.00} for carpets damage when there was no carpet damage. When I attempted to dispute this the apartment complex did not respond to my emails or phone calls and sent my file to the XXXX XXXX who later sent my file to a collection agency by the name is Results Unlimited. I have been trying to dispute this charge and not the rest of the charges as this charge is inaccurate and I have supplied them proof with condition of the apartment and carpets condition upon move out. I sent emails to XXXX upon receipt of the final bills with pictures of the apartments condition upon move out with no damages XX/XX/2020, and my account was in collections by XX/XX/XXXX with no contact or explanations from the XXXX XXXX or XXXX at XXXX  prior to that. The collection agency ( Results Unlimited ) is telling me they can take legal action if I don't pay and if I choose to go to court I have to also pay the legal fees in addition to my final bill. This is opportunistic behavior during a pandemic to charge someone fraudulent charges. 
My Issue is incorrect billing/inaccurate charges, The Apartment complex XXXX at XXXX did not provide any reasoning or evidence to support these charges when I provided proof of the apartments condition upon move out. The XXXX company forwarded my file to collections as well without contacting me and the collection agency is wanting to charge me legal fees to dispute my concerns in addition to current charges or " take legal action '' if I don't pay.
Product: Debt collection

I have credit cards in collections with exorbitant balances!!!!!! 
Credit Cards that I don't own
Product: Credit reporting, credit repair services, or other personal consumer reports

yes, you guys keep claiming that you guys have tried to call me for my account ending in XXXX. I never gotten a call from you guys or any voicemail regarding my fraud claim.
Product: Student loan

Wanted to pay off loans during COVID with no interest. I called and was told the amount to pay in full was {$3200.00}. I made the payment and was told I was paid in full. Now there is an additional $ XXXX on my account. I keep trying to set up auto payments and they are being denied and I am not being notified. I keep calling and resetting these up but they don't want to fix anything. I was told that I have to keep track now after COVID because their systems are XXXX XXXX. This should not be my issue and how can I trust them when clearly they do not know what my balance even is.
Product: Debt collection

Credence resource managent called me multiple times on the same day and multiple times almost everyday. On XXXX  they called me again on the same day after I had already declined earlier to harass me.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable 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 evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removedor amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
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. 

HARD INQUIRIES Account name : XXXX -DATE : XX/XX/XXXX Account name : XXXX -DATE : XX/XX/XXXX Account name : XXXX -DATE : XX/XX/XXXX Account name : XXXX XXXX -DATE : XX/XX/XXXX Account name : XX/XX/XXXX -DATE : XX/XX/XXXX Account name : XXXX XXXX -DATE : XX/XX/XXXX Account name : XX/XX/XXXX -DATE : XX/XX/XXXX Account name : XXXX XXXX -DATE : XX/XX/XXXX Account name : XXXX XXXX -DATE : XX/XX/XXXX Account name : XXXX -DATE : XX/XX/XXXX Account name : XXXX XXXX -DATE : XX/XX/XXXX Account name : XXXX XXXX -DATE : XX/XX/XXXX Account name :XX/XX/XXXX -DATE : XX/XX/XXXX Account name : XXXX XXXXXX/XX/XXXX -DATE : XX/XX/XXXX Account name : XX/XX/XXXX-DATE : XX/XX/XXXX Account name : XXXX XXXXXX/XX/XXXX -DATE : XX/XX/XXXX Account name : XXXX XXXX -DATE : XX/XX/XXXX These accounts reported by XXXX Equifax and XXXX has violated my rights 15 U.S.C. 1681 Section 602 A states I have the right to privacy 15 U.S.C. 1681 Section 604 A section 2, states a consumer reporting agency can not furnish an account without my written instruction.

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 and crimes which antedates the report by 7 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. 

COLLECTIONS Account name XX/XX/XXXXXXXX -DATE : XX/XX/XXXX Account name : XXXX XXXX -DATE : XX/XX/XXXX Account name : XXXX XXXX -DATE : XX/XX/XXXX Account name : XXXX XXXX -DATE : XX/XX/XXXX These accounts reported by XXXX Equifax and XXXX has violated my rights 15 U.S.C. 1681 Section 602 A states I have the right to privacy 15 U.S.C. 1681 Section 604 A section 2, states a consumer reporting agency can not furnish an account without my written instruction.

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 and crimes which antedates the report by 7 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 reporting or other personal consumer reports

I am writing to formally file a complaint against XXXX XXXX XXXX and XXXX  XXXX XXXX regarding unauthorized hard -off and a collection account by [ Collection Agency Name ] that I believeinquiries and incorrect charge-off account on my credit report. On XX/XX/year>, and XX/XX/year>, hard inquiries were reported on my credit file without my knowledge or authorization. These unauthorized inquiries have adversely impacted my credit score and subsequently led to the denial of future loan applications.

Additionally, my credit report reflects a few charge off to be inaccurate. I did not default on the account that was charged off, nor have I received any proper notification regarding the collection account. These errors are further harming my credit standing and do not accurately represent my financial history or payment behavior. 

Upon discovering these issues, I promptly contacted XXXX, XXXX and Experian credit bureau to request the removal of the unauthorized inquiries, incorrect charge-off, and the inaccurate collection account. Despite my efforts and clear communication that these were not authorized or accurate, all parties refused to take corrective action. I believe these actions are in violation of the Fair Credit Reporting Act ( FCRA ), which mandates the accuracy of reported information and requires that inquiries be authorized by the consumer. 

The unauthorized inquiries, incorrect charge-off, and inaccurate collection account have caused significant harm to my financial standing. Their removal is essential to restoring my creditworthiness. I respectfully request the Consumer Financial Protection Bureaus intervention to investigate this matter and enforce the immediate removal of these items from my credit report.
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 rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. But despite all the complaints I sent to CFPB and Transunion, nothing has changed! So once again, I would like to request the suppression of these items from my credit report, which is the result of a fraudulent item origination and identity theft. These fraudulent items should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. I have sent my documents, the FTC report I filed on their website to make things clear that I am an IDENTITY THEFT VICTIM. I am trying to obtain credit and it is causing me too much emotional and financial distress because of these items that do not belong to me which is reported erroneously. I am in desperate need of these items to be REMOVED and BLOCKED. 

XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX  XXXX Date XXXX Balance : {$550000.00}, XXXX XXXX XXXX XXXX XXXX Date XXXX Balance : {$4900.00}, XXXX XXXX Date XXXX Balance : {$8200.00}, XXXX XXXX Date Opened : XX/XX/2017 Balance : {$4500.00}
Product: Debt collection

Mid-day XX/XX/2020 ; I reached out to XXXX XXXX XXXX to find out what happened with the vehicle that was in my name. This was a vehicle that I had financed for someone and starting months back no longer recieved updates on from XXXX XXXX XXXX or the person that had possession of this vehicle. Through that phone call i found out that the vehicle had been repossessed, sold at auction and the debt had been sent off to a collection agency. They gave me the number to NCB Management Services , inc. and said for anymore information that I should call them. I called NCB Management Services, inc. shortly after and spoke to a representative who informed me that I owed XXXX left on the vehicle and instantly proceeded to ask for personal information. I obliged and gave my address and other contact information. When the phone call reached negotiations on the debt I told the representative that i needed to think about it and I never set up a payment arrangement with them that day or any other. 

On XX/XX/2020 ; I recieved a letter from NCB Management Services , inc. that stated that I had set a payment of XXXX to XXXX resolve the debt and that they had not recieved it. I did not make this payment arrangement and I did not promise NCB Management Services , inc. a payment of XXXX. Nor do I believe I was informed by NCB Management Services , inc. during any point in communication that I had the ability to dispute this debt.
Product: Credit reporting or other personal consumer reports

I reported to all the three barrels of my identity theft. I informed Trans Union XXXX, and XXXX  of the XXXX inquiries that they have on my account that is not mine. They informed me that itll come off in a year. I dont feel that I should keep these on my credit, hindering me from business funding and personal funding
Product: Checking or savings account

XXXX $ was sent to my checking from XXXX XXXX it was marked as deposited on my transaction listed but it never touched my account I alerted customer service all they did was give me back atm fees for XXXX $ for one account and XXXX $ for the other account.All this occurred on XX/XX/2021 as a result I didn't have enough money to buy an important part for my account.I opted out of overdraft and didn't check the balance before I overdrafted accidentally.
Product: Credit card

On XXXX XXXX, 2016, I applied and was approved for a Chase credit card. The terms of my sign-up bonus were : " XXXX XXXX with a required {$2000.00} spend in the first 3 months. '' On XXXX XXXX, 2016, I contacted Chase via Secured message asking them to change the terms of the sign-up bonus. I found a sign-up bonus that works better for my goals. The new terms were : " XXXX bonus XXXX after the first {$2000.00} in purchases within 3 months of approval, XXXX bonus XXXX after {$10000.00} in purchases within the first year, XXXX bonus XXXX after {$20000.00} in purchases within the first year ''. On XXXX XXXX, 2016, I received a reply via Secure message that stated that " We are pleased to confirm that we will honor your request to receive the tiered XXXX bonus XXXX enrollment incentive. '' The message reiterated the new terms and stated that " After you have exceeded {$10000.00} in purchases and {$20000.00} in purchases, please contact us at that time and we will add an additional XXXX bonus XXXX to the account. '' On XXXX XXXX, 2016, Chase removed this message from my XXXX XXXX XXXX. On XXXX XXXX, 2016, I contacted Chase via XXXX asking them to remind me the terms of my " upgraded sign-up bonus ''. The same day, a Chase representative ( initials XXXX ) replied : " Once you 've reached {$10000.00} spending, you would be awarded XXXX bonus XXXX, or after {$20000.00} spending, you would be awarded XXXX bonus XXXX ''. By that time, I had reached the {$10000.00} threshold and asked Chase to issue XXXX points. The representative advised me to wait until I reach {$20000.00} so that they can submit that request for the full amount. On XXXX XXXX, 2016, I contacted Chase again. They verified that I reached the {$20000.00} threshold. However, they changed their mind and denied my request for additional points. They retracted the written promise that they gave me on XXXX XXXX, 2016 and verified again on XXXX XXXX, 2016. I understand that it is up to Chase whether or not to match a better bonus. However, once a promise is made, it must be followed. I acted upon that promise and tried to spend on the credit card as much as possible to hit the required threshold. By doing that, I gave up on other opportunities given me by competitors. I would have spent significantly less on my BA Chase card, had I not received the written promise, not once but twice. If they were unwilling to extend the bones, they should 've done it on XXXX XXXX. Instead, they did a classic " bait-and-switch '' : they gave me a promise, I acted upon it, and then they retracted once I fulfilled the terms of the offer they extended.