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

I have been attempting to correct unknown things on my credit report since XXXX, 2021 but i have not received a response or deletion of these things. I feel this is VERY unfair and I am being taken advantage of by having my disputes ignored. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives reason to immediately remove these items from my consumer credit report. As it has been well over 60 days these items should have been deleted. I DEMAND these accounts be deleted immediately or I WILL file for litigation due to the stress you have now caused me. My information was also impacted by the XXXX data breach and may got into the hands of another person.
Product: Credit card or prepaid card

XX/XX/XXXX, spoke with XXXX - he reversed charges that were wrongly accrued. Brought balance owed to {$0.00}. Closed the account completely on that day. 
Received another statement - account was NOT closed. I called back on XX/XX/XXXX disputed the now new charges that accrued again. Spoke to XXXX, then XXXX and a XXXX - reversed charges again and got a confirmation # that account was closed and all issues resolved. Confirmation # XXXX. 
Received yet another bill for the account that should be closed. New charges once again have accrued. XX/XX/XXXX Tried calling in again explaining the account was closed now twice but yet still getting charges and fees. All while crushing my credit score because its showing I am not paying past due fees. Spoke to three gals, first XXXX hung up on me. Promptly called back spoke to XXXX ( ID : XXXX ) she said she couldn't help me. I asked to be transferred to a manager. Got XXXX, she said she can only " send 'it ' off '' can not do anything with the account.
Product: Bank account or service

US Bank has place a report on my name to XXXX back in 2011. Went to the bank to try to find out what was going on when they input my info. nothing came back. They suggested I apply to have it removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I had sent in a Police Report as well as a FTC report to Experian regarding account that I did not authorized to open. There is a XXXX account and a XXXX XXXX/XXXX account on my report that Experian failed to help me get resolved and the accounts removed from my credit report.
Product: Money transfer, virtual currency, or money service

I cant get into my coin base wallet and they do not have a phone number to contact them its a dead end to get my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

This information is in regards to a check that I deposited to start a company to start a home business they told me to go deposit the check it was a XXXX XXXX XXXX and told me to all the places to go to buy software and computers and things like that so when I did Bank of America automatically close my account I did not know this was a fraudulent company so now it's keeping me from opening any account here XXXX where I live now I have a checking account in XXXX XXXX but I can not use it for my job 's over here
Product: Checking or savings account

XXXX some odd dollars was taken from my account and they denied my dispute my veteran benefits were compromised and they didn't want to do a thing about it I've had 5 funerals since the incident so I have had time to report until now. I'm infuriated the I vestigayion results they said my statements were inconsistent I filed a police report before I even called them
Product: Debt collection

SELF/SOUTHSTATE BANK XX/XX/year>, Original Amount XXXX. This was a installment loan that I put my own money into I settled the account. now I owe money that I shouldn't this was supposed to help my credit.
Product: Credit reporting

I had requested a credit card with XXXX. XXXX approved the request and issued a credit card. When I saw my credit report information there were XXXX inquiries from XXXX Bank. I contacted the Bank and asked why they had XXXX inquiries on my report and asked they remove them. Instead of removing the excess number of inquiries, I checked my report and they had reported that ( had reported the credit card as lost or stolen. I informed them that I had not reported the card lost or stolen, but that I wanted to close the account completely. They then caused there to be a second report of a lost or stolen credit card. I advised them that this was untrue and to correct the problem. They did not correct the problem, but did cancel my account, as I did request. NOW I have several inquiries and XXXX reports of lost or stolen credit card. This has caused my credit score to plummet from XXXX to XXXX points. I want the entire matter cleared from my credit reports and XXXX Bank is not responding to my communications. Please help. I am very stressed that my credit score has been changed from XXXX to XXXX points and want to correct the matter so that my credit report is not impacted. When I asked them to close the account, they replied " then your credit score will decrease further '', as if they were threatening me. I asked it be closed anyway, as I did not consider them fair or helpful. Now I have a terrible credit score, all because they fraudently reported that the card had been lost or stolen. I never reported that. I had received the card and it has always remained in my possession. Can you help me get them to undo the damage they have caused? 

Please help me. 

Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Collection : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Personal Information : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX PREVIOUS XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ALSO KNOWN AS : XXXX XXXX XXXX EMPLOYER : XXXX XXXX. 
EMPLOYER : XXXX NAME : XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Dear Sir/Madam, I am writing to formally lodge a complaint against Comenity Bank regarding their handling of my Sephora Visa Signature Credit Card account , which has caused significant and ongoing financial distress due to erroneous credit reporting as a result of repeated system outages impacting ability to complete payments. In the summer of 2022, I opened a new Sephora Visa Signature Credit Card. After opening this account, Comenity Bank 's Sephora Credit Card system experienced repeated outages, causing frequent inabilities for customers to complete payments. This outage led to me being wrongfully charged late fees in and XXXX of 2022, which was then erroneously reported as late to the credit agencies. To resolve the issue, I promptly contacted customer service. They acknowledged the error, agreed to reverse the wrongfully charged late fees, and assured me that no late payments would be reported to my credit agencies, as they were at fault given customers could not access their accounts. The late fees were subsequently reversed on my account, and I was issued a check to reimburse me for the wrongfully charged fees. However, I later discovered that Comenity Bank never removed the report from my credit agencies, which caused my credit score to drop by XXXX points. When I followed up with them on their promise to remove the reported late payment from my credit report, they denied my request. It has been impossible to get in touch with anyone who can effectively manage my complaint. Each time I have reached out for a resolution, I am put into a queue of overseas agents who have consistently made misspellings in their responses, indicating a lack of professionalism and effective communication. Despite my repeated attempts to resolve the complaint over the last 2 years, my credit report still reflects a late payment that Sephora reported during their system outage. This report, and consistent issues with accessing my account and completing payments, has caused me significant financial distress and has impacted my ability to apply for loans, apartments, and other essential financial activities. I have thus discontinued use of this credit card, but the account remains open while I seek resolution. After researching online, I have found that many other customers experienced similar issues with Comenity Bank 's Sephora Visa Signature Credit Card in the summer and fall of 2022, following the opening of their credit card accounts. Given the significant impact on my financial standing and the lack of resolution from Comenity Bank, I am requesting the Consumer Financial Protection Bureau 's assistance in the following resolutions : Immediate removal of the late payment report from all credit agencies. A formal apology from Comenity Bank for their handling of this situation and assurance that similar issues will be prevented in the future. Thank you for your attention to this matter. I look forward to a prompt and satisfactory resolution to my complaint.
Product: Debt collection

I had a debt collector call my place of employment on XX/XX/2018 in reference to a debt that does not match my records. This is an old debt from over a decade ago that has been resold so many times that I can't actually find out who owns it now because they have all lost the paperwork. 

I told them that it was illegal to contact me at my place of employment ( my employer has a no personal calls policy that I can be fired for if I violate ) The caller insisted that it was not illegal for them to call me at work. 

I told them that the Fair Debt Collection Practices Act prohibits them from calling my place of work if they have such a policy but was again told it was not illegal for them to call me. Which is a complete untruth. 

I then told them I have the ability to sue for violations of this Act and I ended the call.
Product: Checking or savings account

Someone got into my chase account and took XXXXXXXX XXXX out
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has failed to remove information that has had a material impact on myself after repeated requests to do so, and furnishing them with the requested information beyond what has been requested. 

I ask tha

t these requests be honored, otherwise, other agencies, federal, state, local, ACLU, civil rights, state Attorney Generals, and other may be contacted to correct the information or otherwise forced to do so in a court of law with a favorable ruling by a the presiding Judge.

The information listed is inaccurate, incorrect, done without my consent, permission, or authority, and I was otherwise unknown of the severity of the situation.

Remove all requested information.
Product: Credit card or prepaid card

I have a Chase Freedom XXXX XXXX card and have been a member since XXXX. On XX/XX/XXXX I made a payment online paying the entire balance of my credit card. Online it states that I made the payment on XX/XX/XXXX. On XXXX XXXX I went to use the card for a very small purchase and it was declined. I called Chase to ask why, when I had just paid off the balance of my card. They stated that because I made a large payment to my card that they had to do a background check on me before they released the funds to the account. Online it already showed that the balance on the card was XXXX. I had already received notice from the credit bureau that the XXXX dollar balance had already been reported and that my credit score increased as a result. XXXX XXXX XXXX had already drafted the funds from my bank account and sent the money to Chase. Additionally, I have made a payment to XXXX XXXX in a higher amount than the payment I made to Chase, and XXXX XXXX applied the payment the next day and gave access to the credit line so it is unacceptable and predatory business practice for Chase to delay. Several agents told me that I just had to wait until Chase completed their background check and that the credit line on the card would be available on XX/XX/XXXX. On XX/XX/XXXX the available credit still shows as XXXX so I called again. At this point, I was told that Chase was still processing the payment and that I should " check back from time to time sometime in the afternoon ''. This is unacceptable and predatory business practice and undue delay in access to my XXXX credit line with no proper explanation.
Product: Checking or savings account

I had put some money into the SoFi banking app. I had some money in there for a few weeks and had been seeing their investing thing so I took about XXXX  % from what was in my SoFi checking account balance and placed it into some stocks on the SoFi app. Then within XXXX week SoFi froze every account on my SoFi app/account. My SoFi checking, savings, investing, etc. was froze. I called the company for more information the first time and they told me they were working on closing the account and when the account was closed they would transfer all the assets back to the linked bank or they would send a check. It came across my mind again and I checked my app and still. same thing. I called the company against after XXXX months since the first time I called and they told me the exact same thing. They were working on closing the account and they couldnt give me a timeframe in which it would be closed. I then asked if they could schedule a follow up with me when they did have a timeframe in which the account would be closed and they said they didnt know if they would be able to schedule a follow up with a timeframe.
Product: Credit reporting or other personal consumer reports

On XX/XX/24 I sent Equifax, XXXX, and XXXX a dispute about deleting incorrect personal information that is currently reflecting on my report thats not mine. I never have lived at these places and some I do not recognize at all. They have yet to process my request and have ignored it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the Portfolio Recovery Associates on XX/XX/2018 requesting that they validate, NOT verify, a debt that they are reporting on my credit file. I, then wrote XXXX   and XXXX on XX/XX/2018 to inform them that the company never responded to my request. XXXX  responded by deleting the invalidated reporting. XXXX has " verified '' the reporting as accurate by matching the reported social security number to mine. This is not proper validation. Portfolio Recovery Associates did not respond to my request for validation in a timely manner as according to the law. Not only did they fail to provide any documentation or evidence bearing my signature, they failed to reply to my request to have the item delete as they are legally required to do. On XX/XX/2018 PRA sent a billing statement in reply to my request for validation which does not prove that I am obligated to pay or owe this debt. They sent the same documentation again on XX/XX/2018 and stated that they have " completed their investigation '' and will " not be conducting another investigation '' because my " dispute alleges no new facts and includes no new information in which to form the basis for a new investigation. '' They have reported delinquent and invalidated information to the credit bureaus that I am asking to be deleted.
Product: Debt collection

I went to XXXX XXXX on XXXXXXXX XXXX XXXX Checked in XXXX XXXX XXXX stayed a night and went home. Less than a month later I get a bill that states I owe {$20000.00} plus another {$8000.00} for the XXXX and my insurance isnt accepted. Mind you I had already went to XXXX XXXX 3 times to get an XXXX XXXX handed the secretarys my insurance card, made sure everything was all set and went on my way. Those 3 times I went there didnt get denied until AFTER I had my child there. Not only that, but my XXXX XXXX XXXXXXXX XXXX ) had checked if my insurance was accepted by XXXX XXXX BEFORE any of my visits there and I was told it was. I did my due diligence I asked the right questions and yet Im getting punished for someones mistake. Iv tried to contact them numerous times nobody could give me an answer as to what happened. I asked for an itemized EOB printed and mailed to me, and I would only received the summarized one. This has been over a year of me trying to get answers with no help. I will call the insurance commissioner and my lawyer to resolved this matter, since nobody on XXXX XXXX end is capable of resolving this matter themselves.
Product: Credit card

We received our bill today with notice of new monthly fee of {$1.00} to be charged to our account EACH MONTH we are sent a paper billing statement for our Lowes charge card which is issued thru Synchrony. 

As seniors who prefer to send checks in the mail, we will not pay this fee. We continuously read articles about all the financial fraud from electronic payments. Even today there is an article about Venmo, XXXX and XXXX XXXX are leaving consumers vulnerable to fraud. 

We use our Lowe 's card fairly regularly but feel Synchrony is just trying to make more money off of the consumer. If the fee remains, we will no long use our XXXX 's charge card.
Product: Checking or savings account

Bank of America Wire Transfer Dept ( XXXX ) XXXX XXXX the representative would not fully identify herself I was wired {$270.00} in US dollars to be received from XXXX {$400.00} XXXX and the bank stole money depositing only {$260.00} then taking another {$15.00} and refusing to return the money. They was informed that the {$270.00} was supposed to be in my account as that is what was sent to me and showed they do not care, they was taking my money unauthorized without notice, warning and consent. The bank representative XXXX said this is what they was going to do. Refused to give me her full name and when I said I wanted to make a formal complaint she refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have files three disputes with Equifax on two different accounts at the same financial institution, BOTH WITH supporting documentation from the institution certifying the accounts were paid off in full and closed. 

On the first occasion, the dispute result date of XX/XX/2022, states that the account has been updated, however, there was not change to my report. I figured it would update when I requested ( and paid {$34.00} ) for a new report..no change. I submitted another dispute for now both accounts ( that were paid in full on XX/XX/2022 and XX/XX/XXXX respectively ), to be updated and their dispute results received on XX/XX/XXXX stated that it was updated, again with no change to my report. 

I submitted the disputes AGAIN, with the same documentation that day. XXXX ( XX/XX/2022 ) dispute results read The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 

Once again, if they have the acknowledgment acknowledgment from the institution stating that both accounts are paid in full, and they certified that documentation with the institution, how can they say it is still accurate to report a balance and they account as open???? 

Ive exhausted efforts with that credit bureau, and opened a dispute with XXXX XXXX for the same account reporting errors, and it is in pendingstatus. Additionally, Ive opened up a complaint/dispute with the financial institution so that they can get with Equifax/reporting agencies directly. Positive information shouldnt be this hard to get updated, when the negative impacts are reporting at lightning speed.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX # XXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 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 of 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

I received a copy of my credit report and I have found the account listed below to be in error. Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under LATE OPEN end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXXXXXX XXXX  XXXX XXXX XXXX : {$240.00}