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

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BALANCED {$1700.00} This account has resulted in several appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent account. I do not recognize the aforementioned account, as reported. The aforementioned account, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account is the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

My background check from them my XXXX were XXXX back in XXXX  are still showing. I was told after I paid and XXXX years pass it would be off my record. I can not get XXXX driving because of this
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC Violations XXXX XXXX  {$48.00} XXXX XXXX  XXXX {$2400.00} US Department of EDU total {$3700.00} XXXX XXXX XXXX USDOE/XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX  XXXX Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there are several inquiries on my name. I have not given anyone the authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. 

XXXX XXXX {$1000.00} COLLECTIONS XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX  XXXX XXXX {$360.00} XXXX XXXX XXXX {$15000.00}
Product: Credit reporting

Transunion has refused to delete incorrect hard inquiries to my credit report after a glitch within their system. I have called and filed disputes. Inquiries : 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

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

XXXXXXXX XXXX XXXX XXXX 15 USC 1681 Sec 602A states that I have a right to privacy. 15 USC 1681 Sec 604A sec 2 also states that a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681 C ( A ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any of the following items of information : any other adverse items of information, other than records of convictions of crimes which antedates the report by more than 7 years. 15 USC 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: Debt collection

I have a XXXX I need help because get talk and rad well..ss XXXX XX/XX/year> ... my father has same name and address... they have our using my credit problems XXXXthey switched all my credits..there are all contractors cant give me an add the right i owe
Product: Credit reporting

Trans union is reporting XXXX has an open account with a balance of {$9100.00}. This is incorrect. This debt was discharged in bankruptcy XXXX XXXX, 2015. They do correctly show the bankruptcy but the account is closed with a zero balance.
Product: Vehicle loan or lease

On XXXX XXXX I visited Mercedes of XXXX test drove a Mercedes i made a offer to extend my credit and didn't receive what i wanted. i was violated as a consumer. I used my credit card which is what congress defined as one. My card was accessed and i received no benefits. I was discriminated against according to the equal credit opportunity act. I acted in good faith. when asked for my information back the finance manager XXXX refused to give me my information and that i needed to put down a down payment to get the automobile which is not true when you are financing the automobile. I signed the documents with a special signature. All i wanted was to purchase a car, another internet financial manager told me the way i wanted to do the process is wrong and he had been doing this ( selling cars ) for 25 years. I didn't receive a car or my documents this is not how credit transactions supposed to go!!! I was knowingly and willfully giving false information and that is honest business practice.
Product: Student loan

Recently Mohela changed systems. This was a disservice to everyone for many reasons. First, they got rid of the app, which was the best and easiest thing about the service. Second, when I had to recreate my account ( today ), I can't access anything and they don't seem to be able to help me. Third, I no longer have access to my payment history. It is not in the new system ( that I can't access ) per the servicer. Fourth, they have yet to credit my account with my last payment. Fifth, they changed my payment terms, which I don't disagree with. They said it was because of the forbearance and COVID and the terms need to be reassessed. Fine. But they couldn't tell me how often this would occur to ensure my loans are paid within the term even though it is a " system routine check '' and a " periodic check '' which implies some sort of regular process. They refused to give me an answer. This lack of transparency is wrong.
Product: Debt or credit management

When discussing enrolling in Beyond Finance I asked what their fees and services cost. I was told of monthly fees for services. 

Beyond Finance failed to explain or disclose they charge a 25 % settlement fee for settled debit accounts. The 25 % was of the pre-settled account balances. XXXXthe 25 % fee was not pointed out while the Beyond Financial Representative walked me through the Signing of the Beyond Finance service agreement contract. 

Beyond Finance failed to disclose all fees and expenses associated with their service up front. Beyond Finance was not fully transparent upfront and failed to fully and clearly disclose the cost of doing business with Beyond Finance before or during the signing of a contract.
Product: Credit reporting

I paid my bill and in full this is the second time with this company Sychrony Bank keep saying my check is returned when in fact they withdrew the payment and never recieve credit on any of my accounts the only way we finally figured out was thru phone payment .i sent the info proving my payments and was sent texts saying they have me credit and then recieve a new bill thats almost double what it was previously. im spending so much time trying to fight the company its caused many other conflicts in my life to the point im ready to get a lawyer and sue because they dont do anything to resolve anyone 's issue ( in not the only consumer same issue ) i found they were sued for the same type of issues only to reopen under this bank name Synchrony and are ruining many lives as they do the same to others as myself. the attachments they say they have no knowledge of any payments beside the last 2 phone payments .I may have sent doubles but I have plenty of my own but it says not to send personal info on here but really need help theese peoplecare corupt and lie to consumers they have made my XXXX to point im becoming ill from nonstop harrassment from them and i did tell them and a young girl thought it was funny i guess hearing me say this as she became sarcastic to point i could n't talk to her no more plzzzz help they are destroying people 's lives and never help try to resolve anything
Product: Credit reporting or other personal consumer reports

Regions has been reporting my transaction history to credit agencies since i opened my account with them. The Law says it is illegal to report transaction history. This is a violation of my rights acourding to the FCRA and the Privacy Act of 1974. There is a [ {$1000.00} } fine for every transaction reported. Ive also sent a letter and email several times.
Product: Credit reporting

I recently submitted disputed a credit reporting for a credit card that has been filed and dismissed in a bankruptcy filed by my mother. I was the joint account holder.on my experian credit report it shows this on equips and transom that are showing them as charged off not.listing the bankruptcy which has a baring on my score
Product: Credit card or prepaid card

I have an Apple credit card through Goldman Sachs. They have a cusotmer assistance program in which if you can not pay your bill they defer it for a month, and you pay no interest. I have documentation that shows I had an arrangement and they continued ot send me late notices and threatened ot susupend the card, and then did so. I had an email they sent me stating that I was on the customer assistance program for XXXX. I also have chat documentation showing the rep advised ot ignore the payment reminder as I had a deferred payment for XXXX. When I contacted them via chat ( as this is their method for customers who need assistance ) they bounced me around for 8 hours from department to department and asking me the same questions and never sending me to the right department. They sent me to XXXX, they sent me to itunes- everywhere but what I asked. I sent the information to the XXXX and advised they needed to correct my bill and stop sending me threatening messages, late notices and unsuspend my card. I also asked for it to be corrected with the credit bureau, as I had an arrangement and they agreed that I did, but they still kept saying I was late, even though I uploaded the documentation to show them. They told BBB they would correct all the issues, but they have not. I asked for a supervisor today and the supervisor claims that it has been corrected, I just can't see it. They previously reversed only XXXX of it, and this has been going on since about the middle of XXXX when they first started sending me notices that I would have a payment due, even though they sent me an email to confirm I was on the plan, so no payment would be due. They are attempting to drag this out to make me pay more interest. There should have been no added interest because I was on the plan. They refuse to reverse the XXXX because they are trying to make me pay more interest. They continue to drag this out, as I have been going through this since about the middle of XXXX when they started sending me reminders for payment when I had already made an arrangment, again, which interest is not charged when you are on an arrangement, and those are their rules. They have not kept their word. How is this legal?
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit profile, I noticed there are several inaccurate listings. These accounts are very error in reporting. The following accounts, therefore, need to be investigated immediately to publish my correct credit record : XXXX : XXXX XXXX XXXX Balance Owed : {$7700.00} XXXXXXXX XXXX XXXX Balance Owed : {$4900.00} -- -- -- -- -Equifax XXXX XXXX XXXX XXXX Balance Owed : {$7500.00} XXXXXXXX XXXX  XXXX Balance Owed : {$4700.00} -- -- -- -- XXXX : XXXX XXXX XXXX Balance Owed : {$7700.00} XXXX XXXX  XXXX Balance Owed : {$4900.00}
Product: Credit reporting or other personal consumer reports

XXXX, Experian and XXXX listed XXXX on my credit file as a charged off account listing me as an authorized user. I did not approve of being listed as an authorized user. I never once gave my approval to XXXX to list me as an authorized user on any accounts. This is a violation Also, XXXX, XXXX and Ecperian has listed SOS Group on my credit file as well I never once received any notifications to validate debt I have two health insurances and was told I wouldnt have a balance SOS Group is reporting inaccurate information and account I know nothing about which is also a violation
Product: Credit reporting

XXXX mortgage is reporting to all bureaus of delinquency. I contacted XXXX and disputed the matter and it was removed. Transunion is NOT showing a late payment and also XXXX failed to remove the error. The charts that reveals the monthly payments are green and paid as agreed but yet, XXXX is still reporting to the other XXXX transunion and XXXX as delinquent. 

Transunion is also reporting my age of first credit to be at 6yrs 3mths which is false
Product: Checking or savings account

On XX/XX/2023, I opened a savings account at Chase Bank because I am an international student and do not have an SSN ( Social Security Number ). After submitting the required documents, the local staff assured me that I could open the account and update my personal information through the mobile app in the future. However, today I attempted to change my linked phone number but received a message stating that I can not make this change online. I called Chase headquarters for assistance, but I was told that without an SSN, I can not make phone-based modifications.

I spent over 30 minutes on the phone, and Chase kept transferring me to different departments without resolving my issue of changing my phone number. 

Is this how Chase Bank handles security concerns for its customers ' bank accounts? Is this the level of disregard for customer concerns? I kindly request your department 's intervention to address this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have both 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

I am very displeased and disappointed that my information has been in a few breaches which have allowed fraudulent accounts to populate on my consumer report. I was trying to buy a home and I discovered all these accounts. This is jeopardizing and violating my privacy and my consumer rights. Per 15 USC 1681 law, you all are in violation of this statute. I take my livelihood seriously and I am trying to better myself and my family 's life. This is not fair and I am demanding that credit reporting agencies remove all fraudulent accounts immediately.
Product: Credit reporting or other personal consumer reports

I have finished my research on bank XXXX XXXX or XXXX bank XXXX XXXX and I would love for them to stop billing me for something thats already mines. They continue to send me bills when I have already done solved my problem with them and XXXX XXXX office. Next I will get them for mail fraud if it continues they do not own this home
Product: Credit reporting, credit repair services, or other personal consumer reports

Removing security freeze. Both online and phone systems for Experian malfunctioning. 

Also failed to process {$5.00} payment submitted during course of failed online processing which referred to nonfunctioning phone # to resolve
Product: Checking or savings account

I purchased plane ticket from XXXX XXXX on XX/XX/XXXX for $ XXXXThe authorization went through on my SoFi XXXX ( debit card for checking acct ) that day. On XX/XX/XXXX, both the authorization *and* a charge for that same amount were deducted from my checking account. I called XXXX and they said they were given information from XXXX XXXX that the 2nd charge would not fall off until XX/XX/XXXX. This put me almost {$700.00} in the hole ( negative balance ) on my checking XXXX XXXX. They blamed XXXX XXXX, and they blamed XXXX rules. But this is not a credit card, this is a debit card. Messing with people 's actual money, not their credit. I called XXXX and the rep was very nice, but she said even if she asked a manager or other department, she had seen it many times before and they would not do anything to remove charge or even make a small refund on flight for the inconvenience. I have checked every day and the extra authorization has not been removed, which means it truly will not fall off until at least Monday, XX/XX/XXXX, as no banking transactions generally occur on the weekends. I need the cash for my trip. 

SoFi and XXXX XXXX also did the same thing on a plane trip booked on XXXX XXXX XXXX from XXXX to XXXX. I did not know this site existed, or I would have filed a complaint then, too. XXXX XXXX XXXX XXXX for {$340.00}. Email attached.Can you investigate this one also? I believe they also did it for an XXXX charge also in XXXX but I will file that complaint seperately.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfers

On XXXX XXXX, 2016 my husband went to Wells Fargo to send a wire transfer to XXXX XXXX in XXXX XXXX. Wells Fargo sent the wire wrong and the funds were never received by XXXX XXXX. On Monday XXXX XXXX, I went to Wells Fargo to find out what happened and why did XXXX XXXX not receive the money. It was discovered that the banker had used the wrong XXXX number. I was told that the funds would be recalled and sent to the right place and this would happen within 48 hours, 3 days worst case which would have been Thursday XXXX XXXX. I specifically asked what would happen if Wells Fargo could not get the money back. I was told that Wells Fargo would send the money and take it as a loss. On Friday, XXXX XXXX the funds had still not been received, so my husband went back to Wells Fargo. They told him that they would put the money back in our account next week and we would have to resend the wire, completely disregarding what they initially said they would do to correct the problem. I told the company in XXXX that they would have the money by Thursday XXXX XXXX, because Wells Fargo promised that it would be no later than that. Today Monday XXXX XXXX, I went back to Wells Fargo and explained that waiting for them to put the money back in my account is not acceptable when they already promised XXXX XXXX would have the funds by Thursday the XXXX. They told me that they escalated, but there was n't anything else they could do. That we would have to wait for them to get the money back and once they have the money back, they would put it back into our account. So I asked again, what happens if Wells Fargo could not get the money back, again I was told that they would take it as a loss. So I asked why they could n't just wire the money as promised, and Wells Fargo do the waiting for the money back? They said they could n't do that. What are my rights? Wells Fargo charged me {$45.00} to wire the money and charged us more than the exchange rate for converting to XXXX. How is this even legal?
Product: Mortgage

I filed bankruptcy ... Which I excluded my Home mortgage.and chose to pay separtly.. MY loan has never been reported by Carrington Mortgage to XXXX... I am told I need to reaffirm my mortgage... .My Bankruptcy has long since been discharged... Why is this required? My home was never part of my Bankruptcy filing... XXXX XXXX...
Product: Credit reporting or other personal consumer reports

XXXX XXXX improperly reported me late on late fees no charges at all. We paid thru there system as always yet the showed us past due we call on XX/XX/XXXX to ask for solve problem they said problem fine then just now reported me late again. I have filed a complaint in XXXX XXXX XXXX  court for declaratory relief
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE BE ADVISED THAT I AM A VICTIM OF ID 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 IDEA KNOWELEGE OF ANY SUSPECTS. I DID NOT RECEIVE ANY MONEY, GOODS, OR SERVICES AS A RESULT OF THE IDENTITY THEFT.6565 According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA,  unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$460.00} XXXX/XXXX  XXXX Balance : {$160.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX/XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$460.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX/XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$460.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX/XXXX XXXX Balance : {$160.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX/XXXX  XXXX Balance : {$0.00}
Product: Debt collection

Collection agency never advised me of right to dispute account prior to making payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

In according with the Federal Credit Fair Act, 15 USC 1681 Section 602A States I have the right to privacy, 15 USC 1681 section 604A Section 2 states a credit reporting agency can not furnish an account without my written instructions and 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] XXXX XXXX XXXX XXXX XXXX has violated my rights.