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

Back in XXXX I wrote a good will letter to you all ( XXXX XXXX ) for the account ending in XXXX. When I first got the card back in XXXX, I didn't fully understand how credit card works outside of being educated about trying to keep it under XXXX percent. With that being said in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I experienced a financial hardship, and I didn't understand the importance of making my payments. After being properly educated I have not missed any payments and I asked for you all to have mercy on me and removed the late payments. Being that the cost of living has increased so has the requirements. The late payments that I made several years ago are affecting me being able to rent today. I was advised they would be removed but do not see the changes that were supposed to be made on the credit report.
Product: Checking or savings account

The credit union has frozen my checking and credit card accounts, and told me an investigator will be calling me eventually. They have provided no time table, and in the mean time my account is locked for withdrawing funds. I have already incurred a {$25.00} fee for a returned payment ; there was plenty of money in the checking account to cover the payment, but they are not letting any withdrawals occur.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is our contention the big 3 credit reporting agencies EXPERIAN, XXXX and XXXX are knowingly or unknowingly complicit in credit defamation against me by publishing inaccurate / invalid information on my credit report. EXPERIAN especially has been instrumental by consistently publishing inaccurate / invalid information on my credit report provided by XXXX XXXX XXXX XXXX ( XXXX ) since we closed both accounts XX/XX/XXXX. Moreover we included XXXX accounts in bankruptcy, of which XXXX did not file a claim. As such we contend that since XX/XX/XXXX each credit reporting agency EXP, XXXX XXXX XXXX have defamed our name reporting invalid /inaccurate data for which they can not prove in a court of law as factual or true. These agencies " merely " " verify '' accounts through the furnisher. Under the law, EXP, XXXX and XXXX are required to " validate '' the accounts furnished by TFCU or delete them from my credit report. 

I have reached out to each credit reporter over the last several months, EXPERIAN claims the accounts are true, which we find hard to fathom as fact, given the fact that the furnisher XXXX has yet to provide us true/ accurate / court admissible evidence per the FDCPA some 6 months after our written request made to XXXX XX/XX/XXXX. ( attached ) As such we contend these credit reporters are in violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had previously submitted a complaint against Transunion regarding some unauthorized inquiries that I had been disputing back and forth with their company. Transunion is still reporting unauthorized inquiries and refuse to help me correct the issue. This has been an ongoing issue since for several months. I have had a fraud alert on my credit report to help monitor it. The following unauthorized inquiries being reported are : XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX and XXXX XXXX only have XXXX inquiries that should be reporting on my Transunion. By continuing to report these unauthorized inquiries Transunion is violating the FCRA. As a consumer I am aware of my rights according to the FCRA. The only outcome is for Transunion to immediately remove these unauthorized inquiries and send me an updated copy of my credit report. I also must add that these credit reporting agencies should do more to help the consumers. Also, I WILL NOT ACCEPT ANY OTHER REPSONSE OTHER THAN A DELETION OF THESE UNAUTHORIZED INQUIRIES. I DEMAND THAT TRANSUNION NOT BE ALLOWED TO MOCK THE CFPB 'S AUTHORITY AND VICTIMIZE ME BY IGNORING MY RIGHTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax XXXX  XXXX  taking more than 30 days sent affidavit and now ftc this should satisfy my claim dept of ed XXXX  XXXX XXXX XXXX XXXX Louisiana dept XXXX  put on twice all violations of my rights
Product: Credit card or prepaid card

I received an email from Chime stating that I received a card and I never did and when I reached out to them they refused to help me.
Product: Credit reporting or other personal consumer reports

Account Number : XXXX XXXX I am writing to formally dispute inaccuracies in the information reported on my credit file for the above-referenced account. Upon reviewing the details provided by your bureau and comparing them to other credit reporting agencies, I have identified several inconsistencies and concerns that require immediate investigation and correction. 

Account Details : The account is inconsistently listed as " Revolving Account '' by XXXX and " Charge Card '' by Experian. Please verify and confirm the correct account type. 
The payment status is reported as " Charged off as bad debt '' by XXXX and as " Charge-off '' by Experian. These discrepancies need reconciliation. 
Credit Limit and Balance : Both XXXX and Experian report a credit limit of {$1800.00}, which is accurate. However, Experian does not list the high credit amount ( {$2200.00} ) reported by XXXX. Please confirm the accurate high credit amount and update accordingly. 
Comments : XXXX includes the comment " Purchased by another lender, '' whereas Experian provides no such detail. Please confirm and include this information if applicable. 
Last Reported and Date Last Active : XXXX reports " Last Reported '' as XX/XX/year> and " Date Last Active '' as XX/XX/year>, while Experian lists " Date Last Active '' as XX/XX/year>. These discrepancies should be investigated and corrected to ensure accuracy. 
Additional Concerns Regarding Experian 's Investigations : Given the ongoing legal scrutiny concerning Experian 's inadequate dispute investigation practices, I strongly urge your bureau to ensure this investigation is conducted with the utmost diligence. Accuracy and compliance with the Fair Credit Reporting Act ( FCRA ) are paramount in this matter. 

Requested Actions : Investigate the discrepancies noted above by contacting the original creditor or any applicable third parties. 
Correct the inaccuracies and ensure the account details are consistent across all bureaus. 
Provide me with a detailed summary of your investigation process, including the evidence used to verify the reported information. 
Under the FCRA, you are required to ensure that all information on my credit report is accurate, complete, and verifiable. Please address this dispute within the legally required timeframe of 30 days and provide a resolution promptly. 

If you require any further information to process this dispute, please contact me at [ your contact information ]. 

Thank you for your prompt attention to this matter.
Product: Student loan

My loans were put into an administrative forbearance. I called on XX/XX/year>. I requested that an end to the forbearance so that I could keep making progress on my PSLF payments. I also requested ( for a second time ) a complete payment history since one of my payments was never applied to my balance. I was also assured that the interest was not accruing on my loans. 

XX/XX/year> - My loans are still in forbearance. My account summary says the interest is accruing at 0 %, but I received a letter stating that I owe {$1700.00} in accrued interest ( amount spread over XXXX loans ). The document also notes that each loan is at 0 % interest., so I don't understand how my loans are accruing interest if they are at 0 %. 

So my issue is that I've repeatedly asked for my loans to come out of forbearance. They have not. I've repeatedly asked for a complete payment history. I have never received one. I have repeatedly asked for and explanation of how my loans are accruing interest while simultaneously being set at 0 % interest. I still don't have an answer. 

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

Ive been trying to get my late payments removed from my XXXX, XXXX, XXXX and XXXX XXXX XXXX  cards for months. I keep getting the run around and my score keeps suffering from this misuse. Its getting bad to the point that this is impacting my JOB ; my employment status. Guess what, no job, no one gets money because I would have to file bankruptcy.

15 U.S. Code 1666b - Timing of payments ( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an 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.
Product: Credit reporting or other personal consumer reports

In accordance with the far credit act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Acct Name : XXXX XXXX XXXX Acct # XXXX, Acct Name : XXXX XXXX XXXX XXXX Acct # XXXX, Acct Name : XXXX Acct # : XXXX, Acct Name : XXXX Acct # XXXX, Acct Name : XXXX Acct # XXXX Acct Name : XXXX Acct # : XXXX Acct Name : XXXX Acct # XXXX Acct Name : XXXX Acct # : XXXX Acct Nmae : XXXX Acct # XXXX Acct Name XXXX Acct # XXXX Acct Name : XXXX XXXX  Acct # XXXX Acct Name : XXXX XXXX  Acct # XXXX Acct Name : XXXX XXXX  Acct # XXXX Acct Name : XXXX  XXXX Acct # XXXX Acct Name : XXXX  XXXX Acct # XXXX Acct Name : XXXX  XXXX Acct # XXXX Acct Name XXXX XXXX XXXX Acct XXXX XXXX Acct Name : XXXXXXXX XXXX XXXXXXXX Acct # XXXX Acct Name : XXXXXXXX XXXX XXXXXXXX Acct # XXXX Acct Name : XXXX  Acct # XXXX Acct Name : XXXX  Acct # XXXX Acct Name : XXXX XXXX Acct # XXXX 15 U.S.C 1681 section 602 A states that I have the right to privacy. 

15 U.S.C 1681 section 604A section 2 : 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 take any report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crime with 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 or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and to request the blocking and deletion of the following fraudulent accounts and inquiries from my credit report, pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ).

Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$180.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$100.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$450.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$330.00} Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I have closed All accounts with XXXX They informed me everything was paid in full. I have no open balance I do not understand where this charge is coming from. It is showing as a collection due on my account and this is false
Product: Debt collection

I am a long-term victim of identity theft and have alerted all relevant agencies. I am currently working with the Social Security Administration and other government entities to resolve the issue. Recently, I received a call from a collection agency claiming I owe {$7400.00} on a Chase credit card ending in XXXX. I informed them that this was incorrect, as I have never opened a Chase account. Furthermore, Chase previously informed me that opening an account would require in-person verification. The collection agent proceeded to verify my personal information, including my address, phone number, email, and Social Security number. Upon confirming that none of this information matched their records, I was transferred to Chase. However, instead of addressing the issue, the Chase representative repeatedly questioned me about an old card ending in XXXX, which was not the reason for my call. The representative eventually confirmed that there was no account under my name or Social Security number with a card ending in XXXX. Months later, I received another call from a different collection agency regarding the same alleged debt. I reiterated the information provided to the previous agency, and they again confirmed that none of the details on file matched mine. I requested all relevant information to document the incident and pursue the individual I believe is using my identity. The collection agency advised me to contact Chase again. When I was transferred, the agent, XXXX, confirmed that there was no account under my information. Chase provided no further assistance, implying simply, " It's your name, so you owe the debt. '' While I have several suspects in mind since it was XXXX of my old addresses, Chase refused to provide me further information about the account such as the social security number used, phone number used, email address, address used to open the account, or any other information that can aid me in my investigation. Both collection agencies on recording has confirmed that none of my factual information match what Chase gave them. Despite my repeated notifications that I did not open a new Chase account, this erroneous debt has now been reported on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I ask that the items be deleted to correct my credit report.
Product: Credit card

Unable to request information, according to the representative, the representative does not have the information as to why my account was closed and hence a manager will have to contact me. I was told on XX/XX/XXXX  that a manager will reach out to me on XXXXXXXX.No call back received as of XX/XX/. I called Citizens Business Card Services again today and I am getting the same response-manager will call back. 
The card and my credit have been in good standing since it was opened with all balances paid on time.Citizens Business Card services has made no attempt to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account and Account # 's DEPT OF ED / XXXX, ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX  ACCT # XXXX XXXX XXXX XXXX  ACCT # XXXX XXXX  ACCT XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX  ACCT # XXXX XXXX ACCT # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX  Subject : Dispute Regarding Inaccurate Late Payment on Credit Report Dear CFPB, I am submitting this complaint regarding an inaccurate late payment that is reported on my credit file maintained by Experian. I believe this late payment is erroneous and does not accurately reflect my payment history. 
Nature of the Complaint : Inaccurate Reporting : The late payment listed for XX/XX/XXXX on my credit report is inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of this late payment violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as it misrepresents my creditworthiness.

Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

Truth in Lending Act ( TILA ) : The reporting practices also violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Account Details : Creditor Name : XXXX  XXXX Account Number : XXXX High Balance : {$1300.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$22.00} Account Status : Closed Payment Status : Current Two-Year Payment History : Reports a 30-day late payment for XX/XX/XXXX, which is inaccurate. 
Requested Resolution : I request that Experian conduct a thorough investigation into this matter and remove the inaccurate late payment from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments.

I expect to receive written documentation confirming the removal of this entry within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit card

On XX/XX/2023, I noticed an authorization on my credit card account for an entity called A Taste of XXXX XXXX in the amount of {$4800.00}. I immediately contacted U.S. Bank, the card issuer, to notify them that no charge was authorized before it even posted as a transaction. A fraud case was opened and a credit was applied. I had recently ordered a card for an authorized user which was never received. I assumed the card was stolen from the mail which was the only possible explanation because I am in XXXX and the other user is in Nevada making it impossible for a card in our possession to be swiped as the bank claims occurred. On or about XX/XX/2023, I received a letter in the mail requesting additional information to be returned by XX/XX/2023. Form copy uploaded. My staff tried over XXXX times to fax it to their number that constantly rang busy and unable to fax the document per their request. Recognizing the deadline was the next day, we were left with no choice but to send the document via overnight mail, tracking information will be uploaded. Much to my surprise, a new statement dropped today and this charge was re-posted. Upon calling the bank, they stated I said the card was in our possession which is a fabrication.Additionally, the authorized users do not have access to my house or the mail which is a locked box making it impossible for any authorized user to have physical possession of a card. I am uploading a screenshot of my flight to XXXX where I departed the US on XX/XX/2023 which is a week before this fraudulent transaction occurred. The only person who has access to the mail or house is my XXXX XXXX XXXX mother who is a XXXX XXXX XXXX This transaction is marked XXXX XXXX and we live in XXXX XXXX. There is no reasonable or possible explanation other than the card was stolen in the mail process and fraudulently used by someone else. I contacted the bank and they said they would have someone contact me for which I explained it must be during their night because I am in XXXX which is XXXX hours ahead of EST. I will not return to the US until XX/XX/2023. I have closed the account because I am not willing to do business with a bank that doesn't take the legal responsibilities seriously.
Product: Credit card or prepaid card

Chase Card Services refuses to refund or investigate fraudulent charges made by XXXX XXXX in the amount of {$2400.00}. XXXX XXXX charged my credit card {$2400.00} for work which was covered and paid by my insurance carrier. I never received a bill. I made an agreement to pay only if services were not covered. The XXXX  office has frequently charged both myself and the insurance company, and refuses to return my funds. I signed an authorization form on XX/XX/XXXX indicating I would be responsible for any services that were not covered by my insurance carrier. 

I have reached out to Chase card services on several occasions to dispute this item. The very fist time was approximately XX/XX/XXXX, I was told there was no wrong doing found, and the case was closed. I called back in approximately late XXXX, early XXXX, to reopen the case. I was told to visit a branch to have the supporting documentation faxed over because Chase was having issues with their online document portal. I did as requested, and went to the branch. The {$2400.00} charge has not been removed. I spoke to a representative on XX/XX/XXXX. I was informed too much time had passed, and there was nothing that could be done. 

I have been attempting to work with the merchant to resolve this issue. Whenever I call clinic, the receptionist tells me the manager must fix the issue. However, the manager is never available. She is either always out of the office, or she is in a meeting. There is never anyone else to speak to.
Product: Checking or savings account

Greetings Sir/Madam, I am writing to obtain assistance from the CFPB to recover the absorbent amount of fees charged to my account. As of today, XXXX XX/XX/2022, I have been charged in excess of 9 overdraft fees at {$36.00} each. I have a checking account with Truist Bank ( formally BB & T ), and this institution previously announced that they'd eliminated overdraft fees. To add, the Truist website clearly advertises that there are " {$0.00} overdraft fees '' ( see the attached ). This is heavily promoted in their marketing for checking accounts for all customers ( past & present ). As a consumer, it is incredibly confusing to be charged fees when the commercial messaging states that fees have been eradicated. So, there is a misleading narrative that must be challenged. When I tried to get this remedied, I was given excuses which presents a support failure. Currently, I am in the process of XXXX overseas and I have been preparing for my departure. To help with keep costs low & reducing my financial burden, I would like to be refunded for those fees as I can not afford to absorb the totality of the fees. Please advise if there are questions. I can be reached via email at XXXX or via telephone at ( XXXX ) XXXX. Thank you, XXXX XXXX
Product: Bank account or service

I have a bank account with pnc bank. I had a over draft of XXXX dollars. they charged me XXXX over draft fee. then a administration fee and XXXX dollars every week over drawn reacurring fee.