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

I am requesting again in regards to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these accounts and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or prepaid card

I received a " replacement '' Visa debit card in the mail, which looked like a real replacement card until I realized it had no bank info, the chip was just painted on, etc. I was supposed to call XXXX to activate the card, which I did not do. The envelope contained a " Checkwriting, ACH and Debit Card Services Agreement : Terms and Conditions '' printout, which cites " BNY Mellon '' as the overseeing company. The return address on the envelope is XXXX XXXX XXXX, XXXX, NE XXXX. ( My wife wrote " Visa debit card? '' on the envelope when she was sorting our mail. ) The " debit card '' is not plastic, it's just hard cardboard, but it's a good fake- if I hadn't been paying attention I could easily have been fooled.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  : This account was taken over by XXXX XXXX  XXXX They never gave me a reason why the account was taken over and closed. This company is not communicating with me about the account. I believe this was closed because of Identity theft. 

Macy's/CBNA account was closed for the same reason. 

XXXX XXXX XXXX account is not mine
Product: Credit reporting or other personal consumer reports

RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. 

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

School Closing Outstanding Loans was mailed discharge paper but was not granted removal from credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

Equifax 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 accounts unresolved. Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax, 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 Equifax has not removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. The accounts have been reported due to identity theft issue I'm experiencing which I've mailed numerous letters and phone calls. I am requesting immediate removal of the disputed accounts, as Equifax 's inaction violates federal law and my rights as a consumer. They have also violated Fcra 605b.
Product: Credit reporting

I am filing a complaint because Transunion has ignored my request to provide me with the documents that their company have on file that were used to dispute the account I disputed. being that this is gone pass the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( a ) of the FCRA, they are required to promptly delete all information that can not be verified, that I have disputed. Please resolve this manner as soon as possible Thank you
Product: Credit reporting or other personal consumer reports

Upon checking my credit report I saw inquiries I did not authorize and a collection that wasn't mine. The inquiries are the following : XXXX XXXX XXXX XXXX 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 Also ; XXXX XXXX XXXX, a debt collecting company, reported to my credit report. I informed them I did not owe them a debt and refused to pay them, that I never signed a contract with them, and citing15 USC 1c92c ( if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer ). Putting anything on my credit report is a form of communication and is a violation of the law. I sent Equifax a copy of the letter ( along with identity verification ), and cited 15 USC 1692c as well as 15 USC 1681 ( a ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. I also requested documentation from them to show they were allowed to work in the state of North Carolina since they are out of state. The violations on my credit report is from the following agency : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The said Chapter XXXX Bankruptcy was disputed several times for an Inaccurate case number, and I have filed a complaint against them recently, and they still have not done a valid investigation or deletion. I was told an item was removed from my Credit report on XX/XX/2021 by a TransUnion representative over the phone on a recorded line. Which happened to be the same day my dispute closed with the CFPB and they have done nothing but run me around in circles. I keep being told they Verified the Public record directly with the USBK Court XXXX Georgia and that ended up being not true. I have repeatedly asked for them to mail me proof and nothing. I will get the letter from the USBK Courthouse to show proof they did not verify this debt but if they were supposed to had deleted this account after the CFPB complaint then I want concrete proof of how they verified this debt mailed to me. Also TransUnion Representatives do nothing but read off a script, and tell me they can only go by what they see in their system, Not one time did they transfer me to anyone on their Investigative team so that I can directly verify how they did the investigation and at this point my rights under the FCRA has been violated several times and I DEMAND that Chapter XXXX Bankruptcy with inaccurate case number thats being reported be removed IMMEDIATELY! Or I would like to escalate the matter.
Product: Checking or savings account

CHASE bank is refusing to provide me with copies of my corporate checks for the years of XXXX and XXXX During this same time frame someone removed {$6900.00} from my CHASE personal account and CHASE has refused to provide me with the ID the person used to remove the funds, refused to provide me with a copy of the cashiers check the individual had the funds transferred to, refused to provide me with copy of the video footage of the date and time the incident happened so I may prosecute the individual.
Product: Credit card or prepaid card

On XX/XX/XXXX I paid the full balance off My XXXX XXXX account in the amount {$430.00} at the XXXX XXXX XXXX store located at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. I received a notification that my account was 30 days past due and now have a 30 day delinquency on my credit report, this has dropped my credit score by 64 points. I contacted XXXX XXXX XXXX XXXX on XX/XX/XXXX to have this corrected. I was told the {$430.00} payment I made was applied to the wrong account. I was advised it would be correct with 24-48 hours, it was n't.  After weeks I re-contacted XXXX XXXX XXXX XXXX on XX/XX/XXXX and I was told by a supervisor nothing was done to have this issue correct from the last time i called on XX/XX/XXXX the funds are still in the wrong account and the Credit reporting agency have not been notified to remove this 30 day delinquency and report the account with a XXXX ( XXXX ) balance and current. I am in the middle of buying a home and this is putting my home loan approval at risk.
Product: Money transfer, virtual currency, or money service

I open a Venmo account and used it, on XX/XX/year>, to make a transaction in the amount of {$10.00}. That transaction was made and everything was fine. The next day I received {$20.00} from the same company and tried to withdraw funds and my account was frozen. I received emails saying I was suspended for unusual activity, and to provide photos of State ID ( identification ). I provided the document they needed. The transaction was also made from a trusted phone, same WiFi I always use, and same business I made a transaction to the day prior. Im not able to withdraw, add, transfer any funds. Im also blocked from using debit card. I understand the account limitations if they suspect unusual activity, but its not unusual or suspicious. I need my money asap for emergency.
Product: Debt collection

Carter-Young Inc has filed collections against my credit report for a collection that the creditor has not provided proof that amount due of {$290.00} is actually valid. Carter-Young Inc did not do any due diligence to make sure the amount that creditor is trying to collect is valid or not. I have requested from the creditor to provide me proof of the charges since XX/XX/XXXX. The property manager of XXXX on XXXX said they would provide me pictures of the damages and never did. My daughter moved out of the apartment in XX/XX/XXXX and we did not get this bill until 2 months after her move out date. The renter is only allowed to dispute via email. XXXX on XXXX does not give you the option to dispute in person or by phone. 

Property manager stopped responding to my emails and also did not respond to my complaint with the XXXX. XXXX on XXXX did not even bother to respond to my dispute with XXXX to provide proof that the charge was valid. 

I spoke to supervisor XXXX XXXX with Carter-Young Inc today XXXX XX/XX/XXXX and gave her the background with XXXX on XXXX and how XXXX on XXXX provided no proof of the charges they are trying to collect. I am not sure how a debt collector can attempt to collect a debt when the debt collector does not even know if debt is legit or not. 

We have video of what apartment looked like when my daughter moved out in XX/XX/XXXX, but the creditor has not provided any evidence on why a full paint or shampoo was necessary. 

XXXX on XXXX also needs to explain why utility charges are being billed a year after being incurred. All I have asked is for XXXX on XXXX to validate the charges, but instead of validating the charges XXXX on XXXX has turned me and my daughter to a debt collector and debt collector did not even validate if the charges are valid and now I have taken a significant hit to my credit score. My XXXX Score dropped by XXXX points, XXXX dropped by XXXX points and XXXX dropped by XXXX points after the collection hit my credit report on XX/XX/XXXX. 

XXXX on XXXX may not charge the renter for normal wear and tear on the premises and may only charge for actual abnormal damage.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My account was targeted by the banks fraud department and closed, my savings balance was used to pay-back money that was being disputed on XXXX and my checking account. The bank is closing my accounts but I am not authorizing to withdraw the total sum towards the XXXX complaint. I bealive I am targeted and being scammed out of my savings in general thow I am not authorizing these attempts to return money to a scam complaints, I am complaining the same way with they want to scam me.
Product: Credit card

XX/XX/XXXX at XXXX I received three emails saying from Chime. Saying that I opened an account. I called Chime on XX/XX/21 to report fraud. The representative wanted to know my Social security number. I refused to give any personal information because I didnt feel comfortable. I asked to speak to a Supervisor, the representative said Chime does not have any management and that the only way to have the fraudulent account looked into and stopped is if I have them my social security number and to also email them with this information. I told them no. They hung up on me. On XX/XX/XXXX I received email saying that the XXXX XXXX is being shipped. I dont know what to do at this point. I did not apply for this account, calling Chime was not productive and they were fishing for more personal information.
Product: Credit reporting or other personal consumer reports

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section XXXX ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. Moreover, I was affected by the Equifax, XXXX, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Product: Debt collection

On XX/XX/2024, I was contacted by XXXX XXXX XXXX regarding an attempt to collect a debt allegedly owed to Discover Bank. I was served with a statement of claim by XXXX XXXX XXXX, presented as legal papers from a law firm and attorney, but they did not disclose that they were acting as debt collectors. This omission is misleading and violates the Fair Debt Collection Practices Act ( FDCPA ), which requires debt collectors to clearly identify themselves as such in all communications. 

On XX/XX/2024, I was contacted again by XXXX XXXX XXXX regarding a notice of intent to introduce business records. Once more, there was no mention that they were acting as debt collectors.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act.The list of accounts below 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 Equifax, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I looked over my XXXX, Equifax, XXXX XXXX XX/XX/XXXX and noticed some are incomplete and not accurate.And according to the Fair Credit Reporting Act whenever and consumer reporting agency prepares a it should follow reasonable procedures and provide maximum possible accuracy of the information concerning the individual about whom the the report relates according to 15 USC 1681 ( e ) ( b ) And according to 15 USC 1681i they are suppose to do this ( 5 ) Treatment of inaccurate or unidentifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information from the file of the consumer can not be verified, the reporting agency shall ( i ) promptly delete that item of information the the information has been modified or deleted from the file of the consumer. ( ii ) Promptly notify the furnisher of the that information that the information has been deleted from the file of the consumer. and according to 15 USC 1681s-2the are not supposed to furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.
Product: Student loan

Navient is calling my relatives and even my landlady and asking them to have me call them. I am applying for Income Driven Repayment plan and my only income is my Social Security retirement benefit monthly check. I am corresponding with them by email, which my " Navient email representative '' acknowledged was permitted in a email to me. However Navient insists I call them. I can not hear well on the phone, do not have a phone anymore, and live in a camper trailer in the XXXX mountains where there is little cell reception. I discontinued my cell plan a month ago. 
My landlady reported getting 2 calls a day over the past 3 days and my son is getting calls. My son asked them to stop calling him, but 2 days later he got another call. They are even calling my x-wife who has told them not to call her. 
I think this is simply a control issue with them. I am following their guidelines for applying for the Income Driven Repayment plan and I do get communications on my account portal about the status of this application, so that part is working. However they are harassing my family and anyone that might communicate with me. 
There must be a way to stop this abuse. I am contemplating paying a attorney the money I would pay them, just to have this abuse stopped.
Product: Mortgage

This complaint is not a duplicate. It is in reference to a previous complaint against Gateway Mortgage ( XXXX ). XXXX XXXX ' letter contained false and misleading statements and the case was closed based off of his letter. I am attaching my written complaint along with physical evidence.
Product: Credit card

I had issues with an XXXX XXXX flight in XXXX of XXXX for a flight that was purchased on XX/XX/XXXX using my Discover Card. Since XXXX XXXX has been giving me continued issues and unwilling to resolve the issue, I reached out to Discover. Discover initiated a dispute dated XX/XX/XXXX. Discover closed the dispute on XX/XX/XXXX. When I reached out to Discover, they stated that there was not enough documentation for the dispute. After following the instructions of the customer service rep, I uploaded the recommended additional documentation. However, Discover never re-opened the case. Discover continues as of XX/XX/XXXX to refuse to put any type of dispute through as they claim that a ticket was issued. Based on the recent conversation, regardless of the quality of a product or the fact that the product did not match what was stated at purchase, Discover will side with the merchant. 
Attachments include items sent to Discover which are original itinerary for XXXX XXXX & additional notes & change itinerary getting me home 2 days later
Product: Payday loan, title loan, or personal loan

I took out this loan in XX/XX/XXXX. I made my first payment in XXXX for XXXX. My payments are not being applied to my monthly payments correctly. Every month I have to call to have it corrected. They said I'm paying too early and that I have to wait til my payment date. I explained I am paying the month prior to keep my household bills separate from this loan. I am due for XX/XX/XXXX and I log in and now my payment history says posted and then failed and my account is showing due for XX/XX/XXXX which is still not correct. I feel like I'm doing everything on my end to be a responsible party and this company is doing some shady stuff with my account that is going to cause issues down the line with my account or credit. I've contacted them 3 times about the same issue and it seems it doesn't matter when I make the payment it's always something.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a loan with Ally Financial the last four digits of the loan account were XXXX. 

In review of my XXXX Credit report I am seeing that Ally has only made minimal entries that the Credit Bureau sees.

1. - Only three entries for the Balance of the loan 2. Only two entries showing the scheduled payment amount 3. Only one entry showing an actual payment of {$520.00}. 

I would like these entries to be corrected and complete for the time I had the loan with Ally until I paid it off.