23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

On XX/XX/XXXX Chase Bank electronically withdrew {$320.00} from my bank account without my authorization. This has caused me much financial XXXX and XXXX. This was a payment they withdrew in error. I contacted them and they claimed no responsibility whatsoever and said I made the payment and there was nothing they could do. This erroneous theft has since caused me to be overdrawn in my checking account and I have had no access to any money for one week now. This sort of activity is unacceptable.
Product: Vehicle loan or lease

new auto loan with wells fargo was opened on XXXX and was paid in full on XX/XX/XXXX. Wellsfargo initially failed to issue a paid in full letter and when they did it had the incorrect date. Letter that wells fargo posted to the online account document section still shows XX/XX/XXXX. Wellsfargo acknowledges the error on their end but refuses to correct the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

My consumer statement is inaccurate. This section of my credit report should be blank because I have not provided the company with a statement. Somehow, the details of a former dispute, have been copy pasted into that section. I have asked Equifax over a period of several months to remove it and they just won't. The statement is inaccurate and I have disputed this item multiple times to no avail.
Product: Credit reporting or other personal consumer reports

I didn't authorize these hard inquiries that are on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

By law I'm entitled to a free credit report on XXXX, Transunion llc, is keeping my consumer credit report information hostage ; it's a unjust system. This is predatory and life-threatening, as it prevents me from verifying the accuracy of my consumer report. I was able to verify inaccurate information on my credit report, and I immediately began the process of contacting the Transunion, in order to have this issue resolved. The unfortunate reality is that I never received a response. I sent letters at least 5 times and had no response or interaction. I'm getting quite annoyed at this point because I'm still waiting for a response from transunion. I had contacted your firm previously. I'm a normal person who is also a consumer and a creditor. My consumer report contains an error, I have the legal authority to ask transunion which report my consumer reports under the FCRA. I called transunion over ten times in the last seven months, requesting an updated full summary of my credit history to ensure everything was reporting correctly. Despite multiple verification processes such as ( Name, DOB, SSN, address accounts that I have ) and the Rep even sending me a text massage codes to my phone number that I also verified, she still couldn't tell me why i wasnt able to view my full consumer report .... i've sent transunion my identification and proof of address along with a copy of my ssn via mail and fax, i never got a response back from they company...
Product: Credit reporting, credit repair services, or other personal consumer reports

Earlier this summer a collection appeared on my credit reports. The collection agency is XXXX XXXX XXXX for XXXX XXXX and it was for the amount of {$67.00}. I was never formally notified of the collection until it showed up over the summer. But in XX/XX/2019 I had filed for bankruptcy and that collection was not even listed. I called the collection company and notified them that I was not even told about the collection and that I had filed bankruptcy. They had noted their account and removed my name and information from their system. I filed a dispute with each credit reporting agency. XXXX and XXXX   quickly processed and completely removed the collection from my report. But Equifax will not remove it. I have filed several disputes with them explaining it was previous to bankruptcy and should not be showing up and also that the collection company has removed it. Equifax still shows the collection on my report and it shows as open. All they did was add a comment saying I disputed the collection due to a bankruptcy. I would really like my report to show correctly. I simply want it removed. Especially since the other two, XXXX and XXXX, have both already removed it. I have also tried calling and speaking directly with someone at Equifax but they continuously have told me that they cant verify my identity and so they are not able to assist me. It has been 3 months of this irritation and I just want it resolved. Equifax is by far the worst credit reporting company. Please help me. Thank you.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I signed an Agreement with the, Consumer Portfolio Services, in XXXX of XXXX the Balance was PAID IN FULL, I have been waiting for more than 60 Days for my Title to b sent to me. But while I am still waiting, I receive a statement informing me that Consumer Portfolio Services has purchased a FALSE ACCOUNT FROM XXXX  XXXX, this is a Account that was Paid in full and I CLOSED THIS ACCOUNT MORE THAN TWO MONTHS AGO!!! Now I have received a letter informing that Consumer Portfolio Services has purchased a ACCOUNT THAT HAS BEEN PAID FOR AND THEN CLOSED, this makes no sense to me, I AM STILL WAITING ON MY TITLE FOR THE XXXX XXXX XXXX XXXX # ( XXXX
Product: Credit card

I have been with chase southwest credit card over 5 years with only XXXX late payment reported. I recently XXXX XXXX XXXX and decided to do a payment plan with lower interest rate and all of a sudden they are telling me I requested a closed account which I did not. I only requested a payment plan to be on good terms with them considering the fact I been with them 5 years I like to keep my account open
Product: Credit reporting or other personal consumer reports

I filed multiple disputes with XXXX credit bureau to fix an incorrect Educational Loan balance with Multiple disputes. Despite providing updated account information from the loan company, each dispute is returned with no updated change on the report.
Product: Credit card or prepaid card

XX/XX/23 I called Bank of America ( BOA ) as I was trying to set up AutoPay on BOA 's website. It listed in the About Amounts that Fixed Amount could be used. As I clicked the drop down, the Fixed Amount option was not made available. They only gave two options in which BOA is determining the amount paid back. As I called in to better understand why the option is listed on the BOA website but is not made available. I was told it was taken away last year. I explained that the financial institution ( BOA ) does not have the ability to determine the amount paid back within an AutoPay system unless a lien is held against that consumer. The woman on the phone kept deliberately calling me the wrong name and telling me they no longer offer that option despite it being listed on BOA 's website and then hung up on me. Why does a financial Institution get to determine or limit my options as a consumer as to how much I want to pay back my credit card within an AutoPay system?
Product: Credit reporting or other personal consumer reports

I have sent documentation to Experian. as a victim of identity theft is required. Experian chose to run afoul of the Federal Fair Credit reporting Act ( FCRA ) by choosing to ignore consumer requests, Experian has not abided by Federal law which is required to do so. I continued to be harmed by Experian. I am unable to purchase a home because Experian chooses to make me a slave by imposing corporate COMPANY policy ON MY LIFE which is not FEDERAL LAW. THIS ISSUE HAS TO BE RESOLVED ONCE AN FOR ALL. CFPB YOUR HELP IS APPRECIATED
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved to obtain goods, services, or cash. Kindly take out the following items. 
XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am writing this complaint AGAIN because I need to dispute information that I feel is inaccurate, incomplete, untimely, or unverifiable. Please provide documents that show the following information is 100 % true, accurate, complete & verifiable. If youre unable to provide me with your methods of verification or verify the legitimacy of the information I need you to remove them from my file. Additionally, I am not liable for these accounts for they are littered with inaccuracies so please DELETE these damaging records immediately! 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I mailed a letter to Experian stating that they needed to block or delete fraudulent accounts from my credit file as per the law FCRA 605 ( B ). FCRA 605 ( B ) the states that credit bureaus must lock or delete said fraudulent accounts within four business days of receipt of a police report naming these accounts. 

Included on my letter mailed on XX/XX/XXXX, was a letter clearly stating identity theft, my information, specific names and account numbers as well as balances of fraudulent accounts. I also included a copy of my passport and Social Security card with Social Security number. In addition, I included my official XXXX XXXX police report from XX/XX/2022 ( incident # XXXX ) which clearly states the name of fraudulent accounts and balance, as well as all my details and all police details. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX are still fraudulently reporting on my credit reports. These items need to be deleted immediately, or I will pursue immediate legal action as I have evidence of this illegal violation. I also have a police report and other legal documents backing up my claim. 

This is illegal in a violation of the FCRA. FCRA 605 ( B ) clearly states : FCRA 605B ( 15 U.S.C. 1681c-2 ) : ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under ( Link : XXXX : XXXX ) I have done exactly as I was told and this is now a documented violation of the FCRA. Please block or delete this accounts from my credit report ( s ) immediately in compliance with the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I set up a consumer account at https : //my.equifax.com/membercenter/ # /login, then logged in. It worked fine for a few minutes, then balked, saying I must log in again. Trying to log in again, the website would not accept my credentials that I had recorded in a text document to make sure I knew exactly what they were. 

So, I went through the password reset procedure, which let me set a new password. Again, the website would not let me log in, saying the password was incorrect ( I'm copy-pasting it to make sure it's exactly correct, and testing the paste buffer in a text file to make sure ). 

I called Equifax 's customer service, whet through the many questions used to authenticate the caller, then described the situation to an agent ( " XXXX '' ). She manually triggered a password reset, which had the Equifax system sent me email with a link to set a new password. I followed that link and set a new password, which was then rejected by the website when I tried to log in with it. 

This process went on multiple times, until later in the day an Equifax customer service agent told me I must fax or mail in documents to prove my address ( driver 's license ) and Social Security number. How that would make a difference, I can't imagine -- such copies are easily faked via XXXX or other software. In any case, Equifax 's website software is severely flawed in this regard, their technical password reset solution doesn't work, and their customer service can't help. 

My main goal here is to control the account such that a criminal can't create or access the account masquerading as me. All I want is access to the account that I set up and logged into this morning. Equifax makes it extremely difficult and time-consuming to attempt to resolve the access issue, and provides no indication that they are capable of resolving it.
Product: Credit reporting or other personal consumer reports

I looked at my credit report and noticed incorrect inconsistent information. According to the law everything on my report has to be correct. I have that right. Please investigate my dispute.
Product: Payday loan, title loan, or personal loan

Around 4 years ago I received a loan from the cash store and requested a 50 % reduction in finance charges from a couple that had been sent to me via email. That coupon was never applied but the cash store has continuously attempted to collect the fees from me. Additionally, they have now reported this as of XXXX to the credit bureau. In XX/XX/XXXX I contacted the cash store and rescinded my authorization to debit my account because out of no where-the attempted to debit my account even after I was told that because of the coupon that the debt was settled- on the very day I contacted them they debited my account and acted as if they were not aware until after the debit. They also repeated contact my references even after and my references asked them to stop and let them know it was a debt by telling them that they were calling from the cash store. finally they would call me on Sunday afternoons between XXXX XXXX which I don't believe they should have been doing. I filed a complaint XXXX/XXXX and XX/XX/XXXX. Since then there have been random phone calls from the cash store, using unknown numbers to me. It is my understanding that there was a ruling against them for some of these reason and they were also supposed to remedy this for consumers affected. I was XXXX of the consumers affected and have received no remedy.
Product: Credit card

Credit Carma pre approved me for a credit card, so I applied. They even said, they would give me {$50.00} if not approved. 
I eas not approved, nor did they send me the {$50.00}. 
My credit suffered also. 
They said, my credit would not be effected. 
A company should not promise this, if they can not deliver a promise. 

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

This is the 3RD time I have sent a complaint about this fraudulent account from XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX. I have informed the 3rd Party collection and the credit bureaus that it has been reported to both XXXX Police and FTC. Now a 3rd time with the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries and or accounts on my credit profile I did not authorize
Product: Credit reporting or other personal consumer reports

I disputed an account with Transunion for XXXX XXXX XXXX and they failed to enter the notice of dispute within 30 days.
Product: Debt collection

To whom it may concern ; the above company thats listed ( NATIONAL CREDIT SYSTEM ) violated my consumer rights state section 15USC.1.69 this company made 4 FDCPA VIOLATIONS ; that I will and can take to STATE & FEDERAL court to file a lawsuit for breaking each violation!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, a collection company, re-aged an account and reported inaccurate and false information to XXXX and Experian credit bureaus which is damaging my credit. 

My research into the issue revealed that the original medical account with XXXX XXXX  was dated XX/XX/XXXX, almost a year earlier. XXXX apparently sold the debt to XXXX XXXX XXXX  during XXXX. 

XXXX XXXX XXXX  reported two different " Date Last Active '' dates, of XX/XX/XXXX to XXXX  and XX/XX/XXXX to Experian. The two year payment history for this account is blank. 

I do not have knowledge of this account and certainly never consented to or took part in any activity to result in re-aging or any activity to occur during the year XXXX.
Product: Debt collection

I was XXXX XXXX  XX/XX/XXXX to XX/XX/XXXX of the year XXXX This account is fraudulent I did not open it, it went into collections to XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My report is reflecting several negative accounts, including debt accounts as well as charged-off accounts. These accounts reflect, through an IRS tax transcript, being discharged with a 1099-C and are considered a certificate of indebtedness, which is considered income. Income can not be reported on my credit file, per the FCRA. The accounts in question are as follows :. ( XXXX XXXX XXXX acct # XXXX ) ( XXXXXXXX XXXX XXXX acct # XXXX ) ( XXXX XXXX XXXX XXXX acct # XXXX ) ( XXXXXXXX XXXX XXXX acct XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX XXXX acct XXXX XXXX XXXX
Product: Checking or savings account

Due to the ongoing problem with Wells Fargo they continue to reverse the credits. Cause me overdraft fees and Im on a fixed income. They just caused me to not make a car payment because the took XXXX and change from my account. Now I have been in the red since. No one listens and I get the phone hung up on me every time. This company abuses the rights of XXXX but yet they never seem to pay for what they do wrong. If I did this to someone I would be in jail.
Product: Credit reporting or other personal consumer reports

Transunion continues to report inaccurate information on my consumer report. There are several inaccuracies. 

My address and name is listed wrong on my report. It is causing me to be denied for credit.

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) 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. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My SSN was in the Equifax breech and XXXX XXXX Breech and my credit has Been ruined ever Since I always had good credit and now I cant even get a bank account or A XXXX pack of gum!!! Please help without credit in American you cant do XXXX buy a house Car nothing please help, Who do I ask for a CPN?
Product: Credit card or prepaid card

XX/XX/2020 received a Debit Visa Card in the name of XXXX XXXX that appears to be Ohio Unemployment Insurance Program. I do not live in Ohio and have not applied for Ohio unemployment. 

XX/XX/2020 Called Cardholder Service at XXXX and could never get through the holding cycle of the phone system. 

I do not want this card never requested this card and do not want it to affect by credit.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXXXXXX XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX, XXXXXXXX XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 
This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 
I demand the late payment reported in months that are reported late to be removed. 
They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 
15 USC 1666b ( 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. 
XXXXXXXX XXXX XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ) I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 
This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports