23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My bbva account hasnt worked since Thursday XX/XX/XXXX. Ive had no access to cash or online transactions. The only advice I got was go to pnc atm or pnc bank. I drive half an hour to pnc on Saturday and the atm didnt work either. I work banking hours so XXXX cant get to the bank. The customer service rep was rude and hung up on me. None of it is working yet. I dont have gas money for work or anything. Ive acquired late fees too
Product: Credit reporting or other personal consumer reports

I am not linked to these creditors, and the inquiries were not authorized by me.
Product: Vehicle loan or lease

I contacted Flagship Credit Acceptance on XXXX, XXXX XXXX and put in a request to voluntary Surrender my XXXX XXXX XXXX. After, speaking to the Flagship representative I was told a supervisor would give me a call back within 72 hours. I waited until Friday XXXX, XXXX XXXX and spoke to a male representative and explained my situation. I was then placed on hold and was told the representative I spoke with on the XXXX of XXXX took down the information incorrectly and he would update my information and a supervisor would call me back within 48hours and/or Monday. I waited until Tuesday, XX/XX/XXXX and spoke XXXX, another representative who placed me on hold twice while she spoke to the supervisor. XXXX, then stated that a supervisor will give me a call back, and she do apologies for the lack of communication. I stated to XXXX just as I did with the other callers that I'm turning in the plates and I reside in a Apartment Complex and do not have the space to put the vehicle once the plates is removed. XXXX the representative from Flagship stated the she would document everything XXXX telling her for a supervisor to give me a call back. Today is XX/XX/XXXX, I called Flagship and spoke to XXXX another Flagship representative at XXXX and requested to speak to a supervisor after once again explaining my issue since XX/XX/XXXX as usual I was placed on hold. A supervisor by the name of XXXX XXXX came on the phone at XXXX and ask me if I can sell the vehicle or would I like to have the payments lowered because I'm currently 9 days past due. I told him no, no one wants to buy it due to the interest rate and I've been dealing with this since XX/XX/XXXX. Mr. XXXX then stated he would mail the Voluntary Surrender Waiver forms out to my phsyical address.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX XXXX XXXX, am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) against Experian Credit Bureau due to their repeated violations of the Fair Credit Reporting Act ( FCRA ) in relation to their failure to delete fraudulent accounts and inaccurate personal information on my credit report, as well as their disregard for identity theft protections and response requirements.

Despite two formal communications dated XX/XX/year>, and XX/XX/year>, Experian has not complied with the law by failing to remove fraudulent accounts, incorrect addresses, and name variations from my credit report. I am the direct, sole correspondent regarding these disputes ; no third party represents me in this matter.

Applicable FCRA Sections Violated : FCRA Section 605C ( 15 U.S.C. 1681c-2 ( a ) ) Mandates that fraudulent information resulting from identity theft be blocked and deleted within four ( 4 ) business days of receipt of proper documentation. Experian has exceeded this statutory timeframe, leaving fraudulent accounts active despite my repeated requests and all required documentation.

FCRA Section 611 ( 15 U.S.C. 1681i ) Requires that consumer reporting agencies conduct a reasonable investigation and notify the consumer of the results within 30 days. Although Experian claims to have approved deletions as of XXXX XXXX XXXX, the fraudulent items remain on my report, indicating a failure to complete this process within the timeframe.

FCRA Section 604 ( 15 U.S.C. 1681b ) Limits the furnishing of consumer reports to entities with explicit consumer authorization. I have never authorized any of the listed fraudulent accounts, and Experians reporting of unauthorized accounts violates this section.

18 U.S.C. 1028A Provides federal protections against identity theft. Experians failure to remove the fraudulent

accounts after being notified of identity theft disregards these protections and perpetuates harm to my identity and financial reputation.

Details of Non-Compliance : On XX/XX/year>, I spoke with an Experian representative who confirmed that my dispute had been approved and that deletions were forthcoming. However, despite this acknowledgment, all disputed items remain on my credit report, which is a serious breach of my consumer rights under the FCRA.
Product: Debt collection

MEDICAL DELINQUENCY MANAGEMENT, INC. sent a letter ( attached ) for debt collection. 
- Need to verify Debt - Need to verify legitimacy of Debt collection agency - Agency has no working office phone number - Agency has no contact email - Agency is registered to a home address - Possible Fraud - No way to contact the agency other than P. O. XXXX XXXX : {$110.00} Account : XXXX XXXX  Date : XX/XX/2023
Product: Checking or savings account

On XX/XX/2022, I tried to link Chase to my XXXX account. There were two small balance deposits from Chase into XXXX, and I verified those with Chase. 

Then I scheduled a {$1600.00} transfer for an approximate immediate time. I can not log in to Chase to see when exactly the transfer was scheduled. 

The transfer has failed, and I have not been notified. I would not have known had I not tried to log into my Chase account on XX/XX/XXXX and found my account locked. 

Calling the Chase fraud department has been useless ; they are unable to explain why my account was locked and why no steps were taken to resolve this. 

They claim they notified me, but won't say how that happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my Experian credit report, I have a paid charge off. The first negative reporting on this debt dates back to XX/XX/XXXX. According to the Fair Credit Reporting Act, negative reportings can only report for a maximum of 7 years. These debts should have been automatically removed XX/XX/XXXX. 

XXXX certified mail, on XX/XX/XXXX, I opened a dispute with Experian to request the removal of this debt. 30 days have passed and there is no response received from Experian.
Product: Checking or savings account

I have told since XXXXXXXX XXXX My savings account At Citi Bank will be closed with-in 60 days there was an block so I was told over and over go to the branch so we can verify the account in order to with draw the money so since XX/XX/2022 until XXXX I have tried they have been telling me your account will be closed we will send you check so I gave up waited give them an chance to do that and recently called To CITI back Customer service found out nobody closed my savings account so is still open No body cant help the branch cant do anything nor the customer service when i call so i would like the account be closed and my money amount of {$280.00} plus interest because for waiting from XX/XX/2022 until now thank you
Product: Checking or savings account

Chase have closed my checking account. I have a balance of over {$9000.00}. and despite the fact that Chase have closed my checking account they have refused to send a check for the cleared available balance in the account and have been giving me the run around
Product: Credit card or prepaid card

This is in regards to XXXX XXXX XXXX XXXX card. In the month of XXXX I was going to receive Refund from California for {$700.00} for having a making less that {$140.00} XXXX XXXX. After waiting for my depit card for three months, I kept calling IRS I kept calling Money Network they kept telling me to wait for my card I will receive it. I called back in XXXX asking for my card again they stated that my card has been activated and used at different ATM machines. They said they will open a claim I will receive a new card and after 90 days of investigation I will get my money back on my account. Yesterday when I called they said they can not refund me my money because my card was used and someone used my pin. I tried to explain to them that my card was hacked and used before I even received it. I had nothing to do with it. I am asking for them to please refund my money. I work for XXXX I am a XXXX I make very little money I was waiting for this money to pay my bills that I have not been able to do so. I am not sure why they never closed my card when I was calling and asking them to stop the card and issue me another card. Why they waited so long for someone to use my card take all the money out then they sent me a new card with {$0.00} balance.
Product: Credit reporting or other personal consumer reports

I found an incorrect account on my credit report that isnt associated with me. This could be a sign of identity theft or fraud, and Im anxious about the damage this could do to my credit.
Product: Credit card

I have a Macy 's American Express credit card that has never been activated as the sticker is still on the card. My wife was shopping early this year at Macy 's and the clerk was able to charge a {$13.00} dollar dress on that card by using my ssn. In XXXX, I noticed my XXXX score dropped from XXXX to XXXX from another credit card company which shows my score online and tells me the reasons of dropping was due to a serious delinquent account. I requested a credit report immediately and found the Macy 's card was delinquent with over {$70.00} unpaid balance. I called the Macy 's credit department and found my account was enrolled in a paperless statement program which I did not authorized. I explained that I never received any statements and communication about my pass due status and as a result of not having any notifications the initial {$13.00} became {$70.00} due to XXXX late fees and finance charges. The staff on the call was nice and explained the there was a system upgrade and that may have resulted not sending appropriate statements or notices and he waived all late fees. I then paid {$13.00} plus {$4.00} finance charge right way. I told him my score situation and he agreed to check and remove it. As months passed by, I still did not see my delinquent status removed from the credit bureau. I called later and was told it would be taken care of. It never happened. I just checked today and there was no removal of that serious delinquent status from the credit bureau. The card was never activated and a charge was put on by a store clerk. There was not statements sent afterwards and I was put into the paperless program without my consent. My credit score should not be negatively impacted by the errors I did not make. The {$13.00} dollar dress now has caused my score decline from excellent status XXXX XXXX XXXX to fair status ( XXXX ). I was trying to refinance my mortgage and could not get a good rate because of errors made by Macy 's. I request Macy 's to remove the negative info from all reporting credit bureaus and restore my credit rating.
Product: Checking or savings account

I applied for the sba loan is was approved for the amount of XXXX. Setup my account for direct deposit. After I set up my direct deposit with the bank I have which was XXXX XXXX at the time. I received an email from my loan office that I could not use that account because they are having to many problems with fraud. So I open an account with td bank. My loan was deposit on XX/XX/2020. I had access to my money that morning. At XXXX XXXX  that day I went to an atm to withdraw cash to pay for thing that I need for my business the card declined and it said stolen on the Atm. That morning I withdrew XXXX. At td bank. So I call the 1800 number on the back of the card to speak with customer service I was advice I had to go to. Local branch with my Id and my paperwork for the loan. By the time I was able to talk to someone it was after XXXX so I went to the local branch on the next business day XX/XX/2020. I was told by the teller that the paperwork work that I had I couldnt which was my loan paperwork my ein number and my Florida Id and accountant information. She told my that I was not going to be able to get no money out of that account and I still will be responsible for that loan. If I responsible for that loan I need my money Im contacting my lawyer ASAP How can your complaint be satisfactorily addressed? 
Not satisfied
Product: Money transfer, virtual currency, or money service

They didnt have no live customer service to solve my problem so I never got my money back on several occasions
Product: Mortgage

My home loan was transferred from XXXX XXXX XXXX to Carrington mortgage at the XX/XX/XXXX/XX/XX/XXXX. We were told we had a grace period to start paying on the loan with the new company. But thought better and made our payments on time. Never missing a payment. But Carrington started sending us threating statements about us being behind. They never got back with us when we sent in information that we were current on our mortgage. I went from having EXCELLENT credit to fair credit in months and it's not changing. Our mortgage gets paid every month on time. But when I just checked my credit report Carrington has us behind 30-59 days for the last 7 months!! We need help dealing with this company. I take pride in paying all our bills on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've reached out to XXXX XXXX on two separate occasions requesting lawful information under the Fair Credit Billing act. All letters were sent via priority mail with tracking. All requests were received by XXXX 'S Credit Dept, yet ignored. These are clear violations of the Fair Credit Billing Act. The interesting part is that I've disputed this account with all three credit bureaus on multiple occasions and the bureaus " claim '' that XXXX XXXX responds to them and verifies the account. It's become very clear that the information I'm requesting no longer exist with XXXX XXXX. 

After sending letters to the original creditor and not getting a response I decided to dispute it with Transunion, XXXX  and XXXX. I've even sent them a copy of the letters sent to XXXX XXXX and asked them to remove the data but they have also ignored my request. The bureaus can clearly see that I've put forth effort to reach the original creditor for verification/documentation but they decide to leave it on my credit file. The bureaus are violating the FCRA by allowing this data unverified data to be reported. 

I've attached all correspondence sent to XXXX XXXX, including my most recent letter dated XX/XX/2019 which is being mailed out today. Delivery confirmation of previous letters is also attached.
Product: Credit card or prepaid card

Purchased Spring Training Tickets for XXXX XXXX at New York XXXX at XXXX XXXX Sun. XX/XX/2020 XXXX XXXX  ) XXXX XXXX Order # XXXX The EVENT was CANCELLED due to COVID-19. XXXX XXXX has a Refund Policy on Canceled events that 100 % would be refunded back to the original card. XXXX XXXX has not Refunded my Money. When I called them ... They said for ME to work with my BANK ( Discover ) as I disputed the charge with them since NO REFUND was delivered in the time allotted. Discover claims they need more information. I have been disconnect several times from Discover support personal and I can not be transfered back to the person helping me. I have told my story to countless support people and NO ONE WANTS TO HELP ME. I have provided MORE THEN ENOUGH PROOF. I want my {$420.00} back as services were not rendered as the EVENT was CANCELLED.
Product: Mortgage

I am concerned about the quality and compliance control system in Community Loan Servicing. My loan was sold to Community Loan in XXXX. In XX/XX/XXXX I received a notice of cancellation from my insurance company. I called Community and, after a long talk, was told that they will take care of it. That it was an error. I followed up with an email and supporting documents. I never heard back. 

On XXXX XXXX I again received a notice of cancellation. I called and after a time found this : - The loan should have had the insurance escrow transferred but didn't. 
- After my first call the team I had spoken to sent a memo asking to have my bill paid. They were told not to pay it as the escrow was not supposed to be transferred. This decision was not told to me. 
- When I called on XXXX XXXX I was told initially that the loan didn't include insurance escrow but after pushing found out that it should have been paid. 
- I have again been told that the bill would be paid. 

I am concerned about the competence of this organization. Were this my taxes I could have lost my house. I am shocked at the sloppy work and hope it wasn't deliberate.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and deleted for erroneous reporting in my file are listed on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In relation to my previous complaints from earlier this month, Equifax Credit reporting bureau has given me an explanation claiming that they did an investigation internally as well as reporting that there was NO CREDIT FREEZE on my credit report. Upon review my credit, yet again, the statement as well as the placement of items disputed were still under the provisions of my credit report and the items that can not be identified. According to an updated screenshot on my XXXX, there is STILL a freeze that I reported from XXXX/2023 from a previous dispute and identity theft request made around that period. Due to the nature of the information that wasnt provided and the proof from the claim when I checked my credit reporting via the XXXX Portal ( which is indeed a validated and official record of credit reporting supported by their credit reporting agency and does reporting on behalf of Equifax and XXXX ) there have been no updates and the statement is still recorded on my credit report. Because they failed to provide notice, documentation, and validation of all my inquiries, they violated my rights again and have failed to provide information as I have requested. I am still undergoing legality issues in regards to my credit report and identify from XXXX/2023 and the fact that there is no documentation to support their hearsay and what their investigation is proclaiming and none of which was provided to me is violation of my FCRA rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to report a fraudulent account as a collection on my credit report. My credit report shows a collection from XXXX that shows a balance owed which is incorrect. I disputed this directly with Experian and it took them only 7 days to report back to me that the account details were accurate. This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, my credit report showed I had a late payment for my best buy account, which hurt my credit. I called customer support to dispute this error on my credit report. Customer support mentioned they would correct the reporting due to the COVID 19 pandemic. They would waive the late payment. On XX/XX/2020, the late payment remark was removed from my report and corrected, showing 100 percent on-time payments. On XX/XX/2020, my credit report showed a late payment remark on my account for BestBuy. My credit report dropped 38 points, displaying I delivered 82 percent payments on time. I called customer service to dispute the error. Customer support mentioned they would correct this error and add notes to my account to have it reversed for the second time on my credit report. On XX/XX/2020, my credit report showed the correction to my best buy account, delivering 100 percent payments on-time and a balance decrease. My credit score increased by 40 percent on XX/XX/2020. On XX/XX/2020, my credit report for the third time displayed a late payment on my best buy account and an increase in balance by {$1900.00}. My credit score dropped 84 points because of this error in reporting on XX/XX/2020. I have not purchased anything from BestBuy using my credit card during XXXX, XXXX, XXXX, or XX/XX/2020. I made a {$2000.00} payment on XX/XX/2020, which should have balanced at {$38.00}. I called customer support about this issue, but I am tired of hearing the same thing and dealing with this nonsense.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called Equifax over the course of the last 3 to 4 months about inquiries listed on my credit report dated XX/XX/XXXX. I have submitted several online disputes in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to them with no action being taken. The last letter I sent to them was on XX/XX/XXXX and I received a generic response letter dated XX/XX/XXXX which basically states that anyone can request my credit without my consent or signature. I did not authorize these inquires and have requested for to remove them and Equifax has refused to do so as of today 's date XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX