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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Credit Acceptance XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX XX/XX/XXXX RE : The inaccurate and certifiably noncompliant information you are reporting To whom it XXXX concern : I am writing you with this formal objection of information published and provided by you to XXXX and XXXX, as reported and I demand for swift action on your part. Additionally, this notice also serves as my rightful demand for adequate investigation/reinvestigation into every aspect of any delinquency and/or derogatory data accused of me to ensure my lawful right of accurate and compliant reporting! 

You are improperly reporting an alleged Auto Loan to the credit bureaus that is clearly in noncompliance with recognized XXXX Reporting Requisites per the CRGG as well as the FCRA, and thus damaging my credit reputation. Without being certifiably compliant with XXXX reporting standards, you are in violation of the required permission to report a single aspect or notation of any alleged accounts, much less than an auto loan that you did not have permissible purpose to share my personal information. I formally contest the reportability of the alleged XXXX XXXX. 

Immediately, DELETE ALL record of the following alleged Auto Loan, or else provide certified proof that you have physically verified each notation for maximum possible accuracy and compliance with all XXXX reporting standards. 



XXXX XXXX  # XXXX Opened : XX/XX/XXXX Account Status : Open Collections XXXX Showing Past Due : XXXX This Auto Loan item is deficient as reported, and per federal reporting regulations all claims MUST be to a maximum possible accuracy and a maximum possible completeness, which extends to the reporting mandates that there be no deviation from XXXX Format compliance since, per the XXXX, XXXX XXXX Any deviation from these standards jeopardizes the integrity of the data. Unfortunately, it appears that you do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in your consumer reports that you prepare concerning me. Your prompt attention to this important matter is requested to comply with federal law.
Product: Debt collection

I set up a monthly payment of XXXX dollars due the XXXX of each month ability recovery solutions has been taking a payment twice a month after XXXX calls to the company asking them to change the date to the XXXX only they have never verified that they are speaking with the correct individual that owes the debt and are extremely hard to get in touch with i was enrolled for 60 a month after 1 month they said i owed XXXX as i had completed 60 % of the course
Product: Credit card

I checked my annual credit report and noticed a credit card from Citizens Bank was charged off on my report in the amount of {$1100.00}, I dont know when this card was opened or who opened it but I never opened this account. Since the discovery of this I have filed a Police report with XXXX police department in XXXX XXXX XXXX. I have also filed an identity theft report with the Federal Trade Commission. I need this unauthorized fraudulent account removed from my credit report as it has caused me to be declined for renewal of my apartment lease and other lending products, which has cause me tremendous financial hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts on my credit report being posted not accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting letters on XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. Upon reviewing my updates, incorrect information are being reported to my personal credit file. The Experian, and XXXX XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i and 605b, and continued to report unverified information without providing any proof required by law. The 3 Credit Bureuas have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed ; XXXX XXXX IN XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card

Capital One Case number : XXXX My credit card is issued under my former name, XXXX XXXX ( Ive asking them multiple times for change it but they never did. ) XX/XX/2023 I purchased a year-long soccer program from XXXX XXXX for my daughter, XXXX XXXX , for {$450.00}. The order number is XXXX. On XX/XX/XXXX I was informed by the soccer organization that the season was cancelled and everyone would be issued a refund. I email about my refund but received no response and disputed the transaction action on XX/XX/2023. On XX/XX/2023 Capital One reassessed the {$450.00} charge and requested a receipt, signature and communications which I then provided to them. On XX/XX/2023 I received another letter from Capital One stating that what I provided was not sufficient and they considered the matter closed. I contacted XXXX who claimed they did not dispute the chargeback from Capital One that they received on XX/XX/2023 therefore I the funds should have been returned to me from Capital One.
Product: Student loan

I originally filed a report with your agency back on XX/XX/XXXX, # XXXX. At that time, your agency would not listen or even attempt to assist me with the ongoing fraudulent activity happeneing with Navient and within the University XXXX XXXX. In XX/XX/XXXX, Navient agreed to pay more than {$31.00} XXXX  in relief to XXXX  borrowers due to this. WHY was mine not included? I looked for your agency to be the voice of the people and assist us - your agency was far from that. 

As part of the XXXX XXXX XXXX settlement, I have been automatically granted relief with my student loans that had been fraudulently placed on forebearance, out of control payment plans, and more. Navient had been known for predatory tactics and taking advantage of many. Your agency should be ashamed for not listening not just to me by the countless others who looked at you for help.
Product: Bank account or service

A Bank of America ATM card, issued to bank patrons, allowing a customer to access their accounts stopped working in B of A ATM machines. The card did work at the banks inside teller Windows. My branch tellers thought that strange and advised me to call the B of A telephone number on the back of the card since the card was not damaged and did work if I entered the bank. I called number on the back of the card and was advised that the account was active and that problem should not happen and they would replace the card for a {$5.00} fee. Since this card was originally issued by B of A when opening my account and thru no fault of mine the card no longer worked, B of A should replace the card instead of passing on an ever growing number of fees costing the consumer excessive financial burdens. As an additional note my local branch advised me they were getting numerous complaints from customers regarding excessive fees, that they as a branch had no control.
Product: Checking or savings account

Today my husband XXXX XXXX attempted to make a cash deposit at Bank of America on XXXX in XXXX, Oklahoma and there was a sign on the door that the bank had permanently closed. We were sent no notification through mail or any other means. Our funds were running low and we needed to make that deposit. We had no warning or any idea the bank had closed. We did not even have the option to change banks. I contacted bank of America on XXXX and their excuse was " Traffic ''. Now the closest one is 45 minutes away. We now have limited funds because we were not notified. How can a bank leave town without notifying its customers. This can not be legal and would like to be investigated. 

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

In XX/XX/2019 I paid My Collections account for XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX in an agreement to delete this from my account within 30 days, however it has been longer then 30 days and I was trying to submit a Dispute with supporting Documents online and through the mail with Equifax, I also tried calling in in a dispute but I could not submit support documents after the file dispute started through the phone dispute option. I am trying to submit my supporting documents through Equifax because I have had problems with XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX XXXX not agreeing to the agreements for deletion and send incorrect information to the credit bureaus. I have attached the agreements and statements for which I paid my XXXX XXXX account.
Product: Credit card or prepaid card

I SOLD a sterling pin on XXXX, was paid and product was shipped with tracking number to the address given. Paypal want to take the money back because the customer claims he never got the package. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX
Product: Credit card or prepaid card

Dear CFPB Staff, I am writing to file a complaint against the Bank of America 's unfair treatment in handling my refund issue. I returned the item but did not receive the refund. The bank rejected my claim on the grounds of exceeding the investigation time. That is one {$290.00} transaction! I believe that the bank 's handling of this matter was unfair, and they did not take my refund issue seriously. Let me detailed describe this issue : On XX/XX/2022, I purchased two scarves on XXXX for {$290.00} each, but I returned both orders through XXXX  on XX/XX/XXXX ( I still have the receipt of XXXX  ). On XX/XX/XXXX, I received a refund for one order, but the other refund was still missing. After several inquiries with XXXX customer service, I was told that it might take up to two months to process my refund. I forgot about this matter due to my busy schedule until XXXX, when I discovered that I could no longer access my XXXX account. After communicating with XXXX customer service, they acknowledged receiving my return but said they couldn't issue a refund because my account was on hold. They advised me to contact Bank of America to resolve the refund issue. 

I contacted Bank of America and initiated a dispute on the bill. However, I had hard time with selecting transactions. These two {$290.00} transactions are the same amount but the one is on XXXX, the another one is on XXXX. I do not know which one is already refunded, which one is not since the order with no refund was placed 20 minutes before the one with refund. Therefore, I dispute the earlier transaction on XXXX. After uploading all the evidence document, In XXXX, the bank informed me that my dispute was successful, but in XXXX, I found out that the refund for the other order was still missing. Upon verification, the banker told me I might disputed the wrong bill, that is so weird because I placed that order earlier but Why is the billing date of that order is one day later than the second order after pending?

So I started a new dispute. However, after investigating for a month, the bank rejected my claim on the grounds of exceeding the investigation time. I believe that the bank 's handling of this matter was unfair, and they did not take my refund issue seriously, instead of rejecting my claim on the grounds of exceeding the investigation time. First, it is your responsibility to help customer to get their money back. The bank can not deny the claim by exceeding the investigation time. Second, could Bank of America explain that my first order was placed XXXX minutes earlier than the next one, but why is the billing date of this order one day later than the later one, which resulting in I select the wrong transaction at the first time? 

I request Bank of America to refund me the {$290.00} payment, as I have returned the goods and hold a return certificate. I appreciate your attention to this matter and hope for a prompt resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a copy of my credit report and I noticed that the same accounts that I previously submitted a complaint about is still on my credit report. I am a victim of identity theft and the items listed are the results of someone stealing my identity. The discrepencies that are on my credit report is effecting my personal life in a negative way. This has been a stressful and overwhelming process to get my life back so I am asking for this matter to be resolved as soon as possible.
Product: Credit card or prepaid card

I have since receive the report from Chime Bank stating that I am responsible for the withdraws stating that they have linked it by ip address, but still didnt provide any information on if they see the person taking the funds. The funds were being taken from XXXX XXXX XXXX XXXX, XXXX, AZ XXXX at XXXX XXXX. I have witnesses that can verify I was visiting my son cooking dinner at the location of XXXX XXXX XXXX XXXX, XXXX, AZ XXXX when the charges were coming off. The only place my card was used on XX/XX/2020 was at I XXXX XXXX XXXX on XXXX XXXX XXXX XXXX, XXXX, AZ XXXX, Which they did have a new card reader they was trying to figure out how to work, I feel it may be them, also still had the card with me in my possession while these charges where being withdrawn. When speaking to Chime they didn't not want to help at all in this matter. They were to give me a credit while they do the investigation and didn't, I also had my XXXX XXXX protection get into the matter which they also believe these where fraud transactions. I have had Chime Bank over 3 years and never took out that much money all at once. I have followed all steps in the packet, as well as reached out to XXXX XXXX to retrieved my funds that were stolen from me. Every time we open the case Chime Bank closes the case. I have been fighting back and forth with Chime Bank since XX/XX/2020. The total amount stolen was {$1300.00} which I told Chime that was my funds to move into my own place. Its $ months later and still trying to retrieve what's mine. They didnt care nor gave a credit until proven otherwise. Now that i have to put a fraud alert on my account, im stuck with this back till its over. I have submitted a police report for the fraud as well. Chime Bank is the worse and they dont care what happens to the people that invest into their bank. A very sad story.
Product: Credit reporting

I am Submitting in Writing All My Proper IDENTIFICATION ... .INCLUDING MAIL RECEIVED AT MY ADDRESS. MY CERTIFIED MAIL SENT INTO All XXXX CREDIT BUREAU 'S and the C.F.P.B. In XX/XX/XXXX which I still have the Hard Copies of the Packets with Each Receipt and Verified Signed for by Whom Sent to ALL PARTIES. I had All the Proper Identification etc. needed but I have HAD NO RESPONSE TO ANY Of This Or Any FOLLOW UP. Submitting Again in XX/XX/XXXX all Correspondence needed for My Complaints Filed XX/XX/XXXX & XX/XX/XXXX Including the Proper Identification Needed to Take this SERIOUS..!!! 
Here are the Four COMPLAINT FILE # 's Case Number:XXXX ... ... ... ... ... ... ... .... Case Number:XXXX ... ... .... Case Number:XXXX ... ... ... ... ... ... ... ... 
.... Case Number:XXXX I am Not Allowing this to BE IGNORED AGAIN ... .after 1 1/2 YEAR DILIGENTLY Addressing and to Consume All My Time of Nine Months ... .Enough is Enough. 
I have More than SUBSTANTIATED DOCUMENTS to PROVE INCORRECT REPORTING AS WELL AS FALSIFIED DOCUMENTS of Reporting on MY CREDIT BUREAU FILE. 
If this is Not CORRECTED within the next 2-3 WEEKS, I Have been through so Many 30 DAY INTERVAL of Awaiting Responses for NO CORRECTIONS Being All PROCESSED. 
YOU Leave Me With the Only Other Alternative to Take ALL this to the NATIONAL NEWS PRESS Who Has Already Expressed Wanting This Information. I AM NOT GOING TO BE TOLD THAT THE SYSTEM Is COMPUTERIZED IN ASSESSING OUR FICO SCORE. 
It Has to BE Programmed by a Human, so When Our Scores are DELETED Due TO INCORRECT REPORTING or FALSE INFORMATION SUBMITTED BY A CREDITOR OR COLLECTION AGENCY and then Explained about how the System does our Scoring, DEDUCTS but Can not ADD It BACK AFTER YOU Have Proven with SUBSTANTIATED DOCUMENTS Incorrect, I am not BUYING THIS CAN NOT .... ADD MY SCORE BACK That Was WRONGFULLY DEDUCTED. THIS IS NOT ONLY UNJUSTIFIABLE but VERY DEMEANING To Any INDIVIDUAL. I EXPECT TO GET MY SCORE REDONE ( XXXX ) not to Receive Some Lame EXCUSE that it Ca n't BE Done ... Then YOU Need to GET THIS PROBLEM CORRECTED TO ADD BACK The SCORES WRONGFULLY DEDUCTED. 
I know I am Speaking and Supporting Other Consumers who have been Unjustifiable Treated the Same Way.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX XXXX Balance : {$610.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$3200.00}
Product: Credit reporting or other personal consumer reports

XXXX has refused to create inaccuracies on my credit report and will not supply the information I have been requesting to validate the acocunt. They are showing old account information that has aged off of my report as still valid and negative. They refuse to follow up by supplying me the information requested 6 times in the past XXXX months. I have even attempted using an outside company to validate with them and they refuse to coomunicate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX Balance : {$230.00} XXXX XXXXXXXX Balance : {$270.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several hard inquires that I did not authorize showing on my credit report. I have sent letters to Equifax regarding this issue and called them on  XXXX   XXXX ,   XXXX   and spoke with  XXXX  agent id #  XXXX . I advised her that the hard inquires listed ( see below ) was not authorized by me and I have made several attempts to have them removed. There is no signed paperwork or documents proving that I submitted applications with any of the company 's listed below. Per FCRA the credit bureau must report accurate information and investigate when the consumer request and investigation. None of this was done and Equifax is in violation of the FCRA due to this issue. Please assist with removing the unauthorized inquires below ....       XXXX   XXXX   XXXX   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, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I entered XXXX XXXX to purchase a vehicle. It had been negotiated and paid for by wire transfer. 

I was requested to fill out a " worksheet. '' I asked if it was a credit application because I was paying cash and would not consent to a credit inquiry. I was told it was not. I asked a second time based on the info requested on the form. I repeated that I don't consent to a credit inquiry because I am paying cash. After I completed its, I repeated for a 3rd time that I objected if a credit report was ordered. 

Shortly after I left the dealership with the vehicle, I received an email that a credit inquiry was made by the dealership. 

The dealership was deceptive and abused its power to order the report. I don't know why it was done since it spent 45 minutes verifying my identity. If they told me the information necessary in advance ( for example as CA DMV does for Real ID ) I would have brought it with me. This delay tactic is abusive since they have been paid {$43000.00} so it made it difficult to leave or complain. I was there so long that I left without being paid for a trade in. Initially, they behaved as if it was a common practice. When questioned they reluctantly admitted a signer was not available. I no longer believe that and it seems just a technique to negotiate better terms and pricing on the trade in and to take my focus off objecting to the credit report. 

It may be discriminatory. I am XXXX XXXX. Am I being treated the same as other all cash buyers or the subset of those buyers who object to a credit report? If they find ways around it for other buyers, why did I not receive that option? The appointment was set up 2 days in advance. I very clearly objected to a credit inquiry three time while at the dealership. The report was not ordered until after I left the dealership. When rules are discretionary or made up, it is common for minorities to be subjected to shoddy behavior like this. I didn't deserve this treatment and others like me don't deserve it either. 

The credit agencies need to be on formal notice and can be accountable for the rogue and abusive practices of your customer, XXXX XXXX. It has used your agency to order a report against my will and without my permission. It called the credit application a " worksheet. ''