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

I have written Trans Union and XXXX several times about reporting me as an authorized user on several accounts that do not belong to me. They remove some, then new ones pop up.
Product: Credit reporting or other personal consumer reports

Upon viewing my most recent consumer report, I discovered bankruptcies that should not be present. Having recently studied relevant laws, I found that this constitutes a violation of 15 U.S. Code 1681a ( 4 ) regarding Consumer Right to Privacy. These bankruptcy entries should not appear on my credit report, and you have released my personal information without my consent. This situation is completely unacceptable, as I am a victim of identity theft. Please be aware that you may be both criminally and civilly liable for these violations. If this complaint is not handled appropriately, I will pursue legal action against your organization.
Product: Credit reporting

EXPERIAN HAS LISTED IN THE COMMENT SECTION OF GOAL FINANCIAL THAT THE ITEM WAS UPDATED FROM OUR PROCESSING OF YOUR DISPUTE XX/XX/XXXX. I NEVER DISPUTED THIS LINE ITEM. I DID ASK FOR VERIFICATION FROM EXPERIAN THAT THEIR SHOWING ME TO BE 180 DAYS LATE ON MY PAYMENTS WAS CORRECT. THEY HAVE NOT BEEN ABLE TO SHOW ME VALIDATED PROOF. HOW CAN I BE LATE ON A LOAN THAT WAS IN FEDERAL DEFAULT PROGRAMS XX/XX/XXXX AND XX/XX/XXXX. THIS INFORMATION THAT THEY ARE LISTED IS INCORRECT. SO I AM ASKING THAT THEY GO BACK TO XXXX AND GET PHYSICAL PROOF THAT I WAS INDEED LATE FROM XX/XX/XXXX TO XX/XX/XXXX. I DO NOT BELIEVE THAT I WAS AND YET THEY ARE REPORTING THIS. I AM ASKING THAT THIS ACCOUNT BE UPDATED TO SHOW OK/CURRENT TERMS OF AGREEMENT MET AS WELL AS UPDATE THE COMMENT TO SIMPLY SAY " ACCOUNT CLOSED DUE TO TRANSFER '' AND TO REMOVE THE REST OF THEIR STATEMENT THAT MENTIONS THE WORD DISPUTE. NO ONE DISPUTED THIS. ASKING FOR PROPER VERIFICATION IS NOT DISPUTING.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been making requests to further investigate the accounts referenced in the attached letter for the last 6 months, but I was never given any response. My credit report shows multiple inaccurate information for each account, the last reported dates vary from one another. There has been no record of me giving permission to publish or furnish any of this information and this is a violation of FCRA. 

I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.
Product: Debt collection

I was a victim of identity theft. I have suffered tremendously from this. However, yes I received a letter from XXXX XXXX that they have realized I have suffered from Identity theft and removed this of my credit report.
Product: Money transfer, virtual currency, or money service

I made 2 deposits into my accoount. The first was {$5000.00} and 2nd was {$25000.00}. The deposits were pending but never credited to my account. Coinbase does not respond to any emails or customer support on social media. They have effectively stolen {$30000.00} from me.
Product: Debt collection

My roommate received a call to her cellphone from a gentleman named only Mr. XXXX, his phone number is XXXX extension XXXX in regards a supposedly owed amount of {$1800.00} to XXXX XXXX XXXX. Mr. XXXX proceeded to provide sensitive information in regards such debt. I used to be a collections agent and under NO circumstances details were to be disclosed, reason why? Anyone can provide with incorrect details in order to get information not related to them, which happened in this situation. The collector 's job should have been to provide his name and phone number and ask for me to give him a call, not to spill everything to someone who wasn't me. I never got any calls in regards this nor letters trying to " collect a debt ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I submitted a dispute request to XXXX, Equifax and XXXX  as I successfully identified some inaccurate information on my consumer credit file. On XX/XX/XXXX I received notice that my disputes were opened on my behalf, which is about 45 days from my initial submission. Today is XX/XX/XXXX and I have yet to receive an update.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXXt V. XXXX ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit card or prepaid card

I set up auto pay on the phone with a customer representative for my AAA Bank of America Visa that I have had for 19 years. I have alerts on my account so I know every time my credit card is charged. I receive these alerts by text and email. I know when my email is ready to get paid due to alerts. This company does not permit you to set up alerts if a payment is missed. They will wait three months and then call you. On XX/XX/2021 I received a collections call. After speaking with the auto pay section, the representative apologized to me and stated the auto-pay process had not been completed and I should have been advised to call back in 5 days instead of being told it was in place. My wallet had been stolen and I was on the phone to set up the new account #, he said there was a {$50.00} pending charge from the prior account so euro pay couldn't go in place until then, so when the auto pay did go in place five days later it was after the due date. I can not understand why that would affect me setting up auto-pay on the new account. Regardless he said that they would reimburse me for late fees, he would set-up auto pay and then transfer me so another representative could be reimburse the late fees. He said my auto pay was on and I jumped online to confirm it was on. It was. The next representative who would assist me by reimbursing me for my late fees informed me auto pay was not on. I also informed me that auto pay it only lasts for 12 months and then you have to re-enroll. I did not know this and think this is something that should be written where you turn auto pay on and off. I went online and looked - next auto pay I see a green " yes ''. If I clicked on the word " auto pay '' - the amount of auto-pay is listed with the option to shut it off. I understand the bank representative me a mistake setting up my auto pay, and my credit has taken a hit for this. I still don't know if my auto pay is working or not. Right now I have to make sure that my late payments are credited because they can't do anything about them right now due to waiting for my payment to clear so that I am not in default.
Product: Money transfer, virtual currency, or money service

I am writing formally to express my concerns to Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They inform me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 'S findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system. Leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in letters over 30 days ago and still have not heard back from the credit bureaus this is a violation of the FCRA this is unacceptable please remove the negative items from my report at once XXXX
Product: Credit reporting or other personal consumer reports

I noticed there was an account on my report that does not belong there. I notified the company and disputed the item XX/XX/2024. They are in violation of 15 USC 1681i ( a ) ( 1 ) ( A ) It has been over 35 days and still no response.
Product: Credit card

I applied for a Bank of America XXXX XXXX XXXX XXXX XXXX on XXXX XXXX 2015. The terms of the application offer were XXXX miles after first use, XXXX miles after {$12000.00} spend in the first six months. I received approval notice and the card on XXXX XXXX and activated it at the point. Since that point I received the six month statements, the first in XXXX covering the range of XXXX XXXX - XXXX XXXX and the last covering the range of Novermber XXXX - XXXX XXXX. My six month statement totals is {$12000.00} ( excluding the annual fee that posted on XXXX XXXX when the card was activated ) which covers the 6 month period between physically receiving the card and the 6th month statement close ( XXXX XXXX - XXXX XXXX ). It is very clear I met the requirements. 

XXXX XXXX while doing my taxes I realized that the XXXX bonus points had not posted. I followed up with Bank of America and they said that technically I missed the date because the clock starts after " opening the account '', which appears to be XXXX XXXX but this was never communicated to me as I had no card to physically use thus the 6 month advertisement was a deceptive marketing scheme. The Bank of America agreed this is confusing and confirmed the bonus points would post because of the honest misunderstanding. 

XXXX XXXX I received a letter from Bank of America stating I would not receive the additional bonus miles, disregarding the deceptive nature of the offer and what I was told by Bank of America personnel regarding resolving the issue by issuing the bonus points. I followed up again with Bank of America and this time the representative said they would submit a claim to have it resolved. 

XXXX XXXX I received the same boilerplate letter saying I did not meet the terms and would not receive the bonus miles. Bank of America has provided me with no alternative for recourse outside of filing complaints with local agencies to make me whole due to their misleading advertisement practices and bait and switch tactics regarding resolving the problem. 
I have documentation of the offer and my statements to prove I meet the 6 month spend requirement and I am looking for Bank of America to honor their agreements.
Product: Checking or savings account

I have attempted to contact Chase via phone, email, and the XXXX to request that they refund monthly fees on the account that they have not allowed me to access in nearly 6 months, and to have them close the account and send me a check for the remaining balance on the account after refunding the fees associated. To date, Chase bank did not answer my XXXX requests and has not closed the account as requested, continuing to allow monthly fees to be charged to the account.
Product: Credit reporting or other personal consumer reports

I am here to complaint about fraud being reported on my credit report. Three companies have reported charge off and I have not received any type of 1099c form for my tax purposes. I've requested for them but have not received anything back. So this is fraud.
Product: Debt collection

This debt was discharged, in court they are just harrassing me over it. They kept my money as a security deposit, for the balance. There attorney met me in court, and the issue was closed by the judge in XXXX, XXXX, CO. This should not be on my credit report. They are harrassing me, because I 'm a XXXX member, and XXXX. XXXX.
Product: Consumer Loan

I HAVE HAD FMC SINCE XXXX -- - BOUGHT XXXX TRUCKS -- - AT THE END OF MY LAST LOAN ON MY XXXX - WAS PAYING IN ADVANCE - AND MORE $ $ PER MONTH TO HELP MY CREDIT FOR TWO YEARS SOLID -- I HAVE XXXX ID THEFT PROTECTION -THE FIRST THING I NOTICE WAS A LATE PAYMENT FOR XX/XX/XXXX -- I WAS PAYING OVER THE PHONE @ THAT TIME -- THE PHONE SYSTEM WAS EXPERIENCING TECH PROBLEMS -- SO I ALWAYS CALL THEM TO KEEP UP DATE -- AND I DID NOT TRUST THE PHONE PAYMENT LINE ANY MORE - BECAUSE I TRIED TO USE AGAIN -- TECH PROBLEMS AGAIN -- -SO WENT ON LINE -- -- KEPT MAKING PAYMENTS APPROX XXXX -- -OR MORE -- -WELL ON LINE SAYS IM LATE -- CALLED -- -ABOUT AFTER THE 5TH CALL AN AGENT SAID " O I SEE THEY WANT A FINAL PAY OFF FOR {$990.00} APPROX -- -- -SO HE WAS TO FAX ME A AGREEMENT TO CONTINUE THE REGULAR PAYMENTS AMOUNTS -- @ XXXX A PRIVET MAIL SERVICE -- -IT WAS BEFORE THANKSGIVING -- I WAITED -- WAITED -- NEVER FAX TO ME THE AGREEMENT -- SO CALLED AGAIN -- -THEN OVER A WEEK WENT BUY BECAUSE OF THE HOLIDAYS -- -- CALLED AND FOUND OUT THEY SENT IT IN XXXX -- I GOT BUT IT WAS TO LATE - THE DOC WAS TIME DATED!! -- THEN I LOOK ON MY CREDIT REPORT XX/XX/XXXX SHOWS A LEGAL ACTION -- THEN A LETTER TO FOLLOW TO REPO MY XXXX FOR {$390.00}! -- -- OF COURSE I PAID IT OFF -- BUT MY CREDIT WAS WRECK -- - AND MY SON WAS GETTING MARRIED AND WAS GOING TO GIVE HIM A CREDIT CARD FOR HIS HONEY MOON AND WAS TURNED DOWN -- -FOR THE FIRST TIME!! THEY DID THIS ON PURPOSE - BECAUSE THEY FIGURED A NEW TRUCK I WAS TO BUY AND IF THEY TRASH ME AT THE END I WOULD GET A MUCH HIGHER % RATE FROM FMC! -- -- THEY NEVER DO SHOW THE LOAN WAS PAID IN FULL ON MY CREDIT REPORT -- -ONLY THE CHARGE OFF!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX currently has payments over 30 days late during XX/XX/2018 reporting on all 3 credit bureaus.
Product: Student loan

XXXX XXXX split off their service provider to XXXX in XXXX, knowing that the public service forgiveness program was started. In doing so this company did not participate in this program. I had been making payment to sallie mae and XXXX for almost 6 years or so starting in XXXX until I found out that XXXX did not participate. I am eligible for public service forgiveness, working for 23 years for a XXXX. In steps XXXX through Global Client Soultions who solicited me. They said the had a program that would allow me to be eligible for loan forgiveness. But they had to charge me {$250.00} dollars! XXXX XXXX, XXXX XXXX an XXXX XXXX of XXXX total of {$770.00}. Had i stayed with XXXX XXXX at {$300.00} a month i would almost be paid off {$36000.00} With XXXX at {$380.00} based on 25 years 300 payments {$110000.00}, restarted payment XXXX, 10 years after loan forgiveness 120 payment {$380.00} = {$46000.00} I will be retiring in 7 years still paying for corporate greed an deceptiveness. I have been lied to, charged for something that is free but that was never said and mislead by all companies involved.
Product: Credit reporting or other personal consumer reports

I disputed this account XXXX XXXX and this is a fraudulent account thats reporting on my credit report that was removed and then please back onto my credit report the re-investigation or how they investigate it this account was not provided to me. This account was deleted and then please back onto my credit report. Please remove this fraudulent account for my credit report. This is a violation of the FCRA 611. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed every negative item on my credit report, I also provided accurate information for the reasons why I'm not liable for those debts according to the law, I'm full aware that all these corporations, including this very one I'm utilizing for the complaint is using a name not associated with me, I've stated I'm not a ALL CAPITAL LETTERS CORPORATION or 14th Amendment Citizen, I'm a free XXXX National, most of those debt collectors aren't a party to the matter, they brought the debt from the original creditor, I never signed a contract with any of them, and for your organization to confirm anything from those debt collectors is fraud, because they're using a name similar to mines, who isn't me, I've also reserved my rights ... UCC 1-308, I've quoted HJR 192, and only Congress can coin and make legal tender, Credit is not legal tender, I have grounds to sue these debt collectors or any organization who uses my name without my consent, and committing fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX. 
Company Inquiries : XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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,.
Product: Money transfer, virtual currency, or money service

Refusal to cancel 3 fraudulent transactions and refusal to refund them as well. Its been almost 3 months still not resolved and communication isnt being kept by the company. And a refund from 3 months ago still hasnt been resolved four a charge where the services were never provided for a prepaid service. Ive filed numerous disputes with the company and have only been told that the dispute was expedited to a team you better handle it and then never hear back. I have also advised them of their legal responsibility and they immediately refused my dispute.
Product: Checking or savings account

On XX/XX/XXXX I went in branch to open 8 small business checking in hopes to enroll in their XXXX. They failed not only in enrolling my accounts but froze them a day later and have yet to unrestrict the accounts pending an unnecessary investigation by the fraud department in almost a weeks time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was searching my offers for refinancing my auto loan through XXXX, and many offers came out, but I wasn't interested in any of them, 5 minutes later I received a email from XXXX XXXX telling me that a new hard inquiry was just added to my XXXX   credit report, and after that I received an email from www.openroadlending.com saying " We have completed processing your loan application. Come back to our website '', I don't know who is this company and why they are doing a loan process without my permission, I wrote them but I still don't have an answer from them, so I don't want a hard inquiry if didn't do my consent, that will affect my credit score, the name who is shown in XXXX XXXX is XXXX   XXXX, I already call them and they told me that they work with OpenRoad Lending
Product: Credit card or prepaid card

XXXX charged me {$5700.00} on my Bank of America Visa credit card. I disputed this charge with Bank of America, who re-charged my Visa card on XXXX XXXXXXXX XXXX {$5700.00}. I requested a credit refund slip from XXXX ' accounts manager, XXXX XXXX XXXX, who said he would love to issue a credit refund but that Bank of America has NOT paid XXXX anything and there is nothing to refund. However, this {$5700.00} amount remains on my credit card account and Bank of America wants me to pay them {$5700.00} for nothing, which is FRAUD. I have NOT received any merchandise, goods, or services from XXXX and there is NOTHING to pay for. This {$5700.00} charge needs to be REMOVED from my Bank of America Visa card bill along with any interest amounts charged to my credit card.
Product: Credit reporting or other personal consumer reports

I received a noticed from Midland Credit Management on XX/XX/XXXX, that caught my attention, it showing that i have a charge off debt that was sold, their reporting is fraudulent. 

I also included attachement talking about the Publication 4XXXX XXXX XXXX XXXX  Canceled Debts, Foreclosures, Repossessions, and Abandonments.
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 credit bureaus are reporting and have reported XXXX say late payment on one of our XXXX account. 

Due to extreme high interest rates and our retirement income low, we consolidated our 3 large credit card debts in to a reasonable payment with year payoff of the {$30000.00} debt. 

Credit card companies, without cause of anything we have done, elected again to put rate up to 25 %. With a FICO score of XXXX, and local bureaus score of XXXX, we have earned rates under 6 %. Without cause these three cards XXXX XXXX XXXX, and XXXX XXXX went from low to 25 %. We asked for reduced rate based on our years of in time payment history. Home and motorhone on time payments ( motorhome interest rate 4.5 % shows we had great credit.. 

Due to a clerical issue when we consolidated loans. XXXX of the XXXX XXXX loan payment was 38 days from our early payment before consolidated loan payments started. Late on billig date 1 day. As soon as we saw we fixed the accounting with XXXX XXXX co. 

There was NO 38 day late only 38 days from previous payment date. 

To add to this incorrect defaming action on the 3 credit bureaus. Our credit scores dropped from XXXX FICO and local bureaus XXXX to XXXX. With on time payments for years. The bureaus are not reporting length and number of accounts, and all ontome payments to punish our great record. 

Attached find ambiguous reporting. Punishing words unfounded, lies, total fabrications to punish great payment and credit responsibility. 

Totally irresponsibility on the part of these companies required to reporting truth.. i will attach some screen shots shoeing as much as I can.. more upon request
Product: Checking or savings account

I am writing to address an issue with a recent deposit to my Chase account that has resulted in unexpected overdraft fees. in XXXX of 2024, a deposit of {$400.00} was made into my account, which I believed to be my payroll check. Based on the available balance displayed, I added these funds to my XXXX XXXX. 

However, I was later informed that these funds were not actually available, causing my account to go negative and resulting in multiple overdraft fees. I do not understand how this occurred, as I relied on the deposit being valid at the time of my transaction. 

I kindly request a detailed explanation of this issue and would appreciate if these fees could be reversed, as this was not an error on my part. Please let me know how this can be resolved at your earliest convenience. This situation has caused me significant inconvenience, as I relied on the deposit being available. To make matters worse, I have been turned down for new bank accounts by other financial institutions as a result of this incident. 


Thank you for your time and assistance. I look forward to your prompt response.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.