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

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX  ) XXXX XXXX ( Equifax : XXXX XXXX  : XXXX XXXX : XXXX ).
Product: Checking or savings account

I opened a new account with Chime. I deposited {$50.00}. I used a virtual debit card on the account to order food one time. Later I tried to connect my XXXX XXXX to the account to move the remainder of the money ( only {$13.00} ). Chime wouldn't allow the transaction. I called the bank, I verified my passport, driver license, address, phone number, I received one-time codes, I verified my SSN, I verified transactions on the account along with some other information. I was told that there was nothing that could be done and hung up on. I spoke with Chime following this at least 15 more times. I followed this whole process 15 more times. They tell me every time that there is nothing else that can be done. So, Chime just keeps my money and here I am. This has wasted countless hours of my time and created a substantial amount of frustration. I have begun the process of a civil lawsuit that I plan to see through just FYI. XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

I went to the Wells Fargo branch located in XXXX square in XXXX. The ATM vestibule was locked. The manager of this branch called my phone prior and promised me the door would not be locked. There was a cleaning lady in the bank who pushed me and would not allow to utilize my money. I had to go to another ATM and was assessed a fee. The bank refused to refund my fees and basically sided with the cleaning lady. They pretended they never spoke to me about the issue of the door being locked. The cleaning lady would not let me use the ATM. Please fine this bank. They are very rude and unprofessional
Product: Credit reporting or other personal consumer reports

I'm writing this statement to delete the following information in my file. The items to be deleted are listed in the attached report. I am a victim of identity theft and did not make these charges. I request that the items be deleted to ensure my credit report is correct. I reported the theft to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete these fraudulent items as soon as possible.
Product: Credit reporting or other personal consumer reports

Self is reporting an illegal late payment- the amount was current during the CARES ACT FCRA accommodation period, was granted an accommodation, then caught up payments and paid off account. They still show 30 days late payment. 

On XX/XX/XXXX, the president signed the CARES Act into law, which among other things, provides new consumer protections to consumers impacted by the COVID-19 pandemic. 
Section 4021 of the CARES Act amends the FCRA by adding a new subsection ( F ) to Section 623 ( 15 U.S.C. 1681s-2 ( a ) ( i ) ) to the reporting obligations of creditors that provide an accommodation to consumers affected by COVID-19 who have requested accommodations during the covered period of the COVID-19 pandemic. The covered period began on XXXX XXXX, XXXX and ends 120 days after the later of ( a ) enactment of the CARES Act ( i.e., XX/XX/XXXX ) or ( b ) termination of the presidents COVID-19 outbreak national emergency proclamation. 

CARES Act offers the following protections : If the consumer was current on an obligation at the time of an accommodation approval, the account must be reported to CRAs as current if the consumer is complying with the accommodation agreement. 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( ii ) ( I ).

AND If a delinquent consumer manages to catch up during the accommodation period, the creditor or other furnisher must then report the consumer as current. 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( ii ) ( II ) ( bb ). 


Further I have attempted to resolve this multiple times with XXXX, XXXX and XXXX. In XX/XX/XXXX, I disputed this and asked for verification my late payment did not met the CARES Act FCRA amendments
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX bankruptcy was discharged in 2014. XXXX XXXX XXXX never reported my payments to the credits bureaus and now y mortgage is with Mr. Cooper and they are not reporting my payments. My mortgage was not included in the bankruptcy.
Product: Debt collection

I had taken this loan out due to family emergencies and personal issues related to health. My debit card was stolen and my account closed. I was unable to make a payment to the company. They started harassing my HR department detailing all of the information regarding them. I reached out via email asking them to cease contacting my HR department and asked to pay less each period, as I am having continued financial strain. They told me that they wanted me to send a letter from my doctor which I refused. I let them know I'd be filing complaints as their harassment could lead to my termination.
Product: Credit reporting, credit repair services, or other personal consumer reports

As I investigated my credit report, I realized that some of the information was erroneous. Equifax and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this 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 Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX XXXXXXXX {$260.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

My auto rates are rather high, and believe old reports like tickets etc have affected my rates, and feel reports may continue to contain old information and should be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to this company to do a proper investigation of everything on my credit report and they did and stated everything was accurate. However, I did a thorough research and i found improper inaccuracies on my credit report even after they did a research on my credit report. 

In accordance with the Fair Credit Reporting the following accounts have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ****** Department of ED XXXX XXXX XXXX XXXX ********* XXXX XXXX XXXX 15 USC 1681 section 602 A states I have a right to privacy 15 USC1681 section 604 A Section 2 : It also states a consumer reporting agency cany furnish an account with my written instructions Here is a kicker : 15 USC 1681 ( 2 ) ( a ) ( i ) EXCLUSIONS FROM A CONSUMER CREDIT REPORT CLEARLY STATES The consumer report does not include information solely as to transactions or experiences between the consumer and the person making the report. 

It is to the law understanding that a late payment is a transaction and credit utilization is an experience information on your credit report when the law clearly states that its not included on a consumer report.
Product: Checking or savings account

I have a Citi credit card and was offered a promotion to open a checking and savings account with Citi. Upon applying, I was denied and received a letter with a reason " Unable to verify information on my consumer report ''. The letter goes on starting " The credit reporting agency played no part in our decision and is unable to supply specific reasons why we have taken the action stated above. '' Further when I reached out to Citi to ask for further details, I received the following response after weeks of waiting : " We understand that you are displeased with the decision to not proceed with a Citibank banking relationship ; however, our position remains unchanged. According to the Terms and Conditions of the agreement that governs the relationship between Citibank and its customers, we may close or suspend your account for any reason, or for no reason. This decision is final and wont be reversed. In addition, the credit reporting agency played no part in our decision in this matter. '' This neither addressed my questions for further detail nor is helpful in understanding the issue so I can possibly resolve with the credit bureau/s . This type of response is not acceptable and further details need to be provided.
Product: Credit card or prepaid card

On XX/XX/XXXX two fraudulent charges were made on my account at XXXX XXXX totaling {$110.00}. Bank of America immediately credited my account on XX/XX/XXXXfor these charges, HOWEVER they have since rescinded these credits through multiple transactions.
When I initially contacted BofA on XX/XX/XXXX I was told their system automatically debited my account as I was refunded money from XXXX XXXX, but the refunds I have received from XXXX XXXX  are not related to the two fraudulent charges. I have made no effort to recoup the fraudulent charges from XXXX XXXX.
Additional detail provided in the attached excel file.
I have contacted BofA a minimum of 4 times to resolve this error and as of XX/XX/XXXX BofA has actually debited my account for MORE than the initial fraud claim totaling {$140.00}.
The final transactions that are posted incorrectly to my account are : XX/XX/XXXX : Fraud Dispute {$38.00} XX/XX/XXXX : Accounting Error {$64.00}XX/XX/XXXX : Systom Error {$38.00}
Product: Credit card or prepaid card

For the past three years this has been going on Synchrony Bank opened a Car Care account in my name mailed the card for undisclosed location that cause was used and has a balance on it no as it shows on my credit report I tried to contract Synchrony Bank several times and ask them one single question please send me the paperwork and application that was submitted I have yet to receive that every time I sign an Affidavit of not using the count Synchrony Bank opens a fraud investigation for the past 3 years this has been going on Synchrony Bank opened a car care account in my name mailed the card for an disclosed location that cause was used and has a balance on it no as it shows on my credit report I tried to contract XXXX XXXX  several times and ask them one single question please send me the paperwork an application that was submitted I have yet to receive that every time I sign an affidavit of not using the count Symphony bank opens a fraud today everytime they come up with a different reason which shows that they don't even know what's going on please help me remove this fraudulent card from my credit report as it is constantly making my score goal like a yo-yo I never applied for this card never use this card send them affidavits to
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of account below have violated my Federally protected consumer rights privately and confidentially 15 USC 1681.

account name & # has violated my rights.

15 U.S.C 1681 section 602 A states I have a right to privacy 15 U.S.C 1681 section 604 A section 2 It also states a consumer reporting agency connot furnish a account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) section states : no consumer reporting agency may take any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions and 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 if the person knows or have reasonable cause to believe that the information is inaccurate. 
XXXX XXXX XXXX account # XXXX
Product: Credit reporting or other personal consumer reports

I looked at my credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This account ( XXXX XXXX : XXXX ) The date opened is not reporting correctly, date last active and the payment status is reporting not correct. This account is not accurate. 

( XXXX XXXX XXXX XXXX XXXX  ) The date opened is not reporting correctly, date last active, last reported and the payment status is reporting not correct. This account is not accurate. 

( XXXX XXXX ; XXXX ) The date opened is not reporting correctly and the date last active is reporting not correct. This account is not accurate. 

( XXXX XXXX : XXXX ) The date opened is not reporting correctly and the date last active is reporting not correct. This account is not accurate. 

( XXXX XXXX : XXXX ) The date opened is not reporting correctly and the date last active is reporting not correct. This account is not accurate. 

( XXXX XXXX XXXX : XXXX ) The date opened is not reporting correctly, date last active and last reported is reporting not correct. This account is not accurate. 
( XXXX XXXX : XXXX ) The date opened is not reporting correctly and the date last active is reporting not correct. This account is not accurate. 

( XXXX XXXX XXXX XXXX XXXX  ) The date opened is not reporting correctly and the date last active is reporting not correct. This account is not accurate. 

I sent letters on XX/XX/year> asking for them to re-investigate these accounts.

I got the investigation back, but i noticed there was no update or nothing was modified according to the law 15 USC 168 I5, ( If after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ) So I requested a description of the re-investigation and they did not provide it to me which is a violation of 15 USC 1681 I7
Product: Credit card

My Capital One Credit card statement is showing that my monthly {$25.00} payment was returned as insufficient funds by XXXX  on XX/XX/2023. Capital One customer service told me to speak with XXXX XXXX XXXX to get information about the returned payment. I looked at my XXXX statement and there is no record of an NSF transaction on my XXXX statement during that time. I spoke with a XXXX representative and the representative searched through transactions for XX/XX/2023 but found no evidence of a NSF transaction related to a Capital One payment. Capital One is now displaying my account as past due and is doing nothing to fix the issue. I was also charged a {$25.00} late fee in this instance. This issue should be fixed by Capital One, my account should be in good standing, and the {$25.00} late fee should be refunded. XXXX has agreed to provide documentation that details lack of evidence of an NSF transaction during the time in question ( XX/XX/XXXX XXXX, 2023 ).
Product: Prepaid card

XXXX XXXX : XXXX for XXXX hours worked @ {$1300.00} " Gross income '' Earned Wage XXXX : XX/XX/XXXX @ {$1300.00} minus the {$500.00} E.W.A. deduction with other taxes and deductions = Pay Date : XX/XX/XXXX @ {$580.00} " Net income '' Now the only problem I'm having is transferring it to my linked bank account. 

I can see the {$500.00} direct deposit is in my Payactiv account but it says {$180.00} is available only. 

The {$180.00} is what I've currently earned since XX/XX/XXXX. 

The {$500.00} was earned before XX/XX/XXXX. 

What it means is that Payactiv is charging me {$500.00} to get {$500.00} or that it's using it as some sort of buffer to make sure I don't overdraft. 

That makes no sense! 

Please advise, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

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

The vehicle was purchased fraudulently through Identity theft, the information on the bill of sale is not my information such as the email address as well as the contact information. My information was leak in the data breach for XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

All inquiries from XXXX I haven't applied for anything
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I made my final loan payment of {$260.00} to XXXX XXXX. The only amount that was left to pay was {$420.00} in late charges that had accumulated over the years. On XX/XX/XXXX, I notice that XXXX had not updated my account balance with any of the major consumer credit bureaus since XX/XX/XXXX so I filed a dispute with Experian. The dispute alleged that my balance was {$260.00} and not {$2400.00} as currently being reported. I uploaded to Experian a copy of a letter XXXX sent me dated XX/XX/XXXX that stated my principal balance was {$0.00} and late fees {$410.00}. However, upon resolution of the dispute on XX/XX/XXXX, the only thing that was updated was 30 days late payment in XX/XX/XXXX for which I will file a separate CFPB complaint for. Again, I filed another dispute on XX/XX/XXXX regarding the incorrect balance and again on XX/XX/XXXX, the resolution was the same as last time, no update to my current balance. Again filed another complaint another complaint on XX/XX/XXXX and the result have not come back yet. In addition, XXXX went so far as to change my XXXX  credit report from correct current balance of {$400.00} back to {$2400.00}.
Product: Payday loan, title loan, or personal loan

Recently in XX/XX/XXXX, I obtained a small instalment loan from Sunset Finance. Unfortunately, I lost my job a month after obtaining the loan in XX/XX/XXXX. With the rise of the Covid-19 pandemic ot became hard for me to find gainful employment. I immediately called them and informed them of my situation and promised to start back paying once I obtained a job. They began after them calling me, my family members, friends, and even my former employer. Harassing me and them on a daily basis to get payment. I called and stop with them letting them know I was in fact still unemployed and even homeless, unable to make any payments. So then in XX/XX/XXXX, I finally obtained a job. Thereafter I began to make payments every time I got paid to catch up. On XX/XX/XXXX, I called to make my payment. I was informed that I was too far behind and had to refinance my loan, which meant it would start all over and any monies I had then paid would be forfeited. I informed them I didn't want to refinance my loan and even the next time I got paid I two weeks, I would be paying it off. I spoke with the district manager in which she threatened me, was very unprofessional. Everytime I have ever dealt this this loan company they were very rude, disrespectful and unprofessional. I have been trying to pay my loan off plus anything interest I have accured because of me being late. All I have gotten was threats, harassment, and complete unprofessional behavior. This loan company has to stop. They have displayed unethical behavior and practices once it comes to a business. I did not understand how all the payments I made did not go toward my debt and me starting over somehow was a good thing. The interest rate on the loans are not within the federal regulations of small installment loans.
Product: Checking or savings account

Bank promised bonus when direct deposit is made. I fulfilled this requirement, but haven't seen the bonus posted.
Product: Debt collection

XXXX XXXX charged me for promoting XXXX  that we returned because we were talked into taking and we were still charged for them
Product: Credit card or prepaid card

I filed a dispute in the early part of the month of XX/XX/XXXX for many fraudulent charges that took place for more than a year. The disputes amounted to over {$6000.00} in unauthorized purchases. The charges dated at least back to XXXX of XXXX maybe further, and continued until XXXX of XXXX. When I started the claim I spoke to a representative about the unauthorized charges that I noticed after some time had passed. I had my card paid automatically and never really looked at my electronic statements. I informed them that my wife had a similar discover card with them and that we had done low interest balance transfers from high interest cards to a discover card. I was not sure and I confused that I was the one who put the balance transfers on the card. Under that pretense and the fact that I didnt really look at my statements, I did not think anything of the higher payments. When they asked why I took so long to report the charges I explained these things to them. And when they asked how I finally noticed I told them that XXXX  XXXX had informed me of similar charges suspected of possible fraud just on a smaller scale. I filed a claim with XXXX  XXXX for the fraudulent charges as well and my charges were refunded. I told them upon checking my cards I saw these charges and noticed they were the same charges similar to the ones XXXX  XXXX informed me of. It was at that point that I realized that the balance transfers were mostly on my wifes discover card. They went over the charges with me and filed the claim. I was called by someone shortly after asking about the claim and asked the same questions about why I took so long to file the claim and why did I finally notice. I told them the same thing that I told the previous representative. I also mentioned that we had our direct neighbors move out in XXXX and at some point a few years prior my wallet was missing and they returned it to me. So I felt they could have obtained the numbers of my cards. In addition shortly after they moved out we were informed by our isp that they had been using our WiFi for years and that they somehow had the password. I was told that my account would be credited for the charges in question while they researched the claim. They totaled {$6800.00}. I was called a week later and asked the same questions again and again I answered the same way I had previously. I was called a month later or so and told that my claim had been denied mainly based on the fact that I waited too long to file the claim. I asked about appealing the decision and they gave me the run around and discouraged me from doing so and advised me to pay more attention to my statements. Attachments include Discover Statement that shows all disputed charges and total amount which was temporarily credited. Second upload is a screen shot of an email from XXXX XXXX assuring me that I am not liable for these charges as I did not make them.