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

I noted my credit score took a steep drop. 
According to FICO service there is a issue with Sears. 

My account was opened in XX/XX/XXXX. 
According to Sears my last payment was made on XX/XX/XXXX in the amount of {$630.00}. My Account then had a zero balance. On XX/XX/XXXX the acct was closed per Sears rep because of inactivity. Well the Sears store near me in XXXX XXXX closed. 

Upon contacting Sears via telephone at XXXX, confirmed with Sears that my account was closed in good standing and have XXXX account balance. I opened my Sears account in the year XXXX, a and was in good standing and used the card for everything in my house and paid it off. 

IT IS NOW REPORTED ON MY CREDIT REPORT THAT SEARS account showing that I was delinquent. states that it shows a zero balance, YET it always shows a delinquent account of XXXX The representative from XXXX told me that others have been having issues with Sears.

Sears is going to send me a letter stating that my account was in good standing and was closed due to inactivity. 

PLEASE CORRECT THIS.
Product: Vehicle loan or lease

On XX/XX/year> I traded my cat in into XXXX premier. XXXX paid off my car yet capitol one reported I was late. Yet I did not have the car. Capital one and XXXX both have been going back forth blaming each other and now my son and I have no where to live.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, and XXXX consumer reporting agencies, and I am the Consumer.

I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 
Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. 
XXXX XXXX XXXX ( XXXX Risk Solutions ) XXXX LexisNexis XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : I am writing to dispute an inaccurate late payment that appears on my credit report. According to 15 U.S.C. 1681c ( a ), outdated or inaccurate information should not be included in a consumers credit report beyond the legally permitted time frame. The late payment reported is either incorrect or outside the reporting period allowed by law. Therefore, I respectfully request that this information be removed from my credit report. 

Here is the relevant section of the law for your reference : 15 U.S.C. 1681c ( a ) : This law specifies the time limits for reporting negative information, such as late payments, and requires credit reporting agencies to exclude outdated information beyond the period defined by federal law. 
In addition, the presence of this incorrect information also violates other consumer protection laws, including : 15 U.S. Code 6801 : Protection of personal information.

15 U.S. Code 6802 : Obligations regarding the disclosure of personal information.

15 U.S. Code 6803 : Disclosure of privacy policies.

15 U.S. Code 1681e ( b ) : Accuracy of credit reports.

15 U.S. Code 1681a ( d ) ( 2 ) : Exclusion of certain transactions from credit reports.

18 U.S. Code 1028A : Aggravated identity theft.

These inaccuracies can have a significant negative impact on my credit score and overall financial standing. I kindly request that Equifax take immediate action to investigate and remove this late payment from my credit report.

To support my request, I have attached copies of my identification and proof of address. Once the correction has been made, please send me a copy of my updated credit report reflecting the removal of the inaccurate information. 

Thank you for your prompt attention and assistance in resolving this matter. 

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

XXXX XXXX  has reported an account on my report 2 times through two different collection services. Both are reporting same account, same amounts on my credit, each month they re report these accounts as new. this one account was acquired in XXXX, they have the account opened through Enhanced Recovery CoL on XX/XX/XXXX and again through XXXX XXXX sv saying it was opened on XX/XX/XXXX. This account from XXXX XXXX was settled prior to this continue reporting in XXXX, I purchased my new home in XX/XX/XXXX, and prior to credit approval I paid XXXX XXXX  and had the XXXX removed. After I moved into my home the collection servicing company put this back onto my report on XX/XX/XXXX. and then it went to a new collection servicing company and was reported again. I can not find the receipt of my payment in XXXX, moving things got lost in the process. I do not owe either of these, but if I need to keep it on my report, then one of the reporting agencies needs to be removed. And they need to stop re reporting it as new.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to XXXX  on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Asking for documents bearing my signature.
Product: Checking or savings account

While traveling outside the country in XX/XX/2022, my Chime debit card was used in Florida for unauthorized and fraudulent charges. As soon as I saw the charges, I froze my card so it could not longer be used. 

I repeatedly reported this to the bank, and provided airline tickets, other bank statements indicating I was outside the country and a police report. They have denied my claim and refuse to cover the charges.
Product: Credit reporting or other personal consumer reports

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XX/XX/XXXX, Experian and XX/XX/XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

Im a victim of identity theft, some how my information got out. And was used to get Auto loans. Due to the FCRA, any fraudulent accounts must be removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. All fraudulent accounts which i did not authorize. Please block and remove accounts
Product: Student loan

On Thursday, XX/XX/XXXX, I decided to change my loan repayment plan from income-driven repayment ( IDR ) to standard repayment. I wasn't able to complete this change on the website and was directed to call customer service. I told the representative that I'd like to adjust my repayment from IDR to standard and she proceeded to immediately read me forbearance terms to agree to. I paused her to understand why she's reading this because I'm not asking for forbearance and she asked, do you not know what forbearance is? I replied something along the lines of, yes, I do know but I'm not clear why I would agree because I am able to pay my loans. In fact, through the new plan, I would be paying more per month in order to repay my loans faster. The statement that stood out the most and was definitely not true for my situation, " I am not required to make payments of loan principal or interest during my forbearance, but interest will continue to be charged on all my loans. '' I clearly never mentioned anything about not being able to pay. Since I was aware of the lawsuit I continued to ask questions until she very quickly shifted gears and said, " would you like to proceed without forbearance? ". Clearly, my answer was yes. However, she didn't make that an option. I felt very misled during this discussion and imagine that many other borrowers just say yes. This is morally wrong and an obvious attempt for Navient to take advantage of and make more money from borrowers. Additionally, I haven't reapplied for IDR since XX/XX/XXXX and somehow I'm still enrolled even though they threaten removal from the plan if the application isn't complete. I've received a few emails that are inaccurate as well stating that my monthly payment will increase to $ XXX.XX if I don't reapply for IDR. That number provided wasn't any higher than what I was currently paying. Again, another example of Navient 's deception and ability to cause confusion. Last, I had to pay {$5.00} to switch planswhy?
Product: Checking or savings account

I woke up to an email from Chase Bank that they had restricted my account ( Checking & Savings ) with them. I called them immediately to resolve this. They provided no help and just told me that the restriction is permanent and that my account would be closed in 7-10 business days and that I would receive a check with remaining funds. They provided no reason as to why it was being closed for no reason. I went in person to a Chase and asked the same questions and asked for options to receive the funds sooner as Chase is my only bank and this has left me without ANY access to my funds. My direct deposit from my job also went through the day after this so I have no access to that ( I tried to cancel it but it wasnt in enough advance of the direct deposit, it was already scheduled ). I can not buy food, access transportation, buy necessary healthcare products, etc. In person they said the same thing. They said they were ending the relationship without any explanation as to why and that I could not expedite the funds. I followed up today, 6 days after the initial email, to see when the account would be closed or get any sort of update as to when I would receive my funds. Again, they provided me with no information and the representative said it should close within 10 business days. I asked her to clarify if that meant 10 business days from the original email or from today. She was very vague and danced around the question. After researching online, I found that Chase is notorious for closing accounts for no reason and with no notice. They do not care if their long-term, loyal customers are able to eat or pay for their shelter or healthcare products. I need these funds sent to me ASAP.
Product: Credit card

I request that the CFPB investigate Sears ' failure to properly handle and investigate a fraudulent and unauthorized charge that was made on my Sears account ( ending in XXXX ) for {$7000.00} on XX/XX/XXXX ( See Exhibit A in attachment ). I have been the victim of a fraudulent scam that has caused significant emotional and financial hardship to me and my family. I am being charged for XXXX XXXX Licenses from the XXXX XXXX that I never agreed to purchase and that were never issued to me in my name. For more information about the fraudulent charge, please see the billing dispute letter and accompanying exhibits A through J attached below. 
On or around XX/XX/XXXX, I notified Sears of the fraudulent charge on my XX/XX/XXXX billing statement. Pending the investigation, Sears credited {$7000.00} back to my account ( See Exhibit B in Attachment ). XX/XX/XXXX, Sears provided me with a copy of a letter from the XXXX explaining that the " license was issued '' despite the fact that I never received or was issued a license under my name ( See Exhibit C in Attachment ). On XX/XX/XXXX, Sears re-debited the {$7000.00} charge from my account. On XX/XX/XXXX, I submitted a XXXX written billing dispute letter in which I again explained that I was charged for XXXX licenses that I never agreed to purchase ( See Exhibit E in Attachment ). On XX/XX/XXXX, I filed a XXXX billing dispute to Sears requesting that Sears investigate the matter and provide me with documentary evidence of the unauthorized transaction pursuant to 12 CR 1026.13 ( f ) ( 2 ) ( please see attached dispute letter and accompanying exhibits A through J ). 
In response to the second and third billing dispute letters, Sears has failed to provide me with a written acknowledgement of my letter ( 12 CFR 1026.13 ( c ) ( 1 ) ) and has failed to provide me an explanation that sets forth the reasons for Sear 's belief that the billing error alleged by the dispute letters is incorrect in whole or in part ( 12 CFR 1026.13 ( f ) ( 1 ) ). They have also failed to provide me with copies of documentary evidence of the unauthorized charge for {$7000.00} ( 12 CFR 1026.13 ( f ) ( 2 ) ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit card- last reported on XX/XX/XXXX {$2100.00} first opened XX/XX/XXXX this account i never opened and i called up the credit burrow and reported it as fraud, the account has been closed and charged off but yet still remains on the credit burrows reports and i would like to have it removed. 

Bank of America last reported on XX/XX/XXXX {$2000.00} XX/XX/XXXX this account i never opened and i called up the credit burrow and reported it as fraud, the account has been closed and charged off but yet still remains on the credit burrows reports and i would like to have it removed. 

XXXX XXXX XXXX  opened XX/XX/XXXX $ XXXX reported it to the credit XXXX XXXX fraud XXXX XXXX - last reported on apr XXXX {$450.00} opened XX/XX/XXXX i opened the card but the card was stolen didnt notice the transactions and charges until i saw on my credit report. i reported the fraud transactions to both the credit burrows and the credit card company as fraud. 
XXXX Bank XXXX XXXX, XXXX {$7100.00} XX/XX/XXXX opened this account i never opened and i called up the credit burrow and reported it as fraud, the account has been closed and charged off but yet still remains on the credit burrows reports and i would like to have it removed. 

XXXX XXXX XXXX$7100.00} XX/XX/XXXX opened XX/XX/XXXX this account i never opened and i called up the credit burrow and reported it as fraud, the account has been closed and charged off but yet still remains on the credit burrows reports and i would like to have it removed. 

XXXX XXXX " XXXX XXXX XXXX XXXX reported XX/XX/XXXX {$550.00} opened XX/XX/XXXX this account i never opened and i called up the credit burrow, and XXXX and XXXX them to take it off and told and reported it as fraud, the account has been closed and charged off but yet still remains on the credit burrows reports and i would like to have it removed. 
XXXX XXXX " XXXX XXXX XXXX last reported XX/XX/XXXX {$410.00} opened XX/XX/XXXX i opened the card but the card was stolen didn't notice the transactions and charges until i saw on my credit report. i reported the fraud transactions to both the credit burrows and the credit card company as fraud.
Product: Credit reporting or other personal consumer reports

According to the FAIR CREDIT REPORTING ACT, SECTION 609 ( A ) ( 1 ) ( A ), YOU ARE REQUIRED BY FEDERAL LAW TO VERIFY THROUGH PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CONSUMER CONTRACT-ANY AND ALL ACCOUNTS YOU POST ONA A CREDIT REPORT. OTHERWISE, ANYONE PAYING FOR YOUR REPORTING SERVICES COULD FAX, MAIL, OR EMAIL IN A FRADULENT ACCOUNT.

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, XXXX ACCOUNT NUMBERS : XXXX XXXX HAS VIOLATED MY RIGHTS. 

15USC1681 SECTION 602 ( A ) STATES I HAVE A RIGHT TO PRIVACY. 

15USC1681 SECTION 604 ( A ) STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Credit card or prepaid card

I lost my job at the time and let them know my situation, I tried to resolve the matter with small incremental payments but I then moved and the account got sent to collections anyway and is now hurting my credit and not allowing me to finance a vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act the following accounts have violated my rights XXXX account # XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15U.S.C 1681 Section 602 A States that I have the right to privacy.

15U>S>C 1681 Section 604 A Section 2 States that a consumer reporting agency can not furnish an account without my written instructions
Product: Checking or savings account

On XX/XX/XXXX, I mailed myself a check from Chime XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX  XXXX ). I then voided the check and gave it to my employer to use as direct deposit for my paycheck. However, the Check I received did not have my account or routing number on it and by the time I realized this issue the money had already been deposited in a bank associated with Chime XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) through XXXX XXXX  XXXX. I believe this account to be fraudulent. Not my account. So after contacting my employer as soon as I realized the issue they were not able to hard stop and cancel the payment. I have contacted both XXXX XXXX  XXXX and Chime to fix the issue so I can get my paycheck back in the amount of {$1200.00}. I have contacted XXXX  XXXX XXXX ( XXXX ) department and they assured me the issue at hand needs to be taken care of with Chime ( XXXXXXXX XXXX XXXX XXXX XXXXXXXX  XXXX ). I have been persistent with Chime ( XXXXXXXX XXXX XXXX XXXX XXXX  XXXX ), speaking to the escalations team and the engineering team and a month now has gone by and I haven't heard anything. Nothing has been done about the issue and Chime does not reach out to me regarding the issue any longer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has inaccurate information on my credit report and I have proof.XXXX says one date and Equifax says another which is wrong and inaccurate meaning no one can even verify that I owe this account or this much. No one sent me proof of ownership with my signature of me signing anything. Please remove and delete off my credit report immediately.
Product: Credit reporting or other personal consumer reports

Dear Equifax I see that you verified the account listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date open is showing the wrong dates. Can you delete this ASAP and send me and update. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date open is showing the wrong dates. Can you delete this ASAP and send me and update. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union continues to report a po box address that is inaccurate and not mines. I have requested for the removal of this po box several times. Please update my consumer profile and delete this inaccurate information immediately. I have one accurate address on my consumer profile already listed.
Product: Credit reporting or other personal consumer reports

Subject : Request to Remove Unauthorized Hard Inquiry Dear [ BECU Customer Service/Specific Contact Name ], My name is XXXX XXXX XXXX and I am writing to address an issue regarding my credit report. I have been a member of BECU for the past two years, during which I have been diligently working to build my credit. I am a full-time XXXX XXXX  and also work part-time at a XXXX XXXX to support my family, which includes my wife and child. 

Last year, I applied for a secured credit card with a deposit of {$2000.00}. Recently, I visited the bank to discuss the possibility of retrieving my security deposit, as I was informed that my credit had improved. However, during this conversation, a new credit card was applied for without my knowledge or consent, resulting in a hard inquiry on my credit report dated XX/XX/XXXX. 

I did not authorize this application, and I would like to formally request that this hard inquiry be removed from my credit report. 

Thank you for your attention to this matter. I appreciate your assistance and look forward to your prompt response. 

Best regards, XXXX XXXX Mobile : XXXX [ BECU-
Product: Debt collection

Many times I overheard and observed Collection agents using threatening tones yelling in abusive tones over talking completely abusive to customers who are delinquent in repayments with auto creditors In addition many times company is unwilling to provide documents when requested There are many behind the scene violations which require continued investigations