23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

My Identity has been stolen back in XXXX and ever since that incident happened i seem to get scammed a lot. The following items are fraudulent inquiries on my Experian Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX has fraudulently dropped my credit score by XXXX points. My credit balance for XXXX XXXX XXXX XXXX ) is {$0.00}. Their reason for dropping my score was due to a high balance of credit usage when I do not have a high balance of credit usage. I am under 30 % credit utilization. This is fraudulent and inaccurate reporting as usual from this company. This needs to be reported accurately. Their reports on my credit do not reflect my real credit activity.
Product: Credit reporting or other personal consumer reports

I CHECKED MY CREDIT REPORT AND SAW SOME DISCREPANCIES. IT'S THE BANKRUPTCIES THAT I DO NOT RECOGNIZE. PLEASE CHECK THE DOCUMENTS I'VE SENT.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX my daughter used XXXX to pay me back {$100.00}. I have the confirmation from her bank, XXXX XXXX. Unfortunately, she had a typo in my email address, but I called XXXX before we knew this and they said they did n't have anything and that it would take 3-4 business days anyway. The money was returned to my daughter on XX/XX/XXXX. On that same date at XX/XX/XXXX at XXXX XXXX XXXX, she resent the money. The confirmation code from XXXX XXXX is XXXX. 
I have been waiting since then. I called XXXX on XX/XX/XXXX and spent 90 minutes on the phone - 45  minutes with the person trying to help me get the app up on my phone and then another 60 minutes  on hold with their " advance support. '' The XXXX case number is XXXX. I gave them ample time to transfer the money. As I XXXX them, I find I 'm not the only one having problems. My thought is that this company should n't be responsible for handling currency transfers if they do n't have it together. I want my money. 
Today, XX/XX/XXXX, I called again, waited on hold for 40 minutes. I spoke with a representative and she wasnt able to help and, as usual, the questions, Are you sure you used the right password? Did the sender put in the right email address? Then it was we have to escalate this to the next level because your account has been locked because of the attempts to get into it. When I asked where my money was, they said it wasnt in my account and that, we dont know where it is, but your daughter can cancel and resend. This is unacceptable.
Product: Checking or savings account

XXXX I opened a Chime account XX/XX/XXXX my direct deposit from my job was deposited to my Chime spending account. Amount was {$3100.00} XX/XX/XXXX my account was suspended. No notification XX/XX/XXXX I realized my account was suspended and called chime at which time they requested documents. Emailed documents. Email from Chime said Id get a response in 2-3 business days on account status. 
XX/XX/XXXX Called chime and was told Id hear back in no later than 24 hours XX/XX/XXXX Called Chime again after no response. Agent escalated issue and provided ticket #. Agent said there a 100 % chance Id hear back in 24 hours. 
XX/XX/XXXX Still no update Chime is holding over {$3000.00} and not communicating. 

During this time, my mortgage payment and my children 's tuition payment was rejected causing over {$100.00} in fees and bad marks on my credit. 

Can someone from look into this for me?
Product: Credit reporting or other personal consumer reports

Violation of 15 USC 168152 Inaccurate Credit Reporting Must Be Immediately Removed 15 U.S.C. 1692c Fair Debt Collection Practices Act ( FDCPA ) states that debt collectors can not communicate with consumers without consumer consent.

Credit Reporting Act 611 ( a ) [ 15 USC 1681 ( a ) Which requires, during the investigation period, disputed information must be removed from credit report. The mere reporting of items constitutes collection activity.

Account activity dates are incorrect. 

Account Is Reported Closed, XXXX. Balance reported is incorrect. 

Account was charged off & closed in XXXX. 

Account Secured debt was liquidated via investment holding holding & any other balance was charged off via tax credit in XXXX for tax year ending in XXXX. 

Everyday that this account remains, it is a violation, pursuant to FCRA non compliance and/or incorrect reporting of a fraudulent attempt to collect a debt for which has been paid via secured investment account liquidation & charge off as reported to the IRS. 
The liability for willful noncompliance include : * Actual damages sustained by the consumer * Punitive damages as the court may allow * Costs of the action, including reasonable attorney 's fees * Statutory damages of {$100.00} {$1000.00} per violation. 

The FCRA provides a private right of action against users of consumer reports, including potential employers. 

The law states that anyone who intentionally fails to comply with a requirement under the subchapter in relation to a consumer is liable to that consumer.
Product: Credit card

Moreover, I have reason to believe that an unauthorized third party is involved in this matter, further complicating the situation. The involvement of an unknown entity raises serious concerns about the accuracy and security of my personal financial information. It is unacceptable that such an error has been allowed to persist, and I urge you to take immediate action to rectify it.
Product: Credit reporting or other personal consumer reports

Regarding Discover credit card. I had wallet stolen in XX/XX/year>. I asked Disciver to send new card to my nyc address. They changed my statement address as well, which I did not ask.. I wanted my statements going to same address at Florida address where my bills are paid. I did not pay a statement because I didnt get new statement at my nyc address. Discover then reported to XXXX I was late oayment and it dinged my credit score from XXXX to XXXX. It really hurt my score. I called and disputed this with Discover but they said I asked for statements to be sent to my XXXX address and this is NOT true. Discover did this without my authorization. I want the recording and proof from Discover that they said I asked for statement address change. 
They have refused to correct this report of XXXX late payment ( due to statement changed they did ) and hurt my credit score terribly!!!! I want this corrected and that is why Im reporting them because they are not cooperating.
Product: Bank account or service

I have a business checking account with U S Bank for more than 10 years.The bank CHARGES EXCESSIVE FEES at the expense of the struggling, hardship and misery of a small businessman like me..I ask them to help me to process credit card transaction on my place of business last XXXX XXXX. After 9 weeks of no activity, people are not buying or spending anything and no transactions on credit card machine, I inform the bank that I can not continue to operate at loss every week, told them I will be GOING OUT OF BUSINESS. The bank told me FOR THE FIRST TIME after 9 weeks, that the credit card machine contract is NON-CANCELLABLE..The bank should have told me that from beginning. Deceiving and un-ethical. The bank told me I have to continue paying the LEASE @ {$43.00} a month even though I am going out of business and no means of income from my business..The bank know from the beginning, I keep them inform every week for 8 weeks, that I am losing money ... It is deception on their part, unfair and un ethical. I bank with them for more than 10 years..Please help me to stop them charging me {$43.00} /month, and cancelled the lease. I also tried to talk to the manager of the branch, but the manager refuse to help me resolve the problems.. Thank you. XXXX XXXX XXXX
Product: Debt collection

I have a telephone bill listed with the credit agency 's that is more than 6 yrs. old. However the company ( Credit Management , L.P. ) listed the bill as being from XXXX. I contacted them through email and requested a statement so I could pay the bill. I received a 50 % OFF DISCOUNT OFFER. I chose to accept the offer of {$120.00} and mailed payment on XXXX/XXXX/XXXX. The original account was {$240.00} XXXX XXXX XXXX XXXX XXXX Account # XXXX ). To date the XXXX credit agency 's have not removed the negative information. Credit Management gave me a Reference # XXXX which I listed in addition to the above number on the XXXX XXXX XXXX XXXX. The reason I am now writing is because all the other bills I paid that day have applied to my previous balances, credit card, XXXX XXXX, etc. etc. BUT I do not see the credit company 's reflecting payment and a closed account. Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking  account that on the month that you marked me late on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Student loans sold many of my private loans to Discover. While looking at my credit report I see several " payments '' made to Discover that I never made, therein extending the reporting period on my credit report. These payments appear to be a direct result of the transfer between XXXX to Discover and therefore should not be represented on my credit report. 

I have NEVER made a payment to Discover, so I tried contacting the company through XX/XX/XXXX and have made several complaints with the Better Business Bureau. To date Discover has not given me any information on the alleged " payment '' that were made by me through XX/XX/XXXX besides some graphs that could 've been made in XXXX XXXX. None of the items furnished even have an account number so it is impossible to link them to my account. I argued that if these payments were made Discover should be able to furnish proof of these payments via EFT confirmations, voided checks, etc however they refuse to give me any information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Experian and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

Bankruptcy - XXXX - 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to privacy this Bankruptcy shouldn't be on my credit report, you shared my personal Information without my consent. this is identity theft ; you are criminally and XXXX XXXX - This account are inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 


Incorrect Name - XXXX XXXX- Please delete this inaccurate info immediately. 

Incorrect Address - XXXX XXXX XXXX XXXX, XXXX, NY, XXXX - Please delete this inaccurate info immediately. 

EMPLOYER - XXXX  XXXX XXXX- Please delete this inaccurate info immediately. 

EMPLOYER - XXXX  XXXX XXXX- Please delete this inaccurate info immediately. 

Bankruptcy - XXXX - 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to privacy this Bankruptcy shouldn't be on my credit report, you shared my personal Information without my consent. this is identity theft ; you are criminally and XXXX XXXX - This account are inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 


Incorrect Address - XXXX XXXX XXXX, XXXX, NY, XXXX - Please delete this inaccurate info immediately. 

XXXX XXXX, Experian, and XXXX have violated my rights. 

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 an 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 or 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 if the person knows or has reasonable cause to believe that the data is inaccurate.
Product: Mortgage

I sent a letter is a Notice of Error sent pursuant to 24 C.F.R. 1024.35 The enclosed Assignment of Mortgage that was recorded and filed on XX/XX/2010, with the City Register of the XXXX XXXX XXXX XXXX to claim legal ownership was robo signed. 

Robo-signning has been outlawed in the State of New York. The Assignment of Mortgage was robo-signed by know and admitted robo-signers XXXX XXXX, XXXX XXXX and XXXX XXXX. 

I'm enclosing supporting evidence of fraud showing XXXX XXXX, XXXX XXXX and XXXX XXXX roles as known robo-signers.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, XXXX XXXX representing XXXX XXXX   XXXX, XXXX accepted {$1000.00} as settlement paid in full in reference to a debt from XXXX. On XX/XX/XXXX my credit report stated a derogatory account with a new balance showing? Thats not our agreement and I have it in writing.
Product: Debt collection

I have attempted several times to find out what this collection is on my account. This is not my debt. It was opened in  XXXX  with  a south carolina address. I have been living in north carolina    since   XXXX   and i also checked on the address that is located on this bill and it does n't exist. my rights are being violated according to the fair credit reporting act. I have attached the copy they were suppose to send me verifying this debt. Its clearly not vaild. You can do the research yourself.
Product: Debt collection

They call me every other day 3 times or more a week. I have called them several times explaining I have not received and I will handle it when I get a statement.They said they sent it but I have not received it. This has to stop they are rude to me and arguing with me and hanging up on me so I have stopped answering the calls.Harrassing me will not get this bill taken care of. I have been very patient with this company but this has to stop. Thank you.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act, XXXX Account XXXX for XXXX XXXX has violated my rights. 

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 also states that a consumer reporting agency can only furnish an account with my written instructions.

I have enclosed copies of the letters I sent to the credit agencies, the credit agencies ' responses, a full copy of my credit report, and the discrepancies that the different credit agencies show on the Account.
Product: Credit reporting, credit repair services, or other personal consumer reports

for the last year my score with all three bureaus are running mid 600s i am attempting to buy house so paid down all cards but kept open All of a sudden transunion dropped me 89 points and put my creidt score poor XXXX reason? decrease in balance? i waited thinking it was an error but no it didnt resolve I called transunion om Monday 12 Spoke to supervisor I told him that their scoring system must have a glitch no way score would drop 89 points for lowering utilization First he said it was two old accts that were paid but had late pays and then said no because this data has been on my report doe five years and i have good credit that is taking over He then said i need to use my cards charge them that zeroing balance dropped score I said wait so lowering my utikization dropped my score 89 points? 
the other bureaus have same info and still in the 600s i need help i now lost the interest needed to buy home see my report and alerts
Product: Credit card or prepaid card

On XX/XX/XXXX, I received a text message from my bank regarding a suspicious credit card charge at XXXX XXXX. The {$1000.00} purchase was made at XXXX XXXX on XX/XX/XXXX on Visa XXXX XXXX XXXX XXXX. I was in possession of my card at the time of the transaction and I did not authorize the purchase. I disputed the charge with my bank.
Product: Credit reporting or other personal consumer reports

ive been trying to get experian to do more investigation on the dispute about an incorrect address thats on my credit report that i no longer associate with. everytime i dispute my student loans thats has bene paid off and is been 7 and 10 years ago they send me a stall letter basically setting that is not me either sending the dispute myself or any other excuse when i call they never answer and when they do they send me over to another representative who never answers the phone. XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX is what is showing on my credit report and that is not my address, and student loans such as U.S department of education and XXXX XXXX XXXX it has been paid off years ago and closed. they said thats what my XXXX  loans are reporting but if they actually did their investigation they will see i paid and their closed but theyre not doing so
Product: Mortgage

XXXX LoanCare - https : //www.myloancare.com/app/index.html # XXXX has collected the county tax disbursement twice and never paid to the XXXX County, XXXXcounty trustee is saying they never received the excess or duplicate money and gave the letter to submit to the Mortgage company, in spite of calling several numerous times and emailing the issues several numerous times, the issue is never resolved We need our money back and need advice on how to get this money back XXXX LoanCare support number : Contact Customer Service XXXX Monday XXXX Friday XXXX XXXX. - XXXX XXXX. ET Saturday XXXX XXXX - XXXX XXXX. ET. 

Appreciate your help and support XXXX XXXX XXXX XXXX XXXX Loan NumberXXXX
Product: Credit reporting

i had XXXX collection accounts removed XXXX and XXXX and XXXX closed account XXXX they was removed and then now they are back on my credit report and i never received my 5 day notice which is a fcra violation
Product: Debt collection

I recently checked my credit report & noticed XXXX XXXX XXXX was on there.. XXXX is a 3rd party debt collector according to the XXXX. I refuse to pay this debt to this business that I have never done business or have any obligation or contract with. This company obtained access to my private information unlawfully and has violated my right to privacy. I demand that this company delete this trade line from my credit report immediately. Failure to do so will result in litigation for multiple violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted two times to have ( credit agency ) verify this debt and what methods used to verify this debt. 

According to the FCRA Section 609 a ( 2 ), the bureau must provide me with the method used as proof to verify the bankruptcy and if they are unable to provide it, the bankruptcy must be deleted. 

Also, according to FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 

Credit reporting agencies are required to conduct investigations of disputed items with the furnisher of information. The Bankruptcy Court should be the furnisher of information, not a third-party source such as XXXX or XXXX XXXX 

Per a letter I received from the Ohio Bankruptcy Court, no  verification was done as the courts do not verify information.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged postings of changes and credits. This issue aligns with recent cfpb findings against Navy Federal Credit Union for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my Experian, XXXX XXXX XXXX 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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.

And according to 15 USC 1681s-2 they are suppose to 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.
Product: Debt collection

This bull was for a month of service that I didnt have with XXXX XXXX I dropped the box off a while after I had service stopped but they didnt close my account in the correct amount of time, raised my bill without telling me I was losing the package because I moved.