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

All 3 Credit Bureaus are dinging my credit for Short history. XXXX points. First, this is discriminatory and misleading. I am XXXX yrs old and while some accounts no longer show on my credit. I have at least a 40 year credit related history. My home was paid off with XXXX in 2007. Where is that mortgage history payoff? 
Theres many more examples. These inaccurate credit dings are causing damages in form of higher interest rates on current and future purchases. Bottom line these acts are breach of fiduciary and unlawful. They violate several Federal Consumer Acts. Please correct before I have to take legal actions.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found 30 days late payment on XX/XX/2017. 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.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 1681a, which defines the obligations of credit reporting agencies to ensure the accuracy and integrity of the information they report. I disputed inaccurate information on my credit report account ( # XXXX ), but XXXX failed to follow up or correct the errors. 

XXXX actions also violate Section 1681i, which requires credit reporting agencies to conduct a reasonable investigation when a consumer disputes information. The CFPBs recent lawsuit against XXXX, alleging the acceptance of unreliable information and failure to notify consumers of dispute results, mirrors my experience. This failure has negatively impacted my credit and ability to obtain financial products. 

XXXX negligence in this matter violates my consumer rights under the FCRA, and I request the CFPB investigate and take corrective action.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with 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  ( XXXX XXXX XXXX ) # XXXX, XXXX. XXXX XXXX ( XXXX XXXX ) # XXXX, XXXX FCU # XXXX, XXXX FCU # XXXX XXXX, XXXX XXXX FCU # XXXX, FiXXXX XXXX XXXX XXXX XXXX  FCU Credit Card ) # XXXX, XXXX Bank XXXX # XXXX, XXXX 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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. 1681sXXXX ( A ) ( XXXX ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE TRIED CONTACTING THE FOLLOWING COMPANIES THAT ARE NOT AN ACCOUNT OR REPORTING ON MY EQUIFAX CREDIT FILE. HOWEVER, EACH COMPANY SAID THEY DO NOT HAVE AN ACCOUNT IN MY NAME AT THEIR COMPANY. I HAVE ASKED THEM TO REMOVE THE INQUIRY, THEY SAID THEY WOULD CONTACT EQUIFAX. HOWEVER, MY ISSUE WITH EQUIFAX IS THAT I FILED A IDENTITY THEFT DISPUTE TO HAVE THESE INQUIRIES REMOVED BECAUSE I DID NOT AUTHORIZE AN INQUIRY FOR " FACTUAL DATA '', NOR IS IT REPORTING ANY OPEN ACCOUNTS TO MY CREDIT FILE. I DID NOT AUTHORIZE THESE INQUIRIES AND WOULD LIKE THEM REMOVED IMMEDIATELY DUE TO IDENTITY THEFT FRAUD. THEIR NOT REPORTING ANY ACCOUNT ON MY CREDIT REPORT, SO WHY HAVEN'T EQUIFAX REMOVED THEM?
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates XXXX XXXX XXXX XXXX open XX/XX/year> I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action. 
XXXX DELETE 30 Day late from my credit report due to violation of 15 USC 1681s-2 ( F )
Product: Mortgage

TD Bank has reported me with three late payments in XXXX, during the forbearance period of the pandemic, when not only was I making mortgage payments, but I had established a forbearance arrangement. The impact has been a reduction in my credit score, and reduction in my credit limits with other financial institutions.
Product: Money transfer, virtual currency, or money service

To whom it may concern, Re : XXXX ( DBA of Paypal ) I am not a XXXX   customer, but my credit card information was stolen by a XXXX  account holder. 

I contacted my bank ( XXXX ) regarding fraudulent charges and their internal investigation is currently underway on my Visa card ending in XXXX I then contacted XXXX and this is essentially what they communicated to me : Go away, we won't help you. ( pretty much just like that ).

No, you can't speak to a manager. 
We can't or won't act on the transaction information ( of which I have dates, transaction numbers, amounts, etc. ) to make any inquiries. 

Essentially, we don't care, and we're not going to do anything about it. 

Before you ask, yes, as I said, the investigation is underway with my bank, BUT due to the aggregation of transactions through a single entity ( XXXX ) we can't see in what state the transactions occurred, what persons or businesses were paid, and other information critical to understanding how/where/when this security breach occurred in order to stop future fraudulent transactions, or change the way in which I use my card. For example ; If XXXX requires the 3 digit security code from the back of the card, and/or other verification processes, they would not share that with me, in fact, they basically told me to drop it. 

I'm not dropping it. XXXX needs a serious rethink on their consumer fraud policy. 


I appreciate your time and attention. 
Thank you! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX
Product: Debt collection

The collector ( Professional Dept Mediation, inc ) has reported to credit report that i have a balance with there clients.i do not have a balance.i leaved there for XXXX years always paid on time never late.i completed my rent.They bushed me out because the complex was going to be converted to condo and they where selling them to future owners so old management company who was there for XXXX years got fired replaced by a new company brokers so they can sell and convert XXXX XXXX to XXXX investment.there was a war on administration old to knew.i left when knew company was coming and i did n't want us to renew the lease so i was forced out.that was almost XXXX yrs ago.now they say i have a balance {$3700.00} its a lie .i need help please.
Product: Student loan

{$5000.00} was garnished from my income tax to be " applied '' towards my loan. There is now no record or indication that the money was applied towards my account at all. No one can give me information and I want to figure out who mishandled my funds which is causing me current financial distress and debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXXXXXX XXXX,, XXXX XXXX XXXX  Account Number XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX Act. #, XXXX XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

To Whom It May Concern, I am writing to file a formal complaint regarding a fraud issue with my XXXX accounts. On XX/XX/XXXX, I discovered several unauthorized withdrawals from my checking and savings accounts, total of {$2400.00}. These withdrawals originated from the XXXX branch at XXXX XXXX XXXX, XXXX, NJ. Despite my repeated attempts to resolve this issue, I have not received a proper resolution, and my case has been mishandled. Below are the details of the situation : Timeline of Events : XX/XX/XXXX : Unauthorized withdrawals were made from my accounts, totaling $ [ amount ], originating from the XXXX branch at XXXX XXXX XXXX, XXXX, NJ. 

XX/XX/XXXX : I contacted XXXX customer service and was advised to report the issue in person. I was told it was likely an error on Chases end, and that I would receive emergency funds to cover the losses. I was also informed that I would receive an update within 10 business days. 

XX/XX/XXXX : I visited the XXXX branch on XXXX XXXX in XXXX, NJ in person and spoke with XXXX XXXX, who initiated a fraud claim and confirmed that emergency funds would be issued to cover the losses. He promised a resolution within 10 business days. 

XX/XX/XXXX : I followed up with XXXX and was told my case had been escalated, with a response promised in 5 business days. However, I did not receive any updates after 10 days. 

Late XX/XX/XXXX XX/XX/XXXX : I contacted XXXX again and was told that the case had been closed because the transactions were not deemed fraudulent, as they claimed the debit card was mailed to my address. I never received the card. I was told the case could be reopened, but it would take another 10 days. 

XX/XX/XXXX : No resolution has been provided. I still have not received the emergency funds, and I have not received any updates or an investigation into the missing debit card or unauthorized withdrawals. 

What Went Wrong : Failure to Investigate Thoroughly : Despite my requests, no investigation was conducted into the missing debit card or the ATM withdrawals. Additionally, I have reason to believe that the phone call I had with the teller on XX/XX/XXXX, regarding the fraud claim may provide additional context to the situation. I request that XXXX review the recorded phone call to confirm the details of our conversation, including the promises of emergency funds and the escalation of my case. 

Broken Promises : I was told multiple times that emergency funds would be issued within 10 business days to cover the unauthorized withdrawals. This promise was never fulfilled. 

Inadequate Follow-Up and Communication : Despite being told the issue was escalated, there was no follow-up or communication after the 10-day window. I received no updates or clarity about the status of my fraud claim.
Product: Checking or savings account

After Chime randomly banned my account on XX/XX/year>, I eventually received a refund check for a balance of {$810.00} on XX/XX/year>. However, the extra {$540.00} that was refunded to my " closed '' account from XXXX on XX/XX/year> was missing from the check. I called Chime multiple times and told them that I had made a transaction on XXXX through XXXX, and made them aware the refund was successfully processed back to the account I had no access to. However, they offered me no resolutions and would only tell me they no longer had access to the account and the funds would bounce back to my XXXX within 3-10 business days. That proved to be false and Chime refused to issue me the money that was refunded and also to provide bank statements that would make tracing the funds possible. Chime has already made the past month of living very difficult for me and I want every cent I worked hard for. Attached are chat monologues with XXXX and the transaction made with my Chime Card.

*This is a new complaint not a duplicate*
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I sent XXXX XXXX a certified letter and they received on XX/XX/XXXX requesting that a tax lien listed on my credit bureau by XXXX County be investigated, verified. I got an unsatisfactory response to my request on XX/XX/XXXX which is well beyond the 30 days allotted time to respond. 

I also mentioned that automated response or XXXX verification is unacceptable. I am requesting a re-investigation AND their Method of Verification. 
Additionally, I asked to please be provide the name, address, and telephone number of each person contacted regarding this alleged account. I formally requested a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. I also reminded them that, as in XXXX v. XXXX XXXX XXXX, XXXX. XXXX ( XXXX. XX/XX/XXXX ), they may be liable for your willful non-compliance. None of this was acknowledged or complied with which is a direct violation of the FCRA. I currently have a total personal data security freeze with XXXX, XXXX XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

I found information on my credit report that is not accurate. According to 15 USC 168iEB. You are supposed to assure maximum possible accuracy. This amount should show accurate information according to the Fair Credit Reporting Act. Update ( XXXX XXXX XXXX ) promptly to accurate status as paid in full with no balance owed to XXXX XXXX XXXX per 15 USC 168iEB. Document showing No Bakance owed has been attached to this document.
Product: Debt collection

XXXX XXXX XXXX served me for a debt from XXXX bank from 2004. I understsnd i had a balance but i was charged almost {$4000.00} in fraudulent charges from a kiosk cellphone place ( XXXX ). It was a few months later that i realized about these fraudulent charges. I called XXXX bank to inform them and they told me that it was to late to file a claim. Now 16 years later i was served because they are trying to collect over {$22000.00} that i owe. I spoke to Resurgence Legal Group , PC and explained the situation. They filed a dispute for me. Days later they called me back and told me that the bank had validated these charges and sent me paperwork on XX/XX/XXXX. I explained that i have not received anything and they continued to ask how i would like to pay the balance. Today is XX/XX/XXXX and i still have not received any kind of papers validating/verifying these transactions.
Product: Credit reporting

My TransUnion credit report dated XXXX/XXXX/2016 reflects XXXX hard inquiries for credit facilities for which I DID NOT apply : XXXX XXXX on XXXX/XXXX/16 and XXXX XXXX on XXXX/XXXX/16. I suspect identiy theft and have put fraud alerts on my credit reports. In the meantime, these inquiries need to be removed from my report as they were fraudulent.
Product: Credit reporting or other personal consumer reports

Someone stole my identity and created a capital one, i check my credit my credit went down XXXX points my credit score was XXXX its now XXXX Im very disappointed
Product: Debt collection

I keep receiving notices of debt collection for a XXXX XXXX XXXX XXXX XXXX, under Tennessee state law this is a no impact to XXXX XXXX for the alleged offense and the verbiage contained on the collection letter gives indication of legitimate debt collection practice, but is severely overstepping boundaries. I have already made notice of dispute to all prior parties and will not tolerate contact for erroneous and frankly pointless collection of an unenforceable debt
Product: Money transfer, virtual currency, or money service

Statement is Stating on XX/XX/XXXX was my beginning balance after cashing my IRS check. They charged 4percent of I believe {$4000.00}. The lady quoted me a lower amount but failed to do so saying that it was her computer and could not correct it. 
The Ace check cashing place did not have enough cash on hand to complete the full amount. Putting {$2200.00} on one of their prepaid XXXX account XXXXXXXX XXXX cards which opened some account. They charged me fees per month just having the card in addition to application fees, and Foreign transaction surcharges. Also, municipal online payments for unknown payments/bills. I can give more details of the exact dates, amounts, and times of these things listed above. Thank you for all your help in what you and the staff do for us consumers.
Product: Debt collection

My sensitive info was shared w ith 3rd party. HIPPA VIOLATION
Product: Checking or savings account

There are numerous bank offers online to open a new account with certain stipulations to receive a coupon/bonus directly deposited into your account. I did some preliminary online research, but had questions about the minimum necessary for the direct deposit component of the current offer by Chase Bank, for their Total Checking Account. Coupon/bonus of {$220.00} offered to new customers on new customer accounts by XX/XX/XXXX. I visited a couple of branches seeking an answer to the minimum direct deposit question on XX/XX/XXXX and XX/XX/XXXX. Received some answers from XXXX XXXX in the XXXX, Oregon office and returned later that afternoon with some cash and he assisted with opening the account online. 
Toward the end of the hour long process, which included setting up the transfer of my direct deposit Social Security, XXXX said he needed a coupon code and that most customers bring one in when they open the account. I responded that I never saw a code when i researched the account. He said I would need to go home and get the code and call back the next day with it. 
When I checked the computer that night, it indicated I needed to start the account opening process online and would at some point receive the code. The very first question was am I currently a Chase bank customer. I was directed by customer service and the branch manager to try both answers but either way, it recognized I am now a Chase customer. They claim they have no way to get me the code either in branch or at the CS Escalation Dept. 
They did verify that the Premier Checking account open by XXXX for me as a XXXX XXXX, still qualifies for the {$250.00} bonus, but still need the coupon code. Customer Service said the fact the direct deposit transfer is set up should trigger a {$220.00} deposit within 15 days of the arrival of the first direct deposit. Branch Mgr said, still need the coupon code and they have no way to get one. So at this point they said they can do NOTHING WITHOUT THE COUPON CODE. 
I don't believe this is the way XXXX XXXX wants his bank run. They want to expand their client base not create enemies of the bank. But in the information age it is nearly impossible to talk with anyone in the ivory towers in XXXX. Even if i close the account now, IF you have been a customer within a recent period, you do not qualify for the offer. 
Whatever they need to do, i feel XXXX has wasted my time, as he should have just said go open the account online, because we can not get a coupon code here! Which would have been helpful, but fly in the face of Chase 's corp principles 1. We focus on the customer. 2 We build world-class franchises, investing for the long term, to serve our clients. etc XXXX did open the account online, but for some reason, he could not get the coupon. Now with the amount of my time wasted, I feel they owe me more than the {$220.00}. Not sure I want to keep the account at all with such poorly thought practices. This seems very similar to some the the XXXX XXXX tactics, if somewhat less fraudulent!
Product: Checking or savings account

On XX/XX/XXXX at XXXX XXXX I received a fraud alert, text message from Wells Fargo for {$XXXX} to an unrecognized vendor. I was asleep during this time so I did not see the message until the morning. As soon as I saw it, I selected the option that I did not recognize that transaction. I then called Wells Fargo and disputed a multitude of transactions that all happened between the time that I received that text message and the time that I was able to respond. There were XXXX return transactions associated with my debit card all XXXX amounts slightly above {$XXXX}. Then there were a multitude of {$XXXX} XXXX XXXX  transactions. 
These transactions happened after Wells Fargo notified me about the fraud. Wells Fargo has since denied my fraudulent claim to the XXXX XXXX transactions as stating that is normal spending. It was a total of around {$XXXX} in the middle of the night to a slew of random numbers. This was in no way me and I have disputed it with both Wells Fargo and XXXX XXXX  to which they have denied it. Wells Fargo did take care of the XXXX transactions that originally flagged the fraud. However, they did nothing about the subsequent transactions that are reported as fraud as they happened Between the time of me receiving the throttle alert and me replying to the fraud alert. I do not understand how Wells Fargo can send me a fraud alert and deny transaction however allow thousands of dollars to be sent through XXXX XXXX  at the same time. I then was sent a replacement debit card That never got to me. This debit card was either lost or stolen and Wells Fargo never notified me. My notification was after a long grocery trip with my XXXX young children. My card was declined through XXXX XXXX, as they were able to set that up for me when I called in before I received my physical debit card. Once this happened, I called in to which they told me there was no way for me to receive a new debit card as my address was undeliverable. I live in a neighborhood in the middle of a city with XXXX people. I get XXXX XXXX XXXX And most other couriers all the time. Finally after arguing with the representative and trying to push the issue of the fraudulent transactions and my debit card being sorted out, he was able to rush me a debit card to which I received in XXXX days. Well, that was nice. It is absolutely ridiculous that a debit card of mine was just floating around After Ive already had fraud and I was never notified. Wells Fargo refuses to take responsibility for allowing my bank account to be compromised for almost {$XXXX} and only sorting out {$XXXX} of it. They wanted me to dispute it with XXXX XXXX  with which I did, however, you can only contact them through email and I received a denial with no explanation. Neither company is taking responsibility and I am being left to take all the repercussions for their sloppy security.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I have requested to be opted out from this company reporting of my nonpublic personal information to any third-party nonaffiliates per 15 USC 6802 and the Privacy Act of 1974. Also according to XXXX XXXX and Privacy Rights Act ( XXXX ), it prohibits educational institutions from disclosing personally identifiable information in education records without the written consent of the student, or, if the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX U.S.C.S. XXXX ( b ) ).