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

XXXX XXXX XXXX XXXX XXXX XXXX CREDIT CARD FROM XXXX FOR XXXX. AFTER SEVERAL ATTEMPTS OF DISPUTING THESE CHARGES. I BELIEVE NO INVESTIGATION WAS COMPLETED. I REQUEST A COPY OF THE APPLICATION AND BECAUSE IT WAS COMPLETED BY SOMEONE ONELINE THEY WERE NOT ABLE TO FORWARD MY REQUEST.I HAVE EXPLAINED NUMEROUS TIMES THAT I AM A VICTIM OF IDENTY THIEF. I HAVE WRITTEN IN DISPUTES, I HAVE HIRE A XXXX XXXX AGENCY, I HAVE PLACE ALERTS AND LOCKS, I HAVE PRODUCED POLICE REPORTS AND AFTER ALL THESE YEARS IT IS STILL LISTED ON MY ALL 3 CREDIT BUREAUS XXXX XXXX AND TRANSUNION. I HAVE ALSO EXPERIENCED CREDIT BREACHES FROM XXXX AND TRANSUNION AND TO NO PREVAIL.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I had my first name changed last year to XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX. I reported this to all credit reporting agencies Experian, XXXX and XXXX. This last couple months I tried to apply for a loan and it say I dont have any credit history and so most of my applications got denied. I have a long credit history from my previous name used and I still see my old name showing on all credit reporting agencies. Can we please fix this issue? Would like to hear from your office as well. Appreciate your time. XXXX XXXX XXXX XXXX
Product: Student loan

They have for communication skills XXXX XXXX claims they put me in a loan rehabilitation program for XXXX dollars a month for nine months I have mailed the paper back three times and they claim they have never gotten it so now I have a put my loans into default with a they 're debt collecting agency Threatening me on how they are going to get their money obviously someone is not doing their job because every time I mailed the paperback they do n't get the paper so something is wrong here they also claim they can not postpone my payments so they gave me the option of a loan rehabilitation program
Product: Checking or savings account

On XX/XX/2024 my wife received a call from a person identifying herself as employed by the Chase Bank Fraud Department. She said there was a problem with our checking account at the Chase Bank. She asked my wife to go to the bank and withdraw {$5000.00} and take it to another Chase Bank office and re-deposit it. My wife withdrew the {$5000.00} and drove a few miles to another Chase branch and deposited at the auto teller. The caller continued the call all the time my wife traveled to the two banks and gave my wife the number she was to use to make the deposit. The number was my wife 's debit card number which she had not given to the caller. After she deposited the funds the auto-teller did not give her a receipt but after the money was deposited when my wife went to get a receipt the caller told he that she had already selected for her to get a receipt by email and a message appeared on the screen that said a receipt would be emailed to her. The caller said she would call my wife again on XX/XX/XXXX and she hung up. My wife came home and told me about this experience and we were very uncomfortable so she called the branch where she made the deposit and spoke to an employee identified as XXXX. She explained what had taken place and XXXX said she would file a claim with the Chase Fraud Dept. and get back to my wife. 
There was no return call so my wife called the branch where she had made the deposit and asked to speak to XXXX but she was not there. The bank employee said she could not find any claim but she would file a claim. My wife asked to be transferred to the Fraud Dept and was put into a call wait line and told to leave her number and they would call her back so she hung up. She then called the number on the back of her debit card and cancelled the card and was told she would be sent an new card. A new card arrived about XXXX weeks later. She called the number on the back of the new card and spoke to a man in the Fraud Dept. whose name she was not able to understand. He told her that this was a case of stolen identity and it would take about 10-15 days to investigate but the bank would refund the money and he would get back to her. No call came from the Fraud Dept so she called again on XX/XX/XXXX and spoke to two men and then to a woman manageXXXX named XXXX and was told that she had been scammed but the bank had no record of the deposit of {$5000.00} so there was nothing they could do.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies are recklessly failing to follow reasonable procedures XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  I have been asking for following account to be remove my credit do to false reporting and also the have not provided me with the model notice XXXX or XXXX form the creditors, this is required by the FCRA 623 ( a ) ( 7 ).

This is not a verification request, please remove these accounts. This is the third and final request.
Product: Checking or savings account

On XX/XX/XXXX, I learned that my checking account with Bank of America was overdrawn. As a result, I was charged at total of {$140.00} in overdraft fees. I've banked with BofA for 2 decades so, I called them first thing the morning of XX/XX/XXXX and explained to them what caused the error and that I would fit it today. I rarely ever had any overdraft fees. I asked them to refund the fees as times are very hard right now. Instead of refunding me the full {$140.00}, Bank of America would only refund {$35.00}. This is such a disheartening and disgraceful response from a bank that repeatedly reaps the benefits from Federal assistance during COVID-19 and they make all these grand statements about how they are " here to help customers '' during this time.
Product: Debt or credit management

I was charged fees for assisting me with credit repair. Some charges I was informed would be removed only to see they were still on my credit report. After I canceled the service, I was still charged.
Product: Consumer Loan

I have XXXX company 's rise and XXXX, XXXX that have been sold to another lender and a couple with late payments that is over 7 years old
Product: Credit reporting 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, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Ive pulled my credit report Both on your website as well as XXXX XXXX and have found some inaccurate information that requires removal. I have a new employment opportunity coming up and I know they'll pull my credit report and this false information will hurt me. 

( XXXX XXXX number XXXX ) I was not late on XX/XX/year>, which is reported as 30 Days late on Transunion, XX/XX/year> on XXXX, and XX/XX/year> XXXX. Remove this late payment for inaccuracy and update to paid as agreed. 

I have never been late on any payment and would like this updated to paid as agreed.
Product: Credit reporting or other personal consumer reports

Hi, I am XXXX. Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to reasonably reinvestigate disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experian, citing systemic failures, including not forwarding consumer-provided evidence to furnishers, relying on unreliable responses, and failing to notify consumers of dispute outcomes adequately. These issues reflect my experience, as Experian has not corrected or removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I request immediate corrective action to amend or remove the disputed accounts, as XXXX inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to XXXX, Experian and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. They removed some reports from XXXX but they were not able to remove it from Experian and XXXX. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX  you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX XXXX XXXX Direct Violation of The FCRA Reporting falsely UndeXXXX XXXX XXXX Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
XXXX XXXX XXXX for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : 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 XX/XX/2023 XXXX. XXXX XXXX - XX/XX/2023 XXXX. XXXX XXXX  XXXX - XX/XX/2023 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX - XX/XX/2023 XXXX. XXXX XXXX XXXX - XX/XX/2023 ncorrect Name - XXXX XXXX XXXX Incorrect Address - XXXX XXXX XXXX, XXXX, FL, XXXX - Please Delete Immediately. 
EMPLOYER - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been an enormous amount of fraudulent inquiries on my credit report due to my personal information being hacked. I have reported this to each credit bureau identifying that I have been a victim of fraud. The only credit bureau that has been great with helping me is XXXX. Trans Union and XXXX refuse to investigate the fraud inquiries listed on my credit report that were all done online, not one of  these inquiries were done in a store where I had to verify identification. I have tried to dispute these inquiries but the Credit Bureau continue to response and say that the information is a factual record, however ; it clearly indicates fraud. Some of these inquires are listed twice by the same creditor on the same exact day or within 30 days, clear indication of fraud. No creditor needs to pull a hard inquiry more than once in 30 days. I have urged them for their assistance and they refuse to be of help.
Product: Credit reporting or other personal consumer reports

I lack any information on this matter, and the company acted without my authorization.
Product: Credit reporting or other personal consumer reports

I am filing a compiaint against Equifax for failing to propery investigaie my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

XXXX XXXX XXXX made a law suit against me on a debt that I do not have. They sent out a packet around XXXX or XXXX of XXXX to be complete concerning the debt. 
I never was associated with the debt or heard of it. I receive a summon to appear in court around XX/XX/XXXX and I explain to the the attorney the debt is not mine and I sent the packet to this company. A new XXXX  date was set in XX/XX/XXXX and there the attorney stated the packet was receive. Now I must go to XXXX  again on XX/XX/XXXX, about this debt with this collection agency. 

It appears to me that this is a game that collection plays in hopes that you do not show up to XXXX to obtain a judgement against you. So they can collected funds from your job or benefits. I have never heard of the CFPB and I pray your services can help me. 
I pay my debts and I have been in this situation in the pass and my bank protected and credit card company protected me. 
There must be something that can keep these collection agencies placing their false information on your credit file. Please inform me what I need to do to protect my self from such collection tactic. Take care and I appreciate any information that can guild me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Equifax credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX Date Opened : XX/XX/2019 Balance : {$2300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to fix these problems c redit bureau- My lawyer  and I are getting ready to file a lawsuit.     Please remove these inquiry from from my credit   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   someone else tried to get a car in my name and all these inquiry popped up i have called numerous of times the companie tell me to contact bureau and bureau tell me to contact company Judgement case number  XXXX  amount  XXXX  - this account has been paid in full.     These items were deleted and reappeared - Also these accounts are closed!!!! please remove. Balance is  XXXX  ON ALL OF THESE ACCOUNTS   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   This is my  last  time before I sue all  XXXX  credit bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient holds 8 students loans of mine, and I have been in deferment since day one due to income. However they have all eight accounts showing extremely late like 120 days and I've never even had a payment agreement to be late on. I've written them several times with no changes and no reply. I've left my number, email, address and I've gotten nothing. I called once but the person didn't make any sense so I wrote in to have proof of correspondence. The person I spoke with ( XXXX ) stated she doesn't know anything about credit reporting and that I should call back in the early morning because managers are there at that hour. Like I said ; it didn't make much sense to me so I wrote in. I've also been disputing it with all three credit bureaus and I'm going on month ther three with no response or change. This is creating a huge drop in my credit score and creating problems with even being able to rent a home. Because my score drops so significantly because it's 8 different loans so they hit me 8 times. I really need this taken care of. Any help would be greatly appreciated. 

Thank you so much!
Product: Debt collection

XX/XX/XXXX I was hospitalized I the XXXX due to XXXX. My insurance as an XXXX XXXX member ( civilian ) of 14 years covers my hospital care minus my copay. Everything else is paid including who sees me in the hospital during my stay. XXXX XXXX XXXX ( XXXX XXXX XXXX ) saw me while in the hospital for a total of 5 min each time. XXXX XXXX  paid my hospital claim months before the very same amounts were fraudulently billed twice ( Dates of service XXXX ) but this time XXXX billed and coded them as office visits as if I went to his office when we know that to be false because I was half dead in my hospital bed. Now his office is committing insurance fraud and billing the insurance with duplicate claims knowing any insurance with a conscious would reject them. Once rejected and reprimanded by XXXX they chose to bill me for services that were already paid for by XXXX. Again, insurance fraud. On XX/XX/XXXX they assigned a collection agency Merchant & Prof for claims that were settled by XXXX in XXXX. I have tried to tell both them and XXXX office that Im stuck in the middle of this and I do not have a patient balance. The collection agency rep  XXXX was condescending and rude. He hung up every time I called them. Even after being sent the Explanation of Benefits from XXXX inXX/XX/XXXX showing a XXXX patient responsibility to their client, the agency is still falsely reporting this debt. They continue to defame my name and financial integrity. The issue isnt payment history as my track record is excellent. The issue is that XXXX XXXX XXXX, XXXX XXXX XXXX, and their collection agency Merchant & Prof are committing the crimes of Insurance Fraud and extorting consumers into paying claims theyve illegally duplicated. Which is why the duplicates were rejected by the insurance. Ive disputed on all 3 credit bureaus but XXXX and XXXX are still under investigation. The fact that this level of fraud is allowed by the credit bureaus is a clear indication that consumer protection and security dont exist. How can they allow fly by night collectors to report false tradelines?
Product: Debt collection

I, XXXX XXXX, a federally protected consumer has attempted to reach out to Trident asset management to receive credible information to validate and verify the alleged debt. I sent a debt validation and cease & desist on XX/XX/2022 and have yet to receive the information requested from the company. I have never signed a contract with trident asset management and do not owe this alleged debt. This has violated my consumer rights and disregarded my attempts to assess the alleged debt.
Product: Credit reporting or other personal consumer reports

on XX/XX/2024 I requested that the three credit bureaus XXXX, Equifax and XXXX remove the Bankruptcy or sub press it from the report.
Product: Payday loan, title loan, or personal loan

Due to the Corona virus situation, I try to talk to lendingclub about the options they offer during this financial period but their online service is down and the call center isn't answering. I waited a total of 7 hours for the last 4 days to contact any personal from lending club but no luck at all. At one point, after waiting two hours they answe my call finally on XX/XX/XXXX. Although they offer deferment for two months yet the interest is still would be accruing. That is unacceptable.
Product: Money transfer, virtual currency, or money service

On XX/XX/2018 I went into the Bank of America Branch at XXXX XXXX XXXX XXXX at approximately XXXX XXXX. I was able to make my credit card payment, but they declined to assist me in sending a wire transfer. I spoke to the Assistant Manager who assisted me on making the credit card payment, then asked to speak to the Manager to get this completed. His complete reasoning was more or less lack of scheduling management on his end. There were multiple employees sitting in the lobby and 2 employees assisting myself. I surely wanted to complain about the Manager XXXX XXXX for declining to assist me with money that I was going to send to my real estate agent so I can purchase a property in TN. Hopefully this does not cause me to default on my loan contract with my mortgage lender. At this point, I will have to consult legal counsel and weigh my options with them. For you to review this, the transaction ID for my Credit Card payment was XXXX XXXX - XXXX  XXXX XXXX  ** XXXX. Payment was for {$100.00}, transaction time was XXXX XXXX PST.