23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/XXXX XXXX XXXX XXXX posted an unauthorized transaction to our Chase United Airline ( co-branded ) Visa card. XXXX XXXX XXXX had no authority to charge the account. The last authorized charge was in XX/XX/XXXX ( two years ago ) for {$29.00} ending a month to month contract for my son, XXXX, who is not an authorized user. I disputed the charge and it was resolved in my favor. 
On XXXX XXXX XXXX again charged the Visa card. There was no explanation, just a charge. I disputed the charge telling Chase XXXX XXXX XXXX has no authority to charge our account. I told them that the only way that they could have the credit card number is if someone went into our XXXX file and stole our account number. In this case, with no explanation, Chase simply told us we must pay the charge. I note that we have received a new physical card since XXXX and it is impossible for XXXX XXXX XXXX to have the CVV number. I demanded from Chase that they show the contract XXXX XXXX XXXX claims we have, and the credit card number with signature and CVV. Chase refused. I told Chase that when we contacted XXXX XXXX XXXX the local manager said that they have no record of any active account charges attributable to any authorized user and can offer no explanation as to why this appears on my bill. Chase has been entirely uncooperative in resolving this dispute and refuses to provide any information as to why the merchant believes this is an authorized charge. THIS VIOLATES OUR CREDIT CARD AGREEMENT RELATING TO PLAINLY UNAUTHORIZED CHARGES FOR SERVICES THAT WERE NEVER ASKED FOR, SIGNED FOR, OR PROVIDED. 

Please help clear this charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm " XXXX XXXX, '' and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX Balance : {$14000.00} ; XXXX XXXX XXXX XXXX Balance : {$900.00}
Product: Debt collection

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so i may review to see if this is actually an account that belongs to me.
Product: Checking or savings account

I bank with Suntrust ( Now Truist ) Bank In Florida. On XX/XX/2021 I received a phone call from employees ( XXXX girls which I will refrain from giving out there names because I have a XXXX ) at a branch in XXXX Tennessee and they asked me if I was just in the branch. I responded back with " no, I am currently in Florida and live here ''. They then frantically said " We'll call you right back!! ". Something did not feel right so I logged into my online banking and noticed {$9500.00} cash withdrawal done from my checking account and a pending wire transfer for {$82000.00} from my savings account. I immediately called that branch back after hearing nothing back and I got a teller who proceeded to tell me " The girls are working on it '', I AGAIN never heard back from them. I went to my local branch in XXXX XXXX XXXX. Florida and a wonderful banker who has been the most help in all of this named XXXX XXXX who immediately froze my accounts. She spent hours with me opening new accounts, calling the fraud dept, and even personally writing a " check list '' of things to do to avoid future fraud. The SunTrust XXXX dept who was supposed to call me in 3 days per policy did not call until about XXXX WEEKS later but XXXX called me. I then was told from the SunTrust XXXX XXXX that I was able to get my {$9500.00} back but that unless XXXX Bank ( where the funds were wired to ) was able to get the money I was basically out my $ XXXX. At this point I was very irate and thankful that I have a daughter in banking who told me this can not be the case and that I am protected by XXXX XXXX and that I will get my money back. It is now XX/XX/XXXX and I have not heard XXXX word from SunTrust XXXX XXXX, I do not have XXXX XXXX of my money back and I am just beyond words. I have banked with SunTrust for over 30 years and the employee negligence that has happened, the horrible customer service from fraud and the lack of communication is beyond me. What if I was purchasing a home the next day and now I was out those funds? I have refrained from filing this report in hopes I would of heard something by now, but this is past that, I don't want to hear from anyone at this point, I NEED MY MONEY. I didn't get scammed personally and did these transactions myself but this was employees who did not do their jobs properly. The XXXX red flag was the {$9500.00} cash withdrawal which is right under the CTR limits, some banks have there bankers check off on {$2000.00} or more in cash withdrawal yet XXXX raised no red flags to these employees. The best one yet is the fake drivers license this fraudster made was a Tennessee state license and the # XXXX did not even match my driver 's license # which I know is probably on my profile. The signatures do not even match. Nothing!. But the fraudster knew she had them so she then proceeded to do the wire which both girls signed off on. I know they have to go through much training to avoid this from happening so this again is beyond me. Suntrust, I need my money back, for my family and because its my hard earned money. CFPB Please help!
Product: Money transfer, virtual currency, or money service

1 / I made a first transfer of XXXX the XX/XX/XXXX from my account XXXX to my account coinbase without putting a refernce transfer. 
You sent me an email telling me that you can not process my deposit sent on XX/XX/XXXX and that I will be refunded ( see attached screenshot ). 
TheXX/XX/XXXX you have refunded my deposit of XXXX. 

2 / I made a second transfer of XXXX the XX/XX/XXXX by adding this time the reference of the transfer that I had not put the first time : XXXX. 
Despite the addition of the reference, you sent me a second email telling me that you can not process my deposit sent on XX/XX/XXXX and that I would be refunded ( see attached screenshot ). 
Except that I still have not received this second reimbursement ( see account statements XXXX and coinbase ). On these statements, you will see : a charge of XXXX the XX/XX/XXXX a credit of XXXX the XX/XX/XXXX a debit of XXXX the XX/XX/XXXX and nothing! no refund!
Product: Credit card

Attempting to dispute a charge and the credit card company is not doing anything and is requiring a minimum payment even though I am disputing the entire amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax added a fraudulent address to my credit report that had already been reported and removed for fraud. Equifax is also using this fraudulent address to keep fraudulent accounts on my credit report. 

Adding information to my credit that has already been removed for fraud is both negligent and fraudulent on Equifaxs behalf. 

Equifax stated my account was properly investigated. How is that possible if the open date is incorrect, the date last active is incorrect, the date last reported, and other data is not accurate? This is grounds for removal of the account, they also violated my rights under : 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 Also the Credit bureaus took more than 30 days to complete my investigation ( received in XXXX ), here is my certified mail tracking : Equifax - XXXX - Delivered XX/XX/XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX is inaccurate reporting an item on my credit, XXXX TransUnion and XXXX  are allowing this to happen and have continued to disregard my request to validate this account and remove the inaccurate items from my credit report. 

1. Date Opened is listed different on multiple credit bureaus. 

2. This account XXXX Has FCRA Violation. 

3. This account is being RE-AGED FCRA Violation. Date of Last Activity is being RE-AGED every month. 

3 different dates on each credit bureau. 
- Date Open Different on credit bureaus -Date of Last Activity Different on credit bureaus -Date last reported Different on credit bureaus 4. Last reported dated inaccurate. 

5. This account was a Business Account not a Personal Account and is being paced on my credit despite my several attempts to contact XXXX XXXX XXXX and XXXXXXXX XXXX and TransUnion correct and remove this inaccurate info from my credit report. 

6. The Balance is outrageous!! {$16000.00} for 1 months rent?? This is insane!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent addresses are reporting on my credit report. 

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

Want to dispute account need full validation that's on credit reports by XXXX XXXX XXXX   Date : XX/XX/2018 Amount {$1000.00} Date is incorrect Company continually adding to report and contacting from a 3rd party agency Need full validation of account being accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third time challenging this company to remove the collection on my Credit report. 

Additionally, I have requested for them to send me the information that the seller is providing them to determine that this is in fact me. I need DOCUMENTS. How is it that that are staying that they are verifying that it is me w/o providing me with the proper documentation to prove it is me. Ive sent in everything theyve required. I need for this company to send me the info they have in file ( all records ) indicating that this account belongs to me. If they arent willing to provide me with documentation, I need to see what they are using to verify it is me. 

Please Advise!
Product: Debt collection

i have explained to creditor XXXX XXXX XXXX XXXX that i lost my temp job and do not have another job yet. the response from the customer service representative was " you'll be getting unemployment insurance. '' I did not ask this debt collection agency to be my financial advisor. they have been incredibly aggressive in calling every other day at one point. they have attached a letter dated XX/XX/XXXX from capital one showing a lump sum owed of {$19000.00} but there are no other attached documents showing the breakdown of these prior credit card services. they have insisted i pay more minimum payments than i can afford to pay. they have called XX/XX/XXXX at XXXXXXXX XXXX ; XXXX at XXXXXXXX XXXX ; XX/XX/XXXX at XXXX XXXX. they have called on sundays as well and i have asked them not to call me on sun. despite this request they have continued to call. i have cobra health insurance expenses as well as student loans. they have called my mother in another state from whom i am estranged. they are in violation of any reputable debt collection practices. they are calling on my cell phone, my only phone, and so i am paying the cellular company to have a debt collector call me. this is badgering consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Negative reporting from XXXX XXXX We have account info data that the mobile phone was paid in full in XXXX and the insurance premium care of XXXX was canceled and we have documentation from XXXX to confirm. Unable to reach out to company or talk with anyone in the credit XXXX but yet we can log into my account and it shows it's paid in full and cancelled. Please help we have perfect credit and this is incorrect and a big inconvenience Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX Balance : {$170.00} ; XXXX XXXXXXXX XXXXXXXX Balance : {$260.00}.
Product: Credit card

Contacted credit card immediately after realizing there was multiple charges made on my card that I did not recognize. Spoke to them multiple times explaining the situation. Gave them documents backing up my explanation. They have approved for out of the 12 charges to be disputed but denied the other eight. Called back immediately explaining that I spoke to the company directly. Company was unwilling to refund me even after recognizing what went wrong on their end. Called back the credit card explaining my interaction with the company regarding the charges. Was then told to go back to the company and basically beg for them to refund. I have now acquired more documentation supporting my dispute with no resolution.
Product: Credit reporting or other personal consumer reports

SYNCB/QVC XXXX XXXX XXXX XXXX XXXX, PA XXXX Dear Sir/Madam, I am writing to dispute a hard inquiry that appears on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ) Section 611, I am requesting an investigation into the validity of the inquiry and its compliance with FCRA regulations. SYNCB/QVC  ( XXXX Credit Card ) Date of Inquiry XX/XX/22. This is what I reviewed and I believe that this hard inquiry was made without permissible purpose or without my consent, which violates my rights under the FCRA. According to FCRA Section 604, inquiries into my credit report must have a permissible purpose and must be initiated with my consent. I have not authorized this inquiry, nor do I have any association with the company listed. Furthermore, FCRA Section 611 requires that inaccurate or unverifiable information be promptly corrected or removed from my credit report. Since this inquiry was made without my consent and does not reflect any legitimate credit activity on my part, it is both inaccurate and unverifiable. I am hereby requesting that CFPB investigate this matter and provide documentation verifying the legitimacy of the hard inquiry. If no such documentation can be provided, I request that the inquiry be promptly removed from my credit report in accordance with FCRA regulations. Please provide written notification of the results of your investigation and any actions taken to address this dispute within the timeframe specified by FCRA Section 611.Thank you for your prompt attention to this matter.
Product: Debt collection

I dont understand I got a letter from synchrony bank, regarding a mattress firm account which I knew I never opened an account with this company so I was surprised when I got that letter because I never even receive a bill so I dont understand
Product: Credit reporting or other personal consumer reports

Per XXXX XXXX XXXX ( XXXX ) ( d ) : if an investigation finds incompleteness or inaccuracies, the furnisher shall notify the other credit reporting agencies. This inaccurate and invalidated and illegitimate account was deleted by experian due to these reasons and Equifax and XXXX were to be notified yet XXXX and Equifax are still furnishing it. XXXX and Equifax are neglecting to comply with the FCRA and continue to allow erroneous information to persist on my credit report. This is a clear violation of Section XXXX of the FCRA. They have caused inconsistencies that can is harming my financial well being. This is also a violation of XXXX XXXX XXXX. DELETE this inacurate, unverifiable, and illegitimate account from my credit profiles on Equifax and XXXX. 
SEE ATTACHED LETTER
Product: Student loan

In XXXX, XXXX there were 2 loan disbursements- {$860.00} & {$1100.00}. The company also did disbursements in XXXX, XXXX ( these disbursements do not show in the account history ). The disbursements were returned to GSMR to the school, because the classes were dropped. The following personal payments were made by me XX/XX/XXXX- {$1100.00} & {$700.00}, XXXX, XXXX {$750.00}, and XXXX, XXXX {$1200.00}. The XXXX payment was made to pay the loan in full, however at that time, I was unaware the disbursements were being returned. I learned this on late in XXXX, XXXX when I received a bill from the school. I looked at the GSMR account online and the history showed what I described above. Disbursements equal to {$1900.00} and Payments equal to {$3800.00}. I called GSMR on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Each time they could not explain to me how much they disbursed. On each call I was told I would have a call back within 48 hours. I did not get any returned calls. I also called the school in this time frame and they were unable to explain to me what happened, however they said they would call me back, which they did and they explained the disbursements were returned and told me GSMR admitted to them they owed me a refund. On the XX/XX/XXXX call to GSMR, the rep admitted to me they owed me a refund, however it would be 8 weeks before I would get the check! I asked what the amount of the refund would be and she didn't know but PROMISED to call back XX/XX/XXXX with an accurate refund amount. I told her if I did not get a call I would be returning the {$1200.00} payment. She did not call. Now on the website the disbursement amounts are the same however the payment amounts are different. I have proof what I paid them and when. They haven't applied all the payments to loan and they are NOT being transparent with the loan amounts or how where or when the payments are being applied. 
.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have found that there are multiple abuses on the inquiry sections of my credit report knocking down my score from XXXX XXXX XXXX to XXXX! Quicken Loans went into my report onXX/XX/XXXX again on XX/XX/, XXXX  XXXX XXXX XX/XX/ again XX/XX/. XXXX XXXX XX/XX/ again on XX/XX/. This is abuse I think they are trying to keep me from buying a house in the area. I was told I don't have a credit score,  which is a lie. XXXX XXXX gave me three fico scores in XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. I received these scores over the phone from XXXX. I lost the house that I was interested in buying over this playing around with my score. I want my points back. This was a great disservice and even though I have a 40 year credit history through XXXX XXXX XXXX it doesn't appear on my report. So I started over again with XXXX and I have a XXXX XXXX Credit Card 4 months ago. My score was just updated to XXXX XXXX XXXX, XXXX   XXXX had this abuse not happened I would be well into the mid 700 's, since I have no derogatory marks against my credit or late payments.
Product: Vehicle loan or lease

Ally Financial Subject : Formal Dispute and Demand for Correction of Inaccurate Late Payment Reporting Dear Ally Financial, I am writing to formally dispute the inaccurate reporting of late payments on my account ( Account Number : XXXX ), as reflected on my credit report. Despite the account being closed and marked " Paid in Full '' as of XX/XX/XXXX, your company has reported late payments inconsistently and erroneously for the years XXXX and XXXX. 

XXXX XXXX with XXXX XXXX : No late payments were made, as evidenced by my payment ledger. This is consistent with my records and contradicts any implication of delinquency. 
XXXX : Multiple monthsXXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX incorrectly reported as 30 days late. These reports are false and fail to reflect the actual payment history. 
This is a direct violation of my rights under federal law regarding accurate and complete reporting. 
Applicable Violations Failure to Ensure Maximum Accuracy FCRA 607 ( b ) : Furnishers of information are required to ensure the maximum accuracy of the data they report. These repeated inaccuracies reflect a failure to comply with this standard. 
Failure to Correct Inaccurate Information FCRA 611 ( a ) ( 5 ) ( A ) : Once a dispute is filed, inaccurate or incomplete information must be promptly corrected or deleted. Reporting late payments after disputes without proper correction is unlawful. 
Continuing to Report Inaccurate Late Payments FCRA 623 ( a ) ( 2 ) : It is unlawful to continue reporting inaccurate late payments without updating them after a dispute. This directly applies to your reporting for XXXX. 
Re-reporting Disputed Late Payments FCRA 611 ( d ) : Re-reporting of disputed late payments without proper certification of accuracy is prohibited under the FCRA. 
Demand for Immediate Resolution Correct the Reporting : Update the payment history for XXXX and XXXX to reflect the accurate payment ledger and remove all false late payment entries. 
Provide Written Confirmation : Send me written confirmation of these corrections once the updates are made. 
Prevent Future Errors : Implement procedures to ensure that my credit information is reported accurately and consistently across all credit bureaus. 
Notice of Legal Action Failure to address these inaccuracies promptly will leave me no choice but to escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). Additionally, I reserve the right to pursue legal remedies for damages caused by the false reporting of late payments, which have harmed my financial standing. 

I expect a written response and resolution to this dispute within 30 days of receipt of this letter, as required under the Fair Credit Reporting Act ( FCRA ). Thank you for your immediate attention to this matter. 

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

I feel puzzled right now XXXX I have no idea what is going on over there at the CFPB. Ive submitted this same complaint twice already but you still claim Im not the one submitting it. This to me is just foolish. So Im submitting it again hopefully for the last time. Experian has not been complying with Fair Credit Reporting Act ( FCRA ). I submitted a complaint/dispute about the information listed below. I was the victim of identity theft & the account and public records listed below were opened fraudulently & without my knowledge, consent or authority. I provided them with documents which demonstrated this legal issue but they have ignored these documents. They claim they verified the account and public records without providing me with any legal documents, contracts or verifiable proof they were opened by me. They are not adhering to section 605b by blocking or removing them from my report. Additionally they are violating sections 616 & 617 for willful noncompliance & negligence. I need this account and public records blocked/removed from my credit file per FCRA. 

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

I am a victim of identity theft. I have filed with the FTC and other law enforcement agencies to remove the information from my consumer reports as required however the credit report agencies refused to remove the items listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity Thief XXXX XXXX XXXX XXXX XX/XX/2021 {$6300.00}, XXXX XXXX XX/XX/2021 {$510.00} XXXX XXXX XX/XX/2021 {$1300.00} XXXX XXXX XX/XX/2021 {$770.00}