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

XXXX XXXX is reporting inaccurate to Experian, XXXX and XXXX. I have never been late on any payments. Date XX/XX/XXXX, amount {$550.00}. I tried contacting XXXX XXXX asking to have my account updated to paying as agreed on all three bureaus. I was advised that my request would be forwarded to the proper department to review and update. Nothing has been updated on any of my credit bureaus. XXXX XXXX, Experian, XXXX, and XXXX is violating my rights as a consumer under Section 15 USC 1681A.

There are about 30 inquires reporting on all three of my bureaus that I never authorized or gave consent to anyone at the reporting companies to run my credit. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Experian is reporting unauthorized inquires from XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX. 
XXXX is reporting unauthorized inquires from XXXX XXXX XXXX XX/XX/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 is reporting unauthorized inquires from XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX.
Product: Debt collection

I have asked this compnay to not contact me at work as I work at a hospital and can not receive phone calls. They recorded me stating this and still continue to call.
Product: Vehicle loan or lease

PNC Bank Auto Loan After getting approved for my auto loan from PNC Bank I could not access their website to set up automatic payments. I tried multiple times. Finally I set up automatic payments through my bank account to get there a week early. After the first payment I started getting texts and mail saying that my account was past due. I checked my bank account and sure enough it had gone out early so should have been at PNC for at least 10 days at that point. I called to see what was happening at PNC and they said this happens all the time. It usually takes them 2 weeks to enter checks that are mailed. Once they entered the payment the overdue fee would be removed and they would make sure that my credit report wasn't affected.

Second month, late notices started again. This time I checked my credit report and sure enough, it was showing I paid late. I called again to see what happened to confirming I paid on time but this time I got a disaffected, if not honest rep who told me that the only way to ensure my payments are entered on time is to set up automatic payments on the PNC website. I told him I had tried and he helped me get logged in but said I needed to mail the application in, it would take a few weeks and that no one at PNC would fix my credit report but that I could file a complaint with CFPB.

Here I am with PNC statements showing only one payment made in XXXX months, late fees and a lowered credit score while three payments have come out of my account. I have set up automatic payments as they suggested. 

It shouldn't be this hard. It's as if they know that using antiquated, confusing processes help make them more money in fees.
Product: Student loan

Every month the interest gets higher and higher. It 's very hard to fix it, soon i will not be able to afford paying for this loan. This company is currently making students like me in a higher debt than we should be in, because i got an education.
Product: Checking or savings account

Wells Fargo atm ate up my money and won't return it. This incident happened on the XXXX of XXXX, between XXXX XXXXXXXX XXXX and the total amount is {$2100.00}. I had {$4500.00} cash which I was depositing. I used the wallet app on my XXXX and used the tap feature that was on the ATM. I put in around {$2200.00} and It was raining heavy and the bills got a little wet, so the ATM was trying to return some of the bills back. It returned 3 bills of {$20.00} and then the thing jammed on me. It was trying to return more bills but it couldn't and after 5 minutes of it trying, it just jammed up, and an error popped up 'The ATM can not accept any deposits at the moment '. It did not provide me with any confirmation or any receipts. I went inside the bank immediately, told the bank teller about it and they told me that they couldn't do anything because the ATM was not serviced by them. They told me to call the XXXX number and submit a claim, which I did. I deposited the rest of the money I had inside the bank. I submitted the claim at XXXXXXXX XXXX on XX/XX/XXXX, but they messed up the first claim, they put in the wrong amount and then a week later I had to make another claim, on XX/XX/XXXX with the correct amount. I double checked everything so that there weren't any mistakes this time. Fast forward to today ( XXXX XXXXXXXX XXXX ) they told me that my claim was denied because they couldn't find any transaction on my account. I put in a request again and they asked me the location and the ATM ID which I provided to them. The location of this Wells Fargo is XXXX XXXX XXXX, XXXX, AL, XXXX. The ATM number is XXXX. The total amount of money that was jammed in the ATM is {$2100.00}. The ATM had a camera on it and along with that, I went inside the bank to talk to them as well. I received a temporary credit of {$2100.00} on XX/XX/21 and they said that they are looking on the issue. Today, on XX/XX/21 I received a letter which said that the bank could not find any such deposit, so they were going to deduct the temporary credit of {$2100.00} on XX/XX/21. I need help because I legitimately deposited the money and they can check the security cameras on the ATM for the given date. I dont know what steps to take further.
Product: Credit reporting or other personal consumer reports

As Equifax 's records show, various requests were sent via certified mail requesting original documentation from the furnishers under Section 609 of the FCRA. These requests were ignored and never fulfilled. In addition during a recent meeting at the XXXX XXXX XXXX XXXX ( Small Claims Division ) on XX/XX/year>, Equifax corporate representative XXXX XXXX recklessly and maliciously left multiple copies of electronic dispute verification documents containing my full name, social security, address, date of birth, full account numbers etc. XXXX XXXX intentionally committed additional violations yet she carefully redacted all the last names of the representatives from the furnishers Equifax claims verified the disputed accounts. XXXX XXXX 's actions have put me at risk for further identity theft and as a result this violation and other violations will have to be resolved at a later date in a US district court of competent jurisdiction as stated in 15USC 1681p.

In addition, there are several charged off accounts ( or discharged accounts ) which should be deleted from my credit profile because according to the Supreme Courts these credit furnishers can not collect discharged debts. These furnishers may not make any attempt to collect a discharged debt. These furnishers can not assert a deficiency, or otherwise try to collect from the debtors personally on discharged debts. Creditors who violate this order can be required to pay debtors damages and attorneys fees. 
XXXX XXXX XXXX1.pdf Equifax 's continued refusal to remove these charged off accounts is a clear violation of 15 USC 1681 n and 15 USC 1681 s-2 and 18 USC 1001 as well . 

According to the attached Internal Revenue Service instructions for the 1099 A and 1099C, charged off accounts are considered income. Income as shown in the attached statement from XXXX is not included on credit reports. 

The Internal Revenue Service states : File Form 1099-C, Cancellation of Debt, for each debtor for whom you canceled a debt owed to you of $ 600File Form 1099-C if you are any of the following. 

1. A financial institution described in section 581 or 591 ( a ) ( such as a domestic bank, trust company, building and loan association, or savings and loan association ) 4. A corporation that is a subsidiary of a financial institution or credit union, but only if, because of your affiliation, you are subject to supervision and examination by a federal or state regulatory agency XXXX. Any organization whose significant trade or business is the lending of money, such as a finance company or credit card company ( whether or not affiliated with a financial institution ). 

Under the section Statements to Debtors, the Internal Revenue Service states : If you are required to file Form 1099-C, you must provide a copy of Form 1099-C or an acceptable substitute statement to each debtor. 

By intentionally reporting income as a debt when the alleged debts are not collectible, Equifax has not only disobeyed the FCRA, but Equifax is also conspiring with the furnishers to commit tax fraud and other violations.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). Specifically, Cash App failed to tak timely and effective measures to prevent ar address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( XXXX ) and XXXX XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, Account # 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: Credit reporting, credit repair services, or other personal consumer reports

I discovered that there is an account on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 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 erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX : {$5800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The addresses I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following INACCURATE ADDRESSES. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX.
Product: Checking or savings account

On XX/XX/XXXX, I submitted a complaint that my account was compromised and {$2200.00} was wrongfully taken out of my account from a random third party. My account was then closed XX/XX/XXXX. On XX/XX/XXXX, the amount of {$2200.00} was refunded back to my account, however the account was already closed. I received a notification about the dispute being refunded, however, it was in my junk folder and I did not see it until XX/XX/XXXX. According to my transactions history, Chime redacted the refund on XX/XX/XXXX. I have not received any notification to where the money that was rightfully mine went. 

I then contacted Chime in regards to my money and was told the inquiry would need to go through to investigations and they would reply with XXXX hours. That time had elapsed and no update. Eventually, I was calling every XXXX business days in regards to the same situation and every time, it was treated as if I had never called in the first place. 

I finally got some feedback from Chime but it was only that the dispute was approved and the {$2200.00} was approved and paid out on XX/XX/XXXX, but nothing about the transaction from XX/XX/XXXX, the date of the issue I was complaining about, Chime taking my money from my account without any notification. 

It has now been over XXXX month of continual contact with Chime and no improvement, no updates and no payment of {$2200.00}, that is rightfully mine. 

The following are ticket numbers over weeks of complaints, including supervisors in disputes that stated they would handle the situation with no avail : XXXX XXXX, Supervisor dispute intake dept XXXX XXXX, Supervisor dispute intake dept XXXX XXXX, Supervisor dispute intake dept
Product: Credit reporting or other personal consumer reports

I looking at my credit report, and I noticed errors with my personal information, misspelling of my actual name, wrong, unknown old previous addresses, and some non-accounts hard inquiries that I'm not 100 % sure how it's here, and how you can mix such files. This is a big issue for me - Can you please fix it for me? As far as I know by reading the FTC, and FCRA laws and regulations, any others are inaccurate and/or outdated information must be deleted immediately from my credit report as they are not reportable as per the FCRA, since they are inaccurate. 

Listed below are the Personal Information that are being challenged : Incorrect Current Address : - XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, TX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXXXXXX, NM XXXX Incorrect XXXX : - XX/XX/year> Incorrect Name : - XXXX XXXX XXXX
Product: Credit card

I only use my Exxon Credit card to accept the {$8.00} Exxon Roadside Assistance fee each month. I have been paying {$8.00} per month since receiving the card in 1990. In XXXX of this year I missed my {$8.00} payment, but payed {$16.00} in XXXX, and {$8.00} each month since. I thought I was current again. 
I recently discovered that in XXXX, I was charged an {$8.00} late fee. In XXXX I was charged a {$26.00} late fee, and in XXXX, a {$35.00} late fee! Although I was current in my monthly Roadside Assistance payments, the only charge I was aware of, I was being charged a continually doubling late fee because of the single missed payment. When I called the company and asked to reduce the late fees back to the original {$8.00} charge, which I would pay because it was my fault, they said it was against their policy to reduce more than XXXX late fee. When I asked if someone with the authority to adjust the policy could call me and discuss this with me, I was told that the person calling me back would not have such authority. I am a paperless statement customer. If I were in a situation where I could afford only my {$8.00} payment per month, this late fee policy, now totaling over {$70.00}, would be a devastating burden. It is unfair. I would like to pay only the {$8.00} late fee that I deserve.
Product: Credit reporting or other personal consumer reports

I attended a work event in XXXX of XXXX  where our purses and wallets were stolen by hired event staff. Police reports were made. I begin to monitor my credit report in XX/XX/XXXX, and I have noticed accounts being reported to my report that I have no affiliation with or knowledge of. I began to research the creditors. I contacted the CRA ( Experian, XXXX, XXXX ) requesting that these accounts be verified in XXXX. After 2 correspondences via mail and phone, non-verifiable accounts are still being reported to my credit profile. Furnishing this information to profile is in violation of 15 USC 1681B. Not once have I given any written permission or consent for these accounts to be reported to my profile nor did I have any knowledge of them. These accounts with creditors listed : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX, XXXX XXXX XXXX. I have never had any accounts with. Furthermore furnishing accounts to my profile resulting from identity theft violates 15 USC 1681 C-2. These accounts are affecting my credit preventing me from accessing any new lines of credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm requesting CFPB to assist me in the removal of old outdated reporting by chase bank. They have told me they would continue reporting it even being outdated and expired statue. I'm in my 60s there reporting this is keeping me from being the best I can by doing this they are stopping me from being accepted in assisted living centers and other areas of my life, its almost like they are flexing there power to control my life, and selling of this outdated info to reporting agencys and third partys is affecting my life & health. I have sent letters requesting this to take place but received nothing Thank you
Product: Checking or savings account

On XX/XX/2018 my checking account was fraudulently used. I did not know until my mother tried to use her card and found that the account had a freeze on it. My mother 's account was affected also because we shared accounts. We went into our local Navy Federal Credit Union to find out why and was told that no one can discuss anything about the account and that it was under investigation and was given a print out of my transactions. The print out showed how someone deposited over {$5000.00} into my account from another person 's account and then withdrawn at XXXX supermarket by way of money orders. The bank rep gave use a business card with a phone number and a name ( XXXX ) and said to call the security dept. only they will speak to you. This led to the worst experience ever. The person I spoke with would not give me any information and did not really know who XXXX was. I called, my mother called multiple times. The only thing they said is that security does not speak directly to anyone and that this investigation would take 15 days. I continued to call for the next 3 days trying to communicate with the bank. I told them that I'm a XXXX XXXX XXXX  and that my payroll check will be deposited into that account in a couple days and I needed that money for school. Again no one would speak to me. On XX/XX/2018 I tried to log on to my account and I could finally get into it and there it was over {$4500.00} in the NEGATIVE and they had applied my pay check to the negative. I called the bank and someone told me that the investigation was done and that I'm at fault. Every dime I worked for GONE! plus I owe them over {$4500.00} according to them. This is wrong. I had nothing to do with what happened. They never called to speak to me, they never interviewed me or mom ( whose account was also frozen ) they came up with a decision in 72 hours! Who did they talk too? wheres the video of the people purchasing the money orders? This could be an inside job. I don't deserve this. I'm only XXXX years old, I work and in college. I want my money BACK and account cleared.
Product: Debt collection

I paid the amount that they claimed was owed. They reported an amount to the credit bureaus which has damaged my credit.
Product: Debt collection

We moved out of our apartment complex nearly 2 years ago, I received a notification on my credit report that there was a charge that was taken to collections. I was not given a bill or any additional information. We still have yet to receive a bill. They apparently sent it to the wrong address and never attempted to call or email us, even though they have all of that information. We would like to dispute this off of our credit report, as soon as we found out about it from our credit report, we paid it right away. 
Debt amount : {$240.00} Account # : XXXX Creditor info : FAIR COLLECTIONS & OUT XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I requested all incorrect information to be removed completely from my Lexis Nexis credit profile. On XX/XX/XXXX, I received notice in the mail that my request was completed, however, some of the incorrect information such as names, addresses, jobs, emails, birthdays, and phone numbers was still on the report. I called within the same month and was told that the incorrect information was successfully removed. In XX/XX/XXXX, I requested an updated copy of my credit report and on XX/XX/XXXX, I requested the incorrect information to be removed again, it has not been removed. SEE ATTACHED
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instruction.

15 USC 1666B A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this public record with all three credit bureaus. Transunion deleted. XXXX  and Equifax kept saying verified with XXXX XXXX. I disputed this record with XXXX XXXX and they were unable to verify that this belongs to me. XXXX XXXX removed this public record from my credit file. ( Letter proving this dated XX/XX/2020 attached to this complaint ). XXXX and Equifax will not remove despite this letter from XXXX XXXX ( whom they BOTH " verified '' with ) .I 've asked XXXX and Equifax to remove this public record from my report and send me an updated report.