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

Starting on  XXXX , Chase Bank starting making hard inquiries on my credit report and has continued to do so at least once a month thereafter. I have disputed this with   XXXX   and  XXXX , but the results came back verified. After talking to  Chase t wice, they said they would remove the inquiries, but to no avail. They are still placing inquiries on my credit report, even after I placed a fraud alert on all  XXXX  bureaus. Following is the list of inquiries :  XX/XX/XXXX  CHASE CARD   XXXX   XXXX   XXXX   XXXX  , DE  XXXX   XXXX   XX/XX/XXXX  CHASE CARD   XXXX   XXXX   XXXX   XXXX  , DE  XXXX   XXXX   XX/XX/XXXX  CHASE CARD   XXXX   XXXX   XXXX   XXXX  , DE  XXXX   XXXX   XX/XX/XXXX CHASE CARD    XXXX   XXXX   XXXX   XXXX   , DE  XXXX   XXXX   XX/XX/XXXX  CHASE CARD  XXXX   XXXX   XXXX   XXXX , DE  XXXX   XXXX   XXXX   XXXX ,  XXXX  CHASE CARD  XXXX   XXXX   XXXX   XXXX , DE  XXXX   XXXX   XX/XX/XXXX  CHASE CARD  XXXX   XXXX   XXXX   XXXX , DE  XXXX   XXXX   XX/XX/XXXX  CHASE CARD  XXXX   XXXX   XXXX   XXXX , DE  XXXX   XXXX   XX/XX/XXXX  CHASE CARD  XXXX   XXXX   XXXX   XXXX , DE  XXXX   XXXX   XX/XX/XXXX  CHASE CARD  XXXX   XXXX   XXXX   XXXX , DE  XXXX   XXXX
Product: Credit reporting or other personal consumer reports

Account in question : XXXX I am filing this complaint due to multiple violations of the Fair Credit Reporting Act ( FCRA ) regarding the inaccurate reporting of my account with XXXX. The errors have negatively impacted my credit profile, and despite the legal obligations of credit bureaus to report accurate, verifiable, and consistent information, they have failed to do so. 

Here are the specific violations : Inconsistent Account Type Reporting TransUnion and Experian classify this as a Charge Account, while Equifax does not specify.

Under FCRA 1681e ( b ), credit reporting agencies are require

d to ensure information is consistent and accurate across all platforms. Credit Limit Discrepancies My credit lim
it is {$200.00} on TransUnion and Experian, but Equifax reports it as {$0.00}.

This inconsistency violates FCRA 623, which mandates accurate furnishing of information by
data providers.

Conflicting " High Credit '' Reporting TransUnion & Experian report {$160.00}, but Equifax reports {$200.00}. 
This affects my creditworthiness evaluation and must be corrected. 
Last Reported Date Discrepancies My " Last Reported '' dates are : XX/XX/year> ( TransUnion ) XX/XX/year> ( XXXX ) XX/XX/year> ( Equifax ) These inconsistencies violate FCRA 611 and demonstrate a failure to properly update my credit file.

Incorrect " Closed by Creditor '' Status The comments section is inconsistent : TransUnion : " Canceled by credit grantor '' Experian : " Account closed due to inactivity '' Equifax : " Closed or paid account/zero balance '' Under the FCRA, credit bureaus are required to report accounts using uniform language.

Failure to Verify Data Under FCRA 609 ( a ) ( 1 ) I am requesting the original source documentation that was used to verify this account. 
If they can not provide a contract with my wet-ink signature, then the account must be removed.
Product: Student loan

I did not send any paperwork to FedLoan Servicing company or personally request   XXXX   to send them documents for me. I would never ask   XXXX   to do such a thing as they recently stated in their response. A representative of  XXXX  in   XXXX   2017 stated to me that " someone had emailed them paperwork with my name attached on the document. "   XXXX   is taking upon themselves to falsify documents and I hope that such a company will be held accountable for their ill actions. For   XXXX   XXXX   constant wrong doing against innocent people such as my myself I would like them to face charges due to their overall negligence in the matter. I,   XXXX   XXXX  , sent certified documents to  XXXX  in  XXXX  2017 with my authentic signature on my own will and accord in which I did not email them any forms to them ever like they have stated several times now. In   XXXX   2017 I did not reach out to any companies requesting they send   XXXX   or FedLoan Servicing documents on my behalf.   XXXX   is being allowed to run a scale operation and scam with fraudulent activities while affecting the many lives of so many others such as myself. This type of malicious harm against innocent people has to stop and I hope you 're bureau will help in bringing justice!
Product: Money transfer, virtual currency, or money service

I am writing to formerly express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card or prepaid card

I have been a customer of XXXX XXXX for over 2 years, never had any 30/60/90 day lates and even pay above the monthly bill to them on time each month. In XX/XX/XXXX I  went out of the country and my credit cards and personal information was lost. During the time of losing my information my bill was due to XXXX XXXX but I had no way of paying it bc the bank account that pays that bill was closed and I had to wait until I returned to open a new one. I went online today to pay my bill and saw that they reduced my limit from {$7000.00} to {$2100.00}, which hurt my credit score tremendously. There was no communication whatsoever. This is a horrible way to treat a customer that is loyal and pays on time.
Product: Credit reporting or other personal consumer reports

I contacted Transunion regarding inaccuracies on my credit report and they did not respond in 30 days. The law states they must delete the information if they do not comply. I also requested they send me results of their investigation which they also did not do. This shows willful violation of the fcra. I also complained to other agencies.
Product: Credit card

Dear Sir/Madam, Good afternoon! My name is XXXX. I opened a XXXX credit card on XX/XX/2016 and spent more than {$3000.00} in next three month. Although I got the reward points, they are locked by Amex somehow when I intend to transfer my points to airline with excuse " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' Could you please ask Amex remove the lock so that I can book ticket with my points? 

Thank you, XXXX
Product: Checking or savings account

On XX/XX/2021 my Simple bank account switched over to BBVA and we were promised a seamless transition.

Since yesterday, I and many other former Simple customers have been unable to properly transition our accounts, or even access them, and some have even been unable to use their debit cards. BBVA does not answer their phones and even promised to be available at XXXX XXXX Central today but when we call, the line automatically hangs up XXXX some people hear a recording pretending to say they can't hear the customer before hanging up XXXX. The actual app interface is a mess ; I tried to start my account activation from scratch and it told me my account was already open. Luckily I wrote down the password I tried to create yesterday ( even though I got an error when trying to do this ) and I got a message saying I was locked out. 

Oh, and BBVA has not sent one email since this entire fiasco began, rather, they have provided inaccurate updates on an unverified XXXX account.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information present on my credit report. Upon reviewing my report, I identified several discrepancies that do not reflect the truth of my financial history. I have always made it a priority to ensure that my credit matters are handled with the utmost care and responsibility, so I am confident that these errors do not belong on my record. These discrepancies are not only incorrect but also undermine the integrity of my credit profile. They may lead to potential harm to my creditworthiness, and I trust you will address this matter with the seriousness it warrants.
Product: Credit card

On XX/XX/year> I had made my final payoff balance before my promotional period ended on XX/XX/XXXX to avoid accrued interest. I logged in like I usually do and clicked the pay balance option and then logged off my computer. On XX/XX/XXXX I went to make sure I had a XXXX balance ( because after reading a review this company likes to charge interest after you pay off the balance ) and to my surprise my payment never went through and they added on {$2500.00} of interest to my balance! I IMMEDIATELY paid off the prior balance and called them to explain the situation in which they did not want to listen to my issue. After researching I have found out that on XX/XX/XXXX ( the same day I made my payment ) Comenity had a major network outage which effected payments processing! I received a letter from comenity admitting that there was in fact an outage on that day and also THAT I WAS LOGGED IN ON THAT DAY. I do not log into my account for no reason, I log in to make payments. The company is still refusing to waive interest even after admitting the problem was on their end. They wont even work with me on cutting it in half just so we can move forward. Ive been a XXXX customer for XXXX years and Im not sure if theyre trying to help either. The dispute needs to stay open until there is some kind of agreement as this would be considered fraud on comenity by trying to charge me non valid accrued interest because of a network problem on their end. They can see I was logged in that day but they stated they cant see if I tried to make a payment and this is because their network to make payments was down!
Product: Credit reporting, credit repair services, or other personal consumer reports

This loan was consolidated with Department of Education / XXXX on XX/XX/XXXX, and XXXX/XXXX/XXXX  Still reports the loan as Charged Off. They are no longer the noteholder and the debt has been resolved since XX/XX/XXXX. In fact all of the loans were consolidated and in good standing XXXX. 

We filed paperwork with company MULTIPLE TIMES with no response. I have made payments with XXXX XXXX and XXXX totaling {$33000.00} since XX/XX/XXXX encompassing and including the loans forwarded to XXXX XXXX reported by XXXX XXXX/XXXX/XXXX continue to incorrectly report. Over 6 years I have made my payments perfectly without missing a single one. My credit report is flawless otherwise, and these remaining items which are incorrect, have prohibited me from rates that I earned, homeownership options that I should qualify for, and many more issues. 

My local credit union representative has has called XXXX/XXXX/XXXX Funds multiple times, and we were promised resolution without any further follow-up and negative items remain on credit report. We have even attempted a resolution with the Ombudsman from the Department of Education, who facilitated the consolidation with XXXX in XX/XX/XXXX. 

XXXX/XXXX have record of accounts XXXX and XXXX BOTH being transferred out - and resolved, yet they continue to incorrectly report " charged-off '' on my credit report. This is the same for XXXX XXXX   account ending XXXX.
Product: Money transfer, virtual currency, or money service

Cash app kept money that was being deposited to my account.
Product: Debt collection

Harris & Harris Debt Collection Agency calls my home number nearly on a daily basis and has been for several months. My credit is in perfect standing. At first I assumed it was a mistake, but I continue to have robo messages left on my answering machine and asking me ( only using the word you, not my name specifically ) to  call them. First off, it 's difficult for me to take a business seriously who is trying to collect a debt using an automated call. Second, in light of my 1st statement, how do I know this is n't a deception by a criminal attempting to dupe me into giving out my hard earned money. Lastly, I 'm looked at as a tier 1 borrower and all my lenders are in good standing and if Harris & Harris is a legitimate business they need to quit harassing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN continues to violate my federally protected right to ensure an accurate credit report per 15 USC 1681e ( b ) which states that credit reporting agencies are to ensure an ACCURATE credit report. EXPERIAN prevented me from disputing inaccurate balances on the following accounts : XXXX. ACCOUNT NAME : XXXX XXXX  XXXX. ACCOUNT NAME : XXXX XXXX XXXX. ACCOUNT NAME : XXXX XXXX. ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX  These accounts DO NOT include the correct dollar amount WITH the cents. EXPERIAN continues to negligently and recklessly report inaccurate account balances on my credit report. EXPERIAN refused to allow me to dispute these accounts online to ensure that these disputes were entered into the e-Oscar and XXXX systems. EXPERIAN has lowered my XXXX credit score which has caused me damages by being denied credit that I may have otherwise qualified for had these inaccuracies not negatively impacted my XXXX credit score. EXPERIAN continues to put me at risk of FURTHER exploitation and victimization by refusing to sufficiently investigating these inaccuracies on my credit report. EXPERIAN continues to send AI generated responses to my complaints and FAIL TO ADEQUATELY address and correct credit inaccuracies on my credit report AND in my credit file causing me damages and preventing me from obtaining sufficient credit approvals with potential credit offering companies which I need to gain access to an improved quality of life and livelihood. 

EXPERIAN 's has violated the Privacy Act of 1974, Regulation V, and the Trafficking Victims Protection Act ( TVPA ) by continuing to report inaccurate and nonmailable addresses on my credit report and credit file. I sent EXPERIAN no less than SIX ( 6 ) letters and called approximately four ( 4 ) times to have the inaccurate and nonmailable addresses removed, yet EXPERIAN refuses to comply. EXPERIAN would not provide the specific documentation of federal law that allows them to continue to report these inaccuracies and the process EXPERIAN uses to justify their inaction. EXPERIAN refuses to produce such documentation. Thus, EXPERIAN negligently and recklessly persists in exposing me to further exploitation and harm by continuing in their practices in further violation of the Acts, laws, codes and regulations to protect consumers from these negative practices.
Product: Debt collection

In 2018 I became XXXX XXXX a few months after signing a 15 month lease with XXXX  XXXX XXXX  XXXX. Id had a 4 level XXXX XXXX in my neck, and even reinjured it, had a series of XXXX XXXX  XXXX, & at XXXX years old, became unemployable. I spoke multiple times with XXXX XXXX, manager at the property & executed a notice to move out. I was then, and am now, very ashamed. But I had little choice. Ultimately in XXXX of 2018 I was awarded full benefits effective XX/XX/2018. I moved because I needed a lot of therapy I could not get nearby. And I couldnt drive because of the XXXX. XXXX XXXX XXXX  came to get me after I XXXX, once right in the parking lot on the concrete. I was in a XXXX, then had a XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX But I needed medical attention I couldnt get locally, and the only place that would take me was 27 miles away & I had to be there everyday. I sent XXXX XXXX an email asking for relief, but she didnt respond. I also asked for a copy of the lease, which I never signed, electronically or otherwise, but I did live there, I paid on time while I still had money & even though my pay from my employer ran out in XXXX I continued to pay but needed significant treatments. The issue now is that Im homeless, and can not rent even section 8 housing because of the collection of {$4800.00} they levied against me. Ironically, XXXX XXXX told me they had a wait list for new tenants and the unit would rent quickly and originally, within 2 weeks, they sent me a collection for {$9800.00}. Since the law is clear that they have to attempt to re-let the unit and mitigate the losses and there was a wait list IDK how they had the foresight to assess a {$9800.00} collection fee against me. {$4800.00} might as well be $ XXXX to me, because thats what it feels like. I called the collection agency representing the XXXX XXXX and they demanded {$3700.00} a one time 5 day take it or leave it offer. Ironically, this lease was my 2nd at the property and Id had no late fees or returned payments, Id written a very favorable Review ( since Id been complimentary of the managers ) published on XXXX and XXXX  that they promised a {$100.00} gift card for that Id never received. But when faced with XXXX  life changing circumstances, XXXX XXXX full time in college, I received a {$9800.00} bill amended to {$4800.00} later. But the facts are, I needed medical assistance I couldnt receive there. I couldnt have forseen the crisis I faced. Additionally, Ive been admitted 7x into medical facilities for XXXX  XXXX, 3x against my wishes. The company is the only one who can help me with this, yet attempting to talk to someone is met with disdain and once, she laughed at me.
Product: Checking or savings account

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

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX  XXXX - XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

Prior to the Coronavirus Pandemic and the Governor 's order to " Stay-at-home '', thus shuttering all non-essential businesses, all known business credit accounts with American Express were in good standing. 

On XX/XX/XXXX Governor XXXX XXXX ordered the closure of all non-essential businesses. As acting XXXX for a legally formed business entity, I phoned American Express on XX/XX/XXXX at exactly XXXX XXXX ( PST ). During this 33 minute call, I made it known that the business I represented had been impacted by the COVID-19 Pandemic. I asked specifically if there were any type of payment assistance or forbearance plans available. The answer I received was, " no '' they had nothing to offer. 

I explained to the customer service agent, that due to the mandatory closure of non-essential businesses, revenue would be interrupted and we would no longer make regularly scheduled payments until the emergency was lifted, and the business cleared to re-open. It was at this time the customer service agent agreed to remove the automatic payments being drafted. At that time point in time, the payment for XXXX had already been posted to the account, and was current and good standing. 

A few days earlier, XX/XX/XXXX the U.S. Congress passed into law, the CARES Act which gave banks and credit card companies strict guidelines for waiving minimum payments for debtors while still accruing interest on their balances. In addition creditors were forbidden to report any new negative activity. 

Within a few weeks after the passage of the CARES Act, I began  receiving ominous calls from American Express. The pre-recorded messages asked me to log into my account to resolve an important matter. However whenever I logged into my Business Accounts, there were no banners or links anywhere on the American Express site to request payment assistance or forbearance. 

On XX/XX/XXXX, I became aware American Express filed a Charge Off in the amount of {$2300.00} on my personal credit bureau profile. The account number reflected was erroneous and made up. I have no record of this debt. 

If however this amount is meant to reflect a business account for which I am the XXXX, then I believe American Express ' attempt to collect should be levied against the business entity. Not me as its employee. 

Furthermore, the CAREs Act is supposed to protect consumers during this pandemic against unjustified negative credit reporting activities.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a hard inquiry on my credit report from " XXXX '' on XX/XX/2022. Shortly after being notified about this I received a full Credit Report from XXXX and saw that there was a new account in my name under XXXXFORTIVA for a credit card that I never activated. I immediately filed a dispute through XXXX and was notified a week later that the results were " Accurate and Updated. '' From there I filed another dispute on XX/XX/2022 and received the same results. I also contacted Fortiva directly to try and figure out what happened and attempt to remove the account from my name and they told me that there was no record of me having an account open with them therefore there was nothing they could do. 

So I first need to know how XXXX can declare this being accurate when the company itself has no record of me opening an account with them and most importantly I need this removed from my record as I believe it is fraudulent. I need someone to please help me do this or at least point me in the right direction to do so.
Product: Credit reporting or other personal consumer reports

XXXX is a company that extends credit to businesses. I logged into my credit and I noticed that this business account was reporting on my personal credit. This should have never happened at all. I contacted the company and they sent me a letter stating that I do not have a balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Citizens bank erroneously reported me for late payment during the COVID-related deferment period. I have tried unsuccessfully to resolve the issue since last fall. I couldn't refinance my house because of the derogatory information in my credit report. I have made 12 payments since the ending of deferment last XXXX. I have been unsuccessful in my attempts to have Citizens fix this problem that resulted in my missing refinancing changes before the recent two interest rate increase by the Federal Reserve. Here is the recent letter that I wrote to Citizens bank. Our current term with this bank expires by the end of XX/XX/2022. We desperately need to refinance our home.