23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

after being released from jail when I got home I had noticed my laptop my phone my wallet everything I owned was gone. I ordered a new phone and it took me XXXX weeks to gain access to my email accounts then I could verify to my banking apps that I was who I was so I could log in to my apps. cash app specifically showed that someone used my card while I was incarcerated from XX/XX/2023 to XX/XX/2023 there was XXXX  XXXX in charges. I promptly look for my card and finally found my wallet XX/XX/XXXX all of my debit cards had been removed and then contacted cash app and reported my card stolen. I called them immediately I told them what the situation was and that I wanted to dispute those transactions they told me to go on the app and fill them out one at a time so I did after a day of waiting I got an email for each dispute stating I needed to verify my identity. the problem is my identity is already verified according to cash app. their own policy dictates I am not allowed to make transfers person to person using my cash app balance unless I am verified. I was able to make a person to person transaction days ago. I have a screenshot of a text message from cash app stating that my account has been verified. now with each email that I received about the disputes request me to verify my identity I tried numerous times but this new phone has a subpar camera so the app won't verify my identity which has already been verified so they closed my cash app card and refused the dispute. I absolutely gained nothing from any of those transactions and for them to tell me that my dispute claims are fraudulent is a slap in the face.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX both my credit report and husbands showed on XXXX the account was closed with a balance. Called and the lady said oh we are getting a new account # since we did a re-term. XX/XX/XXXX is was updated to show open XX/XX/XXXX. XX/XX/XXXX they both show closed again on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraud and identity theft have been committed by Equifax/XXXX XXXX 
I ask for a validation and verification of all items on my credit report. Equifax failed to provide forensic auditing of all inquiries and accounts being reported on my consumer report. This is causing immense hardship. I need to speak with Equifax and his/her registered agent. Several laws are being violated that I am aware of and I want to know who is going to take accountability of the fraud that's being committed.
Product: Debt collection

This debt was on behalf of an apartment rental company. Upon dispute, I agreed to pay a option of the amount owed, which is equivalent to what is now in collections. After filing my dispute, I was not contacted again.
Product: Vehicle loan or lease

Infiniti Financial did not take out the final auto-draft, after taking 59 other payments which I paid on-time each month. When I contacted them about it, I spoke with a manager who confirmed the system had an issue and said he would fix it but it is their policy to STOP TAKING AUTO-DRAFTS ON THE FINAL MONTH. They waived late fees and interest, I paid off the loan and thought it was closed despite this deceptive business practice.

This line on equifax report now says " not more than two payments past due '' which has dropped my credit score by more than 70 points. I requested they correct it to " pays as agreed '', but they said there is nothing they can do, the request was rejected.

I have an open dispute with equifax, but I also think Infiniti is acting in bad faith, possibly impacting others intentionally at the end of their loan terms in order to intentionally collect late fees and over due interest. Making it standard business practice to stop auto-drafting in the last month, after doing it for 5 years, does not pass the " reasonable standard '' in that it creates a negative mark when customers are more likely to be looking for another loan, therefore inflating possible APR for the next automobile purchse.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

I am disputing incorrect information being reported on my credit report by XXXX XXXX regarding a credit card account that I previously held. 

- **Account Number : ** XXXX - **Account Status : ** Closed - **Payment Status : ** Charge-off - **Balance Owed : ** {$960.00} - **Credit Limit : ** {$1100.00} - **Account Type : ** XXXX - **Account Rating : ** Closed - **Date Opened : ** XX/XX/XXXX - **Date Reported : ** XX/XX/XXXX - **Date of Last Activity : ** XX/XX/XXXX - **Last Verified Date : ** XX/XX/XXXX - **Closed Date : ** XX/XX/XXXX **What happened : ** I had a credit card with XXXX  XXXX, and I have never missed a payment on this account. Despite this, my credit report incorrectly shows a balance of {$960.00} listed as a charge-off. I have contacted XXXX XXXX multiple times to request that they update my credit report to reflect " paid as agreed and never late. '' However, I keep getting the runaround, with representatives promising to make the updates, but no action has been taken. 

**Action Requested : ** I am requesting that XXXX XXXX update my account to accurately reflect that the account was paid as agreed, with no late payments or charge-offs, and remove the negative and false information currently being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022, to remove these accounts that are inaccurate to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please do immediate action regarding this matter. 
XXXX XXXX Balance : {$590.00}
Product: Credit card or prepaid card

XXXX    XXXX ,2017  I went to ATM to take {$200.00} off my acct. Transactio n declined but American Express still debited my acct  for  XXXX  and ATM fees. I called them they told me I must dispute it. My AE bank acct was finally credit back my funds of {$200.00} almost 3 months later on  XXXX   XXXX ,2017.      XXXX    XXXX ,2017  I seen  XXXX  unauthorized transactions on my account from a company that wrote my card info down for  XXXX  and  XXXX  I calle d American Express Ser ve and told them they were unauthorized why these charges we 're still pending they told me a stop payment could n't be done and I had to let the thief 's take my money and to do a dispute once the transactions we 're completed.      XXXX   XXXX ,2017 I filed a dispute for both the unauthorized transactions  XXXX  and  XXXX  and was told it could be up to 45 days before my money was credited back to my acct. My card was canceled and a new one was supposed to be sent out so this could never happen again.    XXXX    XXXX  ,2017  American Express  credited my account for  XXXX  &  XXXX   XXXX    XXXX ,2017  Before I even had the chance to remove my money from my acct  American Express let th e same thief 's that stole from me before clear my account again. I called them right away as the unauthorized transaction of over  XXXX  is still pending asked them how this was possible if they canceled my card and they told me my card was never canceled and I had to wait for the unauthorized transactions to go all the way through and reopen another dispute. American express let the same thief 's that I just had a open dispute with clear my account again. So now I have to wait up to 45 days again for my money to be credited back to my acct and that 's if they give it back. Because of this my lights we 're turned off & me and my  XXXX  kids were evicted from our home. They have no sympathy for there mistakes nor do they care anything about there customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Several years ago my office was broken into and several ID documents were stolen. I filed a police report and have attached it to this complaint. My credit file was accessed without my knowledge or approval online without me being physically present and showing an ID. I did not authorize the credit inquiry on the following dates from the following creditor : XXXX XXXX XXXX / XXXX Dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I attempted to dispute information wrongfully placed on my credit report. They are false and misleading. I have tried to fix this issue in the past, but they have not decided to work with me beyond artificial communication. I am seeking relief from them only in the way of honoring the consumer and U.S mail sent thereof.
Product: Credit card or prepaid card

XXXX XXXX has made a bogus charge on my closed credit card, as it has been closed since XX/XX/2018. In making this fraudulent charge of {$120.00}, XXXX XXXX has been insinuating in written responses that I have been using its " provisional credit. " but has not outright claimed it was this product. Originally, XXXX XXXX has been trying to steal my refund of {$110.00} where upon it did send. I only see this amount, {$110.00}, as hidden this in charge of {$120.00}. The bank is trying to change form of original charge of {$120.00} to look like similar refund part of {$120.00}. The bank has also deliberately reported wrong {$8.00} as myself having them this amount when, in fact, the bank itself paid me this amount and the bank went on to report it to the credit bureaus, even though I did provide XXXX XXXX photocopies of refund on both sides. This original billing error of {$110.00} is only the same as the increased {$120.00}, so this prompted filing another billing error notice to XXXX XXXX on XX/XX/2018.
Product: Checking or savings account

XX/XX/2021 I contacted XXXX  on XX/XX/2021 and attempted to a purchase a product call credit monitoring service. I spoke to the representative and explained to him that I wanted to purchase the product for {$19.00}. The representative requested my banking information. I provided my JP Morgan Banking information. He stated it did not go through. He then placed me on hold. He returned and attempted to charged my card again. He stated again that it did not go through. The call disconnected. I call back and spoke with a different representative. He also attempted to charge my card for {$19.00}. it did not go through. I then checked my account and saw that XXXX  had placed 22 pending holds on my card for one failed purchase for {$19.00}. My problem is Chase Bank never attempted to warn me that the merchant was placing multiple hold charges on my account in such a short period of time. On XX/XX/2021 I am requesting that JP Morgan Chase Bank Immediately upon receipt of this complaint release back into my available balance the 22 pending unauthorized holds totaling {$430.00}. I have bills that, that money was budgeted to pay. I have tried several times to reason with the banking representatives at Chase bank. I had no idea that the Merchant was placing 22 pending holds on my account for one authorized charge or purchase for {$19.00}. Chase bank never alerted or warned me of the additional multiple pending charges. I am requesting that Chase Bank Temporarily release all 22 pending holds back into my account while they investigate this claim, so i can get on with my life. This is financially hurting my life and my needs for providing my family.
Product: Money transfer, virtual currency, or money service

I found a fraudulent charge on my bank statement showing cash app with a name I did not recognize. I almost rarely use cash app. The only time I ever use cash app is to send to a XXXX which is a delivery service locally near me. I filed a dispute with my bank and they denied my dispute stating that I need to address it with cash app. I researched the so called name next to the cash app name on my statement and it looks like its a fraud account, scamming people online using con artist schemes and blackmail promotion
Product: Credit reporting or other personal consumer reports

My account withXXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

It states on my credit report that the account is closed but it is still reporting negative payments. It states that there are XXXX charge offs on this account! XXXX is still reporting negative inaccurate information. The account is closed so how is that fair they get to keep reporting negative charge offs? It is still reporting as of XX/XX/2020. Its written off and still reporting negative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied to rent an apartment today XX/XX/19 and sadly I did not get approved because there are several accounts reflecting badly on my credit report. I looked over the accounts and realized that none of them belong to me. I did not open any of those accounts nor have I ever allowed anyone to open them in my name. I'm not sure who these accounts belong to but I personally do not have any written/verbal contract with any of those companies and I never took part in any payments or purchases regarding those accounts. I also never gained anything such as money, goods or any other benefit from these accounts. I have already filed a police report in hopes of getting this cleared up.
Product: Credit reporting or other personal consumer reports

I wrote a letter to Transunion on XX/XX/year> requesting documentation and a copy of any contract signed by me that would support this collection. They have not responded and are in violation of the FCRA sections 609, 610 and 611 as noted below and on attachments. 609 ( a ) ( 2 ) they have not provided sources of information on the collection. 610 ( c ) They do not have trained personnel to explain the information they provided. The phone number does not have a selection to speak to a human and no option for call back. 611 ( a ) ( A ) They have not deleted the item which has no proof of validity. They respond the it was verified but have not provided any documentation or details. 611 ( a ) ( B ) They have not provided the reasons for the determination. 611 ( 2 ) Have not considered my information provided. They come back with a boilerplate response that the item was validated. 611 ( 3 ) ( A ) They are unable to validate the item, but have not removed it from my credit report. 611 ( 3 ) ( B ) ( iii ) They have not provided a description of the procedure used to determine the accuracy of the item as I requested repeatedly. 611 ( 4 ) They have not provide a description of the reinvestigation procedure.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION, XXXX, and XXXX  permits the debt collector XXXX XXXX XXXX to report derogatory medical collections bills on complainants credit reports. The complainant is presently applying for a mortgage loan modification in which may be adversely affected because of these inaccurate reportings since at the end of the day the Affordable Care Act contained a mandatory health insurance requirement that compels healthcare providers to provide adequate information about enrolling in a health insurance plan such as Medicaid in order to give the physician informed consent.
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 U.S.C 1681. 

XXXX XXXX : # XXXX XXXX XXXX XXXX : XXXX XXXX XXXX 15 USC 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 States a consumer Reporting agency can not fresh in account without my written instructions 15 U.S.C. 1681 s-2 ( A ) ( 1 ) A person shall not furnish Any information relating To a consumer To any reporting agency
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 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/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion, and XXXX are inaccurately showing that several of my accounts are 30, 60, 90, and/or 120 days late on my credit report. The following accounts are inaccurately reporting late : XXXX XXXX XXXX XXXX - Date XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Im writing to normally express my concerns about Zelle handling of disputes and 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 CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat 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 reporting, credit repair services, or other personal consumer reports

On XXXX XXXX as of XX/XX/17 there is an address linked to my credit which I have never resided at. XXXX XXXX XXXX XXXX XXXX texas XXXX. I would like it removed from my records.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX, I contacted TransUnion to resolve unauthorized inquiries showing on my credit report. I called and spoke to a u.s. representative by the name of XXXX he was helping me until we got disconnected. I recently checked my credit report and noticed many inquiries that were removed during a breach in XXXX of XXXX in XXXX XXXX where reinserted. I did not receive a written 5 day notice informing me about the breach or TransUnion reasserting the inquiries. This is a violation of FCRA. TransUnion can not continue to violate my rights.
Product: Credit reporting or other personal consumer reports

I check my scores twice a day. Ive notice that my XXXX score was do to rises but it didnt not Ive also notice that from the FNBO complaint my middle score was XXXX. My score has not return to this level. Its seem to me that achieving an XXXX score no matter what I do these companies just in fact, that this is more do to rascal then to reporting correctly. As a XXXX consumer I fill that these companies do not report correctly and will do what is need to hold my financial goals back.