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

They recently used credit card utilization to diminish my score and have in the past, also removing and adding a derogatory remark multiple times and then I was forced to call this company and pay them half of the balance to stop reporting it even after claiming this wasnt my account this was trans union, and XXXX they locked my account and caused multiple hard inquiries on my report after trying for a mortgage I I asked why my account was locked they said I requested it and when I said that I didnt and asked for proof and dates of me doing this and they couldnt give it to me, multiple times I tried to contact them I gave them all my information including new information about my loans and still couldnt verify my identity even though I gave them enough information to steal my identity, so I was forced to mail in paperwork, I cant stand talking to either bureaus because they dont even speak XXXX Im over this already Ive been trying for months to get a mortgage so I can put my family in a house but Im constantly battling these discriminating CD bureaus that make it impossible to get something in life. I was almost to a 700 score before all this happened its like I peaked out on there acceptance for a score ( it has to be so low ) so they had to figure out a way to knock me down. If u ask me what the downfall is in life its having to deal with the credit bureaus and knowing that Im going to be stuck renting a house for XXXX bucks a month to put my XXXX kids in instead of paying a XXXX XXXX dollar mortgage and do it the right way but no I have to be a slave for them and never get anywhere In life or own anything. I watch them like a hawk and Ill be the first one to tell you how corrupt they are its sickening
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE BE ADVISED THIS IS MY 2ND AND FINAL ATTEMPT IN TRYING TO RESOLVE THIS ISSUE. XXXX, EQUIFAX, AND XXXX WAS NOTIFIED OVER 30 DAYS AGO ABOUT THESE FRAUD RELATED ACCOUNTS DUE TO IDENTITY THEFT BUT YET HAS IGNORED MY DISPUTE. ACCOUNTS XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, WERE ALL INCLUDED ON MY MOST RECENT IDENTIITY THEFT REPORT FROM THE FEDERAL TRADE COMMISSION. ALL THREE OF THE MAJOR BUREAUS OR CONSUMER REPORTING AGENCIES HAS NEGLECTED THE FAIR CREDIT REPORTING ACT SECTIONS 605B, 609, AND 611. I HAVE NEVER RECEIVED ANY MONETARY RELIEF, MONEY, GOODS, OR SERVICES ASSOCIATED WITH THESE ACCOUNTS, I HAVE NO RECOLLECTION OR RECALL OPENING ANY OF THESE ACCOUNTS WHAT SO EVER. THESE ACCOUNTS HAVE BEEN THE DIRECT RESULT OF IDENTITY THEFT AND I HAVE BEEN A VICTIM. I HAVE ALSO INLCUDED FRAUDUELNT ADDRSSES THAT HAVE YET TO BE UPDATED OR REMOVED AS PER MY REQUEST 30 DAYS AGO. THIS IS A CLEAR VIOLATION OF THE LAW AND THE BUREAUS MUST BE HELD LIABLE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of getting a mortgage through a different company which was at a higher interest rate when I received an email from XXXX XXXX aka XXXX stating that I could get a lower interest rate if I applied with their company. I clicked the link and completed the application and it said for me to email XXXX to explore my " options ''. I didn't receive a response. I get another email from XXXX   asking me to complete my application. I went through all the pages everything was completed so I asked my husband if he wanted to be co-borrower I figure maybe additional income was needed for my application. I received notification from my credit monitoring system that XXXX XXXX  XXXX accessed my credit report twice on XX/XX/XXXX and XX/XX/XXXX. I received another email from XXXX stating that I was denied approval because " loan representative 's credit score needs to be increased to XXXX ''. In the middle of this same email it stated " Your credit score : XXXX Date of credit pull : XX/XX/XXXX. '' I filed a complaint with XXXX XXXX XXXX and XXXX XXXX of XXXX responded to complaint saying that my credit score was below XXXX  which was not true. I asked her how did XXXX get my contact information and why they sent me that email to apply for a lower interest rate mortgage when I was already in the process with another company. She said they got my information from XXXX XXXX. Because XXXX pulled my credit THREE times on XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX this inadvertently affected my original pre-approval with the other company. XXXX had no intention of approving me for anything even though my credit score was higher than XXXX. I checked FICO scores for Transunion and they were higher than what XXXX  was reporting. XXXX XXXX was reported the scores XXXX  points higher for Transunion upward XXXX. Either way, I should have been able to qualify for pre-approval for a lower interest rate mortgage by myself without a co-borrower but the XXXX   system did a bait and switch and got me to include a co-borrower so they can get his information as well for marketing purposes. Even after XXXX denied me they continue to send emails asking me to complete the application. I feel this company is using phishing, bait and switch, and taking advantage of people during the COVID-19 pandemic by getting access to their credit information.
Product: Checking or savings account

On XX/XX/2023 I was XXXX  and went to XXXX XXXX XXXX picking South Carolina. I spent 13 days there and then I was bonded out on XX/XX/2023. When I got home my house was robbed and I seen all my personal information laid out on the table like somebody went through it with a fine tooth comb. My wallet and keys were in the house too. I immediately thought of my bank account and got online to TD Bank there I noticed from the time I was in jail they were fraudulent charges during those days. The amount of {$510.00} was missing from my account. I immediately called TD Bank and reported the charges I told customer service from XX/XX/2023 to XX/XX/2023 I was in XXXX and somebody used my card fraudulently. I filed a claim in a timely manner kept up with all the updates and sent information to the fraud department that prove that I was in XXXX  for 13 days. I also made a police report and that was also sent for evidence that I was robbed. I gave the officer the information at the fraudulent charges and he said he would investigate. The investigation is not complete as I did not hear from him yet. On XX/XX/2023 I received the letter from TD Bank advising me that they concluded that an error did not occur and the reason for this decision was based upon the following. 

you advised your chip card was in your possession during an in-person transaction. IT ALSO STATES THAT IF MY ACCOUNT WAS PREVIOUSLY CREDITED IT WOULD BE REVERSED ON XXXX MY QUESTION IS HOW COULD I BE IN POSSESSION OF MY DEBIT CARD DURING AN IN-PERSON TRANSACTION WHEN I WAS IN XXXX? 
I RECEIVED ANOTHER LETTER FROM TD BANK DATED XX/XX/2023 STATING THEY HAD COMPLETED THEIR REVIEW INTO THE ATM DEBIT CARD DISPUTE CLAIM FILED ON XXXX IN THE AMOUNT OF {$510.00} THEY SAID AN ERROR DID NOT OCCUR THE REASON FOR THIS DECISION WAS BASED UPON THE FOLLOWING .... THE TRANSACTIONS APPEARS TO BE AUTHORIZED BY YOU. YOU CONSENTED TO OR BENEFITED FROM THE TRANSACTION. THIS IS UTTERLY RIDICULOUS. HOW CAN I AUTHORIZE ANYTHING BEING IN XXXX? HOW WOULD I CONSENT OR BENEFIT FROM THE TRANSACTIONS? I COULD NOT CONSENT TO ANYTHING I HAD NO PUBLIC COMMUNICATION AND HOW WOULD I BENEFIT FROM THESE TRANSACTIONS? IF YOU LOOK AT ALL THE CHARGES FROM WHEN I WAS IN XXXX  THERE WAS NOTHING I could possibly benefit from. Why did I get two letters dated XX/XX/2023 and XX/XX/2023 saying that they reviewed my claim and the two letters had conflicting reports? I believe there was no investigation based on my findings of TD Bank 's transactions and they denied me because of the fact that was in XXXX. I called asking to request documentation on their findings and that is my right they told me to go into your local branch and get the information that's not what the letter says I will write a letter now asking for documentation. I am a XXXX veteran and can't get around that good and the fraud department wants me to go running around town to get information that can be mailed. I am appalled at TD Bank and their shady practices I'm very seriously considering closing my account and going elsewhere thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Letter to Remove Inaccurate information This letter is to address the following credit bureaus, XXXX, Equifax and XXXX. 

Per FCRA section 623 A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

( C ) No address requirement. A person who clearly and conspicuously specifies to the consumer an address for notices referred to in subparagraph ( B ) shall not be subject to subparagraph ( A ) ; however, nothing in subparagraph ( B ) shall require a person to specify such an address. 


By the provisions of the FCRA and the 15 U.S Code 1681 I am demanding that the inaccurate information such as my address and inaccurate names be removed from my credit report.
Product: Checking or savings account

On XX/XX/2022 @ XXXX, I went to a Navy Federal ATM XXXX XXXX XXXX TX XXXX I was making a {$500.00} deposit and the atm had taken the money for the deposit. But the atm shut down in the middle of the transaction. I called customer service immediately while this happened and they made a dispute but could not credit my account the {$500.00} even though this atm is serviced by Navy Federal itself. They told me itll take up 10 business days even though the fault was theres. Now Im out {$500.00} that I was needing going out of town for bereavement.
Product: Checking or savings account

Heres the final version of the complaint with all your details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX DC XXXX Subject : Complaint Against Chase Bank Unauthorized Charges Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Chase Bank regarding over {$55000.00} in unauthorized charges on my account, which were made to XXXX without my consent. 

Details of the Complaint On XX/XX/XXXX, I discovered multiple unauthorized transactions totaling over {$55000.00} on my account to the current month. These charges were made to XXXX a gambling website, without my authorization or knowledge. 

Upon discovering these transactions, I immediately took action by going into the local branch : On XX/XX/XXXX, I contacted Chase Bank customer service to report the unauthorized transactions. 
I submitted all necessary documentation, including account statements and transaction details, as requested by Chase Bank. 
Despite my prompt reporting, Chase Bank has denied my claim and then reopened it and is making me wait until the next day and the next day and so on and so forth. 

Attempts to Resolve the Issue I have made multiple attempts to resolve this matter with Chase Bank, including : 1. Filing a dispute on XX/XX/XXXX, immediately upon discovering the fraudulent transactions. 
XXXX. Providing all supporting documentation and information requested by Chase Bank. 
XXXX. Following up repeatedly without receiving a satisfactory resolution. 

Impact of the Issue The unauthorized charges have resulted in significant financial hardship. The loss of over {$55000.00} has : Disrupted my businesses financial stability. 
Prevented access to necessary funds for my living expenses. 
Caused immense emotional distress. 

Requested Resolution I respectfully request the following : 1. A full investigation into the unauthorized charges on my account. 
XXXX. Reimbursement of the $ XXXX that was fraudulently withdrawn from my account. 
XXXX. A formal explanation from Chase Bank regarding their handling of this issue and measures to prevent such occurrences in the future. 

Attached to this letter are the following supporting documents : Bank statements highlighting the unauthorized charges. 
Correspondence with Chase Bank regarding this issue who is now assigned to my case. 

Thank you for your attention to this matter. I trust that the CFPB will investigate Chase Banks handling of this issue and ensure that I am reimbursed for the fraudulent charges. 

Sincerely, XXXX XXXX Attachments : 1. Bank statements showing unauthorized transactions
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I recently received a copy of my XXXX credit report, and I noticed some late payments posted on my credit report : XXXX  XXXX company is in clear violation of the law. Under 15 USC 16816 - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly States : ( 2 ) EXCLUSIONS -Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. 
Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and damaging my creditworthiness.

Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed. 


Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name_COLLECTION MANAGEMENT LINCARE Date 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
Product: Debt collection

XX/XX/2019, was contacted by American Express to set up payment arrangements to pay final XXXX. 

Prior to discussion a statement was read, effectively stating my state of Virginia wont let them collect this debt any longer. 

American Express is still supplying a late notification to credit agencies lowering my credit score.. I advised the representative that I am on XXXX and due to statement read didnt want any further communications and requested debt be written off, due to length of the debt and my states regulations. 

Please advise
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX -- -INQUIRIES -- - 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 :
Product: Credit reporting, credit repair services, or other personal consumer reports

There are hard inquiry 's from this company showing on my credit report. I have never applied from credit from this company.
Product: Vehicle loan or lease

I have an auto loan with Truist Bank. I have recently moved from XXXX to XXXX XXXX and need to register my car in the state. In order to register my car, the State requires that I have the police department perform a VIN check and for that I have to present the title even if there is a loan on the car. I talked with Truist by phone twice. First, I was told that the State had to request the title. The State 's policy is that it will not request title information from lienholders or leasing companies. The State told me I needed to request the information. I spoke with another person at Truist who said that I could request the title myself by only by fax. I did that by fax on XXXX - requesting that the bank send title information to the XXXX DMV. The State received nothing. The State told me I should request that it be sent to me as the State will give it to me anyway when the State receives it so I can take it to the police department. I requested that of Truist on XXXX by fax and on XXXX by email. I did a chat with the Bank today and it refuses to send the information to me. I have a transcript of that discussion. I need to register my car. I need evidence of title so that I can comply with the State of XXXX XXXX XXXX registration laws. Thanks.
Product: Payday loan, title loan, or personal loan

On XX/XX/2019 zocaloans debted XXXX from my account and it posted on my account the following day on XX/XX/2019 on XX/XX/2019 I received a email from them saying they have not received my payment I called them with the bank ref # and provided email copies of a bank statement showing it was taken and paid on time the rep continued to say that is false I also stated to revoke ACH auth on my account and I will pay online or by XXXX XXXX the rep stated that he couldnt help and to email him the written request I have proof they have taken my money and are trying to scam me out of my money I need them to remove me from ACH payments and also post the money that they took from me
Product: Credit card or prepaid card

Barclaycard.us and their other brand XXXX WEBSITES NOT WORKING Both websites are DOWN repeatedly. This started several months ago. It is impossible to 1 ) see and verify your card usage 2 ) pay your bill online I have 1 ) called the company several times 2 ) been transferred to tech support 3 )  talked to them for over 45 minutes 4 ) cleared cache, cookies 5 ) rebooted computer They are unable 1 ) to resolve the issue 2 ) to provide a contact email where screenshots and complaints may be sent They can take a payment over the phone. But you can not view your account history if you can not log into your account and are signed up for paperless billing! 

So I went to their XXXX page for help. XXXX XXXX XXXX Here, if you look at Posts from Others, and Comments below the Barclay 's posts themselves, you can see numerous consumers stating the same thing since XXXX. And the response from Barclay 's each time is 'our website is working ' and 'call us ' You can also see that the site has been down here XXXX XXXX XXXX It would be irresponsible to use these cards if I can not verify my account activity online. 
This issue has been continuing over several months. It is apparent that the company has been notified numerous times. This issue needs immediate resolution. 

Moreover, this is very concerning because twice last year I was issued a new card and account # from Barclays ( I did not request one. ) When I called to ask why, they said it was due to a data breech on their end. But their mailing simply said " here is your new card '' and did not disclose any data breech.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX  XXXX XXXX, MI XXXX XXXX XXXX XXXX  XXXX Balance : {$570.00} ; XXXX XXXX XXXX Balance : {$7000.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$310.00} ; XXXX XXXX XX/XX/XXXX.