23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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 USC 1681XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Payday loan, title loan, or personal loan

Goodleap has failed to provide periodic billing statements in which an electronic fund transfer have occurred. I receive automated billing notices around the XXXX of each month that payment is due on the XXXX of the following month ; however, Goodleap continues to ignore its requirements in 12 CFR 1005.9 ( b ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed in disputes weeks ago and the credit bureaus have not responded. The following accounts and inquiries do not come from anything that I have done.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts on my credit report that do not belong to me they are not my accounts!!!!! I have opened an FTC I have emailed, mailed and made numerous phone calls to all the bureaus and the furnishers and they keep saying we will look into this or opena dispute yet nothing is being done I need help to resolve this why are the credit bureaus reporting incorrect information!!!! 

XXXX XXXX XXXX  XXXX XXXX - Acct # XXXX XXXX {$34000.00} XXXX XXXX  XXXX - Acct # XXXX XXXX {$0.00} INQUIRIES Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX  XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX  XXXX Inquiry Date : XXXX XXXX, XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. Experian must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item needs to investigate and correct for erroneous reporting in my file and is listed on my credit report. Please correct this ASAP : XXXX XXXX XXXX
Product: Credit card or prepaid card

American Express customer service is the worst nightmare XX/XX/2019, I tried to book 2 airline tickets on Amex travel website. During the final step of the booking, the page showing me errors as theres a problem with the booking and that I need to call Amex customer service to check if my reservation went through even though I saw a pending charge on my card for the amount of {$7400.00}. However, I got no reservation number, no confirmation.I called Amex immediately and was confirmed that nothing came through, they also advise me to rebook my ticket and that they will stay on the phone to make sure. They also informed me that the pending charge will dropped after a few days. The second booking went through with no problem XX/XX/XXXX, the initial charges still on my account, we contacted customer service once again and also were advised that the pending amounts will go away XX/XX/XXXX, the charges posted on my account. I called Amex and got transferred to 5 different people. I was put on hold for an hour and the agent told me they will contact me back as soon as possible. No one ever call me back. They also told me that I over charged my card and that the card might be declined (!!!!!!! ) XX/XX/XXXX, Im on a business trip, and of course, my Platinum Amex declined. I now have no credit card on hand for my expenses. I called them again, got transferred to several agents and at the end got hang up on while waiting to be transferred Ive heard lots of good things about American Express and was excited to get the platinum card. As a new customer, I feel angry, frustrated and upset with the whole experience. I feel unappreciated and lied to. Its an acceptable for a company like American Express to not follow up with customers to try to resolve the issue.
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. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

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 XXXXXXXX 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 INQUIRIES NAME DATE I HAVE NOT AUTHORIZED THESE AND HAVE NO KNOWLEDGE OF THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had made payments on the payment due date, and they still report to credit bearers that the account was 3 months late.. I talked to a XXXX  supervisor and they agreed with me that the fees and late status was wrong...
Product: Credit reporting, credit repair services, or other personal consumer reports

Date Opened : XX/XX/19 XXXX XXXX XXXX  has violated my rights as a consumer. According to 15 USC 6802 : ( b ) Opt out, ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party. I did not get an opportunity to choose if I wanted my nonpublic personal information disclose to any third party including credit reporting agencies. I have expressed to XXXX multiple times through letters, that i do not want my information/transactions/experiences furnished to ANY third parties. I have sent multiple letters yet I have gotten no response to my issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity Theft on XX/XX/XXXX Person created fraudulent account on Experian.com, using fraudulent e-mail address. They were able to down load my credit report to fraudulent e-mail address and proceeded to use credit information. 

XX/XX/XXXX - Discovered fraudulent activity on my personal bank and checking accounts. 
XX/XX/XXXX - Closed all bank accounts. 
XX/XX/XXXX - Mailed complaint of fraudulent e-mail address to Experian Fraud Department, XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX - Received Experian report # XXXX XX/XX/XXXX - Unable to connect to an Experian a live customer service agent at any of the following phone numbers : XXXX or XXXX or XXXX or XXXX. Automated menu, no option to reach an agent. ( Attempts on many other days ) XX/XX/XXXX - Fraudulent e-mail address still associated with Experian account. No response from Experian and unable to contact via phone. 

This is very dangerous activity by Experian. The company collects sensitive credit information and allows fraudulent accounts t be created with just a few pieces of personal information. Then enacts no remedy when fraud is discovered. 

If you personally have not created an account on Experian, I recommend doing so now. Experian does not directly notify consumers they are collecting your credit information, and they do not advise you directly to open an account, or provide any warning that if you do not open an account this exposes you to fraud. You must create a user name and password, or anyone with your social security number and DOB can steal your information. This is also true of XXXX, XXXX and XXXX, and incidentally on the Social Security website as well. As far as am aware, these agencies do not inform people directly of this necessity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have initiated several disputes in my credit reports due to incorrect information reporting on my credit reports. I mailed letters requesting disputes to XXXX, XXXX and XXXX on XX/XX/2019, XX/XX/2019, and finally on XX/XX/2019. I received letters back from XXXX  with updates to my credit reports but, I never received one letter from either XXXX  or XXXX. NOT 1 LETTER! In accordance with the FCRA the credit bureaus are mandated to respond back to my disputes letting me know the results of the investigations but, XXXX and XXXX have FAILED to respond 3 TIMES! This is unacceptable!
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration regarding your company 's mishandling of my credit report dispute. Since I discovered discrepancies in XXXX of this year upon returning from XXXX, where I buried my mother, I have taken every possible step to address this issue diligently. I initially submitted a dispute on XX/XX/XXXX, followed by additional supporting documents 15 days later after receiving notice that the original copies were of low quality. Despite complying promptly, I encountered complete silence on your part. Subsequently, I received a letter accusing me of employing a credit repair organization. To clarify, as I already stated in a follow-up letter, I personally sent all correspondence. Despite this clarification, I have yet to receive any resolution or meaningful response from your company. This ongoing neglect and mismanagement have caused me undue stress and raised serious concerns about your company 's commitment to consumer rights and compliance with the law. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, credit reporting agencies are required to investigate disputes and respond within 30 days. Your failure to do so violates these requirements. Additionally, the Massachusetts Consumer Protection Act, M.G.L. c. 93A, prohibits unfair and deceptive practices, which I believe your actionsor lack thereofconstitute. Your personnel 's inability to communicate effectively in clear English and the repeated delays and contradictions in your process are unacceptable. This lack of accountability not only hinders my efforts to resolve inaccuracies on my credit report but also erodes my trust in your institution 's integrity.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Credit Card XXXX has violated my rights. 

XXXX XXXX. XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX. XXXX section XXXX A Section XXXX : 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

In accordance with the Fair Credit Reporting Act XXXX reporting Account # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX Account # XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 Section 602 A, States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security. XXXX XXXX XXXX {$1100.00} XXXX XXXX {$71.00} XXXX XXXX  XXXX XXXX {$780.00} XXXX XXXX XXXX {$75.00} XXXX  XXXX {$270.00} XXXX XXXXXXXX {$250.00} XXXX XXXX XXXX {$360.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX {$100.00} XXXX  XXXX XXXX {$43.00} CHAPTER XXXX BANKRUPTCY DISHCARGED XXXX {$0.00} XXXX XXXX/XXXX   XXXX {$920.00} XXXX/XXXX XXXX {$440.00} XXXX XXXX  XXXX {$880.00} XXXX  XXXX {$780.00} XXXX XXXXXXXX {$2400.00}
Product: Credit card or prepaid card

On XX/XX/2022 I applied for a Capital One/Menards Big Card via Menards website . I received a letter directing me to call the fraud department to provide more information. Upon receiving the letter I noticed that there was a mistake and my last name was duplicated on the letterhead. I called and was told that the duplicated name was the issue and I would receive a reply in two weeks. I then received a letter asking for proof of income and tax return information. I sent it to them I then followed up several times and was told I would receive a letter in two weeks. I never received any letters from this point. 

The reason I am filing this complaint is because I don't understand why I would be denied the card. At the time having just under an 800 credit score and a 100 % on time payments record. I also have other Capital One credit cards, even had an auto loan through Cap. 1 without any issues. I believe that I deserve an explanation why I can't get a card from a store that I purchase thousands of dollars a year on home improvement products from. 

Thank you for looking into this for me and my family. 

XXXX XXXX XXXX
Product: Checking or savings account

My savings account number was used by an unauthorized person for three transactions. Two transactions on XX/XX/2018 for {$19.00} and {$3700.00} to an unknown XXXX account I reported the very next day to both the bank and XXXX. The one transaction I did not notice was on XX/XX/2018 for {$10.00} also to an unknown XXXX account .The bank and XXXX both recognize these transactions as being fraud charges. The banks claims department sent me two letters back stating because I did not call in on the {$10.00} fraud charge within 60 days they refuse to credit the other two. They seem to think if I did catch that transaction back in XXXX the unknown person would have not been able to get any more funds as they would have closed my account. But yet my account is still open to this day. And who's to say they don't come up with the new account, they some how got this one.
Product: Money transfers

{$3.00} REFUND REFUSED FROM A FAILED WESTERN UNION XXXX XXXXI MADE A MONEY TRANSFER THROUGH WESTERN UNION AT THE XXXX STORE XXXX XXXX XXXX XXXX, DE ( XXXX ) XXXX MANAGER XXXX. THE TRANSACTION NUMBER SHOWED AS VALID THROUGH WESTERN UNION TRACKING ONLINE. ' '' SEE ATTACHMENT ''. HOWEVER THE RECIPIENT WAS TOLD THE XXXX NUMBER WAS INVALID. AND THEREAFTER IT WAS NO LONGER VALID WITH ONLINE TRACKING. XXXX MANAGER XXXX SAID WESTERN UNION HAS TOLD HER IT HAS CREDITED BACK THIS AMOUNT TO THE XXXX STORE BUT SHE SAYS IT WAS NOT. AND IF IT WAS THE MAXIMUM REFUND I COULD RECEIVE IS {$990.00} ACCORDING TO CORPORATE POLICY AFTER SPEAKING WITH THEM. COULD YOU KINDLY ADVISE ME WITH THIS MATTER. 
MY NAME IS XXXX XXXX PHONE # XXXX. 
XXXXXXXXXXXX I THOUGHT I SHOULD ADD THAT WESTERN UNION TOLD ME OVER THE PHONE THEY COULD MAIL ME A REFUND CHECK BUT IT WOULD TAKE TWO WEEKS OR I COULD DRIVE XXXX ABOUT XXXX MILES AWAY TO RECEIVE A CASH REFUND. I DO N'T BELIEVE THAT AND NEITHER DOES THE XXXX MANAGER XXXX XXXX, DELAWARE.XXXX ) XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lag posting of charges and credits this is your alliance with the recent cfpb findings against Navy Federal for similar practices, were transactions settled with insufficient balances despite initially available funds.I believe these practices are unfair and request and investigation into my account transaction
Product: Credit card or prepaid card

XXXX, I spoke to you months ago in regards to the POOR customer service provided by Capital One. After speaking to you, I was hoping that the customer service would have improved, however, it has not. I discussed with you and requested numerous phone calls from your colleagues as well. I guess they feel they're too important to call consumers that contributes their high interest rate payments to the generous salaries that you guys make. I recently applied for a SPARK business credit card. After receiving an email from Capital One stating that I was approved for the BIG XXXX credit limit, I contacted Capital One and spoke to a supervisor to obatin an update on the card. Initially, I was informed by the supervisor that he could not see where I was approved. After explaining over and over that I had received an email, he then told me that he had found the approval. The supervisor then informed me ( 2 weeks ago ) that the card would be out to be in about 7 days and was being mailed. After not receiving the card yet, I contacted Capital one today and was told that the card has not been mailed. As your fellow colleagues consistently provides poor customer service, there seems to be a MAJOR training issue. Correspondence has once again been sent to the CFPB. I also want to discuss my bad experiences with Capital One with the media and also the non-employee governing body of a Capital One. This company is a JOKE. I will inform other consumers and entrepreneurs not do business with this horrible company. After speaking to you, I could tell that you did not have interest in my concerns. What a JOKE, Capital one.
Product: Debt collection

In XXXX of 2023 my credit report showing XXXX charge off credit cards that I never opened in my name totaling XXXX. I reported these amounts to XXXX, XXXX and XXXX immediately as fraud and also reported them to AMEX. AMEX stated that XXXX of the accounts was canceled then that the other account we received a card and used it and would not be considered fraud. Which I never authorized opening any accounts, nor did I sign for any, also I never used the stated card. Then I was summoned in the mail and legal action was taken against me when I never committed any of the debt. I have since found out that AMEX Lawyers have been talking to and negotiating in arbitration with the person who stole my identity. They have a phone number on the court website that isn't mine and are continuing to discuss this matter with someone who is not me. Since then we have contacted the XXXX XXXX department and initiated an investigation. AMEX has yet to drop the law suit despite there being debit and credit cards being taken out in my name and someone stealing my identity. The law suit documents show that a debit card was taken out in my name and the suspect in question has been submitting payments under my name, in addition to all of the fraud that has been accumulated. AMEX has continued to move forward with pressing charges against me despite my identity being stolen. I am unsure of the exact account numbers that are being used because I don't have access to anything regarding the accounts or the statements
Product: Money transfer, virtual currency, or money service

Wire transfer sent to JPMChase, we ( me & my bank XXXX ) trying to reach chase bank to recall the transfer. We are nit getting response for fraudlent transactions sent to chase bank on XX/XX/2023 for amount {$50000.00} into scammer company : XXXX XXXX XXXX. my bank XXXXput a recall request to reciepent bank : chase Bank where money got deposited. Chase bank is not responding to recall request. We did 3 recall request. I have details for chase account number.
Product: Debt collection

Name is XXXX XXXX my complaint is that malen associates has not responded to my faxes and written communication regarding file XXXX the debt is for XXXX  XXXX credit card ending in XXXX. I ask malen and associates to set me up on a payment plan I could only afford XXXX XXXX dollars a month and I would like start my first payment in XX/XX/2023. But the problem here is that they have not responded to my request. And I think their doing that on purpose to make it look like I haven't responded in a timely manner. I wrote to them in XX/XX/2023 also.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXXXXXX XXXX XXXX