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

At the beginning of XXXX within about a days time, Chase bank authorized a E-Withdrawal of {$2500.00} from my savings which was not set up for withdrawal. They then authorized transfers from savings to checking where more E-withdrawals were done. Total fraudulent withdrawals were {$2200.00}, {$2000.00} and {$1800.00}. The bank has denied claims for everything but the saving withdrawal of {$2500.00}. They are not resolving this last claim in a timely fashion leading me to believe they are trying to run out the 60 day clock.
Product: Credit reporting, credit repair services, or other personal consumer reports

Southest is collection agency that has reported a fraudulent account on my credit report I have provided them with my information and police report regarding the matter and they have not removed the fraudulent and erroneous reporting
Product: Credit reporting or other personal consumer reports

The problem I've been having is I've had to dispute the credit card company XXXX  three times with Transunion over my account statement 's not being updated each month. i called current and they keep telling me that they did report my information and its Transunion fault my credit score dropped XXXX points and Transunion isn't updating the information. Then i called Transunion to dispute and the information comes back as accurate. so i have to file another claim through Transunion and this time they added the other months to my credit report and now 2 weeks later everything is deleted off my report and only show the month of XXXX. They will not include XXXX, XXXX, XXXX, or XXXX even after disputing calling and complaining to Transunion and XXXX. I Cant apply for new cards to help build my credit I'm trying to move but not after a XXXX point drop on my credit for no reason of false information. They report the balance from XXXX for each month afterwards is fraudulent i need help
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. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX  XXXX XXXX late open Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX  XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021
Product: Credit card or prepaid card

CareCredit lowered my credit limit from {$2500.00} to {$1500.00} because my credit score dropped. This seems unethical and illegal.
Product: Student loan

On XX/XX/19, a payment was submitted from my personal bank account to a loan consolidation company called, " Federal Consolidation '' based out of XXXX, TN for the amount of {$260.00}. The next day, XX/XX/19, this payment was cancelled by the company but I never received the corresponding refund to my bank account of {$260.00}. I spoke with a representative from this company who told me I would be receiving this refund soon. It is now XX/XX/19, and I have still not received this money and I can not reach this company by phone or by email to determine the status of my owed refund. The company has not reached out to me in this period of time to resolve the issue of the refund. I spoke with my federal loan servicer and have requested to cease services with " Federal Consolidation ''.
Product: Credit reporting or other personal consumer reports

I have no connection to these inquiries, and they do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was purchasing airline tickets on United 's website. As I was getting ready to check out there was an offer for the XXXX XXXX card that said if I applied and got immediately approved that I could get a {$250.00} credit after the purchase and additional miles after spending {$3000.00}. I used that link to apply for the card and was immediately approved and then used the card to make my purchase. Several days later I called to find out when the {$250.00} credit would be applied to the account and keep getting told they have no record of the credit offered. I have spoken with XXXX and Chase on multiple occasions trying to get this issue resolved. 
I applied for the card using the offer link provided on the United page that was provided online ( a {$250.00} credit to my account with my first purchase and the airlines miles after spending {$3000.00} in the first 3 months. ). I don't know why people keep saying they have no idea what I'm talking about regarding the {$250.00} account credit. This seems like a case of false advertising at this point. I wouldn't have even applied for the card if that offer hadn't been advertised on my purchase. 
On XX/XX/XXXX at XXXX pm, I called again asking for information. The representative told me that the {$250.00} credit would be refunded to my account when the cycle closed on XX/XX/XXXX. I called three times this morning ( XX/XX/2022 ), and the representative told me that there is no refund of this offer in my account. They say that they will transfer me to a higher representative but the call cuts. So, there is no answer. I have recorded some calls for my safety. 
If you check the page of XXXX XXXX, there is an advertisement that offers a {$250.00} credit statement and XXXX bonus miles. It was the same advertisement but XXXX bonus miles instead of XXXX. 
I am attaching a screenshot of the offer shown on the website.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has stated that the account was verified as accurate, which is not true! 

XXXX XXXX  XXXX XXXX On Monday, XX/XX/2023, the company of the above account, sent an email to my complaint and stated that they reported to the credit bureaus on XX/XX/2023, to delete the account due to fraud ( EMAIL ATTACHED ). HOW CAN THE ACCOUNT BE VERIFIED WITH Transunion, IF THE FURNISHER HAS STATED IT WAS DELETED?! YOUR CONSUMER REPORTING AGENCY HAS BEEN KNOWINGLY REPORTING INACCURATE INFORMATION FOR OVER TWO DESPITE MY REQUEST FOR DELETION AND HAS VIOLATED SO MANY LAWS WITH THEIR WILLFUL NEGLIGENCE & NON-COMPLIANCE!
Product: Credit reporting or other personal consumer reports

These inquiries were not initiated by me and I firmly believe they are fraudulent. I request a thorough investigation and immediate removal from my credit report. Supporting documents have been furnished for your consideration.
Product: Checking or savings account

Unauthorized withdrawals are being from a fraudulent from the XXXX XXXX XXXX XXXX. They are stealing money from my XXXX  XXXX XXXX checking account. I filed a fraud dispute claim against them, but now they have changed the name of their company in a sneaky manner to Equitable Acceptance Corporation and continuing to steal more money with additional unauthorized withdrawals. 

I called and filed another dispute with the fraud dept of XXXX  XXXX XXXX. This is getting out of hand and I need assistance to put a stop to their dishonest and criminal business practices.
Product: Student loan

I am totally  XXXX . I have been totally  XXXX  since  XXXX . I have been receiving social security  XXXX  since  XXXX .   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  . I provided this information to MOHELA when I went on   XXXX   XXXX    XXXX . I was told that while there was no loan forgiveness for  XXXX  ( I WAS TOLD THERE WAS NO LOAN FORGIVENESS ) that I did qualify for payment adjustments based on income. I provided copies of my social security notification in  XXXX  and was mailed information about income based payments. I have occasional income, but it has never exceeded the amount set by social security. I sent a very comprehensive set of documents to MOHELA in  XXXX . Despite MOHELA knowing of the permanent  XXXX  and having the documents, no one has ever discussed anything other than forbearance. Each time since then that I have discussed adjusting my loans I am advised to fill out forms for forbearance. I have inquired if there are forms that my doctor can provide related to being permanently  XXXX  on at l east two occasion s and I have been told no, but advised of forbearance and sent these forms. Occasions have arisen when I was hospitalized and had hospital bills not covered by insurance. I have inquired about other ways to handle my loan and clarified that I was totally  XXXX , but each time I am instructed about forbearance and am sent forbearance forms. It was not until today that I received any information about forgiveness. It is my understanding that Social Security notified MOHELA of my status and they then sent me forms describing what I required to have the loan forgiven. It appears that I have qualified for this since  XXXX .
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an XXXX XXXX assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information from XXXX. 

Please delete the following accounts : Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX balance XXXX XXXX balance XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX balance XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Pulled my credit report and seen an account that does not belong to me. I believe this an act of fraud and will need the fraudulent account removed. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). 
Account : PORTFOLIO RECOVERY ASSOCIATES, # XXXX
Product: Checking or savings account

Hi somone was able to use my card mulitple times on a XXXX that isnt mine and my dispute was denied
Product: Checking or savings account

Hello, This complaint has to do with ATM deposits I made with through Chase ATM 's. 
On XX/XX/2021 at XXXX I deposited {$600.00} dollars into a Chase ATM. I was given a receipt and told to call Chase regarding the deposit to be sure it was successfully made. 
On XX/XX/2021 at XXXX I made another deposit of {$600.00} dollars into a local Chase ATM, and was given the same prompt to call Chase. The same day, I tried to make another deposit at XXXX at another location, since I needed my funds to show in my checking account for inventory purchases for XXXX XXXX XXXX. 

I called Chase and was told my money would show in my account, and for one of the deposits I made it did. However, for the other deposit I was given a temporary credit, and the last deposit I made a claim was never made until I called back to figure out where my money was after two days. Even then, I was hung up on more then once, and was told a claim was never filed, then it was, then there was system errors. Finally I was able to talk to a supervisor who told me he just helped a lady with this issue and that it can happen more then frequently and assured me it had nothing to do with my debit card. After all my encounters with Chase, this man was very nice, and instructed me I had to call the branch where the money was deposited. Upon doing so, the branch would not assist me and neither would the Claims Department when I called back. Which is very unfortunate because of this, I missed the opportunity to have a cash outlay of more then {$20000.00} selling merchandise for XXXX XXXX XXXX. 

Because of this, I've stopped placing as much funds into my Chase account and when I do make deposits I record the transaction on phone so if a dispute arises I'll have video evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have A List Of Hard Inquiries That A Car Dealership Authorized Without My Permission. I'd Like For Them To Get Deleted Please. The Inquiries That I Would Like To Be Deleted Are " 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 and Also XXXX XXXX XXXX XXXX XXXX All Which were Never Authorized By Me. Please Fix This As It's Not Me Who Allowed For These Inquires To Be Authorized On My Behalf. Delete These Immediately At Your Earliest Convenience.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was an unauthorized credit pull from American Express that in turn cause me to obtain a hard inquiry on my credit report. This hard inquiry reduced my credit score. I was not aware nor authorized this inquiry on XXXX XXXX, 2017. I will like this to be removed from my credit report because it is fraudulent and I am a victim of identity theft. Along with American Express, XXXX and XXXX XXXX was pulled fraudulently.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete these inquiries from my report. 

XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX Retail, Not Elsewhere Classified Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX   Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XX/XX/2021
Product: Credit card or prepaid card

Various conflicting explanations as to why I have not received the card that is holding hostage all of my unemployment benefits from XXXX to XXXX. refusal to approve an emergency cash transfer
Product: Credit reporting or other personal consumer reports

AAFES star card did not explain how they increased my line of credit without my written permission. They also did not cite the CFR, stating why they could not do this. I am a disabled combat veteran. 
Please ask them to cite the specific CFR regarding how they increased my credit line and how they claimed the charge off.
Product: Credit reporting or other personal consumer reports

I RECENTLY BEEN DENIED CREDIT BECAUSE OF THE FRIVOLOUS INFORMATION THATS REPORTING ON MY FILE. I REALLY DONT UNDERSTAND HOW ARE THESE ITEMS REPORTING WHEN INFACT THEY WERE NEVER TAKE OUT. IT IS MY RIGHT AS CONSUMER AND A CITIZEN TO FIGHTAND REACT TO ANY UNAI WAUTHORIZED INFORMATION REPORT ON MY FILE. I KNOW BY LAW THE CREDITOR HAS 30 DAYS TO RESPONSE ANY CLAIMS REGARDING THIS MATTER, BUT I AM GOING TO ASK THE BUREAU TO SPEED UP THIS PROCESS AND REMOVE THESE MISLEADING INFORMATION OFF MY REPORT BECAUSE ITS HURTING MY ABILITY TO OBTAIN CREDIT. THE FEDERAL TRADE COMMISSION WILL BE NOTIFIED IF THESE ITEM ARE NOT BE NOTIFIED IF THESE ITEM ARE NOT DELETED WHEN THE RESULTS COME IN YHE MAIL.

Thank you
Product: Payday loan, title loan, or personal loan

Hello My name is XXXX XXXX XXXX XXXX XXXX maiden Name ) My social security number is XXXX XXXX XXXX My contact number is XXXX XXXX XXXX XXXX XXXX is reporting a very old account only on my XXXX report and not XXXX or XXXX Wanting to know why And if we can get the account XXXX from XXXX Thank you
Product: Credit reporting or other personal consumer reports

I have reason to believe that my personal information has been compromised and I would like to take further steps in having this account re-investigated. In accordance with Fair Credit reporting act 15 U.S code 1679 " you have a right to dispute inaccurate information in your credit reporting by contacting the credit bureau directly '' and this information is believed to be incorrect. I was a victim of identity theft where my information was stolen and accounts open under my name. One of the accounts that I'm a victim of identity theft is Sezzle when I reviewed my credit report with Equifax, and I noticed the sezzle account reporting I contacted Sezzle and advised them that I did not authorize this account to be open or to report to the credit bureaus after speaking with a representative I was told that the account would be closed, but the information will remain on my credit profile but I did not authorize this account to be open at all so this account should be removed from my credit report due to identity theft I reached out to Equifax to have them investigate the account, but it came back accurate which I don't know how because I have multiple messages where I've been a victim of identity theft and accounts are open and my name with other lenders so I'm asking your company to help me re-investigate the decision that Equifax made so that I could have this account removed on my credit profile as it is hindering my score. I have yet to see proof from Equifax that this is accurate information. I haven't seen any documents that I have signed with Sezzle proving that I indeed open the account in my name and gave them permission to report to the bureaus so Equifax is reporting false information on my credit report and it needs to be investigated immediately.
Product: Credit reporting

Equifax failed to properly investigate my account with XXXX and has reported it incorrectly. Account was RE-AGED. Equifax is reporting I have late mortgage payments in XXXX of XXXX and the account was CLOSED in XXXX. See attached proof. In addition this account is actually older and should not be reporting at all. Equifax failed to properly investigate my earlier dispute. 

We requested an investigation and XXXX failed to provide us information in the allotted time frame as set forth by XXXX They are reporting inaccurate information on Equifax credit report. XXXX no longer report this account as the information was not accurate and any negative information is over 7 years. Our mortgage with XXXX was paid in full in XXXX. We do not recognize the account number they are reporting on. We also do not recognize the balance as the amount was different when we sold the home ( see settlement statement attached ). 

INVESTIGATION REQUEST : On XXXX XXXX, XXXX because we needed clarification we certified a letter to XXXX through usps and also faxed a letter requesting an investigation and requesting proof. ( see proof of delivery of usps and fax ) XXXX did not respond to our investigation request. The time has passed for XXXX to respond. 

By failing to respond to our investigation request within the allotted time-frame as is set forth by XXXX, XXXX has confirmed that the information they are reporting is inaccurate and they should immediately delete the trade line. 

We were also part of the Independent Foreclosure Review and received a settlement from XXXX. ( see attached ) They were negligent back then and they are negligent now.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXXXXXX XXXX XXXX XXXX Balance : {$15000.00}, XXXX XXXX Balance : {$6600.00}, XXXX XXXX XXXX Balance : {$35000.00}, XXXX XXXX XXXX XXXX Balance : {$14000.00}, XXXX XXXX Balance XXXX {$0.00}XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1400.00}, XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00}, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXXXXXX Account # XXXX DEPTEDXXXX Account # XXXX XXXX XXXX XXXX  ( XXXX XXXX  ) ACCOUNT # XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) ACCOUNT XXXX XXXX XXXXXXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX ) ACCOUNT # XXXX Has violated my rights.

15 U.S.C 1681 section 602 A States I have the right to privacy.

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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. My credit report includes the erroneous information that needs to be investigated and remove : XXXX XXXX XXXX XXXX Date Opened : XX/XX/18 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The creditor, XXXX XXXX  XXXX, took possession of my vehicle in early XX/XX/XXXX, despite me being ahead of my payment schedule. When I called the company, they stated an error had been made, and returned the vehicle to my possession. Shortly after the company towed my car without cause, the transmission failed, due to the tow operators treatment of the vehicle. In early XX/XX/XXXX, I called the company, requesting them to take the vehicle back. At the time, they informed me the repossession would appear on my credit, which I understood. At the time I returned the car, my payments were up to date. 

Starting in XXXX of XXXX, the creditor started reporting a delinquent balance of {$5700.00} and have continued reporting that outstanding balance each month. The information on my XXXX Report has been updated correctly, however, both XXXX and Experian continue to reflect the account in 90+ days overdue status every month. Since the day I called the creditor to take back the car, I have not had any communications regarding the balance owed on the vehicle, any value the company was able to recover, or any deficiency balance owed to the creditor by mail or by phone.
Product: Debt collection

Portfolio Recovery Associates just called me today on a 11 year old debit that was off my credit report and they did try by mail in 2012
Product: Checking or savings account

I closed my account at US Bank on XXXX XXXX was told a cashier 's check was mailed out on XXXX! XXXX have made multiple inquiries about the status of my cashier 's check and have been told Multiple conflicting information about the status of the cashier 's check.Im still waiting for my check to arrive and today I was informed that my cashier 's check has not been issued yet.I asked to speak to a supervisor but apparently none were available.I gave them my phone number for the explicit purpose of returning my call.I was informed that I would receive a call within 24 hours.I find this unreasonable.My entire life is on hold as a result of the banks inconsistent information they are providing me I have never had such difficulty with a financial institution as I have experienced with this bank.

I need to obtain my money from the bank, but there seems to be road blocks preventing this.

I am seeking a resolution to this debacle.

Thank you