23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account Number- XXXX Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed above still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating.

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information.

I would also like to know if the furnisher provided you with my SSN, address or DOB.

Please forward an updated credit report to me after you have completed your investigation and corrections.

Your cooperation and prompt attention are required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

One main finanacial is reporting the incorrect balance on my credit report. This needs to be updated and showing that it is piad as agreed.
Product: Checking or savings account

on XX/XX/2024 my deposit from the veterans affairs was deposited into my newly opened venmo checking account thee amount deposited was {$4700.00} i made a charge that same day for {$9.00} and right after my account was frozen without notice and told my account would be closing and the the remaing funds would be held for 180 days which is unacceptable to me
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX XXXX XXXX AND XXXX XXXX XXXX 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 XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX, XXXX XXXX XXXX AND XXXXXXXX XXXX XXXXXXXX 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 reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX Balance : {$34000.00} XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXXXXXX Balance : {$190.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$170000.00} XXXX XXXX XXXX Balance : {$550.00} XXXX XXXX Balance : {$170000.00} XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$35000.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent to Experian and XXXX copies of my current drivers license along with utility bills showing my correct address and that the ones they have listed other then it are incorrect. Yet they do not remove them, I have sent the proof to XXXX 3 times and each time they claim they need me to resend the proof. I do not understand why they are being so difficult in correcting my address. I have also notified them and ask for proof of several inquiries appearing on my report yet they both just send me canned letters about credit inquiries and nothing proving I authorized them or any thing, this also includes XXXX XXXX in this complaint on the inquiries.
Product: Checking or savings account

My name is XXXX XXXX I have an account with DailyPay a paycheck advance service I have sent DailyPay numerous emails about my missing money DailyPay owes me over XXXX dollars of my earned paycheck money I only received XXXX remainder pay direct deposit out of XXXX payperiods I have provided DailyPay with documentation proving there error plus they have charged me over for transfer fees each DailyPay transfer I do they take XXXX cent and they take XXXX cent from my available balance Daily money then they charge me XXXX dollars from each payperiod this XXXX cents is only suppose to be charged when I do a transfer they are charging me 3 times and XXXX out of my biweekly check and DailyPay only provides XXXX percent of my daily pay where is my remainder pay from that iam missing so much of my paycheck money please look at my dailypay statements and please look at my bank statements there is a big difference showing that iam owed money that dailypay refuses to give me DailyPay is operated by XXXX bank
Product: Credit card or prepaid card

On XXXX I purchard XXXX XXXX XXXX From XXXX XXXX XXXX.. 
At time of Purchased I gave two deposits one for {$400.00} from XXXX and second for {$500.00} using my XXXX XXXX XXXX / XXXX XXXX XXXX.. 
After investing XXXX in repairs I find out the car needed additional {$920.00} in mechanical safety repairs that the dealer refused to repair acourding with NJ MV inspection Rules ... 
At that point I returned the car on XX/XX/XXXX to my selling dealer. 
On XX/XX/XXXX My selling dealer XXXX Paid off my installment contract with XXXX Canceling and Voiding this whole deal and any oplagations to said car. 
Since then I have recived my first deposit from XXXX card for {$400.00} Howerver my XXXX XXXX is holding me to the orginal contract that states its a none cancelable contract actording to the seeling dealer however the dealer has canceled the deal making all deposits refunable ... 
The issue I have is with XXXX XXXX XXXX / XXXX XXXX XXXX XXXX Refusing to issue a full refund in the amount of {$500.00} do to a voided purchard of Merchandise ( ie : XXXX XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I certified mailed a letter informing XXXX, XXXX, and Transunion of the identity their and the accounts that are not mine. Along with the letter I have sent them a police report, the a copy of your XXXX Identity Theft Report, a government-issued ID with a photo, proof of your address, social security card and Notice to Furnishers of Information.
Product: Checking or savings account

I had a savings account with bask bank. XXXX day I had an email that there was suspicious activity and that my account was frozen so, I immediately called. Bask Bank told me that my refund of XXXX was fraudulent and despite proof and emails and pictures of my account still would not let me into my account. 

I lost my car, almost, my apartment and with XXXX young boys. I gave the bank fraud ( XXXX XXXX ) dept conversations with the online reps about my refund being deposited back into my account, numerous email receipts, pictures of my account activity from prior XXXX  months previous. I also asked to talk to whomever it is that XXXX XXXX reports to and was denied time and time again. XXXX months later, I received an email from XXXX XXXX that she was closing my account and that I would owe XXXX dollars. 

A week ago, I received a letter from XXXX XXXX that I owed XXXX dollars to the bank. I feel like I have been made a pawn in a larger bank scam.
Product: Credit reporting or other personal consumer reports

did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Under 15 U.S.C. 1681i ( 7 ) Method of verification these Inquiries are in violation and should not be on my credit report. 
The Inquiries are the following : 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: Payday loan, title loan, or personal loan

I purchased a chair online and used affirm for the financing. The company I purchased the chair from says they never received the order and have no record of my purchase. Affirm is still charging me for the loan even though I've filed complaints, no response. I just want this loan cancelled.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I disputed an account on my credit report ( XXXX XXXX XXXX XXXX XXXX ) to TransUnion, XXXX and XXXX. I did receive a response on XX/XX/XXXX stating that the account was deleted. As of today XX/XX/XXXX, this same account has reappeared on my credit report when it was previous deleted. I have had this happened to me numerous of times with other accounts I have been disputing over the months as well far as renaming the account but still using the same account number for the account that was already removed as well. Please delete this account, ( XXXX XXXX XXXX XXXXXXXX XXXX ) from my credit report immediately and permanently. This account has not been resolved in over 90 days from my very first dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a {$50000.00} Home Equity LOC with Bank of the West in XX/XX/XXXX. I never used the account or had a balance. I requested the LOC be closed in XX/XX/XXXX and still reflects as current and open on my Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I have a problem I really need your help with this. This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by the law on my consumer report. 15 USC 1681b ( c ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer The following account listed below are a result of identity theft and was not initiated by me I demand that they are deleted immediately My identity has been stolen you are hearby put on notice Whoever during and in relation to any felony violation enumerated in subsection ( c ) Knowingly transfers, possession or uses without lawful authority a means of identification of another person shall in addition to the punishment provided for such felony be sentenced to a term of impressment of 2 years An identification of me has been used without my permission to open serval accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by federal law 15 USC 1681b permissible purpose of consumer reports 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 You have aided this fraud by not verfiying these accounts Congress States 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy Account name XXXX XXXX Pursuant 15 U.S code 1681c-2 Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt by such agency 1 proof of identity of consumer 2 a copy of identity theft report 3 the identification of such information by the consumer and 4 a statement by the consumer that the information is not information relating to any transaction by the consumer have attached all the relevant documents pursuant the above section of the law I demand all the above fraudulent accounts DELETED immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX am personally submitting this complaint. Please see attached documents supporting my complaint and demand.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the FCRA to conduct a reasonable reinvestigation in disputed information on my credit report leaving inaccurate and unverifiable amount unresolved. The CFPB had recently filed a lawsuit against Experian alleging systematic issues such as failing to forward consumer provided evidence to furnishers, excepting unreliable response and failing to adequately notify consumers of dispute outcomes. These failures asking with my experience where Experian has correct not removed disputed items dispute the evidence I provided cause ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the dispute accounts as Experian actions violates federal law and my rights
Product: Debt collection

Attatched are the letter from the manager at XXXX XXXXXXXX XXXX  XXXX stating she would remove XXXX delete the wrong info from debt from them to transunion XXXX and XXXX. After i have already paid the XXXX $ as of today. attatched is the official letter from XXXX XXXX at XXXX XXXX XXXX XXXX
Product: Checking or savings account

In the early morning of XX/XX/XXXX, I received an email from Chase bank informing me, " You can not use your account ( s ), and we will close it soon. '' After that, I continuously called the relevant departments of Chase on the same day. Since I still could not know the specific reason, I went to a chase branch in the afternoon. After the staff assisted me in inquiring, all I knew was that chase claimed they had the right to close my account at any timeneither disclosing the reason for closing my account nor giving me the opportunity to appeal. The fraud department of Chase told me closing my checking & saving account is an irreversible conclusion. Besides, Chase needs about XXXX business days to review my account. The branch staff guessed that maybe there was a problem with my XXXX. 

On XX/XX/XXXX morning, I went to another chase branch, which is the branch I opened an account last year. The staff helped me inquire about the review 's progress and tried to ask the reason for the closure. The answer was the same as before, but Chase still could not give the reason. Also, the review has not yet reached a final conclusion. They still need 5-10 business days to decide what to do with the current balance in my account. The branch staff helped me fill out a complaint through Chase 's internal system and suggested I call Chase 's fraud department daily to check on the progress. 

I've been using Chase 's various banking services since I went to study in the US last year in XXXX, and this debit card is also the card I've been using for the longest time. I cherish the partnership with Chase and hope it will continue. However, when Chase suddenly closed my account and locked my login, my current daily life was greatly disturbed. As a XXXX, I usually share XXXX XXXX meals, groceries, rent, etc., with my XXXX. For this reason, frequent XXXX transfers are inevitable when reviewing account details. Thus, when I got the account closing email and the bank staff reminded me there might be something wrong with XXXX, I carefully recalled what caused this. And two things may have triggered the monitoring : One thing is that my XXXX  ( XXXX ) transferred me about {$2300.00} on XX/XX/XXXX. Since my last tenancy contract expired, the real estate agent sent a check to my roommate for the three-month deposit we paid at the beginning, and then that deposit was transferred to us separately by him via XXXX. 
Another thing is that a friend of mine ( XXXX  ) once borrowed {$4000.00} from me, I kept urging him to pay it back, and last month he finally paid it back to me via XXXX transfer. But the problem is that he made XXXX transfers to me from several other accounts that were not in his name, and the total amount of the XXXX times was {$4000.00}. He paid me back in this way without informing me in advance. What I'm trying to say is that I'm a victim, and I do feel innocent. 

In conclusion, if my checking/saving account is closed because of such a transfer record, I hope Chase can reconsider, review my account, and reinstate my account through my appeal.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently response within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the CFPB 's recent administrative proceedings ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provide consumes with the necessary proof of investigation. 
These are the account in question of Dispute 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

They have called my work and my personal business line multiple times a day after I have told them it is not okay to do. My job is now in danger. My employer has asked that they stop calling their business
Product: Credit reporting or other personal consumer reports

Navy federal credit union does not updated their dashboard credit score on a timely basis. I use 5 different score models, amd NFCU is the only organization that does not updatw as the information comes. I am currently seeing a XXXX point increase on my XXXX score. This is reported from XXXX, as well as XXXX XXXXXXXX, XXXX XXXX, and others. 
For the past few months, NFCU has also not been reporting correctly, even when the score changes but a mere point or two. 
They have shown a callous non concerned effort to me as a XXXX XXXX. To date, after the XXXX point increase almost 2 weeks ago, my score with them has not been updated, amd I have not even had a response from them. 
This is something that needs to be enforced. I am at wits end over the lack of response from them.
Product: Vehicle loan or lease

Hello I am a co borrorer on a loan with my mother Primary on the Auto Loan with Exeter Finance. I had a car accident in XX/XX/2019. The other person that hit me had insurance with XXXX. XXXX paid the car off in full. XXXX and XXXX  show the loan paid off. XXXX is still showing a balance of {$1300.00}. I have spoken with Exeter Finance regarding updating my information with Transunion and show the car paid in full. I have disputed this with XXXX XXXX ( disputed twice ) and XXXX ( Disputed twice ). The response I received from both parties is the Account will remain the same from both XXXX XXXX and XXXX. I called Exeter Finance and spoke to a customer service rep. The rep again stated she would send an email to the credit department. I ask her to review her notes in the system. She read that I spoke to a supervisor in XXXX and they received multiple disputes from XXXX XXXX and XXXX. The supervisor I spoke with name XXXX stated she would send an email to the credit department. I ask her to repeat back what she is stating in the email. She said the credit department need to respond to the XXXX XXXX dispute. 

I stated both XXXX XXXX and XXXX, not just XXXX XXXX. I also need a letter showing this car is paid off and for this to be expedited so my credit report can be updated and I should not have to wait 30 days. I waited 30 days on each dispute to no avail with no resolve on the pay off and balance should be XXXX. 

My question was, if you receive disputes from both companies above, then why did Exeter Finance not respond to let XXXX XXXX and XXXX with the paid off car loan. The balance is XXXX. 

I would like Exeter Finance investigated. I had to call them multiple times to get the car paid off. This company does not follow up and they will go thru half of the process the drop it. 

I am trying to purchase a car and the dealers are stated that is keeping my score low due to the balance shown. 

I am very upset with unprofessional company and I do not know how they are functioning as a business when there customers have to constantly call them over them promising that they will take care of it.
Product: Debt collection

The firm XXXX violated the Fair Debt Collection Practices Act when it caused my joint bank accounts to be levied. 
The debtor owns none of the money in the account - or only has funds in it that can not be levied at all, like social security or XXXX payments. My wife incurred credit card debts prior to marrying myself. Only my wife was a debtor obligated, obligated to respond to, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Td bank XXXX/Target has an unauthorized inquiry on my credit file!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an FTC report with an account that is not mine and is an Authorized user and I am not responsible for this account and want it deleted along with the inquiries I did not authorize