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

I spoke with a representative with penfed credit union an offered me a re-age program to pay {$93.00} a month on my penfed credit card. My account wasn't past due. The representative stated I wouldn't be reported to the credit buero because I was offered a program to pay for 3 months the {$93.00} not my normal minimum payment. Well after paying the {$93.00} for 3 months, I was reported to the credit buero 30 days past due with no indication or notice I was late, after the representative told me I wouldn't be reported its was a safe program penfed offered to help pay off you credit card balance. I spoke with penfed and they said they don't record there calls, and they would try to fix it. Well they reported me current for the next month, but the 30 points I lost on the score didn't return. I would like a apology for them misleading me and my score dropping 30 points at no fault of mine.
Product: Checking or savings account

On XX/XX/XXXX I received several notification alerts to my phone of transactions being made that I did not authorize. Someone stole my card and information and charged over XXXX in a matter of minutes. While I was on the phone with a customer service rep to dispute the transactions my card was continuing to be used until I was in a negative balance and pin declined at the last location. I explained to customer service that I am the only person in possession of my PIN number so this was proof that each transaction was fraudulent. I was advised that a provisional credit would be given while under investigation and after a couple of days I received an email stating my claim was denied and the credits will be reversed. I continued to call and email on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX explaining why I disagree with their decision and would like to appeal. I continue to get generic responses and the decision was not correct based on previous transactions they would have saw that I live in XXXX XXXX Nevada and these transactions were made in California which I was not in the vicinity. I explained to customer service that my direct deposit has been taken as well due to the reversed credits making my account negative. I am unable to pay my bills due to this issue and I have also filed a police report.
Product: Checking or savings account

USAA Sent me a letter on XX/XX/XXXX when I was out of the country stating they were closing my accounts ( all of them ) with no reason or no ability to appeal. I have been a 15 year customer with no change in behavior and over XXXX on deposit at all times. 

They refuse to disclose why or allow an appeal
Product: Credit reporting or other personal consumer reports

Initially XXXX XXXX furnished Experian with an address that I was unfamiliar with. I discovered the problem during the month of XX/XX/XXXX. Because the address was unbeknownst to me, Experian refused to provide consumer reports to potential creditors during the pandemic and even now placing me and my family under undue economic duress. I was denied phone access and online access because I was ignorant to what was going on. No one would help me, until a kindred spirit, who worked for Experian, finally decided to enlighten me about an address that XXXX XXXX reported to Experian. These actions have interfered with my ability to purchase a home, procure financing, loans, and lines of credit that would have otherwise ensured my advancement in life. 

Experian had me mail in specific documentation to verify my identity and confirm my address several times during the course of three years, while continuing to deny potential creditors access to the consumer file. Experian stated that their respective inquiry was being disputed and that's why several potential creditors were denied access ; which was odd considering that the inquiry wasn't accepted. It later became an information issue with the same address that I had previously disputed. My dispute was disregarded, despite providing proof, because XXXX XXXX said that my address was something else. I was told that the address had been deleted & updated, ; however, this turned out to be a half truth. The Experian rep said that the addresses were deleted and updated on the Credit Report that was sent to me, but not in their system because a potential creditor was denied the consumer report XX/XX/XXXX. 

On XX/XX/XXXXXXXX  I went to Experian.com and disputed the phone numbers, addresses, and other personal information. I did not dispute my current address, but Experian deleted it anyway and now they're stating that I don't have access to the consumer report because my information doesn't match their customers or alleged creditor 's information. 

Before Experian locked me out again, I saw that it had entered new erroneous personal information even after a number of disputes and me providing verifiable proof. Experian added this inaccurate information and locked me out of the account while I was attempting to dispute the new phone numbers that appeared out of nowhere. 

I believe that this was retaliation because I also presented FCRA 15 USC section 1681a 2 ( A ) ( i ) to XXXX  XXXX and Experian XX/XX/XXXX disputing the illegal late payments that they've been reporting. I requested that they reverse those transactions, so they would read OK or PAID AS AGREED on the consumer report.
Product: Debt collection

XX/XX/2020 I asked Portfolio Recovery to stop calls and to communicate through email. They stop for a good amount of time, but then recently over the past few months. I am getting calls from them again. That clearly violates my request to cease calls. I want to know why my request to cease calls all of sudden not getting followed. What has changed?. If you can not give me an answer to this. I humbly request for you to stop reporting my account to the credit reporting agencies. Thank you.
Product: Checking or savings account

During the morning of XXXX XXXX, XXXX, my purse was stolen containing my debit card and checks associated with this account. I proceeded immediately to report to the police authorities the incident and a report was filed under case number XXXX. Being XXXX XXXX I proceeded immediately to call Bank of America customer service to report the incident ( Friday XXXX XXXX, XXXX ). Two hours after, I presented myself to the XXXX XXXX branch of Bank of America, where I reported personally the issue to XXXX XXXX, in the role of Relationship Manager. On Saturday XXXX XXXX, XXXX, noticing that accounts were not closed yet, I proceeded to request XXXX XXXX Branch Manager the closure of my accounts. Her name XXXX XXXX. On Monday XXXX XXXX, XXXX, I came into XXXX XXXX XXXX, without funds in my account since thieves had withdraw by that time the amount of XXXX USD in two separate fraudulent transactions dated XXXX XXXX, XXXX that had been debited. This day the XXXX XXXX, Manager of the Downtown office received me and also did not closed or blocked the account. These funds were back posted by the bank into my account on XXXX XXXX, XXXX and XXXX XXXX, XXXX. After three visits to two branches of Bank of America and assisted by Managers the account was never closed at my request or blocked by either of them. And netiher by the Customer Service Agent on the call of XXXX XXXX XXXX. On Tuesday, XXXX XXXX, XXXX once again I visited XXXX branch and met with XXXX XXXX, Branch Manager. On Tuesday XXXX XXXX, XXXX, late night using mobile app I noted another fraud withdrawal in a form of check was performed from my account. Now this time for XXXX USD. All this after notifying Bank of America, XXXX and XXXX XXXX branches, through their Managers, and through customer service phone line. I had presented a claim of check fraud posted on XXXX XXXX, XXXX through the customer service phone line. At today 's date ( 82 days after ) the bank has not returned my funds and has created financial hardship through the ongoing process. Reason why I am asking this Bureau to represent my rights and aid with this financial institution in returning these funds with immediate effect and provide an update, response of the claim status. Numerous calls I have been placing through their claim check fraud customer service line, without receiving any response or return of funds. They just are limiting to inform claim takes up to 90 days to provide an answer, which is unacceptable. As you much have read, this is a very unfair situation, since I called the bank and was in contact personally many times with their authorities channels to avoid and prevent any fraud or withdrawal of funds from my account, but they certainly did absolutely nothing benefiting the thieves to continue withdrawing cash from my account.
Product: Credit reporting or other personal consumer reports

previously filed disputes with [ Experian, Equifax, TransUnion ] regarding inaccurate or unverifiable accounts on my credit report. Despite my disputes, the credit bureaus did not provide any documentation proving these accounts are valid. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), if an account can not be verified with actual proof, it must be deleted from my report. I am requesting that the CFPB step in and require the credit bureaus to either provide me with verification or remove the disputed items immediately. These inaccuracies are negatively affecting my financial opportunities, and I am seeking a resolution as soon as possible.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX  # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

TransUnion needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} JXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$460.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$5100.00} XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of XXXX XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Checking or savings account

Back in XX/XX/2020 I requested for them to cancel my account at which time I received confirmation notice via email they would cancel service. They have not and continue charging me for the maintenance {$47.00} per month. I've sent several emails to again ask them to stop and received nothing. I've spoken directly to the company and they advised they will handle but have not. Its now going on 4 months since I requested that they stop charging my account and every month they still do. I have emails to show the communications and validation but still they charge me ... Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

Express Recovery is reporting a debt on my credit file that I do not owe. I recently checked my credit file and noticed this debt. I called and paid it immediately. I never received any phone calls, notices, or letters for this debt which violates my 30 day right to dispute. If I would of know of this debt I would have paid it off ASAP to avoid collections on my credit file. I need these collections removed from my credit file.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

has violated my rights. Or a list of inquiries : 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 XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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: Checking or savings account

There were  XXXX  unauthorized atm withdrawals in  XXXX  :  XXXX   XXXX  - {$400.00},  XXXX   XXXX  {$100.00},  XXXX   XXXX  {$200.00}, for a total of {$700.00}. The withdrawals were not in the city in which I reside nor did I authorize the withdrawals. I was at work the days of the withdrawals. Once I noticed my account was low, I looked through my statements to see what was going on, and that was when I called to report the theft.   XXXX  I filed a complaint with the bank, at which point they put the money into my account. Upon reviewing my account today -  XXXX / XXXX / 17 , the bank reversed the decision to refund my account, withdrawing {$400.00} and {$200.00}, with the {$100.00} claim still under review.   XXXX  Today,  XXXX / XXXX / 17 , I filed a complaint with the  XXXX  Police Department for identity theft. I did so because the bank told me that they could not provide the information of their investigation in which they determined I was liable for the money, nor could they provide the video from the ATM. They stated that I must subpoena the information, which can be done by the police.
Product: Credit reporting or other personal consumer reports

I recently looked at my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its mu understanding that you will in investigate these items to ensure maximum accuracy, here are the item I am asking you to verify as accurate. 

The Variance in reported balances across different credit bureaus highlights non-compliance with 15 USC 1681e ( b ) XXXX report : XXXX XXXX Account # XXXX, High Balance {$3300.00}, Date Opened XX/XX/XXXX, Balance Owed : {$290.00}, Closed Date : XX/XX/XXXX, Payment Status : Collection/Charge-off, Past Due Amount : {$290.00}, Last XXXX, Payment Amount : {$0.00} Experian report : XXXX XXXX Account # XXXX, High Balance {$0.00}, Date Opened XX/XX/XXXX, Balance Owed : {$290.00}, Closed Date : Not Available?, Payment Status : Collection/Charge-off, Past Due Amount : {$290.00}, Last Payment : {$88.00} as of XX/XX/XXXX XXXX report : XXXX  - Account # XXXX, High Balance {$290.00}, XXXX Opened XX/XX/XXXX, Balance Owed : {$290.00}, Closed Date : Not Available?, Payment Status : Collection/Charge-off, Past Due Amount : {$290.00}, Last XXXX, Payment Amount : {$0.00}
Product: Credit reporting or other personal consumer reports

This is a follow up to a complaint i have submitted on XX/XX/2024. EXPERIAN has responded to a couple accounts ( XXXX XXXX XXXX XXXX  ) from my dispute and replied that the information in my dispute will REMAIN THE SAME. EVEN THOUGH i have submitted evidence that clearly shows that the information on my credit report is incorrect/inaccurate, they are refusing to CORRECT IT OR DELETE IT!! That is a CLEAR VIOLATION of law 15USC 1681e ( b ). This is my SECOND ATTEMPT to RECTIFY THIS SITUATION before moving towards compensation for each violation on each account. This situation is crucially hurting my credit report due to incorrect/ inaccurate information! I WANT TO RECEIVE NAMES OF EVERYONE INVOLVED so i can follow up with them about this investigation!
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I submitted a complaint ( XXXX ) to Citibank , N.A . ( XXXX XXXX, Regulatory Complaint Specialist responded ), XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX responded ) to have a CitiBank N.A. account ending in XXXX removed from my credit file. XXXX XXXX  XXXX and XXXX XXXX XXXX filed a Motion for Summary Judgment against me on XX/XX/XXXX see Exhibit A. I went to a hearing on XX/XX/XXXX and the Arbitrator XXXX XXXX XXXX XXXX ruled that the Plaintiff ( CitiBank , N.A . ) was awarded nothing from the Defendant ( XXXX XXXX ) see Exhibit XXXX They could not validate that the account belonged to me. On XX/XX/XXXX XXXX XXXX  XXXX and Citibank stated that they was filing a motion with the Court that was never filed according to court documents. The Judge disposed-Final judgment No Trial..see Exhibit XXXX CitiBank N.A. refuses to remove this account from my credit file and it has caused me a Commercial Injury.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion on numerous occasion about the inaccurate reporting of an account listed on my credit report. I have submitted evidence that I received from the original creditor admitting they can not verify the account and require more information. I am a XXXX and will be leaving for XXXX soon and will not be able to be present in court. Im hoping that that filing this complaint shows that I'm serious about correcting and deleting inaccurate information on my credit report.
Product: Credit card

I want access to my account! They did not provide it .It 's still a run around from them. Waiting for codes in the mail, Phone calls in XXXX hours, or emails.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Complaint Regarding Inaccurate Credit Reporting Under Section 807 of FDCPA and FCRA** To Whom It May Concern, I am writing to formally dispute the inaccurate information reported by XXXX XXXX XXXX on my credit report. My name is XXXX XXXX XXXX, and my credit report includes a potentially damaging entry that I believe violates several provisions under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

The account in question is as follows : **Account Name : ** XXXX XXXX XXXX **Account Number : ** XXXX **Account Type : ** XXXX XXXX **Responsibility : ** Joint **Date Opened : ** XX/XX/XXXX **Status : ** Account charged off. {$10000.00} written off. {$10000.00} past due as of XX/XX/XXXX. 
**Status Updated : ** XX/XX/XXXX **Balance : ** {$10000.00} **Balance Updated : ** XX/XX/XXXX **Original Balance : ** {$12000.00} **Terms : ** XXXX  Months **On Record Until : ** XX/XX/XXXXXXXX XXXX XXXX XXXX # Payment History : - **Charge Offs : ** XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - XXXX Days Past Due : ** XXXX XXXX - XXXX Days Past Due : ** XX/XX/XXXX - XXXX Days Past Due : ** XX/XX/XXXX Laws Violated : 1. **Fair Debt Collection Practices Act ( FDCPA ) : Section 807 ( 15 U.S. Code 1692e ) prohibits the use of any false, deceptive, or misleading representation in connection with the collection of any debt. The reported status and balance of this account contain inaccuracies that are misleading and harm my creditworthiness.

2. Fair Credit Reporting Act ( FCRA ) : - Section 611 ( 15 U.S. Code 1681i ) : Requires that credit reporting agencies investigate disputed information.

- Section 623 ( 15 U.S. Code 1681s-2 ) : Requires furnishers of information to provide accurate information to credit reporting agencies.

- **Permissible Purpose ( 15 U.S. Code 1681b ) : ** The continued inaccurate reporting suggests that my credit information is being mishandled, possibly shared or utilized without a permissible purpose.

These inaccuracies are damaging my credit score and my ability to secure future credit. I have the following specific complaints : - **Inaccurate Balance Reporting : ** The reported balance of {$10000.00} is incorrect and should be updated to reflect the true amount, if any.

- **Status Errors : ** The charge-off status and past due amounts are inaccurately reported for several months. 


XXXX XXXX for XXXX XXXX XXXX : - **Phone Number : ** ( XXXX ) XXXX - **Address : ** XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX look forward to your prompt resolution of this matter. 

Sincerely, XXXX XXXX XXXX
Product: Bank account or service

I HAVE BEEN A VICTIM OF IDENTIFY FRAUD. ACCOUNTS HAVE BEEN OPENED IN MY NAME. XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. I HAVE A POLICE REPORT.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX XXXX XXXX transferred {$1000.00} from Wells Fargo bank to me for her rent. Wells Fargo linked the payment to my email address XXXX which resulted in chase bank rejecting the transfer of funds because I have no account with them.and surely sending money to an email address can not be a sound or legal practice. I have called the bank 7 times been on hold and calls for over 2.5 hours and conferenced called with XXXX and XXXX from the XXXX XXXX AZ branch. My renter, XXXX XXXX, has visited the branch three times made multiple phone calls. She told me that the branch said it was my fault and I needed to figure it out. I asked for the district manager to call me XXXX XXXX which he never did. I received a call from XXXX XXXX executive office for online banking instead who told me I need to call a clearing center and wait 10 more days. Meanwhile I am being charged {$25.00} per day NSF by my bank. There is over {$1000.00} floating around in cyber space and Wells Fargo will not pay me or rectify the situation. Wells Fargo is putting the responsibility on me to call chase which I did, to call clearinghouse, to communicate between Wells Fargo online banking and branch management and I am not the banker. I am not employed there and I have called and done everything I can. Then a private note was forwarded to me that the banker made saying I 'm not cooperative, which I have attached and it makes no sense ( the comment ) in general. I did everything I can and it is not my tesponsibilty to find the money because according to XXXX it never left Wells Fargo. Please help.