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

I am writing to express my significant concern about inaccurate items reporting on my credit file. I have raised several complaints about this issue, despite my efforts the erroneous items continue to severely damage my credit file. It has caused every credit application for the past 2 years to be denied. According to 15 U.S.C.1681 Section 611 ( a ) ( 1 ) ( A ) there should not be any damages on my credit report this is defamation to my character and I want to emphasize the severe financial and emotional distress that this negative rating has caused me for the past 2 years and will continue to cause until it is resolved.The information on my credit report was obtained without my consent. Pursuant to the Privacy Act of 1974 ( 5 U.S. Code 552a ) and the Fair Credit Reporting Act ( 15 USC 1681 section 602 ), I did not authorize the release of my personal information or credit history to XXXX, XXXX or Transunion. Additionally, I would like to bring to your attention that under the Electronic Fund Transfer Act ( 15 USCS 1666b ), any financial institution is required to obtain written consent before sharing any sensitive information about an individual 's financial history. 
It has been well over a year since XXXX completed its investigation and removed these erroneous accounts in XXXX  of XXXX XXXX has completed its investigation, including contacting the furnisher of the information. The results of the investigation were provided to Transunion and XXXX in several complaints yet they both completely failed to conduct a proper investigation or comply with FCRA STANDARDS, entirely refusing to fix these issues, and continue to report inaccurate information to my credit file with actual knowledge of errors. This is a clear violation of my consumer rights, specifically Responsibilities of furnishers of information to consumer reporting agencies ( 15 U.S. Code 1681s2 ), Civil liability for willful noncompliance ( 15 U.S. Code 1681n ), and Civil liability for negligent noncompliance ( 15 U.S. Code 1681o ) I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance. I ask that you remove this erroneous account from my credit report immediately. Account XXXX : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am reaching out to file a complaint due to the unauthorized inquires on my credit file. 
They are fraudulent and not mine. 
I have sent in a FTC report via mail but also attaching it here. As a consumer, I know my rights per the law and aware that anything regarding identity theft should be deleted.
Product: Debt collection

On or about XX/XX/XXXX, a class action lawsuit settlement was announced by XXXX state attorneys general after a multistate investigation found Santander was engaging in subprime lending practices. Santander Consumer USA provided me with a car loan on or about { XX/XX/XXXX }. This car loan agreement contained unreasonable terms and was a product of unethical and dishonest business practices by Santander. 

Given these facts, I request that Santander : I. remove late-payment and repossession information from my credit report. 
II. forgive my repossession deficiency. 
III. notify debt buyer/collection Agency to cease debt collection activity against me ; and IV. notify debt buyer to return any monies collected from me. 

Other states have already ordered restitution from Santander to their affected constituents. I will give you 30 days from the date of this letter to provide the requested remedy or I will use all remedies available to me under the law to ensure that I am made whole. 

Thank you for your anticipated voluntary cooperation in this matter.
Product: Credit reporting or other personal consumer reports

Proof of these debts need to be provided I never signed anything or contracts with these companies The information being reported is not consistent XXXX Acct- XXXX XXXX Acct- XXXX XXXX Acct-XXXX XXXX Acct-XXXX XXXX Acct-XXXX XXXX XXXX Acct-XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. 

XXXX XXXX {$500.00} XXXX  XXXX {$1000.00} XXXX XXXX {$300.00} XXXX XXXX {$610.00} XXXX XXXX XXXX  XXXX {$610.00} USDOE/XXXX  XXXX {$52000.00}
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 U.S.C 1681. 
Account Name : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : 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 " States A Consumer Reporting Agency Can not Furnish an 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 by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) " States 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

I recently submitted a request for investigation which you refused. I submitted enough information for you to carry out a reasonable investigation of my dispute, since you obviously did not investigate this account thoroughly enough the last time I submitted one. 

If you had investigated properly, rather than use your e-Oscar system, you would have known, that not only I have never been late on this account, but that I am not sure that the account is even mine though your company claims to have verified this. 

It is at this time that I will point out that in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable. 

If you do not initiate an investigation regarding my dispute, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. As Im sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court. 

I look forward to an expedient resolution of this matter.
Product: Bank account or service

I cashed a check from a friend against my business account. About 1 month after I get a notice that the check had been returned and charged back the amount plus a fee. I contacted my friend and she got with XXXX XXXX XXXX and they supplied her with the documentation proving they had infact cleared the check. I have been going back and forth between my bank, Chase and her bank, XXXX XXXX XXXX and I am getting the run around and I am fed up!! I spent 4 hours on a XXXX way call on XXXX XXXX with XXXX XXXX XXXX and Chase and the lady from Chase basically said it looked like it was a mistake on Chase 's part. To this day I have yet to get my {$230.00} from anyone nor can I get an answer!!
Product: Credit reporting

All these inquiries are past twenty four 24 months should be deleted : XXXX CARD XX/XX/XXXXThe folowing were included in past identity theft complaints issues. 
XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXX CARD XX/XX/XXXX
Product: Credit card

Amex charges {$690.00} for their Platinum Credit Card which, according to their website, provides cardmembers, " unlimited access to XXXX XXXXXXXX XXXX. '' Of course there is a small print " Terms & Conditions May Apply '' clause that takes you to a page with paragraphs of legal content. Buried in that legal content includes XXXX sentence that states, " Access is subject to space availability. '' Over the last several flights I've taken, there has routinely been no availability at the Amex XXXX XXXX due to overcrowding. Amex clearly does not have the capacity for all of its cardholders despite routinely advertising that they provide unlimited access to their lounges. To me, this represents an unfair/deceptive benefit and, unless Amex Platinum membership decreases which seems unlikely, this problem doesn't seem to be going away. 

Amex should either disclose in a clear way that access to their lounges are in fact 'limited and subject to availability ' or offer to refund customers who get routinely denied access to a major card benefit.
Product: Student loan

Hi there. 

I attended the art institute of XXXX XXXX XXXX XXXX XXXX 

The federal government, including current secretary of education, has found this school guilty of fraudulent behavior including predatory and fraudulent recruitment tactics and number reporting. This led to discharge of all FEDERAL student loans from this school. This also led to applications for discharge of PRIVATE loans. My application was denied by navient without any explanation. According to many many other victims of the art institute, their applications have also been denied en masse without explanation. 

At the very least, Navient should be investigated and demanded a thorough and logical explanation of WHY they are denying Everyone, despite overwhelming evidence against the art institute, including public court statements from the federal government.
Product: Credit card or prepaid card

I was open this credit card and start using it. Everything was fine until someone stolen the card and make a purchases plus make a payments. Plus they charged XXXX $ for fast card delivery, what a shame. 

Today I say again a lot of unauthorized transaction plus my account restricted with no reason. I called them and understood nothing. They need to call somebody's bank??? what??? I said that it's fraud and someone making purchases and make payments.Not me. So, for now my card restricted, I don't have it in my hands because I loose it with my phone in somewhere. Parking lot or something.Why they can not help people? On the phone he said 7-10 business day to wait. For what???? Payments canceled. What a shame
Product: Student loan

I had my XXXX student loans through XXXX XXXX, which turned over to Navient. I took out roughly {$35000.00} back in the mid XXXX for school tuition. When I graduated, I was not able to start payments, so the only option I was given was forbearance ( i.e., interest continued to accrue during this time that I put my payments on hold ). I also was told that I could only consolidate for a lower interest rate one time, which I had already done, so my interest rate has always remained the same, even with offers to others for lower rates. I have paid consistently on this loan since XX/XX/XXXX, have paid back my original {$35000.00}, and I still have {$38000.00} to pay due to the interest. No one has been able to help me with this. I read an article about the class action law suit towards Navient/XXXX and was wondering if I qualified for the complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX-opened and account with Ginnys. XX/XX/2020 I attempted to make a purchase from Ginnys. They immediately started new account triggering a hard inquiry. I asked why and they stated it was the policy to open a new account for each purchase to see if i'm qualify. I asked why since the money was already available in my account for the purchase and I was not asking for more. I then requested that the hard inquiry be removed from my credit report. I made more than 3 calls regarding this matter and was then told it will be removed from my account in 30 days. I have made several calls since and it is still there. The only thing closed was my original account and they transferred my balance to the new account that they made. I have since closed my account with them and making my payments.
Product: Money transfer, virtual currency, or money service

hello! This was Via zelle! I was scammed by two people claiming to be owners of apartments, at the time I didnt know you couldnt get money back from Zelle if you sent it. Which is a huge bummer. They kept telling me to send them money to see the place and they kept on bailing. I asked to get the money back and they kept telling me to send them more money in order to get money back that was already lost. They then kept telling me they would mail a check out. And they did! But it was fake. I have been struggling for a while ever since losing all of that money. I can barley afford my bills at this point and I dont know what to do to how to receiver all of the money lost. I really need help. Its been a big burden on me. I still have all information of the two individuals.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX addressed to the Credit Reporting Agencies requesting to remove the Accounts and information that are UNKNOWN to me. I came across this law and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) the Credit Bureaus are required to remove and block any accounts or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaints & I am including it again. Under the FCRA section 605b, I need the following items removed from my Credit File as soon as possible : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I can assure the Credit Bureaus that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. I understand that the Fair Credit Reporting Act requires the Credit Bureaus to conduct a reasonable investigation into any disputes, and I am confident that the Credit Bureaus will find that these accounts are fraudulent and should not be listed on my credit report.
Product: Checking or savings account

REFERENCE : Account Number Ending In XXXX Claim ID : XXXX Dispute Type : Debit - Non-Receipt of Goods or Services Date Error Reported : XXXX Claim Amount : {$6700.00} This is the letter that I sent to Chime bank on XX/XX/2023 via email. I don't believe that they looked at it. I paid over {$6700.00} to Tax Rise for services to eliminate my taxes as they stated. However after completing my payments, I ended up owing more with the IRS and being put on a 5 year payment plan. I was displeases with TAX Rise and requested my money back and they wouldn't provide me my money back. I submitted a claim to Chime Bank and sent a letter to there corporate address. This was a chargeback request that they couldn't help me with. There Dispute department representative were so rude to me. I spoke to managers that wouldn't even show empathy. I asked for documents that they used to determine that my claim wasn't legitimate and it was just my intake form. I asked for Chime to call Tax Rise and request to listen to my audios and they didn't. I requesting your assistance to receive my chargeback request for my denied claim that wasn't investigated. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Dear Chime, I want to express my disappointment in your dispute process. I was advised that your company looks out for your customers when there are merchants that do not provide the adequate services they intended to do. When I initially put in the dispute request, I did not advise that an error occurred. Yet your reason for denying my claim was that you did not feel that an error occurred. This leads me to believe and question the authenticity of my dispute. This was for goods and services not received by Tax Rise. 

I would like to believe that Chime is not looking to save money on their behalf due to the amount disputed. Ideally, I would feel comfortable that as a company you will fight for his or her long-time customer. I did speak to a wonderful representative in your dispute department that was very empathetic to my case. She was very adamant that I file a rebuttal and attached supporting documents. 


I am a veteran that served in the United States military and know about integrity. I was going directly to the XXXX XXXX XXXX to write my experience with Chime and the details of how I was treated with my dispute. I decided to listen to your agent and let my faith in XXXX interfere. I ask our XXXX to sway the hands of who is working my case to do his due diligence and experience the customer aspect of what is going on. 


Attached are the documents that you requested. Please advise that the rebuttal has been initiated and supporting documents received. Can you see the wrong of this? I paid over XXXX to Tax rise to solve my IRS debt and ended up owing more to the IRS. This is not okay. I could have paid off the IRS directly. I requested that your investigators ask Tax Rise for the Call recording of my onboarding with Tax Rise. 


Thank you, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I disputed and nothing happed I filed complaint through you guys and nothing has happened My original omplaint This is my third time requesting the below items be removed or proof that they are mine be provided. These are not my accounts and I have filed a police report due to my wallet being stolen in XXXX and then all of this shows up a year or so later. XXXX XXXX {$680.00} XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5300.00} XXXX XXXX XXXXXXXX XXXX Closed on XX/XX/XXXX XXXX Closed on XX/XX/XXXX XXXX Closed on XXXX XXXX, XXXX XXXX Closed on XX/XX/XXXXXXXX XXXX Closed on XX/XX/XXXX XXXX XXXX Closed on XX/XX/XXXX I contacted each company and they couldnt provide any information and when I gave my address social they either couldnt verify me or had no record. My Identity Theft Report reference number is XXXX and my police report number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union is reporting XXXX XXXX XXXX, with an open date of XX/XX/2020 and a last active date of XX/XX/2020. A collection account can not have an open date and a last active date of the same date. I have requested they correct this information several times and still no response.
Product: Checking or savings account

I withdrew {$2000.00} in cash from my checking account at local Wells Fargo Bank using their teller services on XX/XX/2022. The next day when I took money out of the envelope, I noticed that one of the {$100.00} bill was fake. In fact, it was XXXX money. I opened a case with Wells Fargo customer service informing them about this issue. At a later date, I took the fake bill to the branch and the manager was able to confirm that their cash counting machine was unable to catch this bill. She opened yet another case but so far no progress have been made. I have contacted the local branch, their XXXX customer service and also their social media support but to no avail. I need your help to recover my rightful money from this bank.
Product: Money transfer, virtual currency, or money service

My complaint is about Venmo, the person-to-person money transfer service owned by PayPal.
<P/>
My son, who is  XXXX , wanted to sell a nice laptop computer. He found a buyer who agreed to buy it for {$2200.00} and said he would transfer the money to him on Venmo, which advertises that it goes straight from the payer 's bank account to the payee 's bank account. My son agreed to give him the computer after he had proof that the guy had sent the money.
<P/>
On   XXXX   XXXX  , 2017, the buyer sent the money through Venmo in {$85.00} increments ( see transaction record, in attached documents ). My son had his father meet the buyer and give him the computer.
<P/>
Soon after the {$2200.00} had been transferred, according to the record of transactions that Venmo showed my son, my son was asked to verify his identity. He gave his credentials, which included his age, which Venmo had never asked him before.
<P/>
The next day,   XXXX   XXXX  , my son checked his account at   XXXX    and found that no money had been added to it by Venmo. He also was told by Venmo that there was a problem with the transaction and that the money transfers would not take place.
<P/>
He contacted customer service at Venmo by phone, and a representative opened an investigation of his case.
<P/>
The following day,   XXXX   XXXX  , my son received an email from  XXXX  in customer service at Venmo informing him that he had violated the terms of the customer agreement, so he would receive no money and his account had been deactivated. A copy of that email is attached in the documentation below.
<P/>
As I am his sole legal guardian and he is a minor, I contacted Venmo myself by telephone, and they said they could not talk to me because I was not the person on the account and my son 's account was deactivated anyway.
<P/>
Venmo did not specify what terms of the customer agreement had been violated. The customer agreement, which I printed out, is 26 pages single-spaced. I noticed that it says you need to be 18 to use the service, so perhaps that was the violation.
<P/>
If so, Venmo did not verify up front that my son was 18. It is well known that minors use Venmo all the time, and my son 's friends are no exception. They had no idea you needed to be 18, they just thought you needed to have a bank account -- and had been using the service successfully.
<P/>
Venmo is preying on children and facilitating frauds. The " buyer '' was clearly a fraudster who knew well exactly how to play Venmo 's system, and Venmo let him get away with it. Venmo must be stopped, and my son and I must be made whole.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need help in updating this late payment remarks
Product: Credit card or prepaid card

similar problem with XXXXXXXX XXXX submitted to company and ftc report XXXX XXXX dated aboutXXXX got invoice for {$1000.00} Todays problem is XXXX Nordstrom datedXXXX to XXXXPLEASE NOTE I NEVER HAD NORSTROM credit card XXXX or any other account there invoice says balance of {$990.00} for 4 listed purchases at 2 different Nordstrom stores in XXXX XXXX, CO -never been there lists 4 purchase 3 @ store # XXXX for {$260.00}, XXXX and {$450.00} and at store XXXX {$270.00} Contacted Nordstrom fraud unit contacting you, police, credit bureau as prescribed