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

XXXX Bank reported following information to Chexsystems. 
Source of Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reported For : ACCOUNT ABUSE REPORT IS DISPUTED BY THE CONSUMER ( XXXX ) Reported Name : XXXX XXXX Reported Address : XXXX XXXX XXXX Reported SSN/ID : XXXX Drivers License : Date of Closure : XX/XX/XXXX RTN/ACCT # : XXXX Original Charge Off Amount : XXXX Closure Status : UNPAID Closure Status Date : XX/XX/XXXX This information or debt does not belong to me. 

XXXX XXXX is violating The Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ) laws by reporting incorrect information to Chexsystems and affecting my personal life and financial status. 

I request XXXX XXXX to verify the charges that caused this debt, verify those charges made by me. 

1. Provide all charges that caused this debt.

2. Provide dates, description of all these charges 3. Provide if any details of all disputes were open 4. Provide results of investigation of these all disputes of all charges.

5. Provide proof that I made those charges.

6. Provide banks policy for fraud protection.

7. Provide if any bank policy used to cover these charges 8. Provide if this debt is charged off, provide proof of charged off action 9. XXXX XXXX reported my address as " XXXX XXXX XXXX '' on chexsystems report, provide proof of this address being my address during banking with XXXX XXXX. 
XXXX. If any of the information on chexystems report incorrect, I reqjuest XXXX XXXX to remove record from chexsystems. 
XXXX. If XXXX XXXX  makes any updates to record on chexsystems, I request XXXXXXXX XXXX to provide proof of real information that XXXX XXXX  updates on credit report. 
XXXX. XXXX XXXX is violating 15 US 1981 and 15 US 1692 laws reporting inaccurate information to chexsystems and violating fair debt collection act by reporting inaccurate debt to chexsystems. 
XXXX. If XXXX XXXX does not provide and answer all my complaint questions with proofs, I will file a lawsuit against XXXX XXXX and Chexsystems Inc for the alleged debt reporting and hurting my personal and financial life. 

I request XXXX XXXX to investigate this complaint and respond to my complaint following all The Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ) laws properly. 

If XXXXXXXX XXXX does not respond my complaint in 15 days, or if XXXXXXXX XXXX does not provide proofs requested in complaint, I request XXXX XXXX to remove this record from chexsystems and XXXX XXXX XXXX XXXX. 

Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

" NEW ISSUE '' I have attached the current police report. Barclay has failed to remove fraudulent balances on my credit reports. The remaining balances need to be cleared from my name as I did not authorize the remaining charges. My cards were used and stolen without my consent. I again have spoken to another Detective as the creditors are willfully breaking the law. He informed to continuing seeking their cooperation in this matter. His information is attached as he stated he can be contacted. 

Det. XXXX XXXX XXXX XXXX XXXX Police Department Financial Crimes XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account of {$11000.00}, {$740.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -CLOSED ACCOUNTS- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$11000.00} -This is not my account. 


-COLLECTIONS- 2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$740.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I uploaded a dispute letter to Experian, requesting specific information on how they verified the accuracy of the bankruptcy reporting and other inaccurate information on my credit report. 

Details of the Dispute : XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX  - XXXX, XXXX  - XXXX, XXXX XXXX XXXXXXXX, Public Record Court Name : XXXX XXXX XXXXXXXX XXXX XXXX Reference Number : XXXX Specifically, I requested that Experian provide the following information : The date you contacted the creditor/furnisher Name of the person who verified the item Method of communication used to verify information Whether the creditor provided SSN, address, and date of birth Despite my clear and thorough request, and the provision of my driver 's license, a copy of my Social Security card, and proof of address, I have not received any response from Experian. According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file is disputed by the consumer, the credit reporting agencies must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 
It appears that Experian has violated my consumer rights by failing to conduct a reasonable investigation upon receipt of my dispute. This lack of response and investigation is a direct violation of the FCRA, which mandates that credit reporting agencies must ensure the accuracy and completeness of information in consumer credit reports.
Product: Student loan

I have received conflicting information from countless representatives as to how payments I have made are applied to the XXXX program I am enrolled in. My problem stems from the fact that I pay a higher monthly payment than is due under an XXXX. I receive funds from my job to repay my student loans and that money must be used up within the year it is received which requires I pay more than the monthly XXXX payment. No one has properly explained to me how my payments apply towards my loan forgiveness when my account is in a " Paid Ahead '' status. I am concerned that I am not receiving proper credit towards my XXXX payment quota. I have made countless requests to be removed from " Paid Ahead '' status to avoid any further confusion. My most recent statement shows I am still paid ahead. I have also made numerous requests for an itemized record of all my payments made since FedLoan Servicing has serviced my loan that have been applied XXXX. To date, I have not received that information. Finally, after I complained about the application of my payments to XXXX XXXX XXXX XXXX, I received a letter dated XXXX/XXXX/XXXX taking away some of the payments I had received credit for in an XXXX/XXXX/XXXX letter without any explanation as why and how this happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX  ACCT # 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

Im submitting a complaint to you today to inform you I was the victim of identity theft. My credit report contains a significant number of unauthorized requests, as well as erroneous reporting of Accounts and Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number XXXX XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Here is the list of items which do not belong to me or were opened without my permission : 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 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

this is the 3 rd I have requested to have my Credit Freeze removed from my file My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX Please remove any and ALL Blocks/Freeze from all my credit reports. 
DOB XXXX SS XXXX I have attached my ID and SS card.
Product: Credit reporting, credit repair services, or other personal consumer reports

An inquiry to my credit report was pulled by XXXX on XX/XX/2022 for charles schwab bank XXXX. XXXX XXXX XXXX XXXX, Co XXXX phone number XXXX. A fraudulent online checking & high yeild investment account was opened after the inquiry with charles schwab bank on XX/XX/2022. The company was quick to recognize the fraudulent account and closed it on XX/XX/2022. A financial crimes risk management specialist was immediately placed in charge of this issue and contacted me right away. They have been good in contact with me. 

I asked for copies of thier data that from the person who applied and opened a fraudulent account including any information that person has used. Under the Identity Victim bill of rights I am allowed to request these proof documents for my own legal needs. I have not been able to do that and have waited several weeks to get a response after they responded to me regularly before.
Product: Credit reporting, credit repair services, or other personal consumer reports

As part of my CFPB complaint, XXXX, Barclays Bank of Delaware posted an image of my application account which contained highly sensitive security information in their response. I now need to go through my all my accounts and change data. Barclays negligence in posting this now also leaves me open to identity theft for the foreseeable future.
Product: Student loan

On XX/XX/XXXX I had a phone call with a woman that works at XXXX. She told me that I had the option to continue my loans in forbearance after the policies during COVID due to the ongoing lawsuit with my student loans. She told me that if the lawsuit was not resolved by the end of XX/XX/XXXX my loans would be discharged. As of today XX/XX/XXXX I still have an outstanding balance of over {$260000.00}. The woman incorrectly told me my loans were in the initial group for borrowers defense which had a deadline in XXXX but since I was post-class I did not qualify for that ruling. I was not aware of this at the time and after doing a pro-con of the financial risk of having my loans in forbearance for a year accruing interest decided to extend the forbearance. Approximately {$15000.00} in interest have been added to my loans and as of today when I called Aidvantage said the pending lawsuit is until XXXX. Which means a year ago I should have been told that it would be a potential 8 years of interest accrual on my loans. I asked them for a copy of the phone transcript and/or notes and they said they could not provide it to me. I asked if I get a lawyer involved would that grant me the documents I am requested and was told they could decline the request. They misled me, costing me {$150000.00} at this point and I have no idea how many others they have misled. I would like the interest removed due to the incorrect information given to me.
Product: Vehicle loan or lease

I recently bought a car from a dealership and I had the car for about two weeks and it is already lose power, lose oil and things like that and it has been over my I 30 day grace. But my car has been in the shop before my 30 day, grace period Therefore it is not being in my possession .I also read my contract, and it says that I can return it before my 30 day grace. Period. And the bank, they finance it to me credit acceptance I will provide all the paperwork from when my car was took to the shop
Product: Checking or savings account

I was charged a low account balance charge of {$12.00} on three occassions for having under XXXX XXXXXXXX in my account. I was not notified of the low balance charge or warned about the low balance. If I was notified I would have corrected the issue the first time. Upon complaining to XXXXFirstBank they refunded one of the three, upon escalation they refunded a second one. But have not refunded the third.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act the following companies listed below, " Equifax Information Services LLC '' have violated the following FCRA laws. 15 U.S. Code 1681- Congressional findings and statement of purpose. ( a ) Accuracy and fairness of credit reporting The XXXX makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, regarding the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 15 U.S.C 1681 Section 604 ( a ) ( 2 ) IN ACCORDANCE, WITH THE WRITTEN INSTRUCTIONS OF THE CONSUMER TO WHOM IT RELATES. The Following Inquiries are Unauthorized, Unverified, Incomplete Inquiries Listed Below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against XXXX XXXXXXXX for failing to provide me with a 1099-C form for a debt that was forgiven in excess of prescribed guidelines. This is a violation of IRS regulations. 

I request that the CFPB investigate this matter and take appropriate action to ensure that I am not unfairly penalized for XXXX XXXX  failure to provide me with the necessary tax form by invalid negative reporting.
Product: Checking or savings account

PNC Bank enrolled me in a " Virtual Wallet with Performance Select '' account after acquiring my XXXX account in XX/XX/year>. I never consented to this account, which charges a XXXX XXXX monthly fee for balances below {$5000.00}. 

PNC has deducted {$270.00} in fees. I called customer service and explained that I was unaware that this account even existed, and that I didn't sign up for the " Virtual Wallet with Performance Select '' account, nor did I give them permission to do so on my behalf. I was able to get them to downgrade the account but they refuse to refund the fees. Other PNC customers report similar issues. I believe this is an unauthorized account opening and deceptive fee practice.
Product: Credit reporting or other personal consumer reports

I Do not Recognize hard inquiries on my credit report and can not confirm that they were done by me
Product: Debt collection

I checked my credit report I seen that a collection was brought forth to me from central Fincl control back in 2013.
Product: Debt collection

This company is reporting false information on all consumer reports and per the report says the account was opened 2020. 
This is false as the account is not verified nor has it been deemed valid
Product: Debt collection

MIDWEST RECOVERY SYSTEMS is reporting a charge off from the XXXX XXXX on my credit. First, its not my debt and i never had an account with the XXXX XXXX. Secondly, when i called they said it was opened in XXXX, so its past the statue of limitations for reporting. They are reporting it was opened in XXXX XXXX, They are breaking the law and i want it off my credit report immediately. They need to provide the original documentation which shows when it was opened as well as it not being mine.
Product: Credit card

XXXX is reportin a late payment ( 30 days ) on XXXX ... This is a wrong lete paymentXXXXthis is for the accoun # XXXX is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company.

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to 15 USC 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section 1637 ( b ) of Title 15.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reported my payments delinquent however they are in violation of my rights as I never provided this company permission to report our transaction to the credit bureau which is a data mining company whos inaccurate information is effecting my life and enabling me from purchasing a home for my growing family. As remedy I am requesting you remove ALL NEGATIVE reporting from all 3 credit bureaus and report my balance as XXXX, as your company has already written this off of your ledger and your insurance company has made you whole.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an unknown account on my credit report XXXXCbna Account no XXXX
Product: Checking or savings account

Citi Bank advertises on their website bonuses they will pay if a " new customer who has never had a Citi account '' There are at least 5 bonuses that pay a bonus when you select which bonus and account a person wants. I choose Citi Priority Checking Account that required me to open and fund the account with $ XXXX. I did that. Over the course of about 90 days give or take a few the balance could never drop below $ XXXX and mine never did. The checking account paid ZERO interest just a bonus. The bonus I am due is {$500.00}. I have called Citi at least 7 times because they have not paid me. After the 100 days past I was free to take my cash and I did.I left {$50.00} in the account because they required the checking to be opened to deposit the bonus. I have spoken with 2 supervisors who walked therough all of the guidelines and both said I should get the bonus. They informed me they could not do anything because bonuses were handled by " Citi back office '' and they don't take calls. Today I asked for someone higher with authority to handle my problem, was told there is no one. Today was told if I did not get the bonus I'm out of luck. I have 2 other friends that the same thing has happened to them. We opened the accounts on the same day. I hope you can help me get my bonus please.
Product: Credit reporting or other personal consumer reports

I submitted a complaint on XX/XX/23, file number XXXX. My concern was that I was not able to make a completely informed consent since there are no legal definitions for an account going into default status, collections, or charge off status. Therefore these accounts need to be deleted from my account immediately. Trans Union " deleted '' one of the accounts and " Updated '' the remaining 3 accounts. This is impossible, since I did not request verification of the accounts. Trans Union did not do their due diligence in this case and have stepped on my civil rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX XXXXXXXX - XXXX, XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, 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

There were a couple of disputes over false reporting from Credit Acceptance Corporation and after an investigation, the information was verified as accurate. However, after carefully reviewing all 3 bureaus the information was not only inaccurate but also inconsistent. The account was written off as a bad debt in XXXX and there had been no activity since that time. When the account appeared on my credit report as 120 days delinquent in XX/XX/XXXX I was baffled, because this was a charged off account, so therefore it shouldnt have been reporting a payment history. The reported balance was also incorrect. I settled the account in full in XX/XX/XXXX. Ive included a discrepancy in the reporting from 2 bureaus. How can the information be accurate if its inconsistent?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two inquiries on my Transunion Credit Report which I didn't authorized the inquiries are XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX I want both inquiries removed from my credit report.
Product: Credit card or prepaid card

Balance owed at XX/XX/2019 of {$55.00} Made two payments on XX/XX/2019 : {$55.00} and {$1.00} ; resulting in a credit balance of {$1.00}. Interest charge on next statement of {$1.00} brought balance to {$0.00}. But issuer/merchant refused to accept that full balance owed was satisfied.