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

I have disputed the late payments on this XXXX/XXXX XXXX XXXX account for months. XXXX  and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX  on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Credit reporting

I 've repeatedly told XXXX my personal data was shared online and people were applying for credit under my name. They continue to release my credit report. Additionally, the fraud alert does n't even have my current phone number, which is XXXX. Equifax needs to remove the fraudulent inquiries from my credit report.
Product: Credit card or prepaid card

I booked a hotel through XXXX on XX/XX/2021 for the amount of {$64.00} for accommodations at XXXX XXXXXXXX XXXX XXXX in XXXX, XXXX XXXX showed no extra fees or concerns. At check in, the hotel requested a deposit, specifically because the room was booked through XXXX, in an amount higher than my credit limit allowed. I immediately pursued a refund or to be transferred to another hotel through XXXX, which I was refused on both counts. I filed a dispute with my credit card company and they have stated that they will do nothing to resolve the issue. The bank the issue is with is Chime or XXXX.
Product: Credit reporting or other personal consumer reports

ON XX/XX/XXXX I Discovered that I was a victim of Identity theft. I became aware of the issue when i look on XXXX XXXX and i seen unauthorized inquiries and opened accounts and loans on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) XXXX  XXXX XX/XX/XXXX ) XXXX XXXX XX/XX/XXXX ) XXXX of XXXX XX/XX/XXXX ) XXXX  XXXX XX/XX/XXXX ) XXXX XXXX XXXXXX/XX/XXXX ) XXXX  XXXX XXXX XX/XX/XXXX ) XXXX XXXX  XX/XX/XXXX ) XXXX XXXX XX/XX/XXXX ) I did not authorize these activities nor did I provide my personal information for these purposes. I am submitting this report to XXXX the identity theft and request assistance in resolving these fraudulent activities. please let me know if any additional information is required .thank you for your time and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a series of identity theft and fraud issues that occurred more rapidly since XX/XX/2018 to date. Everything from unauthorized bank accounts accessed or opened to inability to get my credit report to mail fraud and intercepted sim cards. Ive changed everything, mauling address, cars, loans, leases, careers, banks, phone numbers, phone providers, emails, devices and they all seem to get compromised and its exhausting. Most recently my XXXX XXXX XXXX XXXXXXXX account has been compromised. I can't get a copy of my credit report to review and lately I've been notified payments aren't clearing when I know I had both the funds and made timely payments. Please assist.
Product: Credit reporting or other personal consumer reports

I just reviewed my copy of my transunion credit report i see an inquiry that's on the report that i didn't authorize XX/XX/2023 consumer portfolio. received a copy of my credit and i don't have any transaction with them. they are in violation with the fcra
Product: Credit reporting or other personal consumer reports

They said the case was concluded and they did not remove the incorrect information I have sent them XXXX letters over the course of two months and they still have not sent me any proof of it being my debt. Also, they took off the original debt company and put the company who bought the debt as the original debt owner trying to get money from me. They are not the original debt owners they are the collections agency saying theyre the original debt collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

We have a mortgage on our home through XXXXXXXX XXXX in XXXX. Over the past XXXX  months ( XXXX XXXX- XXXX XXXX ) they have reported my monthly mortgage payment past due 30+ days XXXX ( XXXX ) different times, and I can prove with bank statements that the house payments have been were automatically drafted from my bank account by XXXX XXXX  directly within the first 15 days of every XXXX of those months. I have tried XXXX different times to contact XXXX XXXX  directly, but they have failed to correct these reporting errors. Our credit scores have fallen drastically down into the 500s as a result of these inaccuracies on our credit reports, which has added a great amount of stress to our household. We are requesting that these negative marks be DELETED IMMEDIATELY. 
Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax. They show my current address to be in North Carolina. I have never lived in North Carolina. I have lived at my present address in Alabama for ten years. When I talked to them, they shrugged and said it was reported by a merchant and it was staying on my report.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX XXXX have some Fruad inquiries on my credit report I have listed the inquiries and supporting documents below. 



XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Monitoring of My Bank Transactions and Potential Violation of Privacy Rights I am writing to express my serious concern over a recent notification I received from your company regarding a deposit made to my XXXX XXXX checking account. The notification, dated [ XXXX ], informed me that Experian is monitoring large transactions in my bank account, specifically deposits over {$500.00}. 

To be clear, at no point have I ever given explicit permission or authorization to Experian to monitor my personal banking transactions, nor have I opted into any such service. This notification represents an invasion of my privacy, as it oversteps the bounds of a credit bureaus typical functions. Experian, as a credit reporting agency, is responsible for handling my credit-related information, but monitoring bank account deposits without my consent goes beyond what is legally appropriate and could be in direct violation of several federal and state privacy laws, including but not limited to the Fair Credit Reporting Act ( FCRA ). 






I request an immediate and thorough investigation into how and why my bank account information is being monitored by Experian without my explicit consent. Furthermore, I expect a full explanation of what data has been collected and an immediate cessation of any such unauthorized monitoring activities. 

If this unauthorized access to my bank information is in violation of privacy laws or any agreement between us, I would like to know what compensation is available for this breach. I am seeking a formal response within XXXX business days and compensation in the amount of {$5000.00} for this violation of my privacy, along with assurance that no further monitoring of my personal financial transactions will occur without my direct, informed consent. 

Failure to respond adequately and take appropriate action will leave me no choice but to pursue further legal recourse. I expect that Experian will take this matter seriously and act promptly to rectify the situation. 

I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around the time of XX/XX/2019, I noticed a gross amount of fraudulent charges in small amounts on my XX/XX/XXXX Card that added up to approx. XXXX. At that time, when I noticed it, 8 months had passed. After being with this Bank with my credit cards, I was surprised that they did not notice the fraudulent activity and out of pattern activity Also with my card not being present!. On top of everything else, My other cards were cancelled as well!! along with my credit being destroyed! I would hate to say that this is a case of discrimination, but it appears that way. 
After numerous attempts have resulted in numerous declines unacceptable reasonings. I feel discriminated against. They were presented with a Police Report # XXXX. XXXX XXXX was negligent ( refused XXXX to acknowledging the documents. 

To be an XXXX American, Independent XXXX who works tremendously hard to achieve and maintain a great credit rating, I feel XXXX XXXX has single handedly, wrongfully assassinated my credit rating.
Product: Checking or savings account

Robinhood shows me a message on XX/XX/year> that they sold my stocks for {$7300.00}, and XXXX  {$83.00} but I did not give permission to do so. Robinhood also restricted my account so I can not redraw my {$8000.00} cash fund and {$500.00} XXXX XXXX. I have tried to contact Robinhood. On their support chats I explained my situation but the chat has ended without solution nether connected with an assistant. And I see there have been many other users having the same issue with them - Robinhood tempers their accounts and restricts users ' access to their money without explanation. Please assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is 3 accounts on my credit report from Navient, which is a student loan servicer. The 3 loans were opened and placed on my credit report in 2006. Ive never defaulted on the loans and the loans were paid off. Ive contacted XXXX to have them removed from my credit report because they have been on there well over 7 years. XXXX failed to look into my dispute. I want these 3 accounts with Navient removed from my credit report.
Product: Credit card or prepaid card

Hi, I was overcharged for an XXXX purchase, and XXXX responded by rectifying the difference, as a refund, on their end. my Credit Card Company is stating they can not find, and issue the credit to my account. I have already provided the notification from XXXX, in writing, showing the refund. I am unclear as to how i should proceed.
Product: Credit reporting or other personal consumer reports

I send Experian my written letter asking them two re-investigate and validate that these accounts were 100 % accurate and how these accounts were verified never send me this information only send me something thru Experian all I see is account was verified, updated, are remains.EXPERIAN is violating my rights under 15USC 1681 I am seeking {$1000.00} per violation per violation Damages your company is causing me 1.Defamation of Character 2.Negligence Non- Compliance 3 Civil Liability 4.Mental Anquish 5.Fair Credit Reporting Act 15USC 1681. 
I have been asking for these accounts be re-investigate for over 2yrs and just recently in XXXX and Experian keep not responding with my Requests
Product: Debt collection

XXXX XXXX XXXX Account : XXXX has violated code 1006.30 Other prohibited practices. States debt collector must not furnish to a consumer reporting agency, as defined in section 603 ( f ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681a ( f ) ), information about a debt before the debt collector : ( i ) Speaks to the consumer about the debt in person or by telephone ; or mail I have not received any notice from this company. They are in clear violation. XXXX XXXX XXXX also violates.code 15 U.S. Code 1692j - Furnishing certain deceptive forms states : a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.

I demand this account is deleted immediately before I seek legal action against XXXX XXXX XXXX delete the below account : XXXX XXXX XXXX XXXX Also violates 15 U.S. Code 1679i - Statute of limitations this debt has reached the statue of limitation and should not be reporting to my consumer report. This is unlawful and against consumer laws. This values my rights as a consumer it must be deleted this information is incomplete incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX  Reported : XXXX XXXX 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: Checking or savings account

To Whom It May Concern, My name is XXXX XXXX, from XXXX XXXX XXXX. I received an XXXX XXXX XXXXt ( XXXX ) check from the IRS in the amount of {$170000.00}. My previous company had to close due to XXXX. Consequently, I opened a new company in New Jersey and a new bank account ( account number XXXX ) where I deposited the check. According to IRS guidelines, XXXX is available for closed companies as well. However, this account was subsequently closed by Chase 's fraud team. 

I have submitted all necessary documents to verify both my old company 's information and my own. During my first call to Chase, the representative inquired about the amount and I explained that it was the XXXX from the IRS, similar to a tax refund. I was assured that the account would be released within XXXX business days, but this did not happen. 

Upon my second call, I was instructed to change the address on the account since it differed from the one on the check. I complied and paid {$300.00} for the address change, but the account was still not released even the representative promised. As a result, I had to create another new account ( account number XXXX ). 
Chase wants me to call IRS to verify the check and the company but it is impossible to contact them as you know. This sounds incredibly frustrating. Trying to reach the IRS can feel like an endless maze. 

Please release my funds as soon as possible. My company is currently facing financial difficulties, and the release of these funds is critical. 

Sincerely, XXXX.
Product: Debt collection

The Phoenix financial services called me 5 times on XX/XX/2018 from phone number XXXX XXXX XXXX XXXX XXXX XXXX I asked the lady the called for the 5th time if that is protocol that they call continuously she said it is standard in their procedures
Product: Credit card

credit balance refund check requested XX/XX/XXXX for {$1600.00} via phone call as cap1 have no online service/ can not do so online. check never received. send the check overnight mail and train your staff. I am the account manager as you see on the account
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I was notified that a deposit initiated on XX/XX/2022 had not been received by Binance US in the amount of {$500.00}. I was delayed in responding in a timely manner. Because of the delay in my making good the deposit my account was locked. Usually Binance US will sell crypto currencies to pay themselves the balance due and make good the account. Notice was sent to me that this was done on or about XX/XX/XXXX. Usually they wait a couple of days and then open the account for access to the customer. This was not done and the account is still closed to me. I have about {$40000.00} in the account and need to access it to manage it properly. I am sure they are not trying anything shady, I just think it is lazyness that they don't act when they should. I have sent 2 tickets to them about this matter with no reply. Ticket # XXXX was sent XX/XX/XXXX ( a little premature ) and ticket # XXXX was sent XX/XX/XXXX. I have had no response from them. Can you please help me gain access to my account?
Product: Mortgage

Chase Bank is absolutely terrible and releasing consumers mortgages once they are paid in full. They are not following the 90 day Federal Regulation to release mortgages within 90 days of payoff and it is very frustrating for consumers to have this cloud remaining on their title years after the mortgage has been paid in full.
Product: Debt collection

XXXX XXXX saids he is a paralegal, of Lakeside Recovery Solutions phone number, XXXX.Just found phonecall today but date on voicemail XXXX.He saids i returned mail in reference to a legal matter i have returned no mail these past months he doesnt have my address and wants me to update my address on there system? He has my name and last 4 # 's of my social security number.He states they hold the legal right to begin the forceful recovery process they have a pending docket # XXXX.dotUS.They dont tell me the company i owe money too? They dont mention an amount? and they are giving me a docket # yet they dont know my address? This is the first phonecall from this company and it made me uncomfortable.
Product: Credit reporting or other personal consumer reports

I don't recognize this company and would like it removed from my credit report. 

XXXX XXXX XXXX XXXX ( CLOSED ) Summary Your debt-to-credit ratio represents the amount of credit you're using and generally makes up a percentage of your credit score. It's calculated by dividing an account 's reported balance by its credit limit. 
Account Number XXXX XXXX Reported Balance {$950.00} Account Status COLLECTION Available Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX
Product: Debt collection

Im unaware about who these guys are but they are falsely reporting a debt collection on my credit report. I never received any notices about this debt therefore they are violating my protected rights. This is causing severe stress and anxiety as I was attempting to apply for an apartment and this debt showed and prevented me from getting the apartment! I hereby am disputing this alleged debt according to 15 usc 1692g and I demand that you provide me a contract explicitly between YOU ( Diversified Adj Srv and I ) within 30 days! Thanks. Failure to comply will result in a private right of action.
Product: Credit card

I want to report  XXXX  credit card companies that keep disputing me and reporting me to the credit bureaus and making my credit very very bad. I have a socre of less than  XXXX  when I should have a  XXXX  or higher. I swear to you and the government that I never was late on any bill in my life. My husband late  XXXX   XXXX   XXXX   XXXX  was died of  XXXX  orange and we pay our bills even after he died. I have a Problem with  Chase  and  XXXX  because I file a FTC report with Federal mCommission which my grandchild did for me and I also file police report 2 times and sent to both companies and still they fight me and will not remove from Equifax,  XXXX , and  XXXX . I have the files where I sent information. They sent  XXXX  of pages of statements to me but no signature where I started the accounts. I swear I did not do this then they say my children or son in law do this but then I asked them for proof that it was my family and they did not sent and told me it was proof from transfer to another fraudulent account that is also on my credit. Then they say that I have funds transferred to a bank account at  Chase  also that I did not open up.  XXXX , I am retired and on benefits from my deceased husband who died of   XXXX   XXXX   XXXX   and I can not afford an attorney to fight this. This has caused me so much stress over the years and I am sorry for the companies that have been wronged with credit use and loss of money but I did not do this!!! I will go as far as an attorney if you can find a legal aid for a retired person on low income because I am not liable and I do not like my name is ruined because of these things on my credit bureau. I have never used my credit that much in the last 20 years except  XXXX ,   XXXX   XXXX   XXXX     and I assure you, I was never late for those or  XXXX  and  XXXX . I never was late on any bills ever. I had Chase card with my husband over  XXXX  or 30 years ago and never was late. I had  XXXX  and  XXXX   XXXX  cards and never was late either. Please investigate for me.  Chase  sent over one hundereds of papers with statements and none with my signature on it.  XXXX  said I transferred money to a Chase account but I did n't even know they have a bank account in my name. I have talked to all of my family members and they did not do this because they say family did it and if so, then so be it. Whoever is responsible should pay for it not me. I need help with this please.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is erroneously reporting a collection does not belong to me. The collection is from a Collection Agency named XXXX, XXXX, XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX - This is a collection for someone as the same name as me but does not belong to me. The collection agency represents a landlord and is for money another XXXX XXXX owes. I have contacted XXXX, XXXX, XXXX XXXX three times by certified mail and they only replied to me once with their supporting documents for the claim. The documents do not have anything on them to identify that this is my debt. My driver 's license number, my social security number, or my signature does not appear on any of their documents. They have 30 days to prove their claim to me or they must remove from my credit report. Its well past 30 days as i started contacting them in XX/XX/XXXX. It is a collection for a house I have never lived at or been to. The papers in this case were served to someone at an address I have never lived at or been to. They are trying to collect a little over {$1100.00}, it changes every month as they add interest. I believe they have me mixed up with another XXXX XXXX, its a common name. There was another XXXX XXXX that was the father of another child at the school my daughter attends, and there is also another XXXX XXXX at my employer. 

I've contacted XXXX via certified mail on XX/XX/XXXX again on XX/XX/XXXX and a third time this year on XX/XX/XXXX Each time I contacted them, they say they verified as accurate. I don't know how this could be I showed them the papers the collection agency sent me which have nothing on them to verify it is indeed me. 

I have also contacted XXXX, XXXX, XXXX XXXX three times via certified mail three times. they only bothered to reply to me once with the supporting documents that did not have anything to identify they are collecting from the correct XXXX XXXX, Nothing with my driver 's license, SSN # or my signature. 

I am attaching all my letters and documents from both Transunion and XXXX, XXXX, XXXX XXXX