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

I am writing to file a formal complaint regarding my inability to opt out or freeze my consumer credit report with several supplemental credit reporting agencies. Despite my efforts to manage and protect my personal financial information, I have encountered significant obstacles with these agencies, which is causing me considerable concern and frustration.

Over the past few months, I have diligently attempted to contact several supplemental credit reporting agencies to exercise my right to opt out of having my consumer credit information shared or to place a freeze on my credit report. However, my attempts have been met with numerous challenges, including : 1. **Lack of Clear Contact Information** : Many of these agencies do not provide clear or accessible contact information on their websites, making it exceedingly difficult to reach them.

2. **Unresponsive Customer Service** : In instances where contact information was available, my phone calls and emails were either not answered or met with generic, unhelpful responses that did not address my specific requests.

3. **Complex and Opaque Processes** : For those agencies that did respond, the process to opt out or freeze my credit report was overly complex, lacking transparency, and not user-friendly. This has resulted in an undue burden on me as a consumer, seeking to protect my financial information.

4. **Non-Compliance with Requests** : In some cases, despite following the required procedures, my requests to opt out or freeze my credit report were not honored, leaving my personal information vulnerable.

As a consumer, I believe it is my right to have control over my personal financial information and to be able to take necessary actions to protect it. The inability to effectively opt out or freeze my credit report with these supplemental agencies not only undermines my privacy and security but also contravenes the principles of transparency and consumer protection.

I urge the CFPB to investigate this matter and take appropriate action to ensure that all credit reporting agencies, including supplemental ones, provide clear, accessible, and effective mechanisms for consumers to opt out and freeze their credit reports. This will help to uphold consumer rights and protect individuals from potential financial harm.

Thank you for your attention to this important issue. I look forward to your prompt response and action to address these concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my ( XXXX, XXXX or TransUnion ) consumer report, and I noticed that it is reporting my experience with XXXX XXXX. 

I Sent letter informing them the line of credit I have with there company, which is characterized as utilization on my consumer reports IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! 
WALMART/CAPITAL ONE is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( YOU ) XXXX XXXX that is making the report. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 
XXXX XXXX HAS VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. 
I advised XXXX XXXX they have 10 calendar days to update my utilization to 5 % or below and or delete all utilization from the consumer reports concerning my account. 
Failure to respond satisfactorily with deletion or update of Utilization to 5 %, will result in legal actions being taken against there company, for which I will also be seeking {$1000.00} per violation for : 1.Defamation of Character 2.Negligent Non Compliance 3.Civil Liability XXXX Anguish 5.Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in prior disputes with XXXX, Experian, and XXXX. They have not responded. They are failing to respond to my request by investigating my request within a timely manner as outlined in the FCRA section 611 ( a ) ( 1 ) subsections A, B, and C. XXXX, Experian, and XXXX have no reason to assume the previous requests were not from me considering all the information required to validate and initiate a request was included. I expect them to investigate and complete their investigation procedures within 30 days of my initial retrieval of my request as according to the Fair Credit Reporting Act section 611 ( a ) Reinvestigations of Disputed Information ; which requires them to conduct a reasonable investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file before the end of the 30-day period beginning on the date in which they received the notice of dispute from consumer. I expect to receive notice of any notice of determination within 30 business days after today as outlined in the FCRA section 611 ( 3 ) ( A ).
Product: Bank account or service

Someone I do n't know wrote XXXX checks and practically emptied my checking account with Chase Bank ( the XXXX checks totaled {$4700.00} ). My checkbook was not stolen or lost. And the XXXX checks written fraudulently have numbers of checks I have blank and in my possession. 
I 've had the same account number for more than 35 years, never a problem. 
I reported the problem to Chase the same day they sent me a warning text about my account being low ( XXXX XXXX, 2016 ) and they said they had up to 30 business days to investigate. They have not kept me informed of the progress of this claim even though I 've called them numerous times to check on it. And they have blocked access to my account on line, so I can not longer review any information ( I closed the account, but still need access to activities prior to it ). 
I have reported the theft to the police, and Chase promised an escalation when I told them this. But yet I have learned nothing about my money. 
I 'm a XXXX. I need my money back! Almost {$5000.00} is not small change! 
The bank victimized me twice already, first by accepting and cashing XXXX fraudulent checks ( my signnture is fake, a close look to recent checks would 've told the teller that ), and then by making me wait for months for a yet unknown resolution.
Product: Credit card

I applied for a credit card with Chase in early XXXX, and was kept in a " pending '' state for more than 30 days. During that time, I made several calls to Chase ( XXXX, the number Chase advertises as where to call for a credit card application status ), and the automated system consistently told me that Chase is reviewing the application, and that I should wait to hear from Chase. When I reached a customer service agent, I heard the same thing. 

Finally, after 30 days, Chase informed me that I would need to apply. They gave contradictory explanations of what happened, but eventually concluded that they just needed me to confirm that I actually submitted the application. However, due to lack of contact from them, and wrong information provided to me, I could not actually provide that confirmation. 

I'm aware of a legal requirement of Chase to have responded within 30 days. https : //www.consumerfinance.gov/rules-policy/regulations/1002/9/ # a. On a call with a representative from Chase 's executive office, they expressly denied any accountability for failing to abide. 

I should also note that, after 30 days, Chase attempted another hard pull on my credit report without my consent. Luckily I had a freeze at the time. In communications with Chase, they claim that that was the issue, and that I need to unfreeze my reports. But that's not the issue and is rather an instance of strawman fallacy. Chase acknowledges that my report wasn't frozen in XXXX, and that they did run a hard pull and obtain the information they needed. The freeze they're bringing up pertains to an attempted second hard pull performed without my consent. This is about Chase failing to properly review my application and communicate with me in the 30 days since my initial application. 

Also Chase said that they sent me a letter asking me to confirm that I had applied. However, the letter was never received. In fact, the US Post Office provides a daily digital preview of my mail before it's dropped off, and these emails indicate the mail never made it to the post office.
Product: Bank account or service

XXXX branch manager of PNC bank in XXXX XXXX closed my bank account today right before my direct deposit hits on Friday XXXX XXXX. I already set up auto pay with all my utilities and fitness club. He promised to call me back after speaking with his loss prevention manager and never called me back. He had his XXXX employees XXXX and XXXX lie and say he was not in the branch when he was there just to avoid my calls. He is not a man of his word and very unprofessional.
Product: Credit card or prepaid card

I lost my credit card ( a Chase Sapphire Reserve ) between the late night of XX/XX/2020 to the early morning of XX/XX/2020. I made one purchase during that time at XXXX XXXX XXXX with the amount of {$19.00}. I called Chase as soon as I found out my card was lost, which is on XX/XX/2020, and also realized that a fraud charge of {$43.00} at XXXX XXXX XXXX XXXX was posted to my account on XX/XX/2020. So, I informed Chase that it was unauthorized and they helped me to take that off my statement. 
However, I received a letter in early XXXX that I am responsible for the transaction. According to the single sheet letter that Chase sent me, " I received benefit from this transaction ''. There are no proofs that I was using the card for that transaction and they do not even bother to ask the store for a signed copy of the receipt or things like security surveillance that can prove who was using the card. I have disputed other transactions before, but other agents took it seriously and sent me stuffs like signed receipts to back up the claim. 
I called Chase again on XX/XX/2020, a nice lady picked up the phone and said will pass my concern to the fraud department and let them re-investigate. However, two weeks passed and no responses were heard. 
I am so disappointed how Chase is treating one of their loyal customers and taking money from the good guys instead of the frauds.
Product: Credit reporting or other personal consumer reports

Experian has filed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ). To conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, Accepting unreadable responses and disputing outcomes. These failures align with my experience, where Experian has neither corrected nor removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Hard inquiry from XXXX ( Bank ) on XX/XX/2023 that I did not authorize.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and contest the accuracy of certain accounts listed on my credit report. Upon meticulous review, I have identified discrepancies that raise serious concerns about the integrity of the information being reported. These inaccuracies, specifically late payments, do not reflect my financial behavior or history accurately. 

I have taken proactive measures to address these discrepancies by contacting the respective bank associated with this accounts. I am pleased to inform you that after thorough investigation, this bank has acknowledged the errors and have agreed to update my accounts and remove the late payments. 
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

Transunion -- they have listed my business partners HOME ADDRESS on MY CREDIT REPORT! Nuts. I pointed this out in a letter detailing everything after numerous phone calls -- very frustrating ... and Transunion 's response? A form letter asking for verification of my current address. What nonsense. 

I need my business partner 's home address ( XXXX XXXX XXXX ; XXXX, TX XXXX ) OFF MY CREDIT REPORT. 
Thanks XXXX XXXX
Product: Checking or savings account

on XX/XX/XXXX i talk to one of the customer representative about my son 's account because his account has low balance. need to pay for withdraw fees from his account to cover the fund that's he use 'total is XXXX in XX/XX/XXXX XXXX i speak to one of the customer representative her name is XXXX she say they will refund XXXX dollars back to my son account! but today i found out they didn't did it even talk to the supervisor XXXX and the answer still no the bank doesn't responsible for this. What a joke why one people said OK turn around the another people say no what is the bank promise cheating the customer.
Product: Debt collection

THIS COMPANY WHICH I HOLD NO CONTRACT WITH REPORTED A COLLECTION ACCOUNT AGAINST MY SSN IN THE AMOUNT OF {$1200.00} WITH CREDIT AGENCIES AND ALSO SENT ME LETTERS, I HAVE REQUESTED VERIFICATION OF THE DEBT AND ACCOUNT HOWEVER THE BUSINESS FAILED TO PROVIDE ADEQUATE PROOF WITH MY SIGNATURE I DO NOT HAVE A CONTRACT WITH THIS AGENCY. CONSIDERING THIS BUSINESS DOES NOT HAVE A CONTRACT WITH ME FOR GOOD OR SERVICES/BUSINESS THEY CLAIM THEY HAVE PROVIDED NOR HAVE THEY PROVIDED ADEQUATE PROOF, I AM NOT OBLIGATED TO PAY FOR THE ALLEGED DEBT. I HAVE REACHED OUT AND SENT LETTERS SEVERAL TIMES AND ASKED THIS AGENCY TO VALIDATE THE DEBT THIS COMPANY IS CAUSING FINANCIAL HARDSHIP AS IT REPORTED ON MY CREDIT
Product: Debt collection

I have asked for a copy of a signed SSA-89 and an original contract form from me to them giving them access to my credit report profile ( s ). They have not provided it and are still accessing my consumer credit profiles. They are engaging in the theft of my identity. Please see attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under employers, Experian has a comment called SECOND INCOME. I have been retired for 6 years and not worked for over 7 years.
Product: Checking or savings account

On XX/XX/2022 a withdrawal in the amount of {$2500.00} was deducted from my PNC Savings account. The incident happened with the drive-thru teller. The money was disbursed without verifying or confirming if the person was the account holder. Then on XX/XX/2022 and on XX/XX/2022 XXXX more withdrawals were made from my PNC Savings account for {$1000.00} on each of the above mentioned dates which totaled {$2000.00}. Again it was done with the drive thru teller and once again no verification was performed. I found out about these XXXX withdrawals from my savings on XX/XX/2022. I informed PNC and they initiated a dispute in which I needed to sign XXXX affidavits for these incidents. These affidavits were submitted on XX/XX/2022. A week later my account was reimbursed for {$4500.00}. 

Then on XX/XX/2022 a check from XXXX under my daughters name was provided to the teller to be cashed for {$800.00} and the money once again was provided without verification. Another dispute was submitted with another affidavit and upon further investigation PNC determined that the check wasn't valid and was fraudulently done with my daughters information. Upon review of surveillance the vehicle was a XXXX truck and did not fit the descriptions of our vehicles. Upon PNC confirming it was not me or my daughter, once again I was reimbursed for the {$800.00} a week later and the dispute was closed. 

Additionally, on XX/XX/2022 a check from XXXX Bank was provided to the teller to be cashed for {$2000.00}. Once again, for the XXXX time, the transaction was not verified and {$2000.00} was provided without verification. Another dispute was submitted with another affidavit done by PNC bank, and as of today Friday XX/XX/2022 I have not received my reimbursement of {$2000.00}. 

I am requesting for these incidents to be documented with the FTC and Federal Reserve simply because they are not keeping my accounts safe. I have been a loyal customer for 40 years when the bank XXXX XXXX texas XXXX bank, then merged with XXXX compass, and then with PNC. I am extremely upset with the lack of security PNC has shown for me. How is it possible that they didn't learn their lesson from the first oversight that happened on XX/XX/XXXX? They refused to keep my money safe XXXX times and allowed these withdrawals totaling over {$7000.00} within a matter of 3 four months. This is unacceptable, and I will not be a victim once again because of their laziness and refusal to take care of a loyal customer. I want answers and results regarding their careless behavior and I want my {$2000.00} back in my account as soon as possible.
Product: Credit reporting or other personal consumer reports

Re : Dispute of Late Payment on Credit Report - Reference : XXXX  XXXX XXXX XXXX  Loan # XXXX To Whom It May Concern, I am writing to formally dispute a late payment that has been reported on my credit report, specifically referring to the Fair Credit Reporting Act ( FCRA ). This late payment, as reported by XXXX, was allegedly associated with my account with Bank XXXX XXXX Mortgage, and it is having a detrimental impact on my creditworthiness. 

On XX/XX/2023, I diligently mailed my mortgage payment check in the amount of {$1000.00} to Bank XXXX XXXX Mortgage, which was due on XX/XX/2023. The payment was dispatched through the United States Postal Service ( USPS ). On XX/XX/2023, I proactively contacted XXXX  XXXX XXXX XXXX  to confirm the receipt of my payment. During this conversation, the representative acknowledged that my payment had indeed been received ; however, they failed to mention any processing delays or the length of time it would take for the payment to be reflected on my account. 
My assumption was that, given the confirmation of receipt, the payment would be promptly credited to my account. Moreover, XXXX XXXX XXXX XXXX 's payment instructions explicitly state, " To ensure your payment is credited on the date of receipt ... '' which led me to believe that any delay in processing was not my responsibility but theirs. 

In accordance with the information provided, my check should have reached Bank XXXX XXXX XXXX 's mailbox no later than Saturday, XX/XX/2023. The discrepancy arises from the fact that the 30-day late mark on my credit report was applied due to the payment 's processing date, not its actual receipt. 

In an effort to resolve this matter, I have previously requested documented proof from Bank XXXX XXXX Mortgage regarding the date of receipt of my payment. Regrettably, my request was met with refusal, and they have failed to provide any such evidence. 

By reporting inaccurate credit information, XXXX XXXX XXXX XXXX appears to be in violation of the Fair Credit Reporting Act, which is intended to ensure the accuracy of credit reports. It is apparent that the late payment notation is unfounded and damaging my creditworthiness. This situation has already resulted in tangible financial losses for me. 

In light of these circumstances, I respectfully request that the credit bureau promptly conducts an investigation into this dispute and, if found in my favor, removes the late payment from my credit report. Failure to do so would not only constitute a violation of the FCRA but also prompt me to consider legal action to protect my rights and seek redress for the damages inflicted upon me due to the unprovable, unvalidated, and inaccurate information on my credit report.
Product: Credit card

Since the time frame of XX/XX/XXXX, I have been the victim of identity theft. My phone was hacked and incidentally, my information has been used in an attempt to open and/or successfully open credit lines, bank accounts, etc., in my name that I did not authorize. Particularly, Best Buy sent me a credit card that I did not open. A charge in the amount of {$4300.00} was made on XX/XX/XXXX ; I did not authorize this credit line nor the purchase.
Product: Credit card or prepaid card

I opened a {$6000.00} line of credit with XXXX flooring on XX/XX/2018. I was told I would not have any payments due until the next month. Initially, my account was supposed to be with XXXX XXXX, but it was changed to XXXX   without my permission. I was against this from the beginning because of the negative consumer reviews on XXXX, but could not afford to pay off the entirety of the loan at that time. I received a bill the next week from XXXX. When I called questioning the month grace period, they said I had opened the account just before the start of their billing month so I would be responsible for the immediate payment. On this call XXXX, I confirmed the last day I could pay the balance on full to avoid the 29.9 % APR. I was told I needed to pay the full balance by XX/XX/2018. I made regular payments greater than the minimum amount due. When I called on XX/XX/2018 to pay off the {$1500.00} balance in full, I was told I had accrued an extra {$490.00} in interest. At no point was I verbally made aware of the interest charges, the date I would start receiving interest, the fact that residual interest would be charged, nor did I ever sign any documents from XXXX acknowledging these agreements. XXXX has not worked with me one bit on any of these charges. The fact that they tout themselves to individuals with less than stellar credit as a way of getting out of debt is shocking.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect and inaccurate information reporting on my credit report
Product: Credit reporting or other personal consumer reports

My information was compromised in a, data breach with experian and XXXX  are so many things on my report that aren't mine. I tried to get help from Experian and they told me that I had to figure it out and clear it up with tge credit agencies. XXXX are so many things on my report and accounts that I never owned. It's too much stuff to fix on my own.
Product: Debt collection

Back into a car it was my fault. XXXX XXXX paid for the accident and wanted reimbursement Sent to a collection agency with0ut even contacting me for payment. I XXXX a month to pay ot off the full amount was XXXX It was paid off in XX/XX/2023. Them the man at the collection agency told me u owe XXXX more so I asked him to send me paperwork on it he sent me the paperwork for thee XXXX now he's threatening me to have my license revoked but he still won't send me paperwork on the XXXX The collection agen is national service bureau in XXXXXXXX XXXX  The man I'm dealing with is XXXX XXXX