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

Per The Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : On XX/XX/XXXX Credit reporting companies, ( XXXX, XXXX, Experian ) were informed that I have opted out of from all credit reporting agencies, credit card companies, banks, all etc., per 12 CFR 1016.1, 1016.13, 1016.14, 1016.15 from reporting, selling or sharing any/all my information. Also accounts that were not, wrongfully reporting balances or payment history ( 15 USC code 1681 ) that needed to be updated as well as personal information on file/report. None to little change 30 and 45 days later. On XX/XX/XXXX after calling each agency over the phone to update personal information and make disputes, certified packages went to XXXX ref # XXXX, Experian ref # XXXX, XXXX # XXXX disputing incorrect information and unlawful reporting. XXXX agents were combative and very resistant to make lawful updates/changes to personal information and credit card reporting 's and unauthorized inquiries. No updates made to file or report. In XXXX I spoke with representatives from all companies to follow up on credit reporting and corrections. Instead of XXXX updating student loans to reflect XXXX balance, they completely removed all student loans from the credit report. Since all 3 credit companies have not updated reports, I sent each another request with reports marked appropriately with correct information. XXXX ref # XXXX, Experian XXXX, XXXX re # XXXX. XXXX XXXX history is illegal -15 USC 1681a. Also credit agencies/companies need written consent to add anything to my consumer report. This is a violation of the Fair Credit Reporting Act. 15 US Code 1681 c -Compliance procedures, ( b ) Accuracy Report. Companies are liable for damages under 15 US Code 1681 n-Civil liability for willful noncompliance. Other violations 15 USC 1681, 15 USC 1681s-2, Privacy Act of 1974 ( US code 552a ) Also the credit accounts that are listed/sold or charged off to affiliates/3rd parties are in violation as well. I would also like to add charge offs are considered income and not to be on credit files/reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is currently an inaccurate item being reported on my credit report from Santander Consumer USA. I have contacted this company at the address listed on my credit report here : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Tx XXXX. As you can see, I have enclosed a photo copy of my mail being returned from the post office due to an invalid address. Given that the furnisher has provided false information to XXXX, XXXX & XXXX and provided the bureaus with a false address, I demand that the item they are reporting be removed immediately.
Product: Checking or savings account

I started my new job and opened my XXXX account in XX/XX/XXXX. I never received an XXXX debit card. I have never had an XXXX account, so I didn't even realize I was supposed to have received XXXX until I attempted to seek medical treatment and they needed my card number. I tried calling Optum at least XXXX times over the past few months with no progress. They keep telling me they will send me a card, but to date, I have received nothing. I called yesterday ( XX/XX/XXXX ) morning and requested it be sent via XXXX  with a tracking number, so that I can ensure they are actually sending it. The supervisor I spoke with told me he'd send it out yesterday and I would receive a tracking number via email. I still have yet to receive said tracking number. It's been XXXX months now without access to the funds in my account, and I can't get my prescriptions or see a doctor without it.
Product: Credit reporting, credit repair services, or other personal consumer reports

First up I was never given my interest rate on this loan but once I had a problem than I found out it was 28 % or more and than included coverage for repairs. It was a used car and I didn't even had for a year the suv year was a XXXX and I went to a gas station and it started smoking and I had it towed!!! When I got in contact with Credit Acceptance the mechanic called them and he was told what they wanted him to do to find the problem with no guarantee they would pay him and then Credit Acceptance gave me the mechanics they deal with. Had it towed again and the mechanic did what they told him and told him they were not going to pay normal wear and tear!!! He said the mileage was turned back and the engine number was scratched off!!! I than connected them and told them. I than wrote a letter registered mail to pick it up and I was voluntary returning it back to them. They in turn called the mechanic and told him they didn't want it. But he followed their instructions. I than got the attorney General office in DC and while I was on the line their Lawyer said they didn't want and do anything they want with the suv. They couldn't make any money off. The attorney General office said the insurance coverage that they had on the car people have had the similar problem and they say the same answer normal wear and tear. I had stayed on oil changes etc... They keep harassing me constantly!!! I want this removed off my Credit Report it's been XX/XX/XXXX and so many days they Report I'm so many days over due!!! It's an illegal practice they are doing. I'm XXXX and XXXX XXXX!!! I don't owe them anything!!! They owe me!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me.

Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX
Product: Credit card or prepaid card

I called Wells Fargo to dispute a charge on my credit card, but was forced to close my account and open a new card. I explained that I had already contacted the merchant XXXX times about the erroneous charge and they acknowledged and promised to refund both times ; I reached out to Wells Fargo because I still did not get the promised refund after a month. I explained that it appeared to be a bad business practice on behalf of the merchant ( XXXX ), but the Wells Fargo rep insisted that the account had to be closed due to fraud even though there were no other questionable charges and the merchant acknowledged the erroneous charge. I did not feel comfortable closing my account but the rep said that was the only way I would not be held liable for the charge. I simply wanted to file a dispute for the charge and get it reversed, since the merchant did not follow through on their promise to. 

The charge in question was submitted by XXXX and posted on XX/XX/XXXX in the amount of {$34.00}. I contacted XXXX directly on XX/XX/XXXX ( the day I received a text notification of the pending charge ) and again on XX/XX/XXXX. Both times, XXXX claimed the refund would post to my credit card in XXXX days. That never happened, so I contacted Wells Fargo on XX/XX/XXXX to file a dispute on the charge. I spoke to " XXXX '' who transferred me to Claims ; then I spoke to " XXXX '' who transferred me to the Credit Card Dept. ; then I spoke to XXXX, who closed the card due to " fraud ''. XXXX said she was required to close the card and issue a new account- and that I would receive a new card within about 7 days. I kept informing her that I did not believe it was fraud but merely poor business practices on behalf of XXXX. I explained that I have an active XXXX account, XXXX acknowledged the erroneous charge, and that there was no other questionable activity on my account - yet XXXX advised that the only way I would not be liable for the charge was if I closed the account. This doesn't seem right. I don't understand why they couldn't accept the dispute request and investigate rather than close the account while opening a new one.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is marking my payments as late when my account is currently frozen due to an existing lawsuit with the car dealership. The used car I purchased was illegally modified and would not pass a smog test, as well the engine gave out within a few weeks of purchase. I hired an attorney who named XXXX in the case as I am seeking to have the loan canceled and the car returned and the loan forgiven. Without warning XXXX froze my account due to the lawsuit. When I logged in to make a payment last XX/XX/2020 my online access showed that there were no active accounts/loans with XXXX. When I called I was told that my payments were frozen while in the lawsuit. About 10 months ago I checked my credit score and it had gone from Excellent to the high end of Fair. I realized XXXX had began marking my payments as missed. They never gave me any warning that they would be doing this. I tried contacting XXXX and was sent to their legal department, then was told my attorney would have to speak with theirs. 

XXXX  continues to mark my payments as late and my credit has diminished further. It is now Fair and recently dropped 126 points because of XXXX. Their attorneys have not resolved the issue and my attorney is still trying to settle my case. When I call XXXX the automatic system states that they are actively seeking payment from me, but when I attempt to speak to someone they give me no info or conflicting info. I still can not access my loan, I have not received a single statement, I do not receive emails from XXXX  other than marketing emails, and despite what their automatic system states I have not received a single phone call in regards to making a payment, and I have no way to make a payment to them. They are ruining my credit while I am in a lawsuit with them. I can not apply for a new car loan or a higher credit limit to improve my credit, or apply for an apartment because of my current credit shows over a year of missed payments. My credit would be flawless if it wasnt for XXXX XXXX up. 

I attempted to resolve this through all 3 credit agencies but it is still not resolved. XXXX  is disputing my claims.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from XXXX, XXXX and TRANSUNION. Please delete the following accounts : XXXX XXXX XXXX XXXX Balance {$14000.00} XXXX XXXX XXXX Balance {$0.00} U.S. DEPARTMENT OF EDUCATION XXXX Balance {$4000.00} U.S. DEPARTMENT OF EDUCATION XXXX Balance {$6400.00}
Product: Consumer Loan

1 ) Regions ' website shows in XXXX places the balance I owe is {$87.00}. 
2 ) When I called in to pay it off they say I owe approximately {$120.00}. 
3 ) The website is attempting to under report what I owe so that it takes longer to pay it off. I 've thought that I had paid it off a few times but the website misleads you on what you need to pay off the loan. 
4 ) Due to their deceptive website I want my balance waived and for the website to be improved so other borrowers will know exactly what the payoff is at all times. Regions is being very deceptive, including limiting the ways you can pay off your account when you call ( you ca n't use debit or credit cards online or over the phone ).
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files : 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 XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I went through a name change when I got married in XX/XX/XXXX, changing my last name to XXXX from XXXX. I also moved and reported that to both the school and Federal Student loan dept. When it came time for my deferrment to end and to start paying, the company sent all the letters and payment requests to the old address that was NEVER forwarded. It was n't until the collections showed on my cbi reports that I was aware of the problem. By that time the XXXX XXXX XXXX XXXX transferred all my accounts to their delinquency credit collector who refused to accept my paperwork for repayment for 1 year and half! After finally threatening the credit agency with an attorney after speaking to one, the collection agency accepted my repayment plan on their own " made up '' terms. The credit reports continue to show the accounts as derogatory and unpaid since original date reported. I have been paying since contract with the credit company. The XXXX XXXX XXXX XXXX 's collection department has racked up over $ 7k in interest by stalling this process all along. When I call the XXXX XXXX XXXX to try to pay the entirety of the balances off with consolidation loans, they reject my requests and say their is nothing I can do but to stay in this ridiculous repayment program. They took my husband and I 's XX/XX/XXXX tax return and applied all $ 7k to the loan balance even though the credit program I contracted under said this garnishment would not happen. It 's ruined my credit and I can not buy a home. I have disputed it with all 3 credit bureaus. The cbi 's removed it and then it reappears again the next month. An attorney has advised me to contact your agency to help. Please help me.
Product: Credit reporting

There is an incorrect address on my credit report, I have never lived there, XXXX XXXX XXXX, XXXX XXXX, ME, XXXX. There is an incorrect birthdate on my credit report, XX/XX/XXXX, there is an incorrect spouse on my credit report, XXXX. I was divorced in XXXX and also he is dead. there is in correct spelling of my name due to typing errors by different agencies reporting on my credit report, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, there is a wrong social security number on my credit report, XXXX, there are several wrong phone numbers on my report, XXXX, XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today ( XX/XX/20 ) I called equifax to address a response i received in the mail to my dispute. I spoke with XXXX  id # XXXX she informed me that equifax doesn't do independent investigations they only send our disputes to the creditors to be verified by them. im sure this is true but also a violation of my rights. 
on my credit report almost every account has inaccurate information. i have sent two letters to equifax and included the inaccurate information from my credit report.

i have 2 accounts that have been grossly re-aged. I have accounts that show different high credit amounts across all 3 bureaus. I have accounts that i do not recognize also.
Product: Credit card

I have a closed account with Synchrony Bank for a XXXX XXXX credit card that I paid off. The payment was made by check drawn on XXXX XXXX  in XX/XX/year>. Synchrony cashed the check at the beginning of XXXX but the payment of {$2000.00} still has not been posted to my account. I've contacted them multiple times and sent multiple proof of payment with the canceled check. All they tell me is it can takes weeks for them to investigate but when I call back no one can tell me the status of the investigation or when this will be resolved and it's now been over 2 months. XXXX XXXX, who sent the check on my behalf, has also mailed Synchrony proof of payment with the same information hoping they might get better results. The account with Synchrony ends in XXXX and they have it linked to XXXX which is an old phone number for me but what they've asked me to reference when I've sent proof of payment. I feel totally helpless as I can not get anyone to help me resolve this issue and it's making it appear as if I still have this outstanding balance with regards to my credit utilization and I'm still making payments to avoid late fees and additional charges.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX  ) # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of 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

XXXX ; XXXX and Transunion are incorrectly reporting me as an Authorized User on XXXX - account number XXXX. ( Please see page 3 of the attached credit report. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. I have contacted the ( 3 )  bureaus to fix this issue. This negative reporting is harming my credit score.  Please remove this line item from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, ( XXXX ), XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX & Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of car loans, credit card and car loan debt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I recently discovered an Ally Financial account on my credit report that I did not open or authorize. According to the report, the account was opened on XX/XX/XXXX, with a high balance of {$14000.00}, and the last activity was on XX/XX/XXXX. Ive never applied for or used this account, and I believe it was opened fraudulently without my consent. 

I reached out to dispute this account with the credit bureaus and Ally Financial, asking for proof that I authorized it. However, Ive yet to receive any documents, like a signed application or transaction records, to show that this account is legitimate.

Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute and have fraudulent or unverifiable information removed from my credit report. This account has negatively impacted my credit, and I need it resolved as soon as possible.
Product: Checking or savings account

I became aware of unusual withdrawals on my checking account that I have with Bank of the West located in XXXX, Ca. I have been a customer of Bank of the West for about 15 years with no complaints. Recently, I have had issues with purchases or withdrawals made online that were not authorized or made by me. The amount of disputed charges ( starting on XX/XX/2022 ) totals {$910.00}. My bank investigated only {$320.00} of these charges and completed their investigation. However, there is still more than {$600.00} missing. I am providing my bank statement with questionable charges highlighted in green. I am also submitting the correspondence from Bank of the West regarding the investigation of only {$320.00}. I have still not received my new debit card nor any more correspondence from my bank regarding the investigation findings or if the funds have been reimbursed to my account.
Product: Checking or savings account

Company sent an email XX/XX/XXXX around XXXX there difficulties after it started on XX/XX/XXXX they have XXXX of my paychecks they are not releasing I have bills and my son visiting before hes XXXX. Its happened to millions of people. Capital One