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

Experian and XXXX, have both failed to accurately update my XXXX XXXX, credit card and I know it was reported to them on time as required by law because my XXXX credit report reflects the correct balance! This negligence on the part of Experian and XXXX, is adversely impacting my credit score and is a violation of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have numerous hard inquiries on my credit report from XXXX XXXX XXXX syncb and XXXX XXXX. I am unsure why there are so many of the same inquiries there is 200 hard inquiries on my report.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my XXXX and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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, 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. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the account which do not belong to me or were opened without my permission. 

XXXX XXXXXXXX Date Opened XX/XX/2019 XXXX {$0.00}. 

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

Cheekr performed a credit check on me when I Applied for XXXX driver XX/XX/2021. 
As of XX/XX/2021 my DRIVER RECORDED was revised and case dismissed Despite reaching out to Checkr about updating my Motor Vehicle Repoirt tye information is still in correct causing XXXX to not hire me
Product: Credit reporting, credit repair services, or other personal consumer reports

i am natural persone, i am a living human being, i have rights under 15usc 1681. 

XXXX is govern by 15 usc 1681. and they violated my rights numerouse of time. 
i demand the accounts listied below be remove because according to 15 usc 1681 ; I have the right to privacy and i did not gave XXXX written permission to furnish these accounts. 


acc .... XXXX name ... .. XXXX XXXX XXXX acc ... ... XXXX name ... ..XXXX XXXX XXXX XXXX XXXX ... XXXX thank you
Product: Checking or savings account

When I went for make a deposit ATM machine took my {$4000.00} XXXX couldnt pay my payments I called customer service they said I have to wait XXXX XXXX business days for get credit to my account how we can trust to bank like that I will get late fee my payments XXXX atm number
Product: Debt collection

XX/XX/2019 - XXXX called leaving a message to resolve a debt or " proceedings '' will be initiated. Stated that something was mailed to my address. No mailing is at my address. Stated that company is Integrated Recovery XXXX. Phone number given in the voicemail is XXXX. 

This company has called from other phone numbers prior to this call as well. 

This webpage also has statements that the 877 number above actually does not belong to Integrated Recovery XXXX : https : XXXX
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to address a concerning discrepancy in my credit file that requires immediate attention. 

Upon reviewing my credit report, I have identified an open account that appears to be reported as late. However, after thorough review of my records, I can confirm that all payments related to this account have been made on time, and there are no outstanding balances. 

The inaccurate reporting of this account as late payment has the potential to adversely affect my credit score and financial standing. Therefore, I urgently request your assistance in correcting this error and updating my credit file accordingly to reflect the accurate status of this account. The late open accounts should be corrected as soon as posssible : XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$6200.00}.
Product: Student loan

I was enrolled in autopay to lower my monthly payment when in XX/XX/2015 my loan went from $ XXXX/month to {$750.00} and almost over drafted my account. I worked for weeks to get my payment to a steady $ XXXX/month over the next 20 years. Since then my monthly payments have increased incrementally and I now pay {$480.00}, of which {$100.00} in just in added interest - none towards my actual loan repayment. I can not afford this nor will my loan be paid off in a more timely fashion. When I asked about lowering my monthly rate I am told there is nothing I can do. They told me there are no income based options for private loans.
Product: Checking or savings account

I am a capital one customer. I was not aware of my direct deposit not being put into my account until I try to check my bank statement and I noticed it never went in. I went to the bank to ask questions and the told me they were told by Thursday night or Friday morning. Today is Friday XXXX XXXX and still no deposit.
Product: Money transfer, virtual currency, or money service

DirectExpress will not transfer my funds to my personal bank. I have been sending required info for 3 months and each time nothing happens. When I ask for transfer tracking number they have no idea what Im talking about. In their terms of service they state funds transfers are available but they have refused or turned down every request Ive made. I have to keep sending the same info with no results at all. They tell me someone will call but no one ever does.. I wrote the Fiscal Treasury since they are the folks who granted the contract to Comerica ( called them to and they just flat out told me untruths ) and they just forwarded the email to DirectExpress who promptly ignored the request. Im a XXXX XXXX vet and find it hard to believe a government approved agency does business like this. Help please. 
XXXX XXXX
Product: Checking or savings account

I am a Chase Bank XXXX XXXX. XXXX setup many business accounts with them. They should not be charging monthly fees due to me meeting my minimum balance. They have reversed a few payments because they know it is wrong but they dont know how to fix it in their system to stop automatically charging me fees. This has been going on over a year and they now owe me {$1600.00}. I have been it XXXX times and it is still not getting done.
Product: Credit card

GENDER DISCRIMINATION - I used a kiosk at XXXX XXXX in XXXX, MA for a third party credit card company " Synchrony Financial '' that XXXX uses to offer their customers zero finance credit cards for one year. - This is a gender discrimination complaint. After answering all the questions, they prompt you to estimate the total cost of purchases you wish to make. I keyed in $ XXXX. They returned with a $ XXXX credit card that was activated. At my request, a XXXX employee contacted Synchrony Financial to review my application and reconsider my full requested amount. They declined to change. I spoke with XXXX Sales Manager XXXX XXXX and expressed my concern of gender bias. I cancelled half my furniture order and gave XXXX a personal check for the balance of the order. While I was waiting for my paperwork I sat next to the kiosk. While I was there another woman applied at the kiosk and was declined for the amount she wanted. The employee in the XXXX credit department asked her if she had a husband, and if so, he could apply at the kiosk and then XXXX could request their credit card approval amounts could be blended onto XXXX card. Understand that my NET income a month is $ XXXX. If I paid minimum monthly payments - after bills are paid, my monthly discretionary income is $ XXXX. I had to wait three days to cancel the credit card ( automatically issued ). Cancelled on XXXX/XXXX/XXXX with specific instruction to state " closed at customer 's request '' - when the information is released to the credit bureaus. I was assured this would happen, and informed them I would follow up with the credit bureaus at a later date to confirm this was in fact done.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive asked Equifax nd XXXX on several occasions for them to validate this one account that they are reporting on my credit. they took over 60 days to respond to my first letter, in their response they failed to provide proof of everything i asked for. The account that they re reporting is showing inaccurate information, I sent them a no response letter and i still did not get a response after that. Keep in mind that i have sent every letter certified so i know that my letters are being purposely ignored. After so long i sent the creditor a letter to prove this debt. They responded saying that they did not have enough information to prove this debt. I sent them a letter to remove it from the credit bureaus and they ignored me. I called Equifax and XXXX and explained to them what i received and that they must delete it off of my report because this information is not thorough or accurate and that is unfair to me. By FCRA they are required to report accurate and fair reporting. They are also supposed to respond within 30 days of receiving my letters and they also failed to do that. These credit bureaus have been violating and they need to be corrected!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act Barclays Bank Delaware Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under + open end consumer credit plan as late for anv purpose. 
XXXX
Product: Credit card

They closed my account because i had used the words XXXX XXXX XXXX when speaking to an employee after they locked my card. I called and no one told me why i was closed they said you got ta wait for mail.
Product: Credit card or prepaid card

On XX/XX/XXXX, I made a payment with Total Visa for {$290.00}. I checked my account on the XXXX and the funds were there. I then went out to eat a few days later and my charge was declined. I was so embarrassed. Luckily, I had other funds on me. I called and was told that my payment was placed on hold. I was upset because this is the third time, I had a hold on my account. I do not understand, because my payments have never been late, returned, missed, and I always pay in full. 

This is also a bad situation because I had used all the money in my bank account to make a payment. So I had no additional money at all. I had no way to put gas in my car, feed my kids, or use at all. I ended up borrowing money from family members. 

I spoke to two supervisors ( XXXX and XXXX ) and a manager XXXX who was no help at all. They said there was no way to help, call my bank, or expedite. I sent a screen shot of the posted charge as requested and they still declined to remove it. 

I am very disappointed in the way I was treated by this company and that they would leave a good customer with no money or any way to feed their family.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX Updated : XX/XX/XXXX, XXXX XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$5800.00}, XXXX XXXX  XXXX Balance Owed : {$4000.00}, XXXX XXXX  XXXX XXXX XXXX Balance Owed XXXX {$1300.00} XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance Owed : {$2500.00}, XXXX  XXXX Balance XXXX : {$18000.00}, XXXX XXXX XXXX XXXX  : {$660.00}, XXXX XXXX XXXX  XXXX Balance Owed : {$2500.00}, XXXX XXXX Balance Owed : {$230.00}, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX  XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Called and disputed online on multiple occasions about fraudulent inquiries and an account from XXXX  XXXX that is not mine and that i did not authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

Todays Date : XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Complaint : ALLEGING UNPROVEN DAMAGING ENTRIES ; SEEKING ANNULMENT FOR NON-PERMISSIBLE PURPOSE. 
To Whom it may concern : Experian, XXXX, XXXX XXXX According to The Ninth Circuit, in Pintos v. Pacific Creditors Association ( 9th Cir 2007 ) 504 F.3d 792 it decided that without a permissible purpose one is in violation of 15 U.S.C. Section 1681b. Based on this decision, it appears that your agency is in violation of furnishing a copy of my credit report to the below companies.

As the court interpreted and based on has been done in my case, FACTA clearly states that one only has a permissible purpose for obtaining a credit report under 1681b ( a ) ( 3 ) ( A ) and when it is only in connection to a credit transaction in which a consumer has participated directly and voluntarily. I DID NOT DIRECTLY AND VOLUNTARILY SEEK CREDIT WITH THE FOLLOWING COMPANIES and they DID NOT HAVE A PERMISSIBLE PURPOSE. 
XXXX/XXXX/XXXX  XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XXXX   XX/XX/2019 CXXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX   XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX  XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 I am requesting immediately deletion of the above inquires. 

Thanks for your prompt attention
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX  we tried to get a modification of our mortgage loan but we did not get it ; therefore, we decided to ask for a Short Sale approval. We got the approval from CHASE ( they had purchased the original lender ) on  XXXX   XXXX , and the whole short sale process was finished by  XXXX   XXXX .     Almost 3 months later, on  XXXX   XXXX , we received a letter from  Chase announcing again we did not qualified for modification and asking to take one of the options they explained to avoid foreclosure. Obviously, we did not pay attention since we supposed that eventually someone in CHASE would realize of their mistake.  Unfortunately for us, it seems it was not the case, and a negative entry in our  XXXX  and  XXXX  reports says " Account paid after foreclosure started ''.     I have filed this dispute to  XXXX  three times. The first time on  XXXX   XXXX   XXXX , the only thing we got was a  XXXX  points reduction in my score. Second time, on  XXXX ,   XXXX   did nothing. On  XXXX   XXXX  this year, we filed again a new dispute and sent proofs : Approval from  CHASE (   XXXX   XXXX   ) , HUD Deed  (   XXXX   XXXX  ), Mortgage Release (  XXXX   XXXX   )  and the inconsistent letter announcing a future Foreclosure dated  XXXX   XXXX   XXXX . At the same time I faxed all these documents to CHASE.     Today I got an alert from   XXXX   and the false statement is still there. I called   XXXX    and despite the fact of being their customer for many years, and even being totally aware of this false statement because the letter announcing foreclosure was produced and sent  THREE M ONTHS AFTER we had settled, they said they can do nothing.
Product: Checking or savings account

I was scammed pretending to be loan lenders and those scammers remotely accessed my account and did unauthorized transactions, I have text message alerts to all major transactions made but never received any text, i came to realiaze later that my account is negative, those scammers had already pulled money out of my bussiness account, i did attatch all dates and phone calls made to my bank since XX/XX/2023, They are threating to permanently close my account if i don't pay money stolen. I have had that banks almost 15 years.
Product: Mortgage

For the past 18 months, Chase has deferred our mortgage payments due to pandemic hardships. They told us on about XX/XX/XXXX that we could defer our past due amount until the end of the loan period without penalty or extra interest. However, we were told that Chase needed to make a final decision on it and that we would receive a confirmation letter within two to three weeks. 

On XX/XX/XXXX, I inquired about the status of the deferment and was provided no further information. 

It has now been three weeks and we have received no information from Chase, our amount due on XX/XX/XXXX is over {$93000.00}, which is three business days from today.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX waited to post my payments to my XXXX account. I do not want XXXX reporting to ANY of the credit bureaus. My payments sit in the XXXX 's mailroom until XXXX has enough staff or feels ready to post my payments. That is not fair to people trying to get their payments sent via mail. XXXX does not offer any payment options other than the US postal service.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few years ago, someone filled federal taxes in my name, which now requires me to use an IRS issued identification number to file my taxes. Now, someone has taken out an ample amount of credit in my name, which is beyond frustrating. I noticed this issue when i pulled my credit report on XX/XX/2023. I pulled my credit because I am interested in pursuing my XXXX XXXX & wanted to apply for FAFSA ( federal aid ). I figured to check my credit before applying for federal student aid. I have filed a dispute with XXXX, Experian, and XXXX. 

All of the information ( credit reports, Identify Theft Victim 's Complaint and Affidavit, my state identification, and a list of items that are fraudulent ), is attached to this report, in which the accounts listed in the documents that start with 'Exhibit to FTC Affidavit Page ... ', are fraudulent. 

What boggles me is that I have fraud alerts ( freezes ), on my reports. However, lately ( within the past few months ), i've been receiving weird, unknown calls.
Product: Debt collection

XXXX XXXX XXXX and BWW Law Group are debt collectors who has for the last three years lodged threats to physically arrest, cause harm, seize, dispossess, disable assets and other personal property of the Consumer, his estate and family. XXXX and BWW has manufactured, fabricated, counterfeited monetary instruments bearing the consumers Identity without authorization and consent. Identity Theft is a crime and thus has been reported to the FTC and Home Land Security by complaint. XXXX and BWW was ordered by the Consumer to Cease and Desist all physical, terroristic threats against the consumer, but has only increased its criminal harassment and has filed multiple non-judicial actions in incompetent court who lacks jurisdiction over federal question. BWW has misrepresented the face value of certain foreign instruments bearing the consumers name by more than $ XXXX. BWW attempts to benefit illegally from the consumers identity on forged instruments they are not entitled too. BWW and XXXX poses a serious physical harm to the consumer and the consumer feels threatened that it will continued to be imprisoned and arrested by its illegal, unlawful acts. 
BWW is sole driving force behind the assault of the consumer and fails to respect the sovereignty of the consumer defined in XXXX XXXX XXXX. The federal and constitutional laws BWW and XXXX continues to violate is of significance. BWW appears to disregard the preemption, Supremacy a consumer has over any state laws. Yet, BWW acts as if it above federal law while engaging in interstate commerce for illegal purposes. BWW and XXXX was Ordered to pay actual damages in the amount of {$4.00} XXXX Dollars pursuant to XXXX XXXX XXXX ) ( XXXX ) ( XXXX ) ( XXXX ). This Administrative Action is to document and record with the consumers federal Agency, the Decree issued in compliance with the sovereign power inherent in the consumer to govern its debtors. BWW and XXXX must file a timely response which must be in accordance with the FDCPA, 1692 ( c ) ( c ) ( 1 ). This Foreign Judgment of the consumer will be enforced by Judicial Review in a duly constituted court, if the consumers demands are not met. BWW and XXXX must immediately cease misrepresenting a Trust, Deed or other arrangement with the consumer, as such relationship does not legally and lawfully exist. Even if it did, it is, now, and previously terminated with prejudice.
Product: Credit reporting or other personal consumer reports

Late payments evictions missed payments that dont belong to me