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

Chex systems login information preventing me from viewing my credit report because of my VPN. They want me to disable the VPN just to be able to view my report. I can't log in to their website to view my information just to see if what they are reporting is even accurate.The Rep with Chexsystems said I must disable the VPN. This disable VPN before logging in is nowhere on the front page of their website. This is preventing consumers from accessing their credit information!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I had a Victora secret credit card. I have never made a late payment on any of my accounts. I called Vicotrai Secret or went into the store not sure, on XX/XX/22 paid off this credit card XXXX and closed the account and there is activity on this account that is on my credit report that I am not making payments. This has decreased my score over 61 points. I have disputed this information with all three credit beaures and not heard a response. It has been on going since XXXX. 
XXXX statemnt due XX/XX/22 was XXXX. Then for some reason the balance went up XXXX and I paid that off. I have worked so hard on mainitnng a great credit score to buy a home plus I am in XXXX school and may need loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX TX XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX Date XXXX : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$410.00} ; XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXX Balance Owed : {$150.00} ; XXXX  XXXX Balance Owed : {$380.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXXXXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXXXXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXXXXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXXXXXX # XXXX XX/XX/XXXX -- {$0.00}
Product: Money transfer, virtual currency, or money service

I was scammed by one of XXXX 's membership clients. I informed XXXX and Google Payments of the issue and requested a refund the same as several other people who were also scammed. I know that most of them received their funds back and told me to do the same. I sent in a support request to get my funds back and google payments refused to provide a refund. XXXX knows that the person was scamming their users, but they refuse to stop them or help remedy the situation. They're still allowing other people to sign up for their membership and still allowing them to continue tricking other people. They promised things that were not provided and gave services that could not be used. Her own partner is the one who told everyone that she was scamming us. I want my money back.
Product: Credit reporting or other personal consumer reports

I filed disputes with XXXX, Equifax, and XXXX over 30 days ago regarding inaccuracies on my credit report, listing specific accounts and the violations. They have failed to respond.

The company violated FCRA 623 ( a ) ( 3 ) by not marking the disputed account as disputed and 605 ( c ) by incorrectly reporting the date of last activity instead of the last payment date.

Attached are copies of all letters sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the bankruptcy case number XXXX and they verified it with XXXX. The problem is it has been deleted from XXXX XXXX  since XX/XX/2021 as you will see in the document I upload. I am tired of the games TransUnion plays and also the cfpb not wanting to help. I have tried not to take legal action, but if this is not corrected I will be forced to take legal action on you both for not doing your job. All they do is send automated responses, they never even verify anything. So please one of you do your job so I can get this removed. I am not in this for the money I rather have this removed since they clearly lied about who they verified it with. The lady on the phone even gave me the number to XXXX XXXX  and guess what? They do not have it on file!!!!!
Product: Vehicle loan or lease

I have never missed a payment on this loan. I tried to make a principle payment of $ XXXX. First investors refused it. Then they graciously let me make XXXX separate {$2500.00} payments. Subsequent to that First investors has refused to let me make additional payments on the loan. This is a simple interest loan. Everyday the balance and interest is calculated. This means that FIFS ( First investors financial services ) has been in breach of contract. They have breached it by forcing me to pay interest on principle that I tried many many many times to pay down. I filed a XXXX  complaint and was told they had talked with me, they never once have, and to go ahead and file an FTC complaint. I filed the FTC complaint and a complaint with FIFS directly. I got an email blaming their payment system. I didn't sign a contract with their contracted payment system. Their refusal to accept payment or their payment system not working, will have great financial impact on me in addition to emotional stress. I expect FIFS to be punished. I expect the title to my truck. And I expect compensatory damages.
Product: Mortgage

On XX/XX/19, paid off our HELOC and I have requested multiple times via phone calls to get my final statements as the online statements are no longer available. I have stated that this should be considered a customer complaint, as I have called more than 3 times to follow up on this matter. The individuals place me on hold and never return and I then get disconnected. No follow up only false commitments and no acknowledgment that anyone has logged a customer complaint related to this lack of service. The financial institution is US Bank. I followed up on matters again today ( XXXX ) and was told the information was mailed XXXX days ago. I will give it a couple days and see if the statements arrive so that I can prepare a reconciliation and show there was an overpayment. Very poor customer service!!!! Poorly trained personnel and no understanding of a complaint process.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX ID : XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : Driver 's License ID Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX pa XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXXXXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXXXXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request.

Thank you for your assistance. 
Sincerely, ( XXXX XXXX )
Product: Credit reporting or other personal consumer reports

This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to 1,000 dollars per violation and clearly they violated my rights. 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( A ). the information was blocked in error or a block was requested
Product: Student loan

My daughter attempted to pay off her student loan on XXXX/XXXX/2015 using the " current amount '' on the Sallie Mae website. The account has a daily accrual rate but nowhere on the payment site ( i took screenshots ) does it state that this is really not the " current amount ''. We later found from " escalation department supervisor - XXXX '' that the " current amount '' is simply the last statement balance amount. 
To complicate matters, Sallie Mae, withdrew the amount out of the wrong account which of course created insufficient funds fees and of course more accrued daily interest. 
The possibility of selecting the wrong account was entertained by Sallie Mae. However, paying off your student loan is a huge accomplishment and my daughter and her mother worked together to celebrate this event. The account had been auto debiting from her personal checking account for months and when the payment was made the computer automatically selected the correct primary account ( the one it had been automatically using ) and they happily typed in the full amount, " current amount '' and pressed pay and confirm. 
Although the amount of interest is not even close to the payoff amount, it is still her hard earned money ( plus {$30.00} ISF charged to her mother and I ) plus an additional {$45.00} in accrued interest. 
After 4 phone calls the problem is still not corrected, her loan still not paid, due to Sallie Mae waiting to receive notification from our bank that the money was not in the account they tried to debit before they can do anything. I am simply wondering, as of XXXX/XXXX/2015 how many kids this has happened to and how much extra money Sallie Mae has collected when the consumer gets frustrated and just gives up. 
The consumer of Sallie Mae is encouraged to use auto debit ( website ) however this access method is not accurate and misleading. Consumer beware!
Product: Checking or savings account

Started calling back in XXXX about money disappearing from my account. I was first told that amounts in pending is money that could still be spent which is not true amounts in pending mean that that have already been deducted and waiting foe merchant to claim. I then went called the bank again in XXXX and was told that since there has been fraudulent activity then a new card would have to be issued. After receiving the new card I had to go into the main branch and show my I.D twice due to my card being being locked. Then it started happening again so I went back into the bank a week ago and the bank advised me to close the account and open a new account. The very next morning my banking history and app on my phone was deleted and it stated I logged in at XXXX as last login. I was still asleep at that time. I then went back to the bank and the woman I spoke with by the name of XXXX advised me to close the new account and start another account. No fraud investigation was done or anything. I have been going through this for months and after looking at statements money was transferred from my account through internet transfers. and multiple duplicate transactions. I even tried contacting local police and was told to basically figure out who could have access to my info.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consider this a follow-up request to my earlier request last time. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$2000.00} ; THE XXXX XXXX XXXX Balance XXXX {$6500.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account XXXX XXXXXXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX Account XXXX XXXXXXXX In accordance with the Fair reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 usc 1681 15 U.S.C. 1681 section 602 A states i have the rights to privacyUnder section 604 ( a ) ( 3 ), a consumer reporting company may provide a consumer report when it has reason to believe that the user requesting the report has one of the permissible purposes specified therein with respect to the consumer who is the subject of the user 's request.Jul 12, 2022 15 U.S.C. 1681 section 604. It also states a consumer agency can not furnish a account without my written instructions 15 U.S.C 1681 c. ( a ) ( 5 ) & 15 U.S.C 1681 -2 ( A ) ( I ) A A Person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

On XXXX I deposited a check of {$6100.00} from my school. Chase bank immediately put a hold on my check until XXXX so they can confirm it. On the XXXX of XXXX I tried to use my card and it came up as suspected fraud. I went into my nearest branch to see what the issue was and they informed me that they suspended my account due to not being able to confirm with the " maker of the check ''. They also informed me that a letter from my school would clear it up. I then went to my school and spoke to the business office manager. He gave me the letter stating that I was awarded the money for school funding and attached his contact information as well. I went back into Chase with the letter they needed. The teller faxed over the letter and told me to check back in with them the next day. The following day I called the customer service line that deals with fraud and they never received a fax. I then go into Chase and ash the woman at the counter for help and explain my situation. She tries to help with no success. The fraud department then tells her that the only way I can get my funding is if the sender cancels the check and issues a new one. I informed my school of the news and they tried to do just that unfortunately the funds have already been taken so they could not cancel the check. On XXXX I went into the branch to see if any news on my account and Chase had permanently closed it. I don't know what else to do at this point.
Product: Credit card

I have an Macys Credit card. I lost my card and notified Macys of this immediately. The same day I lost the card there was a transaction made with my Macys card that I did not authorize in the amount of {$460.00}. I disputed this charge from XXXX with Macys and received credit for the transaction the same month. 

In XXXX I was then charged again for {$460.00} due to Macys stating they did not find the charge to be fraudulent. This transaction is fraudulent and was not authorized by me. I asked Macys to provide me with proof to show this transaction is not fraudulent based on their investigation and Macys didn't provide anything. I need full reimbursement for this transaction credited to my account. Billing statements will be provided as supporting documentation.
Product: Checking or savings account

I opened checking and saving acounts with Chase Bank as part of a promotion offered by the bank, in which I receive a reward if I fulfill certain conditions. I fulfilled the conditions of the promotion, but after receiving the reward, I discovered that federal interest withheld had been withheld from me. I am a US citizen and am not subject to any withholdings. The bank had no grounds for this write-off. I contacted the bank employee who opened the accounts for me to resolve this issue. She said that the box indicating that I was a subject to federal withholding was checked by mistake. I drove to the bank branch, where the employee and I made necessary changes and she assured me that the amount that was mistakenly withheld would be returned to me and that these payments would not be withheld from me in the future. 
However, on XX/XX/XXXX, the money was withheld again. I again contacted the employee, who promised to resolve the situation, but I was unable to get any clear answer. In this appeal I ask you to oblige the bank to look into this situation and correct the error made, namely to indicate in my case that I am not a subject for federal withheld and return the erroneously withheld amounts to my account : XX/XX/XXXX XXXX $ XX/XX/XXXX XXXX $ XX/XX/XXXX XXXX $ Total : XXXX $
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX, and XXXX  are not properly investigating my claims. I have been saying for years XXXX XXXX and XXXX XXXX were using illegal tactics to recover on a debt. 

XXXX  XXXX, held the debt longer than necessary. They held a debt for 3 years. 3 years when they could have sent it after 120 days. 

Instead of 3 months, they waited 3 years to maximize the amount of damage they could do. XXXX is a willing participant because they acquire POCKETS/PACKAGES of debt in bulk without doing research on each individual account. 

It is absolutely unfair and ridiculous that they were willing to go hand in hand with borderline fraudulent or at least malicious activity. Stop it. Youre better than that.
Product: Credit card

I was a victim of identity theft, please have the bureau remove this information. This is hurting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple reversals with XXXX  through Delmarva Collections
Product: Credit reporting, credit repair services, or other personal consumer reports

My daughter died. I contacted EQUIFAX to place a deceased notice on her file. I sent hard copies by mail of the death certificate, my appointment as administrator from the probate court, a copy of my driver 's license, my address, her social security number - everything EQUIFAX requested. I received a letter from them indicating they needed a death certificate- which I had already sent. I called again and was told the death certificate was uploaded by their mail room as a blank page. I sent another death certificate. I received another letter that they needed a death certificate. I called again. Keep in mind, when one deals with the company via phone especially, the call center is in XXXX. I spent at least 40 minutes on hold before I got a supervisor. This time they wanted my social security number, too. I refused and asked for a supervisor. I refused because I had already sent a copy of my driver 's license for verification. Finally, I was connected to someone in the XXXX who easily found all the information was in place after all. She placed a deceased notice on my daughter 's file and initiated a credit report on her. I do not understand why it took from XX/XX/2023, XX/XX/XXXX to finalize this issue. The American agent was professional and competent, handling the issue quickly. So, the problem has been addressed - finally- but it is important to lodge this complaint because the XXXXXXXX  of their call center goes beyond the acceptable.
Product: Credit card or prepaid card

On XX/XX/20 XXXX charged a {$40.00} late fee because my phone payment came in about an hour late after their XXXX XXXX  deadline. The payment was made on the XX/XX/20 deadline. Not sure their fixation with a time deadline, other than a way to scheme an exorbitant amount from consumers. I called the company about waiving the fees they refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in response to Equifax reply/response to complaint # XXXX. Your response and inaction is unacceptable. I dont want to hear about results you mailed to me. I did not authorized Hard inquiry request. After 4 repeated attempts to notify Equifax of 3 unauthorized hard inquiries on my report they refused to remove or investigate inquiry with the company they release my credit file to without my consent. these company show up on my Credit report XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX without my consent, written or orally. I did not give it, So I ask Equifax to delete immediately and they continue to refuse. They refuse to provide me any evidence of any authorization, nor any permissible purposes as I have continuing been requesting. So in leu of that according to Section 604 of the  Fair Credit Reporting Act Permissible Purposes of Consumer Reports, can only be released, if initiated by the consumer with his or her permission. I did not initiate access to these companies. Produce documentation or Delete Immediately. Equifax needs to delete hard inquiry for XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX  for releasing credit file with out my consent and failure to show proof of authorization EQUIFAX TAKE NOT I DID NOT AUTHORIZED RELEASH OF MY CREDIT FILE. YOU WILL NEED TO SHOR ME CONSENT FROM MESELF GIVING PERMISSABLE PURPOSE ACCORDING TO THE FCRA Sec.604. DELETE THESE HARD INQUIRYS IMMEDIATELY. FAILURE TO DO SO WILL LEND ME TO FILE LEGAL ACTION IF YOUR NEXT RESPONSE DOES NOT INCLUDE DELETION OF HARD INQUIRY IN QUESTION. I DONT WANT TO HEAR ABOUT A INVESTIGTION THAT YOU COMPLETED AND RESULTS MAIL TO ME. YOUR INVESTIGATION WAS FAULTY AND YOUR CLAIM WAS NOT BACK UP WITH ANY PROOF. PROVIDE PERMISSABLE PURPOSE DOCUMENTS OR DELETE THERE IS NO OTHER SUITABLE OUTCOME. TRY ME AND I WILL TAKE LEGAL ACTION.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax XXXX XXXX XXXX XXXX are reporting incorrectly a collection/charge-off in the amount of {$10000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle was sold at auction and sold for more than the balance owed so consequently, there is no outstanding balance due and owing and therefore nothing to charge-off. This incorrect reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove these items however, I have not been successful.
Product: Payday loan, title loan, or personal loan

I on a fixed in and the loan amount is XXXX XXXX  I have been paying XXXX XXXX  every month for over a year and I still own them XXXX. The loan amount has not changed no matter how much I pay over this XXXX dollar amount, plus then my account was hack and I am trying to get that fixed I got a letter from them titlemax but that letter didnt keep my accounts from getting hack the hacker had all my information they got from them