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

BHFC FINCL SRVS is knowing reporting inaccurate information on my credit report. XXXX is allowing them to do it.

1. {$0.00} Balance this account is settled and should not even be on m credit report, The balance that the company is reporting is {$0.00} -However in the comments company reports their is a balance.

2. Date Opened is Inaccurate 3. Date of Last Activity is Inaccurate - Company is reporting Date of Last Activity : XX/XX/17 - Company is reporting last payment : XX/XX/17 -Company is reporting in payment History last payment : XX/XX/17 4. Company is reporting Repossession - I never received Notice of Right of Redemption - I never received Notice of Right of Reinstatement - I never received Notice of Default - I never received Notice of Sale - I never received Notice of Deficiency Balance Please remove this in accurate item off my report immediately 5. XXXX keep allowing this company to report inaccurate information on my credit report.

6. Attached is a copy of this item on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to purchase a home and I notice fraudulent activity on my credit report. 

Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  open date XX/XX/XXXX XXXX XXXX  Open date XX/XX/XXXX XXXX XXXX open XXXX XXXX XXXX XXXX open date XX/XX/XXXX Addresses XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Returned an item and never got my refund XX/XX/22 {$300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The problem is the Equifax has once again put items back on my report that has been disputed with documentation and police report sent for ID theft and fraud report sent as well that were removed but put back on by Equifax without notice by a letter from any Equifax representative, nor a call or text which is illegal to do. I've already disputed all of the items provided the required documents to have them removed but the items below are back on. I need your help in having equifax correct my file to ensure the information is reflected as 100 percent accurat. I thank you in advance. 

*Remove Address : XXXX XXXX XXXX XXXX, XXXX Ga XXXX XXXX *Add personal statement to Call XXXX for credit apps *Remove Following Inquiries : XXXX XXXX. Date : XX/XX/XXXX. XXXX XXXX : Date : XX/XX/XXXX *Remove Collections : XXXX XXXX {$700.00} -Medical. Date Opened XX/XX/XXXX. It was disputed and removed but they put back on without notice. 
*XXXX XXXX  : {$68.00} Date Opened XXXX Not Mine- XXXX XXXX XXXX XXXX XXXX XXXX {$720.00} Date Opened : XX/XX/XXXX. It was disputed and removed but they put back *Remove Following Accounts. XXXX XXXX XXXX XXXX XXXX same Account Number XXXX : one is for {$29000.00} and other is for {$60000.00}. It was disputed and removed but they put back. I dont have loans directly with the XXXX XXXX XXXX XXXX
Product: Debt collection

The enhanced recovery company has reported an account for sprint to my credit report that was previously disputed and removed from my report by diversified consultants XX/XX/2018, that company was not able to provide proof of the debt owed and after failing to provide information proving the debt was owed deleted debit closed account and deleted it which is required.
Product: Checking or savings account

XXXX dollars was withdrawn from my acct which my card was lost/stolen and it wasent me it was fraud and they said the denied my claim of grounds cause my pin was used .. anybody could of seen me use my pin n waited for for the right chance to do what they did to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

A complaint ( XXXX ) was submitted on XX/XX/22 along with an ID Theft Report and request to block and delete info pursuant to 15 USC 1681c-2 . On XX/XX/22 I called TransUnion to get status after receiving an update thru the CFPB.The agent I spoke to said that they would NOT be honoring consumer law, 15 USC 1681c-2 because they did not like the initial identity theft report that I submitted. She said it was incomplete ( which I dispute ) although it very clearly stated which accounts were involved with identity theft and I provided proof of my identity, a copy of the ID theft report, and provided a statement indicating that the information is not info relating to any transaction by the consumer. ( see attached ) The agent told me that their process would take about 30 days and I would receive notification in the mail. The fact that this agent blatantly refused on behalf of TransUnion to process my request under 15 USC1681c-2 is a very clear violation of this law and indicates Civil liability pursuant to 15 USC 1681n . I have resubmitted all paperwork, including an updated Identity Report.
Product: Credit card or prepaid card

I purchased XXXX XXXX from XXXX XXXX XXXX in XXXX XXXX North Carolina on XX/XX/2018 for {$2100.00} ( receipt attached ). As indicated on the receipt, the purchase was financed through CareCredit Financing account number XXXX. A copy of the Account Agreement provided by XXXX XXXX XXXX at the time of purchase is attached. 
The agreement states, Interest at the rate of 26.99 % will be charged to your account from the date of purchase if the promotional purchase is not paid in full within the promotional period. However, the Account Agreement does not state promotional period. I was under the impression the account would be paid in full before the end of the promotional period if I paid the specified monthly payment amount.

I enrolled in Autopay and received monthly emails ( attached ) from CareCredit/Synchrony bank with a link to the monthly statement. I knew the payments were automatically deducted and although the emails state the monthly payment amount, they did not state interest charges or the promotional period. There was never a reason to think it was necessary to check the statements. 
In XXXX, I noticed the balance was high. I was shocked when I logged into my account to find I was charged {$860.00} in interest including {$580.00} in deferred interest in XX/XX/2018. That is {$860.00} in interest on a XXXX loan! I am extremely conscientious about paying my bills and have an XXXX FICO score. I have never had an issue with numerous other accounts in which I take advantage of e-bills and autopay. I immediately paid the account in full as soon as I became aware I was being charged interest. 
I clearly would have paid off the loan before the end of the promotional period if CareCredit/Synchrony bank had clearly and accurately disclosed the terms and conditions or included interest charges along with the payment amount in the attached monthly emails. No doubt, it is extremely profitable for CareCredit/Synchrony if consumers are not aware of the promotional period and exorbitant interest charges. I sincerely doubt CareCredit/Synchrony would want to release information regarding 1 ) the number of consumers who have the same issue and 2 ) the amount CareCredit/Synchrony collects as a result. 
The customer service representative ( id # XXXX ) at Synchrony said the information was clearly provided in the online statements and that it would take 30 days to receive a copy of the agreement they have on file. In retrospect, I should have been less trusting and checked my monthly statements. I will not make that mistake again. However, there should never be a question as to whether a consumer was made fully aware of the length or end of a promotional period. A separate notification might be difficult to administer but it would be easy for CareCredit/Synchrony to include the promotional period in the attached Account Agreement and  monthly emails.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to property investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX INQUIRIES : XXXX XX/XX/XXXX : XXXX XXXX XXXXXXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX :
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 credit bureaus are not updating my FICO XXXX  score & its affecting my ability to obtain a loan from the Small Business Administration to be able to obtain the EIDL. I need those 3 scores updated & rescored immediately so that I can get this approved. There is a 100 point difference & its making me look like an unworthy & irresponsible lender as well as human being. My FICO scores are in the 600s but the FICO XXXX is in the low 500s
Product: Credit reporting or other personal consumer reports

My car was totaled by an uninsured illegal immigrant who broke my ribs and destroyed the functioning of my back and neck. He hit me at XXXX mph as I pulled into my bosses driveway to go to work. I have a video, police report, all the above. The man then left the country making for an extremely, slow financially and physically debilitating process. I had to use my insurance and pay everything out of pocket, 40 physical therapy sessions, xrays, multiple dr visits, a rental car, and more. So I finally get some relief in my body and am able to move again and go to look at purchasing a car labor day weekend. They run my credit and the salesman comes back to me and says " prestige your finance company has done you very dirty they have your car down as repossessed '' I was like no it was totaled they got a $ XXXX check from my insurance company they cashed they got money back from me cancelling my extended warranty I am just waiting on GAP who has all the info they need they just need to process it. I contacted prestige mon, tues, and wed trying to get some answers. They dont have any for me and my so called file manager will not speak to me either. I ask how can a totaled car be repossessed when youre being payed for it? Something about well we got it back then resold it. Oh so you got more money for it too?? No answere. You still arnt answering my question why does it say repoed on my formal credit and why wont this lady speak to me? Response is I cant speak to a human on the phone I have to send an email. So I did that, which im sure is a run around game. I need it explained to me how this car can be listed as repoed when it was totaled by someone else mind you and has been 3/4 paid off and will eventually be fully paid off. This has cost me almost everything and now its destroying my credit somehow too? Someone please help me fix this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Following a recent review of my credit report at the XXXX, XXXX and XXXX consumer reporting agencies, I learned that Chase Card ( account number XXXX ) was reporting delinquent 30 days when this was not the case. In fact, the account should report paid as agreed with no delinquency whatsoever. 

I contacted the creditor and was advised that the account would be updated and any prior delinquencies would be removed as said delinquency was no fault of mine. To date, this - apparently - has not been done and my credit score has been severely impacted. 

Please investigate my concerns and compel the creditor to correct my account with them. As an account holder since XX/XX/2004, I deserve more.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

On XX/XX/XXXX, I refinanced my XXXX XXXX XXXX with XXXX XXXX. XXXX XXXX paid off my existing car loan to Lending Club. As of today, XX/XX/XXXX, XXXX XXXX has yet to receive the title. Because of this XXXX XXXX can't list itself as the Lien Holder on the title. 

According to XXXX XXXX, they contacted Lending Club 3 weeks ago and were told that it would be sent. I called two weeks ago and was told to give it more time. On XX/XX/XXXX, I was told to allow for 7 to 10 days. This loan was paid off in XX/XX/XXXX, and the title still has not been sent four months later. 

Now I am attempting to sell the car and can't because XXXX XXXX can't release a loan on a title that they are not listed as a Lien Holder.
Product: Credit card

About XX/XX/2016, my wife called USAA to get information on our home owners insurance. She was told that she had to have a USAA credit card number for her to get that information. Neither of us have a credit card with USAA. She stated that we do not have a USAA credit card. The CSR told her that she could n't help her and to call back with a card #. To that my wife said " We do n't have a card so what will calling back do? '' CSR again said she could not help. Several weeks later we received in the mail ( Approximately end of XXXX ) we received XXXX separate mailings with credit cards from USAA, which we did not request. We shredded and did not activate the cards ( XXXX total cards, XXXX for me and XXXX for my wife ). We do not feel this practice of requiring a credit card to get information about an insurance account is legal and we do not want this practice to continue. This reminds me of what XXXX just got in trouble for opening accounts for people without their authorization. It also seems like they are tying their cards as a requirement to their insurance policies. Both things I believe are illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was involved in a class action suit with XXXX XXXX XXXXXXXX because of fees and their reporting inaccuracies on my consumer reports such as Chexsystems and XXXX XXXX I received XXXX checks in the mail for all three accounts, however, only XXXX were removed from ChexSystems, and XXXX XXXX  as I have previously disputed the inaccuracies with them in the past. They are still reporting the third account and it is affecting my ability to open a new bank account. I was instructed to contact ChexSystems and XXXX XXXX as they are the reporting agencies still reporting this inaccurate information. The account below is still reporting inaccurate and I am asking for them to please remove it. 

XXXX XXXX XXXXXXXX Account Number XXXX
Product: Debt collection

Several attempts to pay account in full were made on XXXX XX/XX/2020. My first contact was with XXXX XXXX. 
I was transferred multiple times. I was given the number of XXXX which is incorrect and lead me to a telemarketer. 
Because of the harassment of being moved from call to call, being given the incorrect number and having multiple transfers and multiple agents for over four hours. I feel this is a harassment tactic.
Product: Checking or savings account

I deposited cash {$3800.00} into ATM on XX/XX/23 XXXX at XXXX XXXX XXXX, XXXX XXXX XXXX CA There was an error on ATM when I deposited the money. It shown there was a bill couldnt read. I waited for a while to get the unreadable bills but it didnt return to me!!. Then the ATM printed out the receipt without any money go through to my account. The receipt shows me the phone number to making a call to customer service. So I just reported to the bank. The agent said money could get back XXXX business days. So I wait until I got only {$3000.00} on the next Monday in the afternoon I called to contact the agent again. The agent said that this is the credit money if I deposit more than that after investing Ill get the money fully. Its going to take XXXX weeks she said the period how they work. So I wait until.. 

Today XX/XX/23 Its been a while I call to check the bank again. The agent said the claim is already closed nothing I can do. This is my finalized amount. I asked him to check the case again. The investigation should see the amount that I deposited on that time. ( ATM can check the cash flow during that period ) I lost {$860.00} without any reason from the agent he said sorry the claim is closed and can not reopen it. He kept sorry and sorry. I feel very disappointed how the Chase working on with an ATM error.
Product: Student loan

My loans were canceled by Ed Financial on XX/XX/XXXX. They were updated as canceled on my data report as well on XX/XX/XXXX. I have documentation from XXXX that shows the loans broken down and canceled. I have spoken with individuals from XXXX which was XXXX on XX/XX/XXXX via chat and XXXX on XX/XX/XXXX via chat. I have spoken with multiple individuals from Ed Financial such as XXXX on XX/XX/XXXX via chat, XXXX on XX/XX/XXXX at XXXX, XXXX on XX/XX/XXXX at XXXX, XXXX in leadership on XX/XX/XXXX at XXXX and XXXX on XX/XX/XXXX XXXX XXXX. I have also sent copies of documentation for all of this information to Ed financial and they responded that they were canceled due to being consolidated. This is not the truth. I spoke with XXXX in Leadership at Ed Financial on XX/XX/XXXX around XXXX and she reported, " I am looking for another request for you because I see the loans as canceled and not paid in full by consolidation because you have not consolidated them since XX/XX/XXXX. XXXX then reported, " I only see the document for the loan that is for {$58000.00} so that is the only one I can work on. Go ahead and upload the rest of the pictures over the weekend and call back for use to take care of them. '' I then uploaded the pictures again. About 5 days later on XXXX XXXX while checking my credit report I saw that Ed Financial decreased your balance by {$60000.00} from {$250000.00} to {$190000.00}. This if from XXXX removing the only canceled loan document she could see. I called back again and could not get XXXX and was told they would reach out to someone in leadership to call me back. I then disputed the balances on my other credit reports and one was updated. I then filed a complaint and this is where the fraud is coming in. Ed financial reported that my loans were not canceled ( which they are still showing canceled today ) and the loans show that because they were paid in full by consolidation. Which again is not true. If that was true then XXXX would have not updated my credit report. Once I received my compliant response, they immediately closed it out and would not allow me to respond. All of my loans were canceled and not paid in full by consolidation. They then added the amount back to my credit report which I believe is unethical and illegal once they removed it as I have not taken out any new loans. Lastly, if they were paid in full by consolidation that is what the system would have said. Please cancel my loans and make this right. I would appreciate the reduction of stress and uneasiness this is causing me daily. It will only let me upload XXXX loan pictures. I have more including my credit report if needed.
Product: Money transfer, virtual currency, or money service

Chase bank. Business account XXXX date : XX/XX/24 Reference # XXXX A scammer got ahold of my online login credentials. 

They called me impersonating Chase. They told me that there was a suspicious charge charge on my account. Mentioned that there is a pending Wire transfer from my business account for {$15000.00}. If I log into my online account they would walk me through canceling the transaction They walked me through canceling the transaction which was not true. 

I told my buddy what happened about XXXX after the phone call and he said to hang up and call Chase directly. 

Called Chase. They said that I called like XXXX min ago approving the wire! Obviously I did not call as that was the first time I was talking to them. The scammers called impersonating me and got the wire approved.

Chase marked my account as fraud. Contacted the receiving bank and all Im getting is the we are working on it it may take up to 30 days. Well we are past that and nothing is coming about it
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXcount Number : XXXX
Product: Credit reporting or other personal consumer reports

How can transunion " verify '' an item while other consumer reporting agencies has deleted the same item due to it being unverifiable? I demand that they comply with the FCRA