23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/2020 at XXXX my real time account balance was {$1000.00} Im a little under 2 hours later, in the middle of the night my account balance changed to {$320.00} at XXXX on XX/XX/2020 The account balance was real time. All charges previously taken out, even pending was already physically taken out in real time from my account leaving the {$1000.00} as my current and real balance. 
That is {$740.00} taken stolen from my account in a 2 hour window in the middle of the night. 
I went to a branch for help and they would not help me. I then went to the branch I opened the account in and they would not help me, instead called a manager and all he did was print out my statement, tell me that I have to audit it and prove to them the money is missing and then he had the audacity to try and sell me/apply for a Citibank credit card. 
The statement during the time the money stolen out of my account does not show. I have screenshots proving so. 
Following will be screenshots of my account that clearly show date, time and how much was stilen out of my account and does not show on the statement and amount missing is unexplainable by the financial professionals of the bank and its manager.
Product: Credit card

Issue with Chase Credit Card : For the last week, I had been receiving calls from an unknown number, when I would n't answer they would leave a blank voicemail. On XXXX, I got frustrated and actually picked up the phone and got an automated message from Chase XXXX that my account is XXXX days past due for a charge of {$200.00} of which {$75.00} is late fees? Wait, back up a minute:1. I did n't even know I had a chase card? 
2. After XXXX hour of being transferred from XXXX department to another ( none of which can verify the transactions on my account ), I get hung up on. 
3. So, I call again and after being on the phone for another hour ( transferred from fraud to Collections to Customer service to Credit Bureau ) I am told that there is prime membership charge of {$100.00} from XXXX ( meaning the rest of the XXXX is late fees )? Why XXXX chose to charge it to that card when my default card is XXXX is beyond me. 
In any case, up until today, I did n't even know I had a chase card. What I tried to explain to all the different reps on the phone for XXXX hours ( who were just trying to get a payment out of me ) is that I would be more than happy to pay the charges. BUT, I am not okay with them XXXX my credit. I got NO statements because I was not even aware I had this card. They are playing with my credit that I have worked hard on for XXXX years for {$200.00}? I tried telling them so many times I want to make a payment but save my credit and they will not listen. From asking me to call the credit bureaus to calling USPS they want me to go through that entire ordeal for {$200.00}? Finally I am transferred to XXXX, supervisor in credit research who listens to my situation and agrees that this is not my fault and promises me ( please listen to the call ) that my credit will be fixed and she will remove the negative reporting from my XXXX and call me back on XXXX. I make the payment, and hang up. Today is monday, XXXX and I have still not received a call back. So, I call chase and talk to XXXX, their cbr specialist who tells me that my request was never approved and that i have a XXXX day, XXXX day and XXXX day report on my credit. I am in tears .. My credit score was XXXX, I have worked vry hard for it. I am originally from XXXX and moved here at the age of XXXX and have worked really really hard for it. Please do n't let them ruin this for me. I have NEVER missed a payment in my life and did not reach the XXXX score by missing payments. Need help, please help me save my credit, CFPB.
Product: Credit reporting or other personal consumer reports

I am requesting a block on the false reporting of a late payment on my account under 15 USC 1681c-2 ( a ) due to violations in disclosure requirements and false documentation. Per 15 USC 1637 ( b ), I am entitled to receive specific disclosures mailed or delivered at least 21 days prior to any payment due date. According to 15 USC 1666b, without these disclosures, there is no legal basis for a late payment. Since I did not receive these disclosures, any reported late payment is unsupported, making it a false entry. Under 18 USC 1001 ( a ) ( 3 ), knowingly submitting or maintaining false information is prohibited. Reporting a late payment without compliance with disclosure laws constitutes a materially false entry.
Product: Credit card

I have had a care credit account for over XXXX plus years, in good standing. 
Out of the blue, without my permission, the company closed my account, in part saying that I was late on XXXX payment with another credit card ( not theirs ) and that my debit was too high. 

This should not matter since my debit I owe as actually gone down in the last month and my credit score has increased in the last month. 
I understand I haven't used the card in quite sometime, but it is nice to know it is there when I need it to be,
Product: Credit reporting or other personal consumer reports

After reviewing my consumer report, Ive found that payment history is being reported on this account. Transaction history between the consumer is to be excluded from the report and it has adversely impacted my ability to obtain credit.

According to 15 USC 1681 2a ( I ), under the exclusions section, the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; As it relates to my consumer report, the data was furnished from the same data furnisher, yet inaccuracies can still be found on multiple accounts. I request that these accounts be removed from my consumer report to ensure maximum accuracy and fairness, guaranteeing the right to obtain credit. And according to the IRS, a charge off is a certificate of indebtedness, that was reported as income on my income tax returns. Income is not included in the consumer report.

15 U.S. Code 1681a - Definitions ; rules of construction ( D ) consumer report ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

15 U.S. Code 1681e - Compliance procedures, states that ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found a notice on my credit report from Experian Credit Reporting Agency of a debt of {$270.00} to XXXX XXXX for an account opened on XX/XX/2015. Because when I picked up the mail I remember that my previous roommate was always receiving mail from XXXX  XXXX/XXXX, and I made the deduction that this must be something that belonged to her. I submitted a notice of disagreement, explained to Experian what I thought could be the problem, and informed them that I have never had an account with this company. A few weeks later I received a notice from Experian that the debt had been checked into and the debt was mine. I then called Experian and I was told that the only one who could remove the charge was XXXX  XXXX. I then asked for a telephone number which I was given. I called the number given and received a recording that the number was no longer in service. I then started a computer check for the company, and after many calls, I finally reached someone in the fraud department of XXXX  online shopping. She informed me that there used to be a XXXX XXXX XXXX, but it had been acquired by another bank. I asked if she by chance had a phone number, which she did and I called the number. I explained to the female who answered the call and she asked me for
Product: Debt collection

I paid a past due debt owed to XXXX  XXXX through their contracted debt collector, InDebted on XX/XX/year>. After noticing in the middle of XXXX that they were still reporting the debt as unpaid to the three credit bureaus, I disputed the debt with the bureaus. Possible falsely " verified '' the debt as valid and is not updating my account as required by law. 

I contacted Possible to inquire as to why this is happening and they responded that they don't have record of my payment and did not verify the payment was made with InDebted before verifying the debt to the bureaus. InDebted as informed me that they submitted the payment to Possible and that it is paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company 's name is XXXX XXXX they were calling me on the phone sending emails wanting me to sign up for their services to fix my credit report. So I called them back signed up paid XXXX for a credit report and then they told me it would be XXXX A month on the first of every month I told them I did not want that and I canceled it the very day that I signed up for it so I thought everything was fine. So a couple of days later I started getting emails from them saying that they had sent a letter to one of my creditors about removing it off my credit report and then I got another one saying that they had taken this certain creditor off my credit report so I got to thinking why am I getting all these things from them when I canceled it so I decided to check my account at the credit union and they had taken out XXXX on XXXX XXXX, XXXX they were not supposed to take that out because I had canceled it on the very day that I signed up for it. I called them on the phone spoke with a paralegal who told me she was going to cancel it and they would credit my money back to my account. By the end of the day send me an email confirming that it was canceled. By that afternoon I never got an email and it was never credited back to my account so I called them again for the third time and I was n't so nice and I asked why they had n't canceled it so the lady promised me that it was going to be canceled she said I 'm doing it right now we 're showing that the account is going to be closed and we will credit your money back to you even though it might take 3 to 5 Business days so I believed her well I never got an email saying that it was canceled and I called the credit union to see if they had sent a credit and if it was even there which the credit union told me they had nothing had not received anything from XXXX XXXX So the very next day I call again for the fourth time told them I have never received your email saying it was canceled but yet I 've been receiving emails from you trying to signed me up for your services again the credit union still has not got anything from these people still keep getting emails from them trying to get me to sign up for their services.
Product: Credit reporting or other personal consumer reports

XXXX and Transunion have violated my consumer rights. 15 USC 1666b : timing of payments says, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, so XXXX and Transunion have violated this law because this late payment is reporting on Transunion. 15 USC 1681a ( 4 ) says, there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy so XXXX and Transunion have violated this law because this late payment reporting on Transunion is a violation of my right to privacy because I didn't give them permission to report it publicly. 15 USC 1681a ( 2 ) ( a ) ( i ) says, the term consumer report does not include transactions or experiences between the consumer and the person making the report, so XXXX has violated this law because they furnished this EXPERIENCE to Transunion and I didn't give them permission to do so via 15 U.S.C 1681 Section 604 A Section 2 stating a consumer reporting agency can not furnish an account without my written instructions AND 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. Consumers and customers who have the right to opt out may do so at any time. Once you receive an opt-out direction from your existing consumers or customers, you must comply with it as soon as is reasonably possible. - FTC CLEARLY STATES THIS!!!!! I AM OPTING OUT OF ANY AND ALL REPORTING TO MY CREDIT REPORT AND CREDIT FILE OF THIS LATE PAYMENT ACCOUNT after updating it to paid on time for the account listed below. 


Account name : XXXXXXXX XXXX XXXX Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent all 3 credit reporting agencies ( XXXX XXXX, and Experian ) letters notifying them that I'm a victim of identity theft. Neither company has removed any of the accounts from my Consumer report I've Sent in all documents pertaining to the case including a police report. I want all accounts removed from my Consumer report immediately. 

Also, XXXX XXXX, and Experian are in violation of the FCRA. 
15 U.S. Code 1681c1 - Identity theft prevention ; fraud alerts and XXXX XXXX alerts 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies
Product: Credit reporting

This account was managed by an un-authorized party. I have already submitted a notarized copy of the FTC Identity Theft Affidavit and I have also already let the creditor know about this account. I have already disputed this account multiple times without any luck. Please help me resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It appears that my credit my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section XXXX of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this files. XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX, CITICARDS CBNA XXXX Date Opened : XXXX XXXX, 2006 Balance {$8100.00} If you feel there is a possibility this accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

Delete XXXX XXXX Bankruptcy Court in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 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 ( XXXX XXXX  BANKRUPTCY COURT ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a compliant against Experian Information Solutions , Inc. for failing to address multiple inaccuracies on my credit report, which have had a significant negative impact on my credit standing. 

Nature of the Complaint : Experian has repeatedly failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ) in several ways : Inaccurate Reporting : My credit report contains inaccurate and incomplete information, including but not limited to : Late Payments and Charge-offs : XXXX XXXX XXXX XXXX Charged off with {$25.00} past due and late payment history leading to the charge-off. 

XXXX XXXX XXXX : Account charged off with a balance of {$400.00}, and a history of late payments ( up to 180 days past due ). 

XXXX XXXX, XXXX : Account charged off with late payments ( up to 180 days past due ) and a {$10.00} written off. 

Collections : XXXX XXXX XXXX : XXXX accounts in collection with balances of {$970.00} and {$710.00}, respectively, and histories of repeated missed payments. 
XXXX XXXX  : Office of the Attorney General : {$10000.00} past due XXXX XXXX  with ongoing late payment history ( up to 180 days past due ). 

FHA Mortgage Late Payments : XXXX XXXX XXXX XXXX : Significant late payment history, including 180 days past due, before the account was closed. 

Failure to Investigate Disputes : Despite submitting disputes with supporting documentation, Experian failed to conduct reasonable reinvestigations or provide accurate updates. 

Ongoing Violations : Experians actions, such as over-reliance on furnishers Automated Credit Dispute Verification ( ACDV ) responses and failure to delete or correct inaccurate items, continue to harm my ability to secure credit or improve my financial situation. 

Relief Sought : I request that the CFPB take the following actions : Investigate Experians repeated failure to comply with FCRA requirements. 
Ensure Experian removes the inaccurate information from my credit report promptly. 
Impose penalties or corrective measures on Experian to prevent similar issues from occurring for other consumers. 

I appreciate your assistance in resolving this matter. 

Please feel free to contact me
Product: Credit reporting, credit repair services, or other personal consumer reports

The company XXXX has taken my personal information and shared it with a 3rd party agency. 15 usc 1681 a paragraph 2 subsection ( a ) ( i ) report containing information solely as to transactions of experiences between the consumer and the person making the reports. Also 15 USC 6802 a financial institution may not directly or through any affiliate disclose to a non affiliated third party any nonpublic personal information, unless the such financial institution provides or has provided to the consumer a notice that complies with section XXXX of this title. In both cases, I did not consent and was never allowed to opt-out.
Product: Credit reporting or other personal consumer reports

I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 
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

My accounts were sold to a third party company with out my consent
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I noticed a bunch of items on my credit report that was not mine, I printed off my credit reports and took my time to identify the items that i either was unfamiliar or was not mine.

I waited well over 30 days, then I received a letter asking me for documentation of my ID and a bill with my address, which that was in the initial complaint.

They stalled and now asking for the same information that was provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1 FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX Please remove it from my credit report. 
2. FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX Please remove it from my credit report.

3. FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX Please remove it from my credit report.

4. FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX Please remove it from my credit report. 
5. FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX Please remove it from my credit report. 
6. FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX Please remove it from my credit report
Product: Credit reporting or other personal consumer reports

The address on file XXXX XXXX XXXX XXXX XXXX, DE XXXX is not my address and I would like to get it removed from my account immediately. 

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

It has been XXXX days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY!