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

Experian is still reporting XXXX XXXX XXXX, XXXX   XXXX XXXX & XXXX on my report as verified. I have requested documentation to show how this account was verified and my request have gone ignored. I have filed 6 complaints with the CFPB and Experian states that I am a third party even with proof that I am the person making the claim. 

Experians continued response to my complains are a clear attempt to avoid addressing the false reporting. 

Experians response to all compliants : " your reinvestigation does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on the request. '' XXXX and XXXX   have removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX and was unable to verify. I have asked Experian to show how they were able to verify this account and XXXX along with XXXX have not been able to verify. I also requested the documentation used to verify which they still have not responded to all of my request. 

I have all records sent to Experian with receipt showing that they were received by Experian. Documents attached to this complaint is just a few I was unable to attach all it took over an hour to attach the documents below. See previous complaints attached for additional documents. I will be able to mail or email additional documents if the CFPB Judge reviewing this case needs to see all of them.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and someone who acquired my personal information used the information of SSN, name and date of birth to obtain four student loans from XXXX XXXX. I informed XXXX XXXX of the identity theft through telecommunications with an associate on their contact point. I was then told to send a discharge application for forgery with attached documentation. I sent the documents as requested and was immediately rejected based on leaving question XXXX and XXXX blank. question XXXX says " Do you know the name of the individual or organization who signed your name, in ink or electronically, without your permission? '' Yes- Continue to XXXX, XXXX - Skip to item XXXX marked No - skip to item XXXX. Question XXXX asks " When and with whom did you first seek to resolve the forgery? Attach documentation such as copies of letters or emails from prior loan holders discussing your forgery allegation '', I answered XXXX since at this time the fist person/company i am asking to resolve this issue is them and this is my first attempt. Additionally I have opened a dispute through XXXX and they rejected the dispute even though the application used phone number, and addresses not listed through my credit report at the time and only information they relied on to issue the loan was name, Date of Birth and SSN.
Product: Prepaid card

I filed a dispute for the amount of {$18000.00} and they divided that in to different claims Claim # XXXX for {$10000.00} Claim # XXXX for {$4800.00} filed and sent them police report and they keep saying I gave permission for those transactions but yet they credited me for {$900.00} claim XXXX thats part of the same claim so I dnt understand how they approve one part of the claim but not the other of they are all the same incident
Product: Credit card or prepaid card

On XX/XX/XXXX, I was alerted of three fraudulent charges -- all made in-person via XXXX XXXX  to XXXX XXXX and XXXX XXXX. These charges eqauted to just over {$8000.00} in purchases made without the card owners ( myself and my husband ) knowledge or permission. Chase initially confirmed it was fraud with someone using XXXX XXXX to pay in-store in XXXX, XXXX. These transactions happened on XX/XX/XXXX and XX/XX/XXXX, at the same time that my husband and I, the authorized users on the card, were in XXXX XXXX and XXXX, respectively. During that time, my husband and I were making purchases in XXXX XXXX and XXXX  with the card chip while these fraudulent charges occurred via XXXX XXXX. I was initially credited for these charges but was then rebilled as Chase deemed it was not fraud. 

Upon asking for clarification on why it was deemed not fraud, it was noted that they could see someone logging in/out of the Chase account on XX/XX/XXXX and they do not understand how someone could have our password to do this. Great question, neither do we which is why we immediately changed both our credit card and account login information upon this happening. 

I have proof through photo location ( and could obtain additional proof through cell phone records ) to show we were not in XXXX at the time these purchases were made and that these purchases were not authorized by us. 

Throughout this, Chase has been treating us like criminals, not customers. They have not been able to provide any rationale as to how this is not fraud and it is clear they have not taken the proper steps to review the charges. We have since reached out to XXXX XXXX to file our own claim and have also filed a police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is reporting incorrectly to XXXX  ; XXXX and Transunion a collection in the amount of {$4700.00} on the XXXX  XXXX XXXX account number XXXX. ( Please see page 6 of the attached credit report. ) This account does not belong to me. I do not have a XXXX  XXXX  card. The date of last activity on this account was XXXX, 2014. This account is well over the statute of limitations ; does not belong to me ; and reporting this is a violation of the Fair Credit Reporting Act. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report.
Product: Debt collection

account number XXXX Reference Number : XXXX 1/ Our records indicate someone placed two FRAUD transactions with XXXX XXXX XXXX XXXX brand ) in XX/XX/2022, the total amount are {$52.00} and {$100.00} which were blocked by credit card fraud system automatically. 
2/ After receiving the Fraud alert text, I reported to credit card company immediately those are not my purchase. 
3/ I contact XXXX brands company and reported those two FRAUD transactions, and they agrees to remove it. 
4/In the XX/XX/2022 we received a collection mail from State collection service. in the XX/XX/XXXX again I contacted the XXXX brand collection department ( XXXX ) to reconfirm those are not my debt, and they agrees it.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Thank you for your time This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

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.

15 USC 1681e ( b ) Compliance and procedures ( 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.

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.

15 U.S. Code 1681 to ( 4 ) There is a need to insure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy. 

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

the following personal information is incorrect I demand that the following personal information be DELETED immediately XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition, DELETE all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a frozen account with Equifax that I was able to unfreeze online to allow a banking institution access to my credit, they were unable to view my credit report. I called Equifax several times and in talking to several individuals, I was finally informed I needed to send in a photo copy of my driver licenses for verification. I have provided all pertinent information when I spoke to this last person on the phone to verify my identity, she also told me I have an online account that will let me change account info " ID and Password " Online access will not let me access my account. 
I then went to their website and unfreeze my account with my confirmation # and the bank still can not access my credit account. 
Is this because I am one of the people whose Identity that was breach?
Product: Credit card

XXXX XXXX XXXXXXXX XXXX XXXX me high late fees along with high interest rates. Totaling more than credit limit. Issue not resolved with commenity bank at this time,
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a letter regarding unknown and inaccurate information on my credit report. As of XX/XX/XXXX, which is more than 60 days later, I still have not received any response. I am under the impression my disputes are being ignored and disregarded. I feel as if I am being taken advantage of. Section 611 ( a ) plainly states that a failure to investigate these disputes within 30 days gives reason to remove the items from my credit report immediately. These items should be removed at once since it has been over 60 days. I demand these accounts be deleted immediately, or I will file for litigation due to the unjust due stress you have caused me. Furthermore, my personal information was impacted by the Equifax data breach andmay have gotten into the hands of unauthorized individuals.
Product: Checking or savings account

I walked in to Citi Bank the XXXX Branch to do a wire transfer Im buying a house and needed to wire the money to escrow a white male asked me if I needed help I told him I wanted to do a wire transfer, so he sat down on his desk and he said our wire system is down and he was going from one place to another and refused to help me and he said call customer service they will help you and I asked him whats the number he said look at your card its on the back, complete discrimination, I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive dealt with so many Banks and Banker but never felt so disrespected in my life and distressed because I had a dead line and he didnt help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached Complaint Number XXXX against XXXX XXXX, copy of XXXX response deleting the late payments, copies of my latest credit report. 

I filed a complaint against XXXX with regards to XXXX account XXXX. XXXX responded dated XX/XX/XXXX that they already submitted a request to all the credit reporting agencies to remove lates reported in between XX/XX/XXXX to  XX/XX/XXXX. Despite XXXX sending the request to the bureaus, more than 30 business  days had passed, the late payments are still in my report. I am now willing to file a lawsuit against the bureaus and XXXX due to their negligence and none compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the last 3 days, I have contacted TransUnion Fraud department at XXXX. Each time my call is automatically disconnected instead of forwarding to a customer service representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Transunion are in clear violation of the LAW. Under 15 USC S 1681b -permissible purpose of consumer reports, The law clearly states the following, ( a ) IN GENERAL Subject to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other, ( 2 ) In accordance with the written instructions of the consumer ro whom it relates. Did I give any of those reporting agencies written instructions to furnish the accounts on my credit report? The answer is simply No. Furthermore, the Fair Credit Reporting Act 15 USC S 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS -Except as provided in paragraph ( 3 ) the term " consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any - ( i ) report containing information solely as to transaction or experiences between the consumer and the person making the report : Which would mean my Utilization was never supposed to be furnished on my consumer report ever.
Product: Checking or savings account

On XX/XX/XXXX my wallet was stolen from a local XXXX grocery store on XXXX XXXX XXXX around XXXX. There were multiple locations my debit card was used. 
Transaction # 1 : XXXX XXXX amount {$16.00} Transaction # 2 : XXXX XXXX amount {$150.00} Transaction # 3 : XXXX amount {$92.00} Transaction # 4 : XXXX amount {$56.00} Chase Bank called my personal cell phone and contacted me by email during Transaction # 5 at XXXX XXXX XXXX XXXX amount {$55.00} asking if this charge was valid. 

I immediately said no, check my purse for my wallet and realized it was missing. Called Chase customer service that night around XXXX to report my card lost/stolen have it closed and dispute the charges. 

Chase initiated claim # XXXX with all 4 charges attached to the claim. 
They refunded the 4 charges on XX/XX/XXXX during the investigation. 

On XX/XX/XXXX Chase sent a letter saying that the charges were again being reversed because they were authorized. 

I received a notice on XX/XX/XXXX that my personal account was overdrawn because Chase decided to take the money back even though they are the ones who suspected fradulent charges in the first place. I called Chase and they are now asking that I submit work timesheets and pictures of security footage from my home proving that I was at home at the time of the purchases. The representative I spoke to gave me fax # XXXX to submit these documents but said even though I went out of my way to try and prove it wasn't me, I would probably not get my money back and it would be very unlikely that it would be taken care of.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX changed of two different accounts on my credit report. Ive have called this company numerous of times about this fraudulent accounts and they keep telling me these accounts are accurate. They have sold these account to two different debt collectors but XXXX XXXX XXXX and XXXX  XXXX XXXX is still shown on my credit report. They are violating my rights using 15 usc code 1681 to a fair and accurate credit reporting.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below. 
US DEPT ED XXXX Balance Owed : {$1800.00} US DEPT ED XXXX Balance Owed : {$1100.00}
Product: Vehicle loan or lease

Dear GMFNANCIAL, I am writing to formally dispute the late payments reported on my auto loan account. According to the Truth in Lending Act ( TILA ), specifically 15 U.S. Code 1666b - Timing of payments, late payments are not permissible when a finance charge is involved, as long as the payment was made within the grace period specified in the agreement. 

As finance charges are applied to my account, I request that you immediately investigate this matter and remove any late payment entries that do not comply with the provisions of TILA. Please confirm the correction and provide me with an updated account statement. 
Thank you for your prompt attention to this issue. '' GMFNANCIAL - XXXX
Product: Checking or savings account

I receive citi bank promotion on XX/XX/2021, they said if I opening a interest check account before XX/XX/2021 and deposit {$50000.00} within 30 days after opening the account, and maintain 60 days, I can receive {$700.00} bonus. 

So I opening a interest checking account on XXXX and deposit over {$50000.00} on XX/XX/2021, maintain the amount until today XXXX, 2021, they do not give me the {$700.00} bonus. 

On XX/XX/XXXX, XXXX chat with one of citi agent and ask when I can get the bonus, he checked and said I should get the {$700.00} no late than XX/XX/2021. 

So I wait until today there is no bonus deposit to my account, I chat with another agent today, she checked and told me I should call citi one stop sales unit phone number XXXX. 

After I call them, one lady she checked and told me I am not qualified for the {$700.00} bonus because I didn't make fund deposit with 30 days. 
The fact is I did what they required, and other agent already told me to wait until XX/XX/2021 to receive the bonus, now she just simply told me I am not qualified.
Product: Debt collection

I had two medical bills from an incident that happened a few years ago. The hospital in question told me I would not be charged at all, then, instead of sending me a bill, sent two different amounts directly to collections. I disputed them and they were removed from my credit report, then a different debt collection agency, Debt Recovery Solutions , LLC, somehow got a hold of these amounts, {$890.00} and {$64.00}, respectively, and they appeared back on my credit report. I disputed them again and they were again removed after finding to not be amounts I actually owed, and they once again reappeared on my credit report even though they'd been disputed and removed twice. I've tried disputing them again, which just prompted the collection agency to send me a letter telling me I owed them, and they remain on my credit report. They call me constantly all day and night, and a few times earlier or later than legally allowed. I do not owe this money and want them removed from my report, as well as this company to stop calling me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX accounts In accordance with the Fair Credit Reporting act  XXXX  accounts, XXXX XXXX XXXX XXXX  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.
Product: Credit card or prepaid card

I have received a prep paid debit card from XXXX a money. I have never applied for it and dont want it associated with me. Cant get anybody at brink so money to answer.
Product: Payday loan, title loan, or personal loan

I took out the loan for {$10000.00} in XX/XX/2022 with an APR of 27.67 %. I suffered a significant loss in income and worked out a 3 month hardship with them. But they are unwilling to do more. I am not able to repay on their terms. 

It appears they are exceeding usury and this is predatory and abusive lending. All I want is reasonable terms to repay the debt.
Product: Credit reporting or other personal consumer reports

I contacted the credit bureaus to dispute inaccurate addresses and dates of birth, but they have failed to update and change this information after I submitted documentation. 

Incorrect addresses : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX pl XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX. XXXX XXXX XXXX XXXX tx XXXX XXXX. XXXX XXXX XXXX pl XXXX ok XXXX XXXX. XXXX XXXX XXXX XXXX XXXX ok XXXX Correct address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX Incorrect DOB : XXXX. XX/XX/year> Correct DOB : XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns withe recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transaction.
Product: Checking or savings account

I had an unauthorized charge on my card. I reported to the bank and company. I filed a complaint with CFPB. Bank credit my account then two months later without noticed reversed the charges over drafting me account. Bank is charging overdraft charges and deducting the unauthorized amount from my account. 

Spoke with company that charge my card XXXX, they said they refunded the money to my card in early XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX lowered my credit limit based on this reporting agency 's ( Innovis ) report and it is significantly lower than all the others and they refused to provide me with an actual copy of the report and the reasons for lowering my score.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFFB lawsuit highlighting significant issues with the platform.
Product: Debt collection

I am a victim of identity theft. I recently learned that my personal information was used to open an account at NCA and XXXX you represent. I did not open or authorize this account with this company or any other company they represent, and I would like to ask that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account and take appropriate steps to remove information about this account from my credit files. Also, NCA never even sent me notice of the fraud account or else they would have already known that I was a victim of identity theft and this account is a result of thereof. Additionally, any reporting of a debt to the credit bureaus before allowing me to validate it may violate the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent.