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

I obtained a copy of My credit report through Experian. Unbeknownst to me there were Unauthorized Accounts on my report that I did Not sign for. I am a victim of identity theft already reported to the FTC. My identity information was used to get state Identification, cars, phone, internet etc. I have been able to remove mostly everything accept the lease and or auto loan with XXXX that I did Not Authorize. I need this removed immediately, according to the FCRA all credit bureaus duty are to report 100 % accurate and honest reports.
Product: Checking or savings account

Chime financial went behind my back and intercepted my XXXX data breach settlement from the XXXX XXXX breach in XXXX  before I was even a customer of chime financial that my information was leaked on not chime they tried to force me into letting them pay on a debt that I'm a victim of with their partner XXXX XXXX XXXX XXXX Oklahoma XXXXXXXX XXXX  would not even talk to to me and chime as usual don't speak at all they like to you and tell you they are going to figure out what is going on then either HANG up on you or they leave you on chat telling you they will return and they never ever come back I personally left my app open all night one night to prove it they ga to e hung up Mr so many times and claim they are to report it and have representative apprehended but I know that is a lie as well they change my account agreements on me daily and don't even tell me they change them when they get my rights thrown up in the mix and I make a legal stand point they change my account agreements into all capital letters and yesterday they close my account on me and they are trying still to force me into letting them keep that settlement in the XXXX XXXX  account for credit builder card they claim it for the funding of that card but I have no available credit and if they were going to use it for my credit builder account I would have credit on it I have a XXXX balance on that card and the money I had put up in my savings for my rent and my electric they say they credited it to my debt and after filing the first complaint on XXXX XXXX XXXX that reopened my accounts and I still didn't have my rent and electric money back they won't talk to me they are saying in need to set up direct deposit my direct deposit XXXX XXXX  changed I told them that they said when I get my my next deposit to transfer funds into my credit builder account to fund that account well if that still the way it works then why are they hiding my settlement money from me without my permission over a XXXX  I have disputed to them several times they do not talk to me and they are telling the people that stole my identity the last time they attached to my chime thru the XXXX XXXX deal it's part of there's app and they let them set up and account in California in my name attached to my I have tried to to stop this so many times I'm getting a lawyer after chime I'm done app in my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had an SSN number and a credit card/cards for a year and 9 months now. XXXX  and XXXX have updated my credit score. Yet Equifax hasn't updated my score at all! I applied for an Auto Loan to buy a car immediately as I had moved to a different state. To my shock, they told me that my Equifax score was null and gave me an extremely high interest rate. When I called Equifax earlier today, the first guy said nothing can be done and hung up. When I called a second time, they said I had to mail copies of all my documents such as my SSN, passport, credit card statements or whatever to some address and wait for them to change it and just hung up on me. This is just pathetic and its costing me hundreds of dollars to commute to work. I just moved from XXXX to XXXX and this is my most unpleasant experience in the US. I guess this is expected from a organization which only last year, got hacked and exposed its customer 's confidential details to criminals. Thanks a lot for ruining my week Equifax!
Product: Credit card

I have contacted Citibank at least eight times since XXXX XXXX regarding errors on my credit report. Initially, Citibank responded stating I needed to contact the XXXX credit bureaus about my problem. I did as Citibank instructed and received XXXX letters stating Citibank was basically at fault and would need to correct their error. I then wrote several more letters to Citibank, including a letter to the legal department " demanding '' these errors be corrected. Citibank sent me XXXX letters on XXXX/XXXX/XXXX, one letter on XXXX/XXXX/XXXX and one letter on XXXX/XXXX/XXXX, which stated they would correct the errors and it would take up to 30 days to be reflected on my credit reports. Today is XXXX/XXXX/XXXX, and my credit reports are still not accurate. I have spent many hours on this problem ( at least 15 ) and nearly {$20.00} in postage for the various letters sent to Citibank and XXXX credit bureaus. This is not right! I 've been a loyal customer for 21 years ( XXXX ). My credit report needs to be corrected. I also am " demanding '' {$5000.00} in compensation for my time and the financial resources spent attempting to resolve this matter informally. I have PDF scanned copies of all the letters I have sent to Citibank and XXXX Credit Bureaus and would be happy to share those with Citibank as proof. The dates of these letters are : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX ( x3 ), XXXX/XXXX/XXXX ( x2 ), XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. Also, my credit score continues to suffer and has suffered for over a year due to Citibanks inability to solve this simple problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained my credit report online. There was a U S Bankruptcy Court item listed on my credit report. Per the FCRA 623 ( a ) ( 5 ) : If the credit bureau can not validate the information with the original creditor, the must remove said information from the consumer credit file. 
The US Bankruptcy Court does not provide information to credit reporting agencies, no do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or third party providers who collect information regarding public cases from public records. Public records information is never validated by the Recorder of Deeds nor the U S court system due to the Fair Credit Reporting Agency Privacy Law. 
They further stated while they are not liable or responsible for any misuse or incorrect pulbic records, nor the distribution of said information, public records may, and often times are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all bankruptcy information currently showing under my social security number to be permentantly deleted from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached XXXX XXXX XXXX XXXX application. The application was incomplete on XXXX and credit report was pulled on XX/XX/2017. The application was incomplete and wasn't to be processed as stated at top of application. I talked with a lady at XXXX XXXX XXXX President office today. She was adamant that application was complete even if undated. Unbelievable! I also filed a XXXX XXXX XXXX complaint. XXXX  XXXX is impossible to contact. XXXX XXXX will, as usual, label this complaint as a duplicate. I am relying upon Experian and XXXX to answer this complaint..
Product: Credit reporting or other personal consumer reports

In according to federal law act this company XXXX XXXX, has violated my rigths under According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " 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, 15 U.S. code 1631a ( 2 ) ( Ai ), a consumer report does not include information solely as to transactions or experiences between the consumer and the person making the payment. I also understand that according to federal law 15 U.S. code 1666b ( a ), a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Charge off accounts are considered, certificates of indebtedness, pursuant to I.R.S publication 4681 and it is now considered income and income can not be reporting on my consumer credit report, pursuant to Privacy act of 1974.

The Privacy Act of 1974 is a federal law that protects individuals from the misuse of their personal information by the federal government. The act 's main goals are to balance the government 's need for information with the rights of individuals to privacy. 
The Privacy Act of 1974 : Protects individuals : The act protects individuals from the collection, use, maintenance, and disclosure of their personal information. 
Requires notice : Agencies must notify the public of their record systems. 
Requires consent : Agencies can not disclose an individual 's record without their written consent. 
Provides access : Individuals can request access to and changes to their records. 
Establishes record-keeping requirements : The act sets forth requirements for how agencies keep records.

IRS Publication 4681 Canceled debt : If the abandoned property secures a debt for which you are personally liable and the debt is canceled, you will realize ordinary income equal to the canceled debt. This income is separate from any amount realized from abandonment of the property. You must report this income on your return unless one of the exceptions or exclusions described in chapter XXXX applies.
Product: Credit reporting or other personal consumer reports

I have XXXX accounts that were incorrectly reported as XXXX  days late for the month of XX/XX/2023. These XXXX accounts are my XXXX XXXX  accounts both have account numbers XXXX. I have already verified with the creditor that these were reported incorrectly. They have already notified the XXXX major credit reporting agencies. XXXX, XXXX, Experian have not corrected the XXXX  day late payment status for XX/XX/2023 to on time please reach to XXXX XXXX  to confirm this correction of the late status on both accounts to report a on time payment status and correct this incorrect reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

I called and spoke with a customer service agent there at Transunion explaining that my identity has been stolen and some has gotten a car and a ton of inquires using my identification information. The representative told me that this information could be deleted once they had an identity theft report sent to them. I have not received anything from this company neither have I applied for anything from them. I have no idea who has used my information.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, I dropped six ( 6 ) money orders in the drop box of the post office located on XXXX and XXXX XXXX in XXXX, MI. About two weeks later I started getting calls saying my notes were behind. I checked with MoneyGram and discovered that at least one of the money orders had been cashed on XXXX XXXX. I called MoneyGram again trying to see what my next step should be, and they informed me that all of them had been cashed. I was told that I needed to get a photocopy of each money order even though I had all of my receipts before they could investigate and even then, they could not guarantee I would get my money back. Each photocopy came with a cost of {$18.00} which I can not afford. It is my belief that the money orders were stolen from the drop box, and someone should be held responsible. I sincerely hope you will be able to help me.
Product: Checking or savings account

In XX/XX/XXXX, I noticed a charges on my account totaling {$380.00}. I submitted a claim to Navy Federal Credit Union, they gave me a provisional credit, and then reversed the credit which cause me more financial harm. It caused my account to go into overdraft, so when my direct deposit was placed in my account, it took everything, which caused for me not to be able to pay my car insurance, my policy was canceled, and I have to pay another fee to get my insurance restarted. 

XX/XX/XXXX, I received an email that someone hacked into my account and added themselves to my account to transfer money. They made 2 transactions. One was for {$200.00} and the other one was for {$280.00} totaling {$480.00}. I was out of town so I sent an email immediately and told NFCU that I did not authorize these transactions. It has been over a month and there still has not been any resolution to my claim. 

XX/XX/XXXX, I was looking over my accounts and I noticed a {$2000.00} charge from XXXX XXXX sales that I did not authorize. I asked my brother about it and he admitted to taking my card and making the purchase. I did not authorize this transaction. 

I have emailed the XXXX XXXX XXXX several times, and there still has not been any resolutions. I have been an victim of identity theft, someone has my information and it seems that they can get access to anything that I have. I filed a police report this past XXXX regarding this. 

All of my claims has been denied, I filed appeals and they were denied. I asked for a copy of the documents and evidence that was used to determined that these charges were authorized, and I have been denied the paperwork. I have even asked the fraud department, to ask the merchant, do they had video of me in their establishment making these transactions, and was my pin used, etc. They will not help me.
Product: Credit card or prepaid card

I have an Amazon rewards credit card through chase bank, my credit card payment was due XX/XX/2022. I made a payment on the chase app via my phone on XX/XX/2022 for {$600.00}. Chase bank did not attempt to process the payment for 7 days. My account was no longer sufficiently fulfilled to make this credit card payment so the payment was returned. On XX/XX/2022 I opened the chase bank app to make my payment that was due 12 days prior only to find out my account had been closed. I called chase bank and spoke with a representative who agreed that my account should NOT have been closed and she stated she was forwarding the complaint to the reinstatement department. 

On Friday XX/XX/2022 at approximately XXXX I received a call from a woman by the name of XXXX XXXX XXXX proceeded to tell me my account could not be reinstated. When asked why XXXX gave several different responses. First XXXX stated it was due to returned payments, then XXXX stated it was due to the card being {$56.00} over the credit limit. When I mentioned the card was over limit due to interest accruing she stated that my account was closed because of rapid increase I asked XXXX what does raid increase mean and she stated it means aggressive spending I asked XXXX if I was being penalized with a closed account because I was utilizing my available credit, to which XXXX stated yes. 

It is a violation of the CFPB to penalize a consumer for utilizing available credit. This account never reached 30 days past due. Im extremely concerned at the unchecked power and control these companies and their employees have over consumers and their credit profiles.
Product: Debt collection

I never owed this company nor did I sign anything for them to try to collect this debt. This company creditone llc is reporting a debt that another company has reported thus doubling the amount that is being reported on my credit report causing it to drop my score and create financial hardship.
Product: Consumer Loan

I have been in the hospital. I can not pay my Discover credit Card.
Product: Credit card or prepaid card

Dear Sir or Madam : I am writing to inform you about fraudulent credit card charges on my Barclay 's business credit card. There were 26 fraudulent charges from a fake merchant ( XXXX XXXX ) totaling {$12000.00}, beginning on XX/XX/2022 and ending on XX/XX/2022. On XX/XX/2022, I reported this to Barclays immediately upon recognizing the fraud charges. 

I have never done business with XXXX XXXX. I did not authorize these charges. This is a fake merchant with fraudulent charges applied to my credit card. I do not have a XXXX account with the account number listed in these charges ( XXXX  XXXX ). 

Shockingly, Barclays fraud protection did not recognize grossly abnormal charging activity on my account involving 10 charges on the same day ( XX/XX/2022 ) for the same amount ( {$500.00} ), 7 charges on the same day ( XX/XX/2022 ) for the same amount ( {$500.00} ), and 6 charges on the same day ( XX/XX/2022 ) again, all for the same amount ( {$500.00} ). Barclays failure to act to protect my account against blatant and extremely repetitive fraud charges is gross negligence and a failure to protect this account holder. 

My attempts to rectify this fraudulent activity have fallen on deaf ears at Barclays. Despite calling every day to ask for help and repeatedly report the fraud charges, each time I am transferred to a department that has me start over with my reporting, providing no solutions nor answers as to why Barclays allowed me to fall victim to this theft, and enacting no remediation. I have called for 8 days in a row and my account still shows all of the fraudulent charges present and the balance due this month does not reflect removal of these charges. 

I am a XXXX that began my house call practice as a XXXX XXXX XXXX XXXX XXXX XXXX in XXXX. This Barclays card is my primary business credit card which I place XXXX XXXX+ in business charges on every year for my XXXX XXXX  expenses. This fraud has put my business at risk and Barclays has not done due diligence to recognize and prevent this illegal activity, nor has Barclays provided a timely resolution and correction. 

I welcome a representative from CFPB and Barclays to contact me directly to inform me of the immediate resolution of this fraud and removal of the 26 charges totaling {$12000.00}. Please investigate this matter and help me to correct the billing error.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX : {$20000.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$20000.00} XXXX  XXXX XXXX Balance : {$250.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX FIN XXXX Balance : {$20000.00} XXXX XXXX Balance : -
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding discrepancies in the credit reporting of my accounts with XXXX XXXX, specifically the accounts numbered XXXX, XXXX, and XXXX. The reporting of these accounts violates the Fair Credit Reporting Act ( FCRA ), as the information is inconsistent and inaccurate across my credit reports. 

Under 15 U.S.C. 1681i ( a ) ( 1 ), credit reporting agencies are required to investigate and verify any disputed information within 30 days of receiving a consumers request. Despite my efforts to dispute the negative information related to these accounts, the accounts have not been properly verified or corrected, in violation of the FCRAs standards for accuracy. 

Specifically, the balance discrepancies and late payment history reported for these accounts are inaccurate. Given that these discrepancies are substantial and the accounts have not been properly verified, I respectfully request that the entire XXXX  XXXX accounts ( XXXX, XXXX, and XXXX ) be deleted from my credit reports in accordance with 15 U.S.C. 1681e ( b ), which mandates that credit reporting agencies ensure maximum possible accuracy in the information they report. 

Thank you for your attention to this matter. I look forward to your prompt resolution of my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

The list of information and inquiries was reporting inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that informations are constantly reporting and causes negative impact on my credit. Therefore, TransUnion Bureau did not take any action to remove the incorrect information and inquiries listed below : Incorrect Name : XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX EMPLOYER : XXXX XXXX  Date Updated : XX/XX/XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX Inquiries XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX
Product: Debt collection

This company is reporting a an account that is not mine - I have tried to get this situation handled with the company on several occasions and it has been unsuccessful!
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent mail included a copy of my driver 's license, social security card, and a utility bill to Transunion XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to XXXX XXXX XXXX ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an accounts for XXXX  XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. This has cause me great anxiety, stress, and financial hardship. 

I also am disputing XXXX collections account that I have no services with that is reporting inaccurately on my credit report. 

XXXX XXXX # XXXX XXXX XXXX  # XXXX Please all accounts from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the creditor, SYNCB/JC Penny XXXX has violated my rights under 15 USC 1681. Section 602 states I have the right to privacy ; 15 USC 1681 Section 604a section 2 it also states that a consumer reporting agency can not furnish account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.