23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

XX/XX/2023 I made payments to Sams Club ( Synchrony Bank ) for my credit card. However I started receiving messages about auto paying on the account. I never set up autopay and then received a letter stating that my accountis closing due to failed autopay payments. The website automatically created auto payments when I did not request it causing my account to show that my auto payments failed to an account that was no longer mines. 
I called the bank to request reinstatement of my account. The agent tried and then advised me to write to the general box. I have written to the company and still have not received a response but I still have been making payments to the account. 

15 USC 1681 Section 602 States that I have a right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account.

15 USC 1666B : 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, credit repair services, or other personal consumer reports

This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus XXXX  shows XX/XX/XXXX, Experian shows XX/XX/XXXX and XXXX  has XX/XX/XXXX. Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. 


Account Name : DEPTEDXXXX Account # : XXXX Account Name : US DEPT ED Account # : XXXX
Product: Credit reporting

I am having an ongoing issue with Experian. Someone used my personal information to obtain credit in XXXX Colorado using a fraudulent address. They were successful in opening up an account with XXXX Account number XXXX. I filed a police report and sent it to Experian and they successfully blocked the account but later unblocked the account saying that they received information from the creditor that it was reporting correctly. They disputed the account and the account was removed from the file later it appeared again. I called XXXX and spoke to XXXX at phone number XXXX and she told me the account was flagged as fraud already and that Experian was notified to remove the account yet experian has not removed the account from my file. I contacted experian today and they did not want to help me. I am stuck in the middle of a horrific situation and experian has not removed the fraudulent addresses in XXXX coloredo from my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive submitted dispute letters regarding two separate accounts to Transunion on inaccurate and outdated information. The first letters were sent in XXXX of XXXX, followed up in XXXX of XXXX. It has been well over 4 months. 

One for XXXX the other for XXXX. 
XXXX they are reporting " At least 12O days PAST DUE. '' THIS ACCOUNT IS PAID IN FULL AND CLOSED. Needs to be corrected to PAID. 

On XXXX - Two-Year Payment History : Reporting outdated history that is more than two years old. 

There has been no response or indication that an investigation was even started. 
Ive attached letters and copies of my credit report on both accounts.
Product: Debt collection

Good Day In checking my credit report with XXXX I noted that Midwest Recovery System is attempting to collect a {$760.00} debt for VIP Cash. I am not familiar with either of these companies and in XXXX I found it to be a payday loan. I did not take out any payday loans and their practice of placing such a debt on my credit report without proper notification is not only improper but false. I am asking for assistance in getting this item removed from my report and their seeking to collect on a debt that is not only illegal in XXXX but that is not mine. Thanks
Product: Money transfer, virtual currency, or money service

I transferred {$8300.00} to my bank account and i saw that someone changed my banking information. there was no was to call the company so i messaged them. they said the account was changed in 2015. i never noticed the change because i was hardly using the service at that time. they said there is nothing that they can do for me. I dont have any idea who this account belongs to. transaction number is XXXX and the case number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$20000.00} XXXXXXXX XXXXXXXX Balance : {$20000.00} XXXX XXXXXXXX Balance : {$20000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

For years I have been disputing items on my credit report specifically social security numbers that are not mine additionally to creditors that do not belong to me. I just found out that there is almost $ XXXX in collections that doesnt belong to me that has affected my credit score. I am constantly disputing things on my credit report but they keep on putting other things not mine back on. I have this problem with all 3 credit  bureaus. Also because of incorrect information I have a hard time getting my annual report some times.
Product: Checking or savings account

I provided my social security number and opened a new checking account with Chime.com ( https : //www.chime.com/ ) on XX/XX/2021. 

Immediately, I received a welcome email stating that my account had been opened successfully. But then the very next day when I tried to access my account online, it stated that my account has been locked and I should email XXXX to unlock it. 

It never provided any reason why the account has been locked. I never received any kind of email, or was contacted in any other way, with any kind of explanation at all. 

Following their instructions, I emailed XXXX on XX/XX/2021, asking them to unlock my account. But I received no response whatsoever, no even an acknowledgement that my email has been received. I emailed them again on XX/XX/2021. But thus far, I still have not received any kind of response from Chime. 

I am beginning to suspect that Chime may be just a scam to get my social security number and personal information, and is not a valid, trustworthy banking institution at all.
Product: Debt or credit management

I set up my payment method on autopay after which there was in authorized withdrawal from my account where I had to cancel my card after which I was out of state working so I was not getting any mail or anything about my account not being paid. With this being said I was unaware of my debt not being paid up to date and as soon as I found this out I got it resolved and my payment was settled
Product: Checking or savings account

I was assaulted, robbed and hospitalized on XXXX XXXX. Wells Fargo states if going through a hard time they will help. They made it worse. I made an appointment around XXXX XX/XX/year> to talk to a banker. He said I could close my account. That was it. I filed XXXX escalated complaints and was contacted by XXXX from XXXX who offered absolutely no help. XXXX reduced XXXX overdraft fees. Of which total well over {$200.00}. Nothing was done or adjusted
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 XXXX  XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX  XXXX Account Number:XXXX has violated my rights. Or a 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: Debt collection

Someone reopened an old account that was supposed to be closed to generate a bill. I don't owe {$500.00} to XXXX or any of its partners. I don't not owe any amount. My account is current and paid up to date.
Product: Checking or savings account

My car was broken into in XXXX, resulting in my Chime debit card being stolen and fraudulent transactions being made. I filed a dispute with Chime in XXXX, and was told it would take approximately 90 days for a result. On XX/XX/XXXX, I called again for an update on my dispute. I was informed the dispute was denied in a day, proving the company didnt have enough time for an adequate investigation. I asked the representative to reopen my dispute, and she agreed to. I have email documentation where I sent chime support the police report numbers again. Today is XX/XX/XXXX, and I called for an update to be informed my case was never reopened. It has now been 3 months since almost every dime was stolen from me, and they are refusing to cooperate on reimbursing the stolen money.
Product: Mortgage

In XXXX Wells Fargo transferred servicing of my mortgage twice and then claimed it had " no interest '' in my mortgage. I complained to CPFB at the time that this was an effort by and between Wells Fargo ( a well documented criminal organization ) Loan Servicing and XXXXXXXX XXXX XXXX to steal the equity I had built in the house by falsely claiming I had missed a payment, charging late fees and putting my loan in delinquencey and attempting a foreclosure. They failed but the damage to me was done in that I was charged extra at closing to sell the house based on the criminal falsehood that I had missed a payment ( your file should contain copies of proofs of payment from my bank sent certified to these companies ). So I paid extra ( was robbed ) at closing in XX/XX/2020 and had my credit ruined for like three years. 

Now I have in hand an admission from Wells Fargo in the form of a {$200.00} check ( No. XXXX ) that arrived with no explanation dated XXXX. The memo says cryptically " For XXXX XXXXXXXX ''. Please note " XXXX '' was the street address of the mortgaged property. Why would WF send me a check for {$200.00} some 3 years after it asserts in writing in your files that it " no longer had any interest '' in the mortgage? 

This has to be an admission to some past crime or other violation of my rights I tried to have vindicated back then. I am not accepting {$200.00} is settlement of their violations. Please investigate and advise what this check is supposed to represent. I will hold the check as evidence until my questions are answered ( along with the follow up letter from WF a month later urging me to cash the check. Thank you. 

XXXX XXXX
Product: Checking or savings account

I attempted to close my Wells Fargo checking account. I emptied the account. They decided to charge me a " monthly service fee '', which pushed the account into the negatives. I called to try to close the account, but they would not close the account because it is in the negatives. Now they are XXXX me with an overdraft fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my state, All XXXX credit reporting agencies are trying to charge consumers for a credit freeze. That 's insane. Especially for XXXX to be profiting off their own failure to protect data we never had the option to hide from them. You need to provide a method for all consumers to go to a centralized website where they can freeze their report at all XXXX companies, for free. 

Until that system is in place these agencies should be barred from charging these fees, and they should be forced to make the freezing process accessible and not hidden behind a series of attempts to sell credit monitoring. 

Additionally, I have tried to freeze my report with XXXX and the site was down. This is completely unacceptable when half of the population just had their financial information compromised.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently was in the pricess of buying a home and found the following unauthorized inquiries on my credit report. I immediately contacted the companies that reported the inquiries on my account. I was unable to get my issues resolved with the reporting companies. 
The following inquiries are fraudulent and need to be removed from my report immediately. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  open account. With out the letter of approval from my XXXX XXXX XXXX XXXX  And XXXXXXXX XXXX same problem. I will be having the cfbp sending this to all legal departments and the credit card company and there legal departments
Product: Credit reporting or other personal consumer reports

I was never aware any issues with XXXX or charges to my checking account. 
I dont rent cars. Verification that I was neither the renter nor a responsible party on the rental agreement ok contract. 
I never authorized use of my card for this rental payment, Im not financially responsible for this rental through XXXX. 
Following my investigation, Ive found that XXXX XXXX XXXX XXXX  issued a refund for this overcharge to my adult daughters separate account. 
XXXX frequently overcharges customers after rentals, especially during the pandemic, as my daughter is pursuing a lawsuit against XXXX for many fraudulent acts, unlawful actions, and violations. 
After XXXX XXXX XXXX XXXX  issued my daughter the refund to this overcharge that she disputed and provided proof of, months later and by way of a deceptively surreptitious recharge using an expired old hold authorization, XXXX file to have XXXX XXXX XXXX XXXX  reissue this money. 
My daughters separate checking account had been closed for months already. 
XXXX used an unlawful practice of using old gold authorizations and XXXX XXXX XXXX XXXX  allowed XXXX undue unlawful overcharge to be kicked back to my separate account. 
I had no way of knowing this since I didnt use this account except for auto payments on my car loan for my personal vehicle. 
XXXX XXXX XXXX XXXX  listed this as account abuse, but the fraudulent and abusive actions have been surreptitiously committed by XXXX and XXXX XXXX XXXX XXXX. Im not responsible for this. I only became aware of the wrongful and erroneous collections account posting defamatory and damaging claims of account abuse against me., after denial for a bank account that lead back to Chex Systems. 

I contacted Chex Systems three separate times, all of the times providing my ssn, license number, address, name, and uploaded my ID. Chex Systems outsources our calls to XXXX and the personnel told me no need for my American laws under the Fair Credit Reporting Act passed by XXXXongress, as I quoted 15 USC 1681, 1682, 1666, and 1692. I recorded all my calls and my witnesses listened to. 

This needs to be immediate removed. This charge has absolutely nothing to do with me. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX MD has been a nightmare and I closed out my accounts with them by refinancing elsewhere. I am filing this complaint with MD XXXX, FTC as well and a lawsuit if necessary. My credit was an XXXX when I first dealt with XXXX XXXX XXXX XXXX. This action is very damaging to me and its baseless and spiteful. XXXX XXXX is is why I left XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Hello! I noticed a hard inquiry on my credit report through Experian on XXXX, placed through XXXX XXXX. I have not requested any services through XXXX XXXX, and I believe the request to be fraudulent. There have been no other requests/charges to any cards. I am planning on contacting Experian when they open on Monday for further steps. I have tried contacting XXXX  XXXX but did not want to give my SSN over the phone, particularly in light of the request and without clear knowledge of the dispute process ; I will attempt to contact them again as well. 
Thank you so so much for everything, if there is anything else I can do or any information I can provide please let me know! 
Thank you! 
- XXXX XXXX
Product: Mortgage

Over a period of a year I attempted to modify my mortgage loan by submitting documentation to Wells Fargo. On the pay before the Foreclosure Sale, Wells Fargo denied the modification request because the utility bill for the home had been mailed to the P.O Office Box. The utility service address on the utility bill is the address for my home. The P.O. Box is the address on my Wells Fargo account. For verification purposes, Wells Fargo has always verified my I. I. by requesting the information on my mailing. address
Product: Vehicle loan or lease

I tried to apply for a new car loan through chase bank for a XXXX XXXX. I had a previous auto loan with them which I paid off. My husband died in XXXX. But my current income us {$3200.00}. Chase has denied me for a new loan and most car finance companies require a stable income of {$2000.00} a month. My income is a stable amount of {$3200.00} a month. I am being discriminated against.
Product: Consumer Loan

I got a tittle loan with 800 loan mart for {$2500.00} on a Volvo xc70. After making timely payments est of {$250.00} a month for 4 months, i inform loanmart that i would renounce my interests and give them the car, that was XX/XX/2012. Loanmart picked up the car and auctioned it off. They sent me a settlement offer of {$650.00} XX/XX/XXXX and i refused. they wrote the car off as a chargeoff. In subsequent years they would annually send me a settlement request, each time the amount would increase because of the outrageous interest fees, that apparently, still compounded. loanmart has been erroneously reporting my account to XXXX and XXXX. They now show my balance in the excess of {$7000.00}! 

They are using this exorbant fee to try and ruin my credit by showing that my credit utilization is way passed XXXX %. This is a form of extortion
Product: Credit card

In the Chase app the bank promised me a {$200.00} XXXX gift card. But I never received the gift card. Chase tells me to contact XXXX and XXXX refers me back to Chase. It's back and forth and no one wants to own it. This is Chase responsibility because they communicated to me in their app informing me they were giving me a {$200.00} XXXX gift card. 

I am uploading a screenshot of the communication I have with Chase promising me the {$200.00} XXXX gift card. Also a screenshot of my XXXX gift card transaction history to prove I never received the gift card.
Product: Money transfer, virtual currency, or money service

At XX/XX/XXXX, I made a wire transfer through a HSBC branch to an Escrow company 's XXXX XXXX XXXX account, the amount is {$8000.00}, until XX/XX/XXXX, the escrow still didn't get the money, then I requested to withdraw this money, as of today, still didn't get any update from HSBC, I called them everyday, then everyday they just told me they are waiting response from their back-end department.
Product: Debt collection

I recently found out that XXXX XXXX XXXX filed a lawsuit against me in Virginia where I do not live on behalf of Synchrony Bank. I was not served to appear in court and I knew nothing about the court dates. I do not live in Virginia. In addition, the debt they are trying to collect is outside of the statute of limitations in North Carolina where I live which is 3 years. I have disputed the information but they ignore my demands for proper handling of my account. I have not been sent any information. This can not be legal.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate removal of certain inquiries from my consumer report that I believe to be inaccurate and potentially harmful to my credit profile. I have identified multiple inquiries listed below that do not comply with the Fair Credit Reporting Act ( FCRA ). 

Inaccurate Inquiries : XXXX XXXX XXXX XXXXXX/XX/XXXX ( Experian ) XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( Experian ) XXXX XXXX XXXX - XX/XX/XXXX ( Experian ) XXXX XXXX XXXX - XX/XX/XXXX ( Experian ) XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( Experian ) XXXX XXXX XXXX XXXX XXXX Experian ) XXXX XXXX XXXX - XX/XX/XXXX ( Experian ) XXXX XXXX XXXX - XX/XX/XXXX XXXX Experian ) XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ( Experian ) XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( Experian ) XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ( Experian ) XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ( Experian ) XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( Experian ) XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( Experian ) XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ( Experian ) Under the FCRA, I have the right to dispute any inaccuracies on my consumer report. I believe that these inquiries do not reflect my actual credit activity and should not be part of my report. If these inaccuracies are not resolved, I intend to pursue legal action as permitted by the FCRA. 

Failure to Provide Notice : I was not provided with proper notice of these inquiries as required under the FCRA. I should have been informed whenever a creditor requested my credit report. 
Unauthorized Inquiries : I believe some of these inquiries were made without my consent, violating my rights under the FCRA to have control over who accesses my credit information. 
Inaccurate Reporting : The inquiries listed do not accurately represent my credit activity, leading to a misleading portrayal of my creditworthiness. This has caused potential harm to my credit score and my ability to secure financing. 
Inquiries Not Related to Credit Transactions : Some of these inquiries appear to be for purposes unrelated to credit transactions, which is a violation of the FCRA guidelines regarding permissible purposes for obtaining a consumer report. 
Failure to Investigate Disputes : If I disputed any of these inquiries previously, I did not receive a satisfactory investigation or response from the reporting agency, which is a violation of my rights under the FCRA. 
Retention of Inaccurate Information : The continued reporting of these inaccurate inquiries violates the FCRAs requirement to ensure that all information in a consumer report is accurate and up-to-date.