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

I filed a dispute for unauthorized transactions with bank of a america on XX/XX/2022. For {$6000.00} multiple claims they said they had to in order to file the claim. So it was split up {$3000.00} and {$3000.00} I got a 7 day investigation when they advertised up to 10 business days. Was told claim not paid and will not be paid i want to sue this company. It has been a full 30 days of me just getting the run around on why I was told claim not paid to transactions I didn't authorize I have been evicted from my home couldn't pay my catlr note couldn't pay my phone bill all my resources was in the money that was stolen from me. Bank of america ask of me to send in any proof I have that could help them re open the claim there a huge scam. They allow u to bank with them but when your money is stolen due to you loosing your card depending on the amount of cash they won't investigate it properly as there policy says I got 10 days investigation on {$180.00} claim before this XXXX claim they also provisional credited the XXXX to my account on the 10 business day of that claim. So how does XXXX only go 7 days on the investigation in return also the customer loses there claim its not paid then there's no way to take action and get my money back it's just gone. 
I have attached a bank statement showing my account in standing of {$7000.00}. So you can see I clearly have been robbed of my claim for $ XXXX bank of america XXXX 
Here 's the claim numbers XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

4 independent complaints filed via this site. 

Vehicle lease from JPMC XXXX XXXX was reporters past due in error by JPMC for months in XX/XX/XXXX. Long story short they were unable to find the source of the problem causing account to show past due. 

Months later JPMG offered to take back vehicle early and delete credit profile from record as a concession. This was accepted abs vehicle returned XX/XX/XXXX JPMC has failed to update and remove from record as promised. 

I have attempted 16 times to escalate this matter to XXXX XXXX manager at Chase with no success. My calls, emails abs written communication is not responded to. This has been going on over a year with no resolution. 

Account should reflect closed and paid or be removed all together from my credit files.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/ I filled out a prequalified form to get loan but was denied reasons where too many inquiries and recent open accounts. XXXX credit report was pulled, however I obtained a copy of my XXXX report and also spoke with XXXX and the information gave for my denied is false, I then contacted them and after they investigated the issue they advised me that their system gave a false denial but they can not do anything about it because they claim this never happened before,
Product: Debt collection

Synchrony Bank had charge off the account on XX/XX/XXXX and I contuined to make seven addition payments after the account was charged off on the amount of {$150.00} that were never included as part of the payments but the money was never returned. 

Payments collected after charge off date : 1. XX/XX/XXXX - {$150.00} 2. XX/XX/XXXX - {$150.00} 3. XX/XX/XXXX - {$150.00} XXXX. XX/XX/XXXX - {$150.00} 5. XX/XX/XXXX - {$150.00} 6.  XX/XX/XXXX - {$150.00} 7. XX/XX/XXXX {$150.00} The account was sold to a collection agency. I have requested that Synchrony Bank to submit validation of the amounts paid under the Fair Debt Collection ACT ( FDCPA ), they have not answered and have refused my request. This is clearly a violation of the the FDCPA laws and my rights.
Product: Checking or savings account

I followed HSA Bank 's instructions on how to close the account and transfer my HSA funds to a new custodian. 

I sent the signed form to XXXX and the message did not bounce back. 

3 days later, on the phone, on XXXX, HSA Bank told me they can not find the transfer form and that they have not received it.

At this point, I don't see any way I can get my funds and prevent HSA Bank from starting to charge me maintrnance fees.
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. 
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 h

as 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 section 2 A. 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 a may make any consumer report containing any of the following items of information any other adverse item of information, other than records other than records of convictions of crimes which antedates the report by mored then 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: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The 3 Credit Reporting Agencies  have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. 3 Credit Bureaus have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Product: Credit card or prepaid card

On XXXX I paid in full my Amex balance of {$32000.00} which was due today XXXX. Despite having accounted for the advanced payment and updated the balance due to zero, Amex failed to update the e-bill sent to my checking account with XXXX XXXXXXXX XXXX. As a result of Amex negligence, XXXX XXXX XXXXXXXX paid again today {$32000.00} to Amex resulting in a very low balance of my checking account. I immediately called American Express and they were unable to refund me today. Not only Amex received my full payment in advance, it also charged me for the same amount even if the balance was zero at the time of the monthly due date. The Amex representative said that it will take 3 to 5 business days to get the refund. As a result, I will likely incur overdraft fees because my checking account is very low and have payments scheduled. Because this situation is only the result of Amex negligence, I would like Amex to 1 ) pay for any overdraft fees that may result from the balance of my checking account being low and 2 ) pay for the interests accrued from the time Amex received the additional payment and the time the refund posted on my checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to Equifax requesting that they correct this erroneous account being reported on my Credit File because they have been doing nothing! This complaint is to follow up my previous complaints and letters I submitted on XX/XX/XXXX and to inform them that I am halfway of taking legal action and sue them for their willful non-compliance of the FCRA statute. Only if Equifax chose to update and correct the account on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The account that should be corrected is : XXXX  XXXX Date Opened : XX/XX/XXXX Balance : $ XXXXLate/Open Late Dates XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/year>. 

Equifax Information Services, LLC XXXX XXXX XXXX XXXX, GA XXXX. 
Subject : Request for Name Change, Profile Merge, and Updated Credit Report Dear Sir/Madam , I am writing to request an update to my credit profile due to a recent legal name change. Please find my details below for your reference : Old Name : XXXX XXXX XXXX New Name : XXXX XXXX XXXX I kindly request the following actions be taken : XXXX. Update My Name : Please update my credit profile to reflect my new legal name. 

XXXX. Merge Credit Profiles : If there are separate credit profiles under my old name and new name, I request that they be merged into a single profile to ensure accuracy and continuity of my credit history. 

XXXX. Request for New Credit Report : Following the updates, I would like to request a copy of my updated credit report to confirm that all changes have been accurately made. 

For your reference, I have enclosed copies of the following documents to support my request : A copy of my legal name change document. 
A copy of my government-issued ID. 
A copy of my government-issue Social Security Card .

Proof of address ( Most recent utility bill ). 

Please confirm receipt of this letter and the actions taken at your earliest convenience. If you require any additional information or documentation, do not hesitate to contact me. 

Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2020 I CONTACTED XXXX  REGARDING SEVERAL ACCOUNTS THAT WERE THE RESULTS OF IDENTITY THEFT. I SUBMITTED MORE THEN ENOUGH SUPPORTING DOCUMENTS TO HAVE THIS ACCOUNT NAMED. DISCOVERY FINANCIAL SERVICES ACCOUNT NUMBER XXXX I HAVE NEVER BEEN ASSOCIATED WITH THIS ACCOUNT AND DOES NOT PERTAIN TO ME.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX Social Security XXXX : XXXX Consumer Date of Birth : ( XXXX ) Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

This fraudulent, inaccurate, and false information consists of : A personal credit card account opened at XXXX XXXX  on XX/XX/XXXX, under the account number ( XXXX ), with a balance of {$1400.00} charged off and {$1400.00} past due. 
A personal credit card account opened at XXXX XXXX  on XX/XX/XXXX, under the account number ( XXXX ), with a balance of {$3300.00} charged off and {$3300.00} past due. 
A personal charge card account opened at XXXX ( XXXX XXXX XXXX XXXX ) on XX/XX/XXXX, under the account number ( XXXX ), with a highest balance of {$410.00} and XXXX late payment reported. 
These accounts have resulted in fraudulent hard inquiries and collections appearing on my consumer FICO credit report. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Consumer Loan

So I was approved for a loan through TIDEWATER FINANCIAL ON XX/XX/2016. However, my monthly payments per contract is due the XXXX of each month. I made the payments on time which was 45 days after I got the vehicle. However, in XXXX, I fell ill and a payment was not made. When I learned of this I immediately made a payment. I had been in communication with TIDEWATER, letting them when a payment would be made. I 've been making my payments on time and they have reported my payment 90 days past due. TIDEWATER took upon themselves to change my due date without my consent, written documentation. I have my bank statement and/or money order receipts as proof that my payments are made 10 or more days in advance. I have wrote letters, emails, text messaging requesting that my due date be changed back to its original date. TIDEWATER IS REFUSING TO DO SO AND KEEP RUINING MY CREDIT with false/wrong/fraudlent information. I spoke with TIDEWATER ON XX/XX/2016 trying to recify this but they refuse to clean my file up. I have disputed this with the credit bureaus and nothing is being done. Also, per TIDEWATER representative that all my payments went to interest. How is that possible, who has {$530.00} in interest each month? There is clearly some fraudlent activity going on here and this needs to be investigated ASAP. I 'm more than willing to send a copy of my loan contract to you to back up my statement.
Product: Credit reporting or other personal consumer reports

I never received a {$11.00} dollars utility nor a {$180.00} phone bill loan from SELF at all and I want it removed from my credit report. I paid $ XXXX monthly and {$6.00} for SELF to add on the bills I payed. I never received a closed account notice or a refund of the amount I paid on the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are fraudulent inquiries on my report. I did not authorize all of these inquiries. Below is a list of the inquiries on TransUnion, XXXX and XXXX. 
XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was affected my COVID-19 severely and wrote to credit acceptance to request that they remove the late payments off my credit report due to me becoming unemployed. They never responded to me nor wrote me back. While reviewing my credit files I discovered that they just put comments on my report " affected by natural disaster ''. Which doesn't help me all, but yet they still reported my late payments. Then they created a program where they would not report payments to the credit bureaus but yet still reported late payments on my credit file. This company is very deceiving and destroyed my credit. 

Also I contacted the bank recently to voluntary surrender the vehicle they stated they already had a repossession order out for the vehicle almost a month before I called. But stated that it will be reported as a regular repo on my credit. And also failed to contact me in regards to that. XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX Experian XXXX XXXX XXXX XXXX TX XXXX Last 4 of SSN : XXXX The following account was charged off as of ( XXXX, 2020 ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understand charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations. 

I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX - XXXX Best Regards, ENCLOSED IN COMPLAINT ARE MY BILL AND IDENTIFICATION CARD
Product: Credit reporting or other personal consumer reports

After facing several rejections for apartment applications and credit cards, the reason was unclear until a review of my credit report revealed incorrect reporting by Discover Bank, account number : XXXX. This error has not only caused significant distress for my family and me but also resulted in credit denials. Despite our diligent efforts, this misreporting has had a detrimental impact on our lives. 

( WE HAVE ATTACHED PROOF OF INNACURATE REPORTING OF ALL THREE CREDIT BUREAUS ) XXXX reporting never late. 
XXXX reporting 30 days late XXXX reporting 30 days late the Fair Credit Reporting Act ( FCRA ) that pertains to accurate reporting is Section 607. This section outlines the responsibilities of credit reporting agencies ( CRAs ) to ensure the accuracy and completeness of consumer information in their reports. It includes provisions related to dispute resolution, reinvestigation of disputed items, and the removal of outdated or erroneous information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts with Equifax to have the below inquiries removed from my Equifax ' report with no success. I provided the letters received from the creditors and they continue to refuse to remove these inquiries from this report. Please know that both XXXX  and XXXX have removed as required. I have the letters from all three creditors indicating they have reached out to Equifax. More specifically XXXX  assured me Equifax, via confirmation from Equifax, had received their request to have this inquiry removed : I provided a letter from XXXX XXXX stating they had submitted my car loan application to multiple creditors without my authorization. In addition, I submitted a letter from both of these creditors stating they have reached out to Equifax. But again, they refuse to remove these. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX inquiry dated XX/XX/XXXX XXXX XX/XX/XXXX XXXX ran a credit inquiry during a refinancing of our home. The home was to be refinance without my name but the title was to be joint holder. They corrected this with XXXX and XXXX  but have been unsuccessful with Equifax. I have the letter from XXXX in addition to them reaching out to Equifax. 

They continue to report incorrect information and continue to send me updates stating these are factual when indeed they were not authorized by me. 

If copies and evidence is required I will submit. This might seem as a small issue however these reports are used by creditors to make decisions on behave of the consumer and as such should be correct regardless of how severe of an impact. 

Thank you for your assistance. 

XXXX
Product: Credit reporting or other personal consumer reports

I am writing this complaint regarding the accounts and information that Experian is reporting to my consumer report. After going over my report I noticed several accounts that are negatively impacting my credit score in which I have no knowledge of the creditors reporting this debt. Ive then mailed a letter to Experian asking them to investigate these accounts in which they never gave me a response. I reached out to the creditors and asked them to verify any debt and send me all documentation that authorizes the accounts. I am aware that it is Experians duty to properly investigate my consumer report and remove anything thats not accurate nor verifiable. If theyre reporting these accounts, why cant they be verified with proof of signatures? The creditors listed in my complaint never had the consent to report, which is a violation of my right to privacy. Also, purchasing and selling my personal information without my consent is fraud and violates my right to privacy. No account may report to my consumer report without my consent or validation. In this complaint I have a dispute letter with the inaccurate information that I would like Experian to investigate and ensure the most accurate information possible is being reported. 



Violations committed by Experian and the Creditors : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code 1681i - Procedure in case of disputed accuracy
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX I have written XXXX several times to get this issue resolved. They are counting to report duplicate fraudulent accounts. I have been disputing Discover Bank charge for a {$3600.00} account being reported at {$8000.00}. I don't have account number. I have repeatedly disputed this charge for 3 years and it is also contacted each creditor bureau with proof and also contacted Discover several times. Now the account is showing twice on my credit report. I have asked how this information is being verified as I have provided proof that it was not me. This is detrimental to my credit and I have exhausted ways to have it resolved. 

XXXX is also showing a duplicate collection account for XXXX XXXX XXXX XXXX XXXX, for {$190.00} which is also a fraudulent account and I have disputed this charge and it is showing twice. I have contacted XXXX as well as XXXX to verify that this was not me. The car they are referring to being insured is not registered or owned by me and I have never had insurance with this company. Have been fully insured for the last 5 years by XXXX. 

I would also like a resolution with XXXX XXXX. It is showing a charge off account for {$9500.00} I have disputed this charge and also provided documentation of fraud. I have contacted the creditor as well as they have sent it to collection which has resulted in anther negative account for XXXX XXXX for {$9500.00}. I have disputed this collection and have contacted XXXX monthly for the past 2 years. The collection agency has sent it to another collection office of XXXX XXXX XXXX for {$9500.00} as of XX/XX/XXXX