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

In past times my identity has been compromised and that lead to unauthorized accounts on my credit report. Also I'm a junior ( jr ) and sometimes that crosses accounts that usually not mines. The two ( 2 ) accounts inwhich I'm disputing are, ( 1 ) XXXX XXXX {$3200.00}, and ( 2 ) XXXX XXXX {$1700.00}. These accounts are not mines and I'm demanding that the three ( 3 ) major reporting agencies block them immediately, or provide me with certified physical documentation that validates their reporting. Please block accounts from my data file.
Product: Credit reporting or other personal consumer reports

This account Is identity theft. I have filled out all paperwork with state federal government and this needs to come off my credit report or I will be following charges against your company. 

XXXX XXXX XXXX XXXX XXXX XXXX Main XXXX XXXX, MO. XXXX
Product: Checking or savings account

Chase bank contact me on XX/XX/XXXX stating there was unusual activity on my account. I advised them it was not me. They closed the account and sent me a new card. They also reversed the fraudulent charges back to my account on XXXX. On XX/XX/XXXX I checked my account and noticed all the fraudulent charges were back and my account was now overdrawn. I contacted Chase immediately. There are important bills due to be withdrawn from my account. They stated an investigation was conducted and it was determined that XXXX  marked the charges as bill pay so they can not reverse the charges and I should contact the company who took the money. I told them I did that. The company does not exist. Two separate agents advised they can not help and to have a nice weekend.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I was notified by XXXX XXXX that a check made payable to my company was cashed. I never received or cashed the check, and the endorsement on the back of the check image doesnt resemble my signature at all. Plus, that check was never deposited into my account. 

When I went to Wells Fargo Bank to find out which bank cashed/deposited the check, they wouldnt help me.
Product: Student loan

As you can see from the printout, I was on time with the majority of my payments and NavientXXXX would call after I made payments and demand that I make more payments. Now that the company has switched over they call constantly and will not answer the phone harassing me at home and work.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to resolve this issue with the CRA. I understand all CRA do not report the same way but if a company is reporting the appropriate information to ALL CRAs, there should be no reason that all my reports do not match. After a previous complaint with XXXX XXXX XXXX, they took appropriate action in noting they made an error. XXXX furnished me with a letter assuring that this account would no longer reflect on any of my credit reports. Ive given more than enough time for all CRA to comply with this verification letter from the lender company. However, even with this letter expressing I am no longer liable for this account and it will be removed, EQUIFAX still does not comply. XXXX AND XXXX COMPLIED IMMEDIATE AFTER THIS ACCOUNT VERIFICATION NOTICE FROM THE LENDER. Under FCRA 611 ( a ) ( 6 ) ( B ) Equifax should be held just as accountable as the lender. I am enclosing the same letter mailed to me stating this account is no longer liable to me and it shall be removed. I AM ASKING YET AGAIN FOR EQUIFAX TO COMPLY WITH THE LENDER AND REMOVE SUCH ACCOUNT FROM MY REPORT AS IT WAS STATED IN THIS LEGAL BINDING DOCUMENT MAILED TO ME FROM THE XXXX XXXX. THANK YOU
Product: Checking or savings account

XXXX XXXX  Saturday XXXX, an unauthorized charge of {$100.00} was made by XXXX XXXX  to my Chime checking account. I disputed this charged and after many attempts I was ignored and finally denied this dispute without any proper documentation stating why it was denied. This dispute is completely legitimate and I am being falsely denied this credit. I have provided all proof to Chime and they continue to deny me this dispute. If this the Chime disputes team had done proper investigation they would have seen that I previously made a charge in a city that was was more than an hour away from the location which this charge was made making it impossible for me to be there to authorize this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to XXXX Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are required to remove any accounts or information not later than XXXX business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've dispute with experian multiple times about removing two address from my credit profile. According to the fair credit reporting act delete the following addresses immediately for violating 15 USC 1681EB. XXXX XXXX XXXX XXXX GA XXXX and XXXX XXXX XXXX XXXX GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account 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 an account without my written instructions. 

15 U.S.C 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: Money transfer, virtual currency, or money service

Subject : Request for Review of Disputed Venmo Transactions Under Regulation E Dear Consumer Financial Protection Bureau, I am reaching out to seek your assistance with a series of disputed transactions on my Venmo account. Initially, I filed a dispute for an unauthorized charge of {$68.00} on XX/XX/XXXX, which was promptly denied without a thorough investigation or adequate explanation. Furthermore, I was not provided with any documentation regarding the decision-making process. 

However, my concerns extend beyond this single incident. In XXXX and XXXX of XXXX, I noticed two significant unauthorized transactions from my account to the same individual, totaling {$1900.00}. Despite contacting Venmo and discussing these issues with their representatives, I was informed that nothing could be done to address these transactions. 

Upon further research, I have come to understand that under Regulation E, I am entitled to certain protections against unauthorized electronic fund transfers and a formal dispute resolution process. Given t

he lack of resolution and transparency from Venmo, I am requesting the Bureau 's intervention to review my case and ensure that my consumer rights are upheld. I have attached screenshots of the disputed transactions for you
r reference and am willing to provide any additional information required to facilitate this review. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance. 

Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I initiated a wire transfer with Marcus by Goldman Sachs to close on the purchase of my new home. I was told that since I initiated the transfer before XXXX XXXX ET ( it was scheduled at XXXX XXXX ET ) that it would transact on the same business day. 

I called Marcus at XXXX XXXX ET to see why the wire had not gone through and they told me it was in review and that it would go through before close of business. 

At XXXX XXXX ET I called back to check and they told me that while they do sometimes wire transfer funds to third parties, that exception would not be granted to me. They told me that the best they could do was send the money to my personal external account and since it was after XXXX XXXX  ET, I wouldnt receive the funds until the next day. 

At this point Id already missed closing on my home purchase, so initiated the wire transfer to my personal account and waited until the next business day to check if the funds had transferred. 

They hadnt. 

As of now, the funds are still not in my account and I still have not closed on my home purchase. I deposited a very large sum of money in my Marcus account and it appears that I cant take it out. Im concerned and frustrated by their incompetence.
Product: Vehicle loan or lease

My auto loan company BRIDGECREST is a LOANSHARK. I would have gotten a better loan deal from the XXXX. This company is purposefully stealing from me. I took out a car loan with Bridgecrest in XXXX. It was not explained to me that this was a simple interest loan or what that means for interest payments. My contract said I would make XXXX payments at {$350.00} per month and 25 % interest. Due to XXXX I fell behind on payments. I requested extensions for 2 payments so I could be brought up to date. Bridgecrest denied me that request ( even during the pandemic ) and offered me only one extension. When I explained this one month extension would not help me get caught up completely and would leave me in a perpetual behind status that I could not get out of, they still only would give me one extension, so I took that cause that was all there was and my car was about to be repossessed. Fast forward three more requests for two extensions and only being allowed one extension each time, my account remains behind. I have told the company each time that one extension will not help me and because of COVID I need two extensions to get caught up completely. This is on purpose by Bridgecrest -- they have been told I can not get caught up without two extensions, yet will only give me one extension ( bridgecrest reps have told me on the phone they can give two extensions at once per company policy, but they won't do so ) Because of my behind status EVERY SINGLE PAYMENT I MAKE GOES 100 % to INTEREST and I have built NO EQUITY on this loan, none. This has been going on for 4 YEARS> I HAVE PAID MORE IN INTEREST THAN I BORROWED ON THE CAR AND I OWE MORE NOW FOR THE CAR THAN WHEN I BOUGHT THE CAR. I recently got up with the company again and requested two extensions so I can get out of this cycle of paying forever on this car. I have been told an absolute no. I then asked to lower my payment amount due to financial hardship so I can get caught up in that way and was also told no. I explained to the rep that I have been paying nothing but interest for over four years and owe more on the car now than when I bought it and that I felt Bridgecrest purposefully put me in this position. The company knew I was low income and XXXX when I got the loan, they know I can not pay two payments I got behind on due to XXXX to get caught up. They are purposefully loan sharking me, technically forever. I either have to give up the car to repo and lose my credit rating forever, or continue to pay nothing but interest for the rest of my life or until I win the lottery. I have paid nothing but interest for XXXX and XXXX years. I deserve a break by Bridgecrest and some help here. This amounts to purposeful legal theft and is ridiculous. The entire loan balance for this company should investigated. I have looked online, I am not the only person suffering like this due to falling behind years ago due to XXXX. There are thousands of others.
Product: Student loan

I have a student loan, XXXX I wasnt sure I had, since I had just paid off XXXX. Anyway the collections emails started, and then the calls. On the call, the woman asked for not only payment, but wanted all my tax info, including all my wife 's information. Since I was at work, I told her, repeatedly, like 4-5 time, that I do not have the info she was requesting. She kept asking for it, asking for a ball park estimate, all kinds of ways. I finally told her the only way I could possibly get her the info was to walk off the job. She said fine and that she would call me later in the evening. Then, a few days later, I got a letter stating my wages were going to be garnished in the next week, and then the week after that, my paychecks were being garnished. Also there is almost XXXX dollars charged for for collection fees. All the money they are garnishing is only going to interest. I tried to explain that I had tried multiple times to submit for a loan rehab, but the website will not progress past the second to last page, even when I switched browsers. That tells me it is theirissue, and not operator error
Product: Debt collection

Account Name ERC Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$1300.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$1300.00} Balance Updated XX/XX/XXXX Recent Payment Amount $ XXXX Monthly Payment {$0.00} Original Balance {$1300.00} Highest Balance {$0.00} Terms 1 Months On Record UntilXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. Please review the uploaded letter. This is the inquiry on my credit report that I did not initiate or authorize.
Product: Debt collection

A collections debt from a company named caine & weiner never heard of them in my life or consent to them putting a debt collection on my credit
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and I noticed fraudulent accounts on my credit report. Please remove these accounts from my report they are hurting my ability to obtain credit. A collection account for {$800.00} from XXXX XXXX associated with XXXX XXXX XXXX. This is a fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XX/XX/XXXX TransUnion XXXX  XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been disputing a student loan with Experian & XXXX thats been on my credit report for more than 7 years. I disputed this same student loan through XXXX  and they removed it from my credit report. Experian & XXXX are claiming the information is accurate but, it clearly states the account was closed XX/XX/11 I dont know what else to do at this point
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent in disputes to XXXX, equifax and XXXX. I understand that they have thirty days to re-investigate my disputes. They are over the time frame and nothing has been resolved. I reqested for charge offs and collections to be removed from my credit report because I never gave written consent for anything to be furnished which a direct violation. They're willingly and knowingly reporting inaccurate information without my consent. furthermore I have many inquiries reported as well as late payments which is clear violation. I have a right to privacy and my rights are being violated. I've sent to these furnishers clear written instructions and they are requesting that I re-send them in which I will not because I've sent them the exact same information three different times
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

In according with the fair credit reporting Act AccounXXXXXXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX, has violated my rights. 
15U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 2 : It also States a Consumer Reporting Agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX ID : XXXX Date of Birth : XX/XX/XXXXXXXX  SSN : XXXX ID Type : Driver 's License ID Number : XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, CA, XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have resolved the unpaid amount with XXXX XXXX .the following account numbers : XXXX XXXX XXXXXXXX XXXX XXXX Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX XXXX  : XXXX XXXX XXXX Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX I was about to pay off all the accounts. I spoke with XXXX XXXX and was able to receive a official letter from them stating that the accounts are paid in full. Im requesting the following information be removed from my Early Warnings Consumer report immediately! Ive attached a copy of the letter from XXXX XXXX to this request. 


Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent JPMCB multiple Cease & Desist letters to stop them from contacting me about an alleged debt. The Cease & Desist also requires them to stop reporting to my credit file. It is against my right to privacy. The alleged debt do not belong to me, I am a victim of identity theft. I asked the company to provide me copies of my wet ink signature opening the alleged debt but I have yet to receive it. They are still contacting me about the alleged debt and reporting to my credit file which damage my general reputation.
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.

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 adver
se 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

Any accounts I 've had with XXXX were paid in full and closed was prior to XXXX from Georgia. I do not owe this debt. I have disputed this account numerous times and each time it has been removed, it is then added again by another one of these " companies '' likely to negatively impact my credit score. Which should be illegal. Furthermore, I am in the process of disputing this account with another collection agency who is reporting the exact same thing in another one of my credit profiles ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021
Product: Checking or savings account

Re : CFPB CASE NO. XXXX After receiving citibank 's response I contacted them ( after very long hold times and numerous calls and online attempts ) and requested they close both my checking and savings accounts and send me the proceeds. They were not cooperative and still have not returned all of my money. I have records of appx. 12 conversations regarding this matter, including conversations and messages left for Mr. XXXX XXXX ( referenced in citibank 's response letter ) but I still don't have my money. I am rightfully owed {$8500.00} and demand they pay me immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMONE USE MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN FRAUDULENT ACCOUNT IN MY NAME WITHOUT MY CONSENT I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Checking or savings account

This isn't a complaint about a bank, I received an e-mail that said it was from Truist Bank saying my account was going to be locked unless I logged and verified through the provided link. I didn't clink the link because I knew it was a scam, I don't have a Truist account nor have I every had one. I honestly didn't even know it was a bank until I looked into it. The address that sent me the e-mail was XXXX I'm not sure what can be done, but I figured I would bring it to attention.
Product: Credit reporting or other personal consumer reports

It has been months and months that I noticed that XXXX XXXX XXXX reported an account they claimed that I have with them to the credit bureau XXXX Account XXXX ) to the XXXX XXXX and XXXX credit bureau XXXX I repeatedly contacted them about this particular account. I have never done any business with XXXX. I do not even know what they are in business for. I demanded that they remove this account from my credit report immediately.