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

XX/XX/XXXX reached out to TransUnion about a dispute and have not gotten a single response. 

XXXX This account is showing a High Balance on TransUnion of XXXX but on XXXX  it shows {$5500.00}. I also noticed that you have this account as the date of the last payment XX/XX/XXXX but XXXX  shows XX/XX/XXXX How can this be accurate when it comes from the same creditor? 

XXXX This account is still inaccurate reporting last payments incorrectly. Shows the account has been late 90 days a total of 4 times with a payment status of late 120 days. 

Would like these unverified late payment removed. 

XXXX Date of last payment inaccurate TransUnion with the date of the last payment showing of XX/XX/XXXX on Transunion but on XXXX  it shows the date of last date of last payment of XX/XX/XXXX. 

How can this be accurate when it comes from the same creditor? Please delete this unverified inaccurate account. 

XXXX This account has been re-aged. The date of last activity should reflect the FCRA compliance date also known as the date of first delinquency which in my original dispute was XX/XX/XXXX and now you are reporting it as XX/XX/XXXX but XXXX  shows it as XX/XX/XXXX and XXXX  shows XX/XX/XXXX. 

Would like you to provide me with the paperwork XXXX provided you that validated this account and its information or delete it. 

The original creditor XXXX XXXX XXXX with account number is also reporting this account which is causing duplicate derogatory accounts on my credit report. Which should automatically have both removed. 

Attached are copies of my original dispute and identification that was sent to the TransUnion with Certified copy of mailed delivery
Product: Credit reporting or other personal consumer reports

This complaint is in regards to the consumer report belonging to XXXX XXXX XXXX XXXX. There are XXXX inquires on my credit report that I did not authorize. The first is an inquire I received from XXXX XXXX XXXX ON XX/XX/year> and the second inquire being XXXX XXXX XXXX on XX/XX/year>. I DID NOT authorize any of these inquires on my consumer report. Furthermore the XXXX XXXX XXXX negatively affected my score causing it to drop down XXXX points. I have attached a correspondence I received from XXXX of them notifying me that my XXXX score decreased XXXX points. This occurred on XX/XX/year> the same day that the XXXX XXXX XXXX inquire showed up on my credit. Furthermore the FCRA proclaims that if I did not authorize this on my consumer report it must be removed. 

15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

They need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting Act P.L 90-321 ( 82 Stat. 146 ) which is law law that backs the code is even stricter as it states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ) As u can see the FCRA states clearly that if a consumer does not authorize the reporting of an item to their consumer report it must be removed. I am demanding that these XXXX inquires in regards to XXXX XXXX XXXX and XXXX XXXX XXXX be removed from XXXX XXXX XXXX XXXX XXXX file immediately.
Product: Checking or savings account

On XX/XX/2023, my wallet and phone were stolen from my vehicle. There is a police report with my local PD made on this situation. There was XXXX taken out of my account and made to XXXX XXXX sports book, the merchant is refusing to give me a refund and chase bank is not deciding in my favor as of now.
Product: Payday loan, title loan, or personal loan

I took out a loan with speedy cash in XX/XX/2018 in the amount of {$680.00}. I was under the impression that I would pay back what I borrow plus $ XXXX {$50.00} based on the conversation I had with the representative before I applied for the loan. I had a series of unfortunate events to occur in my life that prevented me from making timely payments. I received a notice in the mail that speedy cash sent my account to collections with XXXX  XXXX. I was informed that my balance was {$1200.00} with an interest rate of 200 % APR. I was blown away by the amount of interest on the debt. I informed them that I was having a difficult time but in no way neglecting my financial obligations & desired to resolve the debt. I inquired about a settlement regarding the interest on the account. I was told that I they would not make any adjustments to the account. Some of the representative I spoke with @ XXXX XXXX were very rude. Everyone has bad days and because I have a delinquent debt doesn't mean you should be mean.
Product: Debt collection

Hello ... 
This message is to file a complaint against American Express and XXXX XXXX debt collecting agency. My father, XXXX XXXX, dob : XX/XX/XXXX, applied for American Express credit card. Unfortunately, my father passed away on XX/XX/XXXX. American Express did not respect the fact that my father died and began to harass me and my family if we did not pay the company. One of the options was to take over my father 's account. Therefore, I decided to take over the account because I did not want any trouble. When I first took care of the account, I was making payments on time because I was working. However, I was a XXXX XXXX XXXX and with the impacts of Covid19, my hours at my work decreased significantly. I am a single mother of a XXXX year old boy with XXXX. I take care of him and I also take care of my mother who is XXXX. Unfortunately, I do not make enough to take care of credit card payments, utility payments, insurance, all of the financial obligation that I have with my family. American Express and XXXX XXXX debt collecting agency continue to harass me despite the fact that I have informed them to stop calling me. They call me when I am at work, they call me before XXXX and they call me from restricted numbers. Please help me to solve this matter. Thank you, XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I received a letter indicating I had opened an account with Robinhood. I had not opened an account with the company, and since they require XXXX to verify, it was clear that someone got my identity information and opened a fraudulent account with the company. Robinhood is the subject of this complaint. I began notifying Robinhood immediately on XX/XX/2023 that someone had opened an account in my name. I received no response to that email for several days, and the responses were not substantive. Following their requests, I filed an identity theft report with the FTC and I filed a local police report. I sent both documents to them immediately after filing. They appear to have done nothing with this information after requesting it, as I got no substantive response to this information. Getting more concerned, I tried to find a way to talk to someone on the phone. However, in order to talk to someone on the phone, you have to have an account with Robinhood. So I downloaded the app so I could speak to someone over the phone. But after multiple repeated email and phone contacts, including several times verifying my identity with all requested forms of doing so, I have been unable to get Robinhood to understand that whoeever is using my identity is doing so with criminal intent, and close down the fraudulent account. I have not been able to get substantive responses over email despite repeated attempts. Over the phone representatives have consistently directed me to take the call offline to resolve it over email, but then do not respond to my emails. Since they are not responding to my emails, and seem to be unwilling to discuss the matter with me over the phone, I appear to be stuck.

Meanwhile, more than a week later, I am still waiting for a resolution to this, while someone who has stolen my identity is using my information to run an account in my identity on the Robinhood app. Robinhood has all the necessary information to confirm that this is indeed criminal activity on their app and I have repeatedly told them this. Nonetheless, Robinhood has refused to hear me out or help me close down this account even though I have complied with all the various requests that they have made about filing reports and verifying my identity. I would like the company to assist a law-abiding person in protecting their identity from criminal misuse, close down the fraudulent account, and provide confirmation that this has been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached. I am a victim of Identity Theft. Experian has been negligent in helping me resolve this. Attached are my FTC report and documents.
Product: Checking or savings account

My account with credit karma was hacked and over XXXX taken. The security complaint was born out in their response, yet they decided there's no fraud. There is fraud, hardship and an uncaring corporate entity
Product: Bank account or service

About a year ago I opened a Discover Bank online checking account. I already had an online savings account with them and was happy with it. I like getting bank statements and credit card statements mailed to me because they help me remember to reconcile and/or pay them in a timely manner. I also like having a paper trail back up for my files. I noticed that for some reason I was not receiving paper statements from Discover Bank, so I went online to choose that option. I could not find a place anywhere on their website where I could ask them to mail my statement to me. So I called the bank. After to talking with several people, I was told that I can call anytime to request a paper statement, but that they do n't have a paper-copy option for their online checking account. I was told that I had opted out when I opened the account ( this is mandatory ), and that I had waived my right to " opt-in '' because no such option exists. Wondering if this was legal, I did some online research. This led me to XXXX XXXX, Senior Consumer Regulations Specialist with the Federal Reserve Bank XXXX XXXX. I sent an email explaining my situation to him and he wrote back the following : Pursuant to Regulation E ( Electronic Fund Transfer Act ), you are entitled to written periodic statements for your checking account if electronic transfers ( such as ATM or debit card transactions ) can be made from the account. See 12 C.F.R. 1005.9 ( b ) and 1005.4 ( a ) ( 1 ) The E-Sign Act applies when a law or regulation requires written disclosures. 15 U.S.C.7001 ( c ) ( 1 ). The E-Sign permits the use of electronic disclosures in lieu of the written ones, provided the consumer consents and is notified of the right to later withdraw the consent. Regulation E specifically requires compliance with the E-Sign Act if a financial institution wants to provide disclosures electronically. 12 C.F.R. 1005.4 ( a ) ( 1 ). The E-Sign Act also requires financial institutions to provide consumers with the right to withdraw their consent to electronic disclosures. 15 U.S.C. 7001 ( c ) ( 1 ) ( B ) ( i ) ( II ). 

If Discover Bank is not complying with these requirements, you can file a complaint with its federal regulator for consumer protection issues ; namely, the Consumer Financial Protection Bureau ( CFPB ). You can contact the CFPB at XXXX or visit the CFPB 's website to file a complaint online. XXXX/We hope you find this information helpful. 
XXXX XXXX XXXXSenior Consumer Regulations SpecialistSupervision, Regulation and CreditSupervision, Regulation and CreditThe Federal Reserve Bank XXXX XXXXOffice : ( XXXX ) XXXXCell : ( XXXX ) XXXXEmail : XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

I lived in XXXX when it happened and it been a while, so I don't have the information
Product: Debt collection

Requested verification of debt from recieveables performance and was not sent the requested documentation, I would like my letter responded to in full or the debt removed from my reports as it has not been validated.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX, XXXX  ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX, XXXX  ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Checking or savings account

When I was a member with navy federal between XXXX and XXXX, I was charged overdraft fees with money in my account and would charge extra fees on top of being charged for overdraft fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter to the credit bureaus regarding my credit report concerning my consumer report. I have items that are reported on my credit report without my consent and that is a violation of privacy according to the FCRA. I have sent this letter over 30 days ago the bureaus and have yet to get a response from them and that is also a violation and I need these accounts deleted immediately. I am currently unemployed and these accounts are hindering me from finding employment and also auto insurance and getting financial resources which is very stressful for me and my family.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ).

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : Cushman v. TransUnion Corp. ( 1997 ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers.

Ramirez v. TransUnion LLC ( 2021 ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA.

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft.

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission XXXX XXXX & XXXX, XXXX. XXXX
Product: Credit reporting or other personal consumer reports

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY THE SILENCE ESTOPPEL V GRAVENS ( mo ) XXXX PRESUME THAT NO PROOF OF THE ALLEGED DEBT. NOR THEREFORE ANY SUCH DEBT IN THE FACTTHEREFORE EXIST. ( PLEASE REMOVE THIS ACCOUNT BEFORE I SEEK LITIGATION FOR DEFAMATION OF CHARACTER ) XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$4600.00} XX/XX/XXXX XXXX XXXX XXXX {$700.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX {$320.00} XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 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 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

There are two accounts on my report in collections that do not belong to me. They are XXXX and XXXX and Resurgent Cap Services. I have never had car insurance with XXXX and I have not ever had a XXXX XXXX account. Not only that but they were reporting these accounts on my credit report multiple times with different companies which is illegal. I need you to please help me get this removed. This is fraud. I have attached my police report as well. I look forward to this being resolved asap.
Product: Checking or savings account

On XXXX XXXX  I paid XXXX XXXX through my banking app XXXX checks for work completed. XXXX check was {$260.00} and XXXX for was {$660.00}. Instead of sending my vendor checks they sent him credit card number to run. This would have cost him extra to process so he asked me to pay him another way. I also had a bill from him from XXXX of my companies. It is a completely different bank. I paid those XXXX invoices with a check from XXXX XXXX The XXXX personal and the one for my company with check written on XXXX XXXX XXXX for {$1100.00} Since my vendor let the credit card payments expire. They went ahead wrote him checks. ( This is what should have been sent to start with ) Since i had already paid him he voided the checks and sent me an email showing them voided. 
The Money has been taken out of my account. The vendor did not recieve the funds. They expired and checks were voided. I sent them all this information including the checks and expired credit cards. 
My account has not been made whole. my dispute has been denied twice. It is so clear cut and i am at a loss of what to do.
Product: Credit card or prepaid card

I, XXXX XXXX, NATURAL PERSON AND FEDERALLY PROTECTED CONSUMER, applied for a credit limit increase with Capital One. They denied me XXXX XX/XX/2021. This seems like unfair and deceptive practices.
Product: Checking or savings account

Wells Fargo reps claimed to have addressed issue ( s ) pertaining to non-receipt of payment from their remediation department, payment for damages caused by unauthorized accounts opened by Wells Fargo reps under my name including checking and savings.. I can assure the CFPB Wells Fargo extent to addressing issues includes referring to check as cashed in my name, in which case, check was cashed fraudulently by someone using my name, not addressed by Wells Fargo reps ... Further, check in amount of {$5100.00} was sent to old address after I moved, in which case Wells Fargo reps have not addressed this fact as well. Also, address was not verified which is an error on end of Wells Fargo, not addressed prior.. Another issue not addressed includes IRS reporting of payment, in which case Wells Fargo reps refer matter to a tax professional whom in turn advised IRS reporting including 1099 form needs to be corrected to show no payment received or I will have to pay taxes on amount not received.. A second option would be for Wells Fargo to reissue check ... In closing, Wells Fargo reps opened another checking account as well as savings which was recently closed out, overdrawn in amount of {$190.00} which includes two external funds transfers in amount of {$50.00} as well as a provisional credit reversal in amount of {$290.00}. The provisional credit was issued due to a debit card dispute in this amount, a purchase from XXXX which was not received, package lost/stolen. Further, the signature for package shipped via XXXX was forged, signed as " XXXX XXXX '' in which case I have never signed my name like this. Wells Fargo rep ( s ) refer me to account recovery to make payments in which case, there are not payments to make as I do not pay for item ( s ) not received. As stated before, account was opened by Wells Fargo reps, not myself, which is fraud and needs to credited amount of {$290.00}.