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

PLEASE NOT THIS EXPERIAN CLOSED MY LAST COMPLAINT BY FALSELY ACCUSING ME OF USING SOMEONE ELSE TO SUBMIT MY COMPLAINT AN DISPUTE. THIS IS NOT ONLY IRRELEVANT, BIASED, AND 100 % COMPLETELY FALSE WHEN EXPERIAN HAS NO WAY OF PROVING THIS FALSE ACCUSATION. HOW COULD I NOT BE THE ONE SUBMITTED THE COMPLAINT WHEN THE ORIGIN OF MY COMPLAINT AROUSED FROM A PHONE CALL MADE TO EXPERIAN ON XXXX AT XXXX XXXX   FOR 38 MINUTES AND 39 SECS FROM MY MOBILE NUMBER XXXX. THIS RESPONSE IS TOTALLY UNACCEPATBLE AND I WILL NOT ACCEPT IT SO THEREFORE****************** **** PLEASE LOOK AT THE IDENTITY THEFT AFFIDAVIT ATTACHED****I recently spoke with a representative by the name of XXXX XXXX with EXPERIAN CONSUMER AFFAIRS DEPARTMENT. I EXPLAINED TO MR. XXXX THAT TWO ACCOUNTS BY THE NAME OF XXXX AND XXXX PLUS BOTH WERE OPENED earlier this year fraudulently without my knowledge or consent. I informed Mr. XXXX these accounts have both been removed from my XXXX  and XXXX credit reports and asked what is EXPERIAN DOING DIFFERENT TO NOT REMOVE THESE ACCOUNTS AFTER RECEIVING BOTH AN IDENTITY THEFT AFFIDAVIT AND POLICE REPORT. MR XXXX STATED THAT HE COULD NOT EXPLAIN WHY XXXX  OR XXXX   HAS DELETED THESE ACCOUNTS AND THAT ALL BUREAUS ARE SUPPOSED TO USE THE FAIR CREDIT REPORTING ACT GUIDELINES FOR VERIFICATION. MR. XXXX STATED THAT BOTH MY POLICE REPORT AND FTC REPORT DID NOT APPEAR OR LOOK TO BE VALID. I ASKED MR XXXX WHAT HE MEANT BY THAT COMMENT AND HE STATED HE COULD NOT GO INTO ANY DETAILS WHICH DIDN'T MAKE ANY SENSE TO ME. I FEEL EXPERIAN & MR XXXX ARE BEING DISCRIMINATORY AT THIS POINT BY ACCUSING ME OF SUBMITTING FALSE DOCUMENTS WITHOUT HAVING ANY PROOF. I EXPLAINED TO MR. XXXX IT IS IMPOSSIBLE TO COMPLETE AN IDENTITY THEFT AFFIDAVIT WITH INCOMPLETE INFORMATION. ALL AREAS OF THE AFFIDAVIT ARE NOT REQUIRED TO FILL OUT TO COMPLETE SUBMISSION SUCH AS EMAIL ADDRESS & ETC. I ASKED MR XXXX WHAT IS IT THE CREDITORS ARE SENDING EXPERIAN FOR THEM TO VERIFY THESE FRAUDULENT ACCOUNTS BELONG TO ME AND HE STATED THEY DO NOT PROVIDE ANY PERSONAL INFORMATION OR PHYSICAL DOCUMENTATION. I THEN EXPLAINED TO MR. XXXX THEREFORE ANYONE OR INDIVIDUALS WITH MY PERSONAL INFORMATION COULD EASILY OPEN OR ESTABLISH ACCOUNTS IN MY NAME AND IMPERSONATE ME. EXPERIAN CONTINUES VIOLATE MY CONSUMER RIGHTS BY REPORTING THESE FRAUDULENT ACCOUNTS TO MY CREDIT FILE. BOTH OF THESE ACCOUNTS SHOULD HAVE BEEN BLOCKED IN ACCORDANCE TO THE FCRA SECTION 605B. I  FIND THIS TOTALLY UNCACCEPTABLE AND IS A BIASED DECISION ON THERE BEHALF. EXPERIAN HAS PROVIDED NO PROOF OF 100 % ACCURATE VERIFIACTION OF THESE ACCOUNTS AND HAS VIOLATED MY RIGHTS BY FALSELY ACCUSING ME OF SOMETHING I HAVEN'T DONE.
Product: Checking or savings account

The company in question is Truist Bank On or about XX/XX/XXXX someone tried to make an unauthorized purchase of {$250.00} with my chipped debit card. The bank caught this and deactivated the card and issued me a temporary card on XX/XX/XXXX. 

On XX/XX/XXXX while waiting for my new chipped card, someone used my temporary card to make 3 out of network atm withdrawals about 30-40 minutes from my house, totaling {$800.00} ; not including fees and over drafts. 

XX/XX/XXXX I noticed the withdrawals and immediately went to my local branch, where they deactivated the temporary card and issued me a second temporary card. I was unable to make the fraud claim then, because the transactions were " pending ''. 

XX/XX/XXXX I started the fraud claim, as the transactions had posted. 

XX/XX/XXXX I called the fraud line and found out my claim was denied but wouldn't explain why. I then went to the local branch to speak with the manager. The manager called and they denied the claim because they said the withdrawals were done with a chipped card. Which was impossible because mine was deactivated, and temporary cards do not have chips. So, we made a new claim/resubmitted the claim. 

XX/XX/XXXX still no refund and I find out my claim was denied for the second time because " I didn't report it lost or stolen ''. Obviously, it wasn't stolen, it was skimmed and cloned, unbeknownst to me at the time and I reported this on XX/XX/XXXX and had the official claim opened on XX/XX/XXXX when the debits posted. 

XX/XX/XXXX - XX/XX/XXXX I continue calling their fraud claims line to have my claim escalated a third time. 

XX/XX/XXXX I filed a police report in the county the fraud happened in and emailed this to the bank 's fraud department. 

XX/XX/XXXX I speak with the bank manager again and he filed a complaint on behalf, against the fraud department and said he would contact me no later than Tuesday XX/XX/XXXX. 

XX/XX/XXXX I found out the police report I made on XX/XX/XXXX, in the county the fraud occurred in, was rejected. The report needed to be done in my county due to the nature of how bank fraud works. It's considered to have been done at my residency, so I made a new police report in my county. 

XX/XX/XXXX I had to initiate contact with the bank, as no one had reached out to me. I informed them of the new police report. 

XX/XX/XXXX issue is still not resolved, and the bank has never, not once, initiated contact with me and continue refusing to honor my claim.
Product: Credit card or prepaid card

On XX/XX/2023, I made a purchase for {$8700.00} on my Apple Card at a retail store on XXXX XXXX XXXX XXXX XXXX XXXX. The sale representative called for an approval because there is no physical number on the Apple Card. On XX/XX/XXXX, XXXX XXXX put through the charge for {$8700.00}. A pending charge for {$8700.00} dated XX/XX/XXXX and a purchase for {$8700.00} dated XX/XX/2023 both showed in my transaction history. On XX/XX/XXXX, the pending charge had not fallen off of the card, so I disputed the pending charge. On XX/XX/XXXX, I called Goldman Sachs customer service and spoke with a representative who assured me that the situation was being worked on. On XX/XX/XXXX, a member of the Goldman Sachs `` tech '' team contacted me to say that they received the complaint and the situation would be resolved. On XX/XX/XXXX, I received an email from Apple Card Support stating that my pending transaction case had been resolved because I requested to withdraw the dispute. I did not at any point request to withdraw the dispute. I contacted Goldman Sachs again on XX/XX/XXXX and spoke to a supervisor that said she would " expedite '' the situation as the pending charge should have fallen off. On XX/XX/XXXX, I received another call from a representative of the Goldman Sachs `` tech '' team that stated the problem had been pinpointed and would be resolved. Both the pending charge and the actual charge were still showing on my card, so I contacted Goldman Sachs again on XX/XX/XXXX. I was told by a supervisor that my issue would be expedited. After contacting Goldman Sachs again on XX/XX/XXXX, nothing has been done to correct the issue with my Apple card. Additionally, my card balance reflects the amount due to include the pending charge. My credit card statement shows the correct balance and does not list the pending charge of {$8700.00}, but the balance showing online and in XXXX XXXX app lists the pending charge in my current balance due. I am concerned that Goldman Sachs is charging me interest on both the pending charge and the actual charge.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance Owed : {$640.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$940.00} ; XXXX, XXXX & XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) XXXX Balance Owed : {$640.00} ; XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX ) XXXX Balance Owed : XXXX ; XXXX, XXXX & XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$940.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$4700.00} ; XXXX, XXXX & XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$640.00} ; XXXX XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

I talked to experian and they refuse to help through their customer service telephone system. I have several inquires and a bankruptcy listed on my report that I have no knowledge of and tried to dispute these but they apparently did not want to take the necessary time to help me file a dispute. Under the FCRA I am allowed accurate information on my report and wish for these items to be deleted so that my report is accurate and not causing me harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTN : XXXX XX/XX/2022 NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern : I recently received a copy of my Experian, and XXXX consumer report, and I noticed some late payments posted on my consumer report : Dept of Ed/XXXX  Acct # XXXX ( XXXX ) XXXX ( Experian ) Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) ( Aidvamtage ) Making the report is not INCLUDED on my Consumer report!

A Late payment is a transactional history, My HISTORY with your company and CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!

YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX  XXXX Balance : $ XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX Balance : {$9400.00} XXXX XXXX XXXX XXXX Balance : {$8500.00} XXXX XXXX XXXX Balance : {$39000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2900.00} XXXX XXXX Balance : {$390.00} XXXX XXXX XXXX Balance : {$9400.00} XXXX XXXX  XXXX Balance : {$39000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$390.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action.

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time.

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX
Product: Credit reporting or other personal consumer reports

I am Requesting the Removal of Inaccurate XXXX  Payment Entry from Credit Report. Account Number : XXXX In light of these regulations, I request that you take immediate action to rectify this error by removing the inaccurate XXXX  payment history entry from my credit report. I emphasize that this request is not made frivolously, but rather in accordance with my rights as outlined by the FCRA. I have enclosed copies of supporting documents [ attached file ] to substantiate my claim of XXXX  payment. I trust that upon review of this evidence, you will promptly correct the erroneous information on my credit file. Please provide written confirmation once the necessary corrections have been made. Additionally, we request that you furnish my client with a free copy of their updated credit report reflecting the removal of the inaccurate XXXX  payment entry. In addition to the inaccurate XXXX  payment entry, it has come to our attention that the credit report provided by your agency differs from those provided by other consumer reporting agencies. Such inconsistencies raise concerns regarding the accuracy and reliability of the information being reported by your agency. In light of these legal obligations and discrepancies, I hereby formally request that you take immediate action to rectify the error by removing the inaccurate XXXX  payment entry from my client 's credit report. This request is made in accordance with their rights as outlined by the FCRA, and failure to comply may result in further legal action.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX SYNCB/GUITAR CENTER On XXXX of XXXX  they said I was late but on my credit score it's saying otherwise I will like this to be correct please as a paid not late
Product: Credit reporting, credit repair services, or other personal consumer reports

was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset that you guys would break the law like this. 

XXXX XXXX XXXX reporting on all 3 bureaus inaccurate XXXX XXXX  XXXX reporting on all 3 bureaus inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3 Bureaus inaccurate XXXX XXXX reporting on all 3 bureaus inaccurate Independent eXXXX XXXX XXXX Reporting on all 3 bureaus inaccurate XXXX XXXX XXXX  XXXX **** reporting on all 3 bureaus Is inaccurate and it keeps being removed then added back which is breaking another law which ( XXXX ) should be fined, its obvious the multiple inaccuracies where shown.
Product: Credit card

XXXX was looking on computer for hotel pricing. I eantrd to see a price on a discount web site. They Asked for credit card and to see price pushed the discount button to see price immediately I received a confirmation number that I purchasedwhich i did not agree. I called the company immediately and said I did not purchase this. I only want to see the cost and she said I purchased it, even though I didn't. explain to them that it was a mistake and that I did not purchase it, and she said there is a cancellation fee and that they were not going to reverse by purchase at that point. I was not concerned because I knew the would. I called Bank of America stop processing and close my account. The agent said no we have to wait till it's accepted in after it's gone through pending, and then I can put a dispute in. Therefore, I called on Monday like she instructed me and I put a dispute in which they processed as a fraudulent claim. I didn't know the difference between a fraudulent claim and a dispute and I told her to put it through both because I wasn't sure of what my scam was. She put it to a fraud claim and then in XXXX, it was denied as not a fraudulent claim. Then wrote another letter and explain to them. It was a scam and it's a dispute and I never purchased it. It was a mistake and they should be revover my money. I called the company as well and they said no. It ess {$1600.00} charge and it was {$1100.00} cancellation fee and then I would receive the {$600.00} {$500.00} difference that they said they already sent to the bank. I called the bank and they said they knew nothing about It and I re-processed it again and I did receive in XXXX the {$500.00} or maybe it was XXXX back from the bank also spoke to someone and he said that they were trying to recover the money from the institution. The scam company had already changed the name three times and the bank was unsuccessful. Again the bank fenirf my claim. Had the bank stop payment the minute I called them and close my card, we would not have this problem. I believe the bank made a mistake and they should reimburse me for my cancellation fee because it shouldn't have ever been paid in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm trying to unfreeze my credit report with Experian and they asked me to send all my sensitive data via regular mail ( Copy of driver license, SSN card, utility bills and bank account statement ). 
I mailed all this sensitive information about 8 weeks ago and no reply. 
I sent them another request via regular mail and no reply. 
Over the website it is not possible to unfreeze the credit because they say the PIN is wrong ( Which I don't think so ), customer support doesn't exist, only automated answers. 
Not sure if now someone has my personal data and I'm further exposed to identity theft. 
It is not possible to reach anybody over the phone or email, only automatic system that keep saying to send again the above sensitive data via regular mail. 
I consider this way of operating unfair and dangerous to the security of the users. 
I'm stuck with my credit frozen and I don't know how to reach someone for help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please look into my credit report because there are accounts that i have informed the bureaus that are tagged wrongly or are not updated even if i have informed them about this but they took no action so I am making this complaint.
Product: Credit reporting or other personal consumer reports

I recently discovered that fraudulent accounts were opened in my name without my knowledge or authorization, likely due to identity theft. These accounts, reported by XXXX XXXX XXXX XXXX XXXX have been inaccurately added to my credit report. I did not open or authorize these accounts, and I have taken steps to dispute their validity. 

On XX/XX/year>, I reviewed my credit report and noticed the fraudulent accounts with the following details : Creditor Name : XXXX XXXX XXXX XXXX  Account Status : Reported as active and/or delinquent Actions Taken by Me : I contacted the credit bureaus ( Experian, XXXX, and XXXX XXXX to dispute the accounts and requested their removal under the Fair Credit Reporting Act ( FCRA ). 
I submitted documentation to the credit bureaus explaining that the accounts were fraudulent. 
I am in the process of filing an Identity Theft Report with the Federal Trade Commission ( FTC ) to further support my dispute. 
Actions by the Company : The credit bureaus have not resolved my dispute, and the fraudulent accounts remain on my credit report. Despite my attempts to communicate the issue, the companies involved have not provided validation of the accounts or taken corrective action as required under the FCRA. This has negatively impacted my credit score and financial well-being. 

What I Am Requesting : I am requesting the removal of all fraudulent accounts associated with XXXX XXXX XXXX XXXXXXXX from my credit report. Additionally, I am requesting that the companies involved investigate these accounts thoroughly and comply with their obligations under the FCRA to ensure accurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/15, I called the company to close a credit card account with them. They received my closing information and closed the account. I then just sent them a message today and they still have not reported it to the credit bureau nearly 4 months later. Recently with a separate credit card with this company they did the same thing and didn't report my updated balance for months. I filed a complaint with CFPB and they finally updated it. 

Each time they are saying that they " updated their systems '' and they have not reported any and will not till their internal processes are complete. It's not my problem that the company is updating their systems. I want my account that I closed with them to be reported correctly to the credit bureaus ' that's all I'm asking.