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

On XX/XX/2021, I placed an order for a used XXXX XXXX on Amazon.com. A 3rd party seller called " XXXX XXXX XXXX '' sold me the XXXX for {$420.00} on Amazon.com. On XX/XX/2021, the charge appeared on my Chase credit statement. I received the XXXX in the mail. I played the console for about 2 weeks, and then it refused to power on. I tried different power outlets and held down the power button. The XXXX would not power on. 

I went on Amazon.com and requested a replacement. Amazon.com shows that a replacement order was shipped and was scheduled to arrive by XX/XX/2021. The XXXX never arrived. I contacted XXXX and they reached out to " XXXX XXXX XXXX ''. " XXXX XXXX XXXX '' confirmed that they received the XXXX I sent back. The seller refused to send me a replacement XXXX or issue a refund to my Chase credit account. I contacted Chase Bank to file a claim for a refund. Chase Bank issued me a refund of {$420.00} while they investigated my claim. Then, Chase Bank denied the claim and reversed the {$420.00} refund. I closed the Chase credit account. Now, I don't have a XXXX and {$420.00} is charged to my ( closed ) Chase credit account, the charge will accumulate interest, and the charge will negatively affect my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I co-signed a student loan for my daughter. She went back to school and applied for deferment and forbearance. ( which was granted ) I assumed all was taken care of. The company sent a letter to me showing a late payment due in the amount of XXXX that was 17 days late XX/XX/2020. Upon receiving the letter I immediately paid XXXX that was taken from my account on XXXX XX/XX/2020. Even though I was laid off work due to Covaid-19, I still took care of this to retain my credit score. I have never been late on a bill. I called the company and was told that I was late over 30 days XXXX XXXX math doesn't add up ) and that they don`t even need to notify ( by law ) that money is owed. I have tried to protest through the credit bureaus and I get the same response that the XX/XX/2020 late stays on my report. This dropped my score over 90 points. I have the letter they sent me and the proof of payment sent.
Product: Credit reporting or other personal consumer reports

In the summer of XXXX, on XX/XX/2023 I contacted JPMorganChase for a credit limit increase on my credit card. They went ahead and did that but did not warn me that they will be doing a HARD inquiry on my credit report. Had they told me so I would have NEVER asked for the increase. A while later I caught the mistake and called the bank to remove the inquiry. They admitted their mistake and they said they would send a letter to XXXX to remove the erroneous inquiry. Needless to say I checked my report last week as I was thinking of getting a new credit product and notice that the inquiry was not removed. I contacted Chase and XXXX NUMEROUS times and both organizations have been giving me run around, telling me that the other organization is responsible and REFUSING to help me. I am fed up with their XXXX  and need your help please!
Product: Credit reporting or other personal consumer reports

Applying for a mortgage and after the lender checked my credit score for preapproval my information was sold by Experian. To their lenders that are spamming me with calls offering me cash out, etc. I was surprised by the amount of info shared with them such as my address etc. I have been receiving up to 15 calls since XX/XX/XXXX After opting out from calls Im being spammed by XXXX ( XXXX ) XXXX who is insistently calling again after my credit was checked in XXXX but this person who call back the last time lied saying one of his lenders was processing my application and that my info was shared by experian again. He tried to get more info about my transaction under false pretenses.
Product: Credit reporting or other personal consumer reports

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full. 
please d check the listed late payment below Account Name : XXXX XXXX XXXX Balance : {$18000.00} Account Number XXXX Date Opened : XX/XX/XXXX Account Name : XXXXXXXX XXXX  Balance : {$0.00} Account Number XXXX Date Opened : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an authorized user on a XXXX XXXX/Wells Fargo account. I disputed inaccurate reporting on an over 30 day delinquency that was reported in XX/XX/XXXX. As a result, the update that was sent to XXXX   was a Charge-off of XXXX in XX/XX/XXXX. First, I was not contacted that the account was past due or that I was responsible for the payments. Second, the obligor filed bankruptcy in XX/XX/XXXX. In XXXX, the obligor attempted to log in to Wells Fargo 's portal to get the amount due but was locked out due to the bankruptcy filing. When the obligor contacted wells fargo, was advised that they could not speak with him. Per page 6-19 of the XXXX Credit Reporting Resource Guide, Authorized Users on  accounts included in a bankruptcy petition should either be terminated or deleted from the account because they are not contractually liable for payments. The inaccurate reporting is a violation of the FCRA. I have attempted to contact Wells Fargo, but was advised that they can not talk with me. If this item is not removed to from my credit, I will consult my attorney to take further action regarding inaccurate reporting. I never applied for credit with XXXX/Wells Fargo therefor I am not liable for the payments. My credit score has dropped 60 points due to the charge-off.
Product: Credit reporting, credit repair services, 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. 
All Accounts related to the matter : Account # XXXX : XXXX XXXX XXXX XXXX XXXX Account # XXXX : XXXX XXXX XXXXXXXX Account # XXXX : XXXX XXXX Account # XXXX : XXXX XXXX XXXX 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 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: Credit reporting

I said there was fraud information on account till I talk to the police they refused to put a fraud alert on my account
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NC XXXX XXXX XXXX XX/XX/year> Equifax. XXXX XXXX, XXXX, GA XXXX Subject : Demand for Immediate Account Removal Due to FCRA Violation To Whom It May Concern, I am writing to formally demand the immediate removal of the following account from all credit reporting Account Number : XXXX Under FCRA Section 1681s-2 ( a ) ( 3 ), it is your legal obligation to notate an account as in dispute once a consumer challenges its accuracy. You have failed to fulfill this requirement, despite my previous dispute notification. This constitutes a serious violation of federal law and demonstrates your reckless disregard for my rights as a consumer. 

Your failure to properly update the dispute status of this account means you are reporting false and misleading information. According to FCRA 1681s-2, this violation provides me with automatic grounds for account removal.

I am demanding that you : 1. Immediately remove this account from all credit reporting agencies.

2. Provide written confirmation of the accounts deletion within 15 days. 

Failure to Comply Will Result in Legal Action : If you do not comply with this demand, I will take the following action without further notice : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

Pursue legal action under FCRA Sections 1681n and 1681o for willful or negligent noncompliance, which may include claims for statutory damages, punitive damages, and attorneys fees. 

This is your final opportunity to correct your violation and avoid legal consequences. I expect your full cooperation and confirmation that the account has been removed from my credit report. 

You have 15 days to comply with this demand.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Checking or savings account

Account info Account name XXXX  XXXX Also known as XXXX XXXX  Account number XXXX Account type Secured Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$200.00} written off. {$200.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$200.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Credit limit {$200.00} Highest balance {$280.00} Terms NA On record until XX/XX/XXXX THIS ACCOUNT IS REPORTED AS A CHARGE OFF BUT I NEVER RECIEVED A 1099-C CANCELLATON OF DEBT FORM. THIS ACCOUNT IS INACCURATE AND NEEDS TO BE REMOVED
Product: Credit reporting or other personal consumer reports

Subject : Complaint against XXXX XXXX and XXXX XXXX XXXX for FCRA Violations I, XXXX XXXX, am filing this complaint against XXXX XXXX and all three credit reporting agencies regarding their handling of my credit information and potential violations of the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/XXXX, I sent a dispute letter to Equifax concerning inaccurate information reported by XXXX XXXX on an alleged account. Despite my efforts to resolve these issues, the inaccuracies persist, demonstrating potential willful noncompliance with the FCRA by both XXXX XXXX and the reporting agencies. 

Key issues and potential violations include : Inconsistent Reporting : The XXXX Credit account is reported differently across credit bureaus : XXXX reports a closed account with a Date Last Active of XX/XX/XXXX XXXX reports a closed account with a Date Last Active of XX/XX/XXXX Equifax reports an open account with a Date Last Active of XX/XX/XXXX Balance Discrepancies : All three bureaus report a balance of {$9100.00}, which conflicts with the account 's reported closed status. 

High Balance Inconsistencies : XXXX and XXXX report a high balance of {$15000.00}, while Equifax reports {$9100.00}. 

Account Status Discrepancies : XXXX and XXXX report the account as closed, while Equifax reports it as open. 

Potential FCRA Violations : Section 1681e ( b ) : Failure to follow reasonable procedures to ensure maximum possible accuracy of information Section 1681c : Possible reporting of outdated negative information Section 1681s-2 ( a ) ( 1 ) ( A ) : Furnishing inaccurate information if the debt has been paid or settled Section 1681i : Failure to properly investigate and correct disputed information Continued Reporting of Inaccurate Information : Despite my disputes, the inaccurate information persists, suggesting a failure to conduct proper reinvestigations as required by FCRA Section 1681i ( a ) ( 1 ).

Potential Outdated Information : The account may be beyond the 7-year reporting limit for negative information, as it was opened in XXXX and is now being reported as a charge-off and many other things. 

I request that the CFPB investigate these issues and ensure that XXXX XXXX and all three credit reporting agencies comply with all applicable consumer protection laws. I seek correction of any inaccurate information reported to credit bureaus, proper investigation of my disputes, and any other appropriate remedies for the potential violations of the FCRA. 

Thank you for your attention to this matter.
Product: Checking or savings account

CITI Bank as of today XXXX they still claiming they need to speak with my client which they have. They have cashed the check ( money was withdrawn from my clients account 45days ago ) and have over 45 days with my money on their hands. Account and all transactions are legit, I have contracts and the owner of the XXXX account has validated this transaction several times. 

I need my money back. How is a bank allowed to steal money from a person and nothing is done. If they do not provide me with my money I will contact XXXX responde and local news. So people can see what a horrible service this bank has! 

YOUR 1st COMPLAINT On XXXX XXXX I deposited a check on my business account from XXXX XXXX  from one of my clients XXXX XXXX XXXX XXXX XXXX  XXXX XXXX for the amount of {$4600.00}. At that moment Citi Bank decided to freeze my account stating they needed to verify the legitimacy of the check. They first requested 24-48 Hours. after this time frame when I went to the bank on XXXX they closed my account and stated I needed to wait from 30 to 60 days to return my money. Citi Bank has already confirm this check via Phone and funds have been taken from my clients account. XXXX XXXX account Manager XXXX XXXX XXXX XXXX XXXX The owner of the account went to Citi bank ( XXXX ) and they stated that since he did not had an account they could not help him. In the mean time Citi bank is holding money that does not belong to them with no other excuse but to state that they needed verification. I have provided all information and can not wait 30 to 60 days for this bank to return my money. They are playing with clients money and placing employees and companies at risk.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX opened XX/XX/2024 is showing as closed and the account is open and in good standing, also the balance is incorrect on all reports and also not showing on XXXX. information on terms is missing from XXXX and XXXX also payment amount is missing and comments are incorrect on experian and transunion comments are missing
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter to XXXX and Experian and never received a letter back. Its been more than 30 days.
Product: Checking or savings account

On XX/XX/2023 someone XXXX  XXXX  their self {$550.00} from my account, I tried to get it back through XXXX XXXX  but that didnt work. So I tried through my bank Chime Ive done a police report and everything and they keep denying. I even had a appeal of the decision more than 5 times and its the same conclusion. And when I ask them to send me documents about why and how they denied me all they send me is my police report. And I feel like that is not enough justification as to why they keep Denying me.
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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : account number XXXX account name XXXX account number XXXX Accont name XXXX account number XXXX Account name XXXX XXXX XXXXaccount number XXXX Account name : XXXX XXXX account number. XXXX. Account name XXXX account number XXXX Account name XXXX XXXX account number XXXX Account name XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXXXXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 
1692c ( b ) 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. These too : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX lXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've been sending letters to Transunion since XX/XX/year> and my letters were questioning incomplete, inconsistent, and information that doesn't meet the credit reporting requirements. I even provided proof with copies of my credit reports while highlighting deviations. One situation that stands out is the bankruptcy that is being reported. I sent a letter dated XX/XX/year> showing how the title of the Bankruptcy court does not meet the credit reporting standard and Transunion sent a response letter claiming they verified the bankruptcy and instructed me to contact the data furnisher directly, being the bankruptcy court. However, I contacted the bankruptcy court and it confirmed it does not communicate in any way with third parties including credit bureaus. I also called XXXX XXXX and the representative stated the credit bureaus DO NOT have communication with them either. To summarize, when a person disputes something on their credit report, and ask for method of verification, the credit bureau is to provide the name and address ( at least ) to the person disputing, but Transunion provided the bankruptcy court as the party who " verified '' yet the bankruptcy court confirmed in writing that they do not verify anything with credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

I consistently check my report. I notified XXXX XXXX due to it showing I was late for XXXX 's payment when it was made timely. I contacted them and was told XXXX 's payment had been missed as I have never missed a payment on this loan since I acquired the loan. I had a lot of things going on within my family when this mistake occurred. I resolved this issue immediately and made sure to make a payment and set up a deferment plan for one month in which I was told to make a payment in XXXX for an amount given which was done timely per the below agreement. 

Ally Auto Alert Ally Hello, XXXX XXXX XXXX We've got a new document ready for you to sign. 
Your document is waiting for your electronic signature. Log in before the expiration date to review to electronically sign : Retail FFP Extension Agreement Expires : XX/XX/XXXX If you don't sign your document before the expiration date, your due date won't be extended. 


Questions? Call us at XXXX Available Mon Fri, XXXX XXXX  XXXX XXXX  ET Saturday XXXX XXXX XXXX XXXX ET Closed Sunday Access XXXX  Auto Online Services at XXXX I checked my report after the deferment was paid and meet and completed. I saw there was two negative late payments shown for XXXX and XXXX when payments were made on XX/XX/XXXX for {$290.00} and XX/XX/XXXX which is under 30 days and I received a negative report of late payment for both months. I have made a dispute through Experian and this was not fixed or removed to show I was on time for the payments made. I tried to dispute this on another occurrence and was told that I could not dispute the same thing more than once. 

Please see what can be done for this to be corrected. 

XXXX XXXX
Product: Debt collection

I was called by a XXXX XXXX @ XXXX. HE said he was saying he was from XXXX XXXX XXXX. he said that I have an outstanding balance of a little over {$500.00} from an hsbc credit card. He said I stopped making payments on the card in XX/XX/2013. I asked him if he could please email or mail me some documentation showing this balance and when it was from. He went on to say that I have dodging calls and they have sent me info in the mail. He started rattling off the other addresses I have lived at. 
I told him I need some documentation cause this sounds like a scam. He said that I racked up credit card bills and now I don't want to pay. This went on for a few minutes and I started to get mad. I advised I am not dodging any past bill but I am not going to pay something over the phone with out some documentation. He was very rude and said I was not ever planning to pay. I told him I was to speak to his manager. He said he was the manager there. I then told him to transfer me to hsbc so I get more info from them. He would not do so. I told him to not call me or my family again. 
He has also called members of my family that there is an urgent matter and that I need to call him. 
I checked XXXX  and there is not any warning of an old debt. 
I called hsbc and they are not showing anything also.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting that I have a bad debt with XXXX  XXXX XXXX XXXX. My mother added me as a co-signer on her checking account. She was elderly and needed help in writing her checks. I even called and spoke with a Supervisor that verified for me that I was not responsible for my mothers debts. 

She passed away in XX/XX/2016. I notified them immediately and they drained her checking account to pay on her credit card with them. I was not on her credit card. They told me I needed to pay her balance. I referred back to the earlier conversation that I had with a Supervisor. They even admitted to notes verifying that is what they told me, however they said someone had to pay. I was not on her credit card. I didn't have access to use that account. They can not hold me responsible for my dead mother 's debts.
Product: Credit reporting or other personal consumer reports

Do not recognize these credit inquiries and you have asked for them to be removed and the bureau did not do as you asked. I am providing and identity theft report, I am requesting them to be removed because they are in accurate and not yours please removed my credit report Transunion XXXX XXXX XXXX