23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX  account ending in XXXXXXXX XXXX XXXX  Account ending in XXXX, XXXX XXXX XXXX account ending in XXXX has violated my rights. 

I looked at my Experian credit card report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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. 

15 U.S.C. 1681B ( 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

I received threatening and harassing letters in the mail. This is mail fraud. There was also copyright infringement etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not been late on this account there was no full investigation on this account for late payments. There was an automated response from e-Oscar system stating the information was verified. I request physical verification in XXXX of XXXX of this year showing I was LATE as I have NEVER been late. XXXX XXXX Account # XXXX Please correct XXXX payment history as it not reporting correctly. 

Please PYSICAL VERIFICATION OF LATE PAYMENTS.
Product: Checking or savings account

The banking fees went from {$17.00} per incident to {$37.00} plus {$28.00} per incident. These fees were all incurred in 2019, XXXX {$130.00}, XXXX {$170.00}, XXXX {$210.00} ( refund of one fee  of {$37.00} XXXX, XXXX {$220.00}, XXXX {$140.00}, XXXX {$140.00} in addition to the {$5.00} per month service fee ( along with the {$5.00} per month service fee charged on my daughter 's " free student checking '' account ) and the bank continues to charge fees when they closed my account. 

The fees are out of control, this is one of this banks ( most likely any banks ) largest source of revenue ( in the top 3 ) and is up to 20 % of their revenue. They are gouging consumers ( similar to ridiculous interest rates back in the XXXX XXXX - APR 's of up to 40 % ). Why isn't this being regulated? Consumers are strapped with housing prices and inflation far exceeding the wages earned. 

I will also be seeking guidance on a class action law suit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX  XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account XXXX XXXX, XXXX XXXX  XXXX account XXXX XXXX, and XXXX XXXX XXXX account XXXX XXXX have 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has pulled my credit several times causing hard inquiries bringing credit score down, when request once in XXXX and XXXX both paid for by loan officer.
Product: Debt collection

I received a debt collection notice via usps mail from XXXX XXXX XXXX , XXXX. ( XXXX ( XX/XX/2018 ) The original credititor is XXXX XXXX, original Acct num-XXXX. The XXXX   acct num is XXXX, the current balance is {$320.00}, the current owner is XXXX XXXX XXXX. I have neither received nor applied for credit from either of theses companies. I contacted XXXX on XX/XX/2018 @ XXXX. The representative stated that the original creditor is XXXX. I have neither received nor applied for credit from this company either.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute unauthorized inquiries listed on my ChexSystems report again. The company responded to previous requests and stated that a police report was required Upon reviewing the Chex System website it clearly states a police report is NOT REQUIRED.I have attached that statement below. 
Under the Fair Credit Reporting Act ( FCRA ), companies are required to obtain my explicit authorization before making inquiries on my consumer report. Since I did not provide consent for these inquiries, I request that they be removed immediately.Please consider this letter as my formal dispute under the FCRA. I request that you investigate and delete these inquiries from my ChexSystems report. Additionally, please provide me with written confirmation once these unauthorized inquiries have been removed.I have enclosed a copy of my identification and a copy of my ChexSystems report with the disputed inquiries highlighted for your reference.Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

XXXX XXXX XXXX in the amount of {$71.00} XXXX XXXX XXXX in the amount of {$920.00} XXXX XXXX in the amount of {$1300.00} Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply.
Product: Credit card or prepaid card

Recently, after analyzing our travel pattern, I feel that we will benefit from both Amex XXXX XXXX and Amex XXXX XXXX. So I applied for both. 

I was content when the pop up appeared and told me that I was not eligible for the XXXX welcome bonus points because I already have a XXXX XXXX Card. 

However, when I applied for the XXXX XXXX XXXX, I got the same ineligibility pop up. There was no specific reason offered. I aborted the application at that time because it seemed unfair to me. I have never had a XXXX XXXX card, and I never received any kind of bonus offer with the Amex XXXX XXXX I had ( it has since then been cancelled ). Of all the conditions I read, I should have qualified for the XXXX bonus points advertised. 

I then contacted Amex. After hours of on the phone and speaking to 3 customer representatives, I was not able to get a straight answer as to why. One of them filed a complaint with Amex on my behave and told me they will contact you if they feel necessary. I was not contacted. I got all kinds of replies, some was made up ( i found out later ). But one thing in common is that they all agree that they dont understand why and that the decision was generated by a computer ( huh??? ).  And also that I have no one to talk to at that point and just have to take it. 

I am a XXXX and a responsible spender with excellent credit score. And above all, I have been with Amex since 2008, and this is how they treat their customers???!!! This is unacceptable to me and is false/misleading advertising.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2700.00}, {$1000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a balance of {$2700.00} -This is not my account. 

2. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/2016 with a balance of {$1000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Payday loan, title loan, personal loan, or advance loan

I applied for a credit card ( Navy Federal Flagship card ) and a personal loan for {$50000.00} on XXXX and I was denied. I utilized the message center requesting that my application be retracted to me since I'm being denied credit. I was told they're unable to do so. No matter the reason for my denial I have the right to credit as a consumer. Withholding my access to my securities is considered security fraud. I then called in XXXX  XXXX requesting an official adverse action on my denial and I was told they're unable to give me one. They sent me a statement of denial in the mail but it doesn't meet the requirements of an adverse action under 15 USC 1681m.
Product: Debt collection

Eastern Account System Inc is trying to collect {$1200.00} from XXXX XXXXXXXX that was never owed to the electric company
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has not legally validated a debt to Experian or me, however after I sent a certified letter to Experian disputing the misinformation, Experian continues to keep XXXX XXXX  as a negative reporting on my credit report and Experian placed further negative reporting on my report dated XX/XX/XXXX when the account closed in XX/XX/XXXX. I have provided copies to Experian such as : 1. Master Promissory note that was not signed by me 2. A letter from the loan servicer stating that the date they began servicing the loan does not coincide with the date on the Master Promissory 3. A student aid ward letter that states the loan that XXXX is reporting was not granted to me
Product: Debt collection

To whom it may concern : I recently find out the account of PRA reflecting on all my credit reports hurting my credit score. I have never signed any agreement with PRA regarding the present accounts for XXXX XXXX and XXXX XXXX. Both accounts are old accounts. 

I have tried to resolve both accounts by making an offer to PRA and explained my present circumstances by providing hardship documents ( Unemployment ) The first attempt, I have sent a letter a letter on XX/XX/XXXX making an offer of what I can afford ( 1st offered a 30 % ) ( {$910.00} XXXX XXXX and XXXX {$990.00} ) to settle both accounts ( without certify mail ) but felt was totally ignored by when receiving several bills over the mail from XX/XX/XXXX to XX/XX/XXXX in response. 

A second letter was sent on XX/XX/XXXX via certified mail along with the hardship documents to attempt to resolve both accounts. ( {$1000.00} for XXXX XXXX and XXXX {$1100.00} ) They responded to me with a letter dated on XX/XX/XXXX requesting " hardship documents '' and provided a " Permanent Hardship Request Form '' to fill out and within " 30 days ''. Along with only one bill with full balance ( XXXX XXXX ) and ignoring XXXX XXXX account. I got this letter around XX/XX/XXXX via mail. I have also provided previously hardship documents. 

Within few days I received another letter ( dated XX/XX/XXXX ) but received just yesterday ( XX/XX/XXXX ) stating " The letter confirms your arrangement made on XX/XX/XXXX with XXXX XXXX to settle the account '' for XXXX XXXX account only. 

But on the mid letter section stating : " ** The Sum of Remaining Payments under Payment Plan assumes all payments are made as agreed to under the plan**, '' Under : Sum of Remaining Payments under Payment Plan : {$1100.00} for XXXX XXXX XXXX Previously offered {$1000.00} on second letter offer ) This is very confusing to me. 

Is this a payment plan or settlement? I am not looking for payment plan. I am looking to SETTLE this account, close it and delete from all my credit reports. 

Please note : I have never spoke over the phone or mail or interact with name XXXX XXXX to settle both accounts. I have checked all bills received and none of this letters reflect XXXX XXXX. I have never made any phone calls to PRA. I only wrote the enclosed letters. Please see the enclosed documents for your review as proof.

Legally, I am exempt due to unemployment. This is my third month of unemployment. Please see the hardship copy enclosed as well. I don't feel well and I cant sleep.

Also, I have find out by doing a lot of research that PRA buy old or expired accounts cents by the dollar.

I am giving an opportunity to resolve both accounts. Before considering if filing Bankruptcy will be best option of relief as I have other multiple debts, in additon that I have lost my car and endiing with another bill. 

Many Thanks for your consideration and assistance in this matter. 

Sincerely, XXXX XXXX XXXX : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I went to check my credit report and I have notice there are some hard inquiries on credit report that I have not authorized. Ive reached out to the credit bureau to have these accounts removed but i havent heard back from the credit bureau I would like to have these account removed from my credit report
Product: Credit reporting or other personal consumer reports

I file a compliant thru the CFPB on XX/XX/year> on Transunion improper use and inaccurate information of my credit report. ( Complaint ID XXXX ) They investigated the complaint According to the FRCA " Investigatve Consumer Report means a consumer report on portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted with or who may have knowledge concerning any such items of information. 

They stated my accounts were modifed and verified accurate, but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these account are still not reporting 100 % Accurate.And according the FRCA 15 USC 1681 everything has to be 100 % Accurate as stated by law.

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ) Under the Fair Credit Reporting Act, credit bureaus, medical information companies and tenant screening services must protect consumer data. These companies must maintain accurate records and investigate when a consumer disputes information These are the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Over the past year, I had been adding funds to my XXXX account progressively, using the platform without issue. However, in XX/XX/XXXX, the merchant on the app suddenly went blank, with a message stating they were under investigation. When I attempted to withdraw my funds, totaling {$3200.00}, I was told that it wasnt possible due to the ongoing investigation. 

I contacted the merchant directly, and they informed me that there was nothing they could do until the investigation was completed. I waited patiently for four months, but there was no update or communication from the merchant. Eventually, I went back to the app to try and get more information, but I realized I couldnt even open a support ticket.

As a result, I decided to open a dispute with my bank, SoFi. I provided evidence showing that I had been scammed, detailing the time frame from XX/XX/XXXX, to XX/XX/XXXX, which is when the merchant disappeared. However, XXXX closed the dispute, claiming that there was no error in the transactions. They even said they were working with the merchant, which I know isnt true because the merchant had gone completely unresponsive.

Now, Im left unable to recover the {$3200.00} I had in the account, with no resolution from either the merchant or my bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXX XXXX XXXXXXXX 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 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 this item 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: Checking or savings account

opened a truist checking account 2 months ago, deposited a check for {$430.00} from my job on XXXX and they placed the check on hold, on XXXX they froze my account for a fraud investigation. have called them and gone to brance where no one will help
Product: Checking or savings account

My bank account was taking all of my funds out of my bank account I want payment stopped cant afford for all of my funds to be taken
Product: Credit card or prepaid card

On XX/XX/XXXX, I booked a round trip flight from New York to XXXX, with a layover in XXXX both ways, using my Chase Sapphire Reserve Ultimate Rewards Points. On XXXX XXXX, I departed for XXXX. When I arrived in XXXX on XXXX XXXX, I went to check in for my flight to XXXX. The airport staff informed me that this flight was cancelled months ago. I was left in XXXX with nowhere to stay and no information on a rebooked flight. It was a very upsetting experience, to say the least. 

I called Chase customer service on XXXX XXXX to try to work out this problem. The customer service agent informed me that she was aware of my cancelled flight. However, Chase never informed me the traveler that my flight was cancelled months ago. They withheld critical travel information from me, and would not help me rebook a flight. 

I had to work with XXXX XXXX through their XXXX customer service to get rebooked on a new flight. XXXX XXXX also told me that they informed my travel agent Chase that this flight was cancelled months ago. 

The new flight was in a separate airport, so I was forced to pay {$37.00} to take a bus to the other airport to take my next flight. I also was forced to experience an unexpected 9-hour layover, causing me to miss the first afternoon of my vacation at the destination. Overall, this was an extremely poor experience because of poor communication from Chase. 

On XXXX, I began emailing and calling the Chase hotline. A manager informed me that the bank would reimburse the bus fair by check. They said they would call me back in the next few days to confirm. 

They never called me back. 

I called back again 3 more times that montheach time, they told me the check would be there soon, in no more than 4-6 weeks. 

It is now XXXX. XXXX. I have been speaking with Chase on XXXX to try to resolve this issue and they are telling me I have to wait another 4-6 weeks to get this check.

It has been MONTHS. All I want is a check for this money, or even a {$37.00} refund on my account. I dont feel that I am asking too much, but I am being given a huge runaround from the bank. I actually feel really sad as a Chase customer right now.
Product: Money transfer, virtual currency, or money service

I used PayPal to buy a painting from a company that turned out to be fraudulent. Through email the company agreed to the refund but PayPal refuses to process and is keeping both the refunded amount and the original payment.
Product: Debt collection

The company repeatedly calls throughout the day..3 to 5 times after the payment " due date '' .I pay my bill every month within the 30 day period before its reportable. I've never missed a payment in 19 months.
Product: Debt collection

XXXX XXXX XXXX has acknowledged that they incorrectly billed me {$260.00} for account number XXXX. However, XXXX XXXX   ( FCSI ) continues to try to collect this amount on XXXX XXXX XXXX behalf even after being notified and shown a letter from XXXX XXXX XXXX stating that I do not owe the amount. FCSI has fraudulently reported the debt on my credit report causing my credit score to go down by 16 points.
Product: Credit card or prepaid card

I have been adjudicated Incapacitated/incompetent since 2015 and done have the legal capacity or authority to sign any contract or sign into any agreement, and if by chance one was it would be void. Ive given XXXX XXXX all these proofs and documents many times but they refuse to follow proper laws and remove this injustice from my credit file. My next step would be to file a complaint and action with the states attorney general office for damages.
Product: Credit reporting or other personal consumer reports

Somebody took out a loan fraudulently in my name from company happy money and it was reported to my credit report Happy money reported loan was initiated in XX/XX/year> and the last payment was also in XX/XX/year> I called them and told them I never made a payment and they are providing a fake payment history to the credit report please see the attached payment history on credit report which clearly shows last payment XX/XX/year> but they have shown paid on time for 1 year fraudulently making up a payment history this account is not mine they never gave me any documentation to prove the validity of this loan should be removed
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of certain unauthorized credit inquiries from my credit report. I am a victim of identity theft resulting from a data breach. 
Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent or unauthorized information removed from my credit file. 
Inquiries to Remove 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