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

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
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
Product: Credit reporting or other personal consumer reports

I logged in XXXX and it doesnt show current credit information. i sent my license, social security card, and an utilitiy bill over 2 months ago. 2 times in the last 60 days. Equifaxes systems are not working properly and all the reps do is ask for the same information. and they say to mail the items. there should be a document upload feature to expedite the process. Fax would also be a great idea.
Product: Credit reporting or other personal consumer reports

My old email and phone number have been compromised. This resulted in credit accounts being created, used, and accessed in my personal name without my permission. I have not approved application or any of these negative charges now showing on my credit report. I do not understand how someone was able to so easily access my information and open these accounts. I declare that I do now have ownership of any fraudulent activity used under my information and I request it to be removed.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card

I am filing a complaint on behalf of a reward dispute that occurred with Cit Bank Group for my Citigold checking account. The reward was for XXXX XXXX XXXX points after completing the necessary spending requirements ( which were met ). Despite receiving repetitive confirmation from Citi Bank both via writing and phone that I would indeed receive the bonus points, Citi Bank eventually withdrew their offer from me without any justification. Additionally I was charged a $ 30 monthly fee to keep my Citigold checking account open while I was waiting for my points, which now, according to Citi, I will never receive. 
I suspect that Citi Bank intentionally provided me with dubious information in order for me to stay a Citigold customer and continue to pay the $ XXXX monthly fee for their service. 
I have ample amounts of documentation to support my claim that Citibank confirmed the promotion and then went back on their word including an inquiry that Citibank, itself, filed in XX/XX/XXXX confirming I was eligible for the promotion which they obviously never honored.
Product: Credit reporting or other personal consumer reports

Experian closed this complaint like the last a computer generated response that absolutely idiotic
Product: Checking or savings account

CHIME HAS FAILED TO SUPPLY A REFUND FOR CLOSED ACCOUNT ON XXXX XXXX IN THE AMOUNT OF {$1500.00}. I HAVE NOT RECEIVED ANY ACCOUNT CLOSURE CHECKS THOUGH THEY STATE TO ME THAT THEY HAVE MAILED THEM OUT. I HAVE NO KNOWLEDGE OF WHO HAS ACCEPTED DOCUMENTS OR MAIL ON MY BEHALF AND DID NOT SIGN FOR THE CHECKS TO BE CASHED AT ANY POINT. I DEMAND THAT I BE SUPPLIED WITH MY CLOSURE CHECK OF {$1500.00} and the additional amounts of {$600.00} AND {$370.00}. The amounts of {$600.00} and {$370.00} are for a charge for merchant named XXXX that falsified records and I had to make a police report about XXXX and the fraud that took place. TOTAL AMOUNT THAT CHIME IS TO ISSUE A CHECK FOR IS {$2500.00}. Attached is a police report regarding the XXXX incident. Attached is a XXXX report showing that I did not receive any package and that it was signed by a " XXXX XXXX " which is not my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Treating these reporting accounts as unconfirmed information is unacceptable without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update or correct them immediately : XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I am sending this complaint because of this company XXXX XXXX they are putting false information in my credit report I guess a debit collector to over the debt and they are putting that this loan was opened 3 min ago witch is false information this was opened in XXXX an the amount listed is not correct and the dates are incorrect I asked for this debt collector company to send me proof that I even opened a loan with them 3 months ago I have not heard nothing back I ask for proof that this loan was signed by me on XX/XX/XXXX as they listed on my credit report witch is incorrect information I never signed anything with this company on XX/XX/XXXX and they have no proof stating or wet signature that I did this loan was open with this company back in XXXX and the debt collector NCA as they are listed on my credit report listed this as a new debt just opened and that not true I want this investigated and removed from my credit report because its false information.
Product: Credit reporting or other personal consumer reports

My credit report contains hard inquiries that I did not permit, which violates 15 USC 16c-2. This incorrect data is harming my credit, so I ask for their removal.
Product: Credit card

My American Express credit card number was stolen and used fraudulently for purchases at XXXX different locations of XXXX XXXX in XXXX. I was completely unaware that my card was compromised until American Express finally blocked a card. I follow everything that American Express told me to do : filed a police report, completed a fraud form and submitted it to American Express. After three months of so -called ''investigation '' i received a letter from fraud investigation department stating " We regret to inform you that your claim can not be accepted as a fraud and your account is turned to a collection department ''. On the date XXXX XXXX, 2015, when the fraudulent purchases were made at XXXX XXXX XXXX, XXXX, for {$2900.00} and then again at XXXX XXXX, XXXX, for the same amount {$2900.00}, i used my card in XXXX, XXXX to pay for lunch at cafeteria at the hospital where i work. I would assume that this should bring red flag and prompt American Express to take some action, but no, those charges went unimpeded. After successful shopping at XXXX those criminals had a chicken lunch at XXXX, XXXX and paid with my credit card {$29.00}. Also they serviced a car at XXXX, XXXX, for {$75.00}. Next they waited and used my credit card numbers on XXXX XXXX, 2015 to shop again at XXXX XXXX in XXXX, XXXX, for {$2800.00} and at XXXX XXXX in XXXX, XXXX for {$3600.00}. Those charges went unimpeded as well. On XXXX XXXX, 2015 i used my credit card to pay for parking my car at the parking garage in XXXX. American Express Fraud Investigation Department conducted so called investigation and came to conclusion based on ''history and notes '' that this is not a fraud and therefore i have to pay for fraudulent unauthorized charges on my account which they, by the way, closed and opened another account for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking over my credit report today and I noticed that an inaccurate account listed by XXXX XXXX XXXX now contains a past due balance. This is listed as a collections and from the laws that i have read a collection account can not have a past due balance as a collection is past due by default. Please delete this inaccurate account from my credit report for failure to accurately list this item. 

XXXX and XXXX are both reporting this inaccurate account which is damaging my credit. Neither XXXX XXXX XXXX, XXXX nor XXXX has provided me with any kind of validation of debt and I've asked multiple times. This is in clear violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing because some wrong account in credit report is not belong to me. Some personal info was stolen and used. I am requiring to remove this fraud items from credit report. 
Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine. 
Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
Product: Debt collection

I have multiple medical debts on my credit score with TransUnion and XXXX. I did not give permission for my medical files to be released this is a HIPPA violation and I will be taking legal action if not removed. On top of that I did not receive any notice of debt. 4 collections through XXXX, 1 collection with XXXX, 5 collections through XXXX on transunion. 1 collection through XXXX on XXXX, and 1 collection with XXXX XXXX, 4 collections through XXXX on XXXX. I am disputing all of these on legal grounds
Product: Credit reporting or other personal consumer reports

The Account that is disputed is for {$XXXX} it is also saying it is a XXXX balance to XXXX XXXX XXXX and they are the XXXX creditor which is false/inaccurate and misleading. 
There are also XXXX other accounts that show being closed which needs to be deleted as well per 15 USC 1601, 15 USC 1681 and 15 USC 1692. All names, addresses and phone numbers need to correct to the current information.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Case No. : XXXX I previously filed a complaint on XX/XX/2020 disputing inaccurate information on my credit report. To date, I have not received a response to this complaint from the company. Santander stated they were unable to locate account and requested VIN number. I provided the VIN number ( XXXX ) and the company has failed to respond.
Product: Money transfer, virtual currency, or money service

I had noticed unauthorized transactions on my accounts for the dates XX/XX/22, XX/XX/22 and XX/XX/22 for an amount totalling {$2600.00}. I had contacted Wells Fargo yo dispute the claims and was notified that they had launched an investigation. After 10 business days without an update I contacted them back and they said that I had authorized the payments and would not be eligible for a refund. The agent ( XXXX XXXX said they can do nothing now since the claim has been closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my credit be permanently unfrozen with XXXX  and XXXX  on XX/XX/2021. Third Federal Savings and Loan is attempting to process a mortgage pre-approval for me and they said my credit is still fully frozen one week later XX/XX/2021. I have attempted to contact XXXX  and XXXX  by phone, by email, by social media XXXX XXXX, XXXX, XXXX XXXX and there is no option to speak with a person about what is going on and why my credit is still frozen. I don't know if the credit bureaus are wrong or if the bank is wrong, but I can't get any new credit because I can't even get ahold of the bureaus to ask them what my next steps are. I've gone through every automated option on their phone systems and tried emailing them and there is no option to speak with a human person. None of their automated options are what could help me. I don't know what else to do. Thanks.
Product: Mortgage

Over the past XXXX weeks since XXXX  has been under a stay at home order due to the CoVid19 pandemic I have been unable to work and have contacted Rushmore Loan Management on multiple occasions to try and arrange a deferrment/forbearance option. Even though XXXX has declared XXXX a federal disaster state, they are still not offering me any relief on my mortgage that they bought from XXXX XXXX XXXX  months ago.
Product: Credit card or prepaid card

Dear Consumer Financial Protection Bureau, I am writing to lodge a formal complaint against JP Morgan Chase in relation to my Marriott XXXX XXXX XXXX. I have always maintained a strong credit history, regularly making timely payments on my account, which had a credit limit of {$9000.00}. 

In XX/XX/, I was informed by Chase that all my accounts were being closed. Understanding the situation, I attempted to make payments in person at a Chase branch located at XXXX XXXX XXXX, XXXX, CA XXXX, because I could no longer make payments online due to the closure of my accounts and not having any other bank accounts at the time. Despite my efforts, the bank 's system did not permit me to make payments on two separate occasions. 

Due to these circumstances, I decided to open a checking account with XXXX XXXX in order to continue making payments towards my credit card balance. However, because the account was new, a check was not processed on time, resulting in a non-sufficient funds ( NSF ) decline. Chase subsequently reported my account as delinquent to the credit bureaus, causing a substantial drop in my credit score. This has affected my livelihood significantly. 

I have since paid off the balance of my credit card account, but the negative mark from Chase remains on my credit report, continuing to impact my credit score and financial opportunities. I believe that Chase has not treated me fairly in this situation, particularly given my efforts to make payments despite the obstacles presented by the closure of my accounts. 

I kindly request the Consumer Financial Protection Bureau to investigate this matter and take appropriate action. I believe it is only fair for Chase to retract the negative comment from my credit report since the delinquency was not due to my negligence but rather to their system 's restrictions. 

Thank you for your attention to this matter. 

Yours sincerely, XXXX XXXX XXXX
Product: Vehicle loan or lease

I called to see why my payment hasnt posted and turned out that this is a debt collection company. This account was solely with US Auto. US Auto sold my debt to XXXX without my knowledge. This is a clear FTC violation of code 15 USC CODE 1681S-2.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Equifax in XX/XX/ and again 90 days later. They are refusing remove these unauthorized inquiries. I want them removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been victimized by your company reporting erroneous information. After several attempt of trying to rectify the matter with your bureau in civil manner, my attempts have been unjustified and ignored violating the FCRA and my rights as a consumer. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Capital One Bank for apparent violations of the Equal Credit Opportunity Act ( ECOA ), which I believe may constitute securities fraud. I am deeply concerned about the denial of my credit application by Capital One Bank, as I assert my rights as a consumer under the ECOA. 
Violation of Equal Credit Opportunity Act ( ECOA ) : I, as a consumer, am protected under the ECOA, which prohibits creditors from discriminating against applicants on the basis of race, color, religion, national origin, sex, marital status, or age. I believe that the denial of my credit application is a direct violation of my rights under this Act. 
Securities Fraud Implication : Denying credit without valid reasons may be indicative of securities fraud, as it potentially misrepresents the financial standing or creditworthiness of the consumer. Such actions can lead to false information being provided to investors and shareholders. 
Consumer Rights to Credit : The extension of credit is a fundamental consumer right. Denying this right without clear and justifiable cause not only violates my rights under the ECOA but also raises concerns about fair and ethical lending practices. 
I request that Capital One Bank either returns my credit application unendorsed or proceeds with the consumer transaction as per my rights. I believe that any denial of credit should be based on valid and non-discriminatory factors, and I request a thorough investigation into this matter. I kindly ask the Consumer Financial Protection Bureau to investigate this complaint and take appropriate action against Capital One Bank if any violations are found. I am also open to providing any additional information or documentation that may assist in the investigation. 
Thank you for your attention to this matter. I look forward to a resolution that upholds consumer rights and ensures fair and transparent financial practices.
Product: Payday loan, title loan, or personal loan

Upstart has continuously charged interest on extra principal payments. When I started paying the monthly payment, the interest charge was reasonable. I paid a total of XXXX and was charged an interest of XXXX from it. As time went on Upstart began to take over 60 % as charge even after paying more.
Product: Credit reporting or other personal consumer reports

I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and unauthorized. 

Account Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I had a company called XXXX debit {$59.00} for a monthly membership accidentally on/ or around XX/XX/year>2024. Once I notice I immediately requested a refund which they agreed to process on XX/XX/year>2024. I waited the maximum ten days that the refund would take which was on/or around XX/XX/year>2024 and reached out to WINC via email. They immediately responded with confirmation that the refund was done. I did not immediately call my bank to confirm I instead allowed another ten days which places us on/or around XX/XX/year>2024. I reached out to XXXX again and they were able to send attached proof of the refund. I waited again before calling my bank. I finally decided to call my bank only to have them tell me they not only show no proof of refund but no records of me being charged. I know I received the charge from XXXX, I am not a wealthy person so I notice any lost funds from my available balance. Navy Federal told me there was nothing they can do and no further research is possible in order to find this transaction. With previous refunds I see the record of the credit being applied, in this instance its like it never happened. XXXX has proof of transaction ; NAVY FED is stating it never happened but I know my balance is/was incorrect.