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

: Method of verification Highly Requested Under XXXX U.S.C. XXXX ( 7 ) Method of verification As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under XXXX U.S.C. XXXX ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph XXXX usc ( 6 ) ( B ) ( 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 ; by not later than 15 days after receiving a request from the consumer for that description. 
Please send the following information used to validate the validity of the invalidated items below XXXX XXXX XXXX XXXX They are a third party company who is committing fraud saying I owe them and Ive never spoken to them ever Remove asap XXXX XXXX XXXX They are a third party company who is committing fraud saying I owe them and Ive never spoken to them ever Remove asap 3.All Inquiries I was never warned or notified about a inquiry Items Highy Requested The name of the original creditor The creditors address and telephone number The persons name they verified the dispute with The documentation original contracts used to validate the dispute. 
Also the procedures your company have in place to ensure each account is 100 % correct which i doubt.. 
IF YOU CANT PROVE IT YOU MUST REMOVE IT OR PAY XXXX per VIOLATIN YOU ARE COMMITING. 
In accordance with XXXX XXXX CXXXXe XXXX ( b ) Compliance procedures I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. if you fail to comply with this request and send all documentations that prove you seen and were sent valid documentation to say these items are 100 % accurate you will be held liable under XXXX XXXX CXXXXe XXXX and XXXX XXXX CXXXXe XXXX Civil liability for negligent noncompliance I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, and pursue legal actions with everyone doing business under my name
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit agencies have been reporting inaccurate information on my credit report. 

15 U.S.C. STATES 1681 SECTION 602 A. STATES I HAVE RIGHT TO PRIVACY.

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. 

ALSo THE CREDIT BUREAUS TOOK MORE THAN 30 DAYS TO COMPLETE MY INVESTIGATION. HERE IS MY CERIFIED MAIL TRACKING NUMBERS # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I've sent letters to credit bureaus on XXXX XXXX. I have yet to have received a investigation nor received any results in my mail. I've contacted furnisher for updates also.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX Account # XXXX, has 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 an account without my written instructions
Product: Money transfer, virtual currency, or money service

My bank account was wrongfully closed multiple times over the past 3 years, due to an unexpected encounter with a Cyberstalker who sent me multiple photoshoped and real counterfeit checks, in which led to my bank account having to be closed and reopened 3 times. Since information was wrongfully stolen and my account overdrafted the bank made a business decision to terminate my checking and savings account. This causing hardship in my daily life. This individual called the bank pretending to be me on multiple occasions to authorize large withdrawals. The amount lost was over $ XXXX over 3 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX, XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX  XXXX Original creditor : XXXX XXXX XXXX XXXX Balance : {$2200.00} ; XXXX XXXX  XXXX Original creditor : XXXX XXXX XXXX XXXX Balance : {$2400.00} ; XXXX XXXX XXXX Original creditor : XXXX XXXX  XXXX XXXX Balance : {$2000.00} ; XXXX XXXX Inquired on XX/XX/2022 XXXX
Product: Credit card or prepaid card

I applied for a credit card via the XXXX XXXX website on or before XX/XX/. Now, I was not able to charge my flight to the card to benefit from applying. I was told that I had to wait to get the card in the mail. At the time of applying I was not being charged an Annual Fee of {$79.00}. Why should I pay XXXX to pay XXXX XXXX {$30.00} XXXX in Compensation. 

I have never used this card. This card is attempting to collect a debt, I do not owe, nor did I agree to this charge. The card is currently, past due this annual fee. They say, I have been late since XXXX. I do not want to have this reported negatively on my credit report nor do I want to use. 

Could you tell me if I close the account will it negatively affect my credit report score. I have excellent credit.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XX/XX/year>, XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX. XXXX XX/XX/year>, XXXX XXXX XXXX  XX/XX/year>, XXXX XXXX XXXX XX/XX/year>.
Product: Credit card or prepaid card

Disputed a cellular company charge to my Discover card. I do not have cellular service now despite being paid through XX/XX/XXXX ( today is XX/XX/XXXX ). Cellular Company was contacted by myself 3 days ago regarding my issue. All communication done via chat on their web site. Nothing has been done to resolve my issue by cellular company. Was a {$40.00} charge. Have not been contacted by cellular company. figuring is not worth it doing business with a company like that. Initiated a chat session with discover to dispute this card. Kept getting logged out of their chat room due to issues on their end. After about an hour. I was told to contact XXXX by the discover chat CSR. My discover card is set as a payment methomd in XXXX. The cellular provider directed me to the XXXX web site to use one of my credit cards set up there as payment. XXXX happens to be one of my payment preference methods. I again used my discover csrd to pay for this cellular service. Had nothing to do with a service I did sold by XXXX  or another authorized XXXX company. Was a cellular service through a company that only utilized the XXXX site for payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/2015 I signed a lease on a XXXX XXXX XXXX. When talking to the finance manager I understood that my total price with all fees and included would be {$58000.00} in total. I also understood that I would be putting {$20000.00} which would include {$20000.00} down {$600.00} taxes and {$290.00} first payment. I also understood I would make 48 payments of {$290.00} that would total {$13000.00} which included {$7600.00} in that total for depreciation. So added with my {$20000.00} plus {$13000.00} my total I would have in this vehicle would be {$35000.00}. When I asked the fianc person how much I would have left at the end of my lease the finance person told me about {$25000.00} dollars. My total in was {$35000.00} you subtract that from {$58000.00} dollars you are left with {$23000.00}. So Im thinking this is great I can pay cash for the car at the end of my lease. Now Im at the end of my lease I found out from gm financial P.O. XXXX XXXX XXXX, Tx XXXX ( XXXX ) XXXX that my payoff is {$31000.00} and the finance guy obviously lied to me. This total which would be {$35000.00} that I have already paid plus the {$31000.00} they want me to pay would make the vehicle {$66000.00}. This total is know where in the contract? I was furious when I found out I started emailing XXXX XXXX the Ceo of gm XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX tel:XXXX. I got a response from gm financial they were no help. Then I got a phone call from XXXX XXXX XXXX Executive Resolution Liaison Phone : XXXX extension XXXX. They were no help standing by the company even if there wrong. They also put me in contact with XXXX financial director from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX ( XXXX ) XXXX. He was the same way not willing to look at the mistakes that have been made. In my contract I just learn the money factor should of been listed how they got the residual value it wasnt told to me and isnt listed on the contract. I have tier 1 credit and was told my residual value shouldnt be this high. Also on XX/XX/2015 I was sent a notice my contract wasnt right and no need to do another contract. In my contract listed on line 20 it plainly states that any changes a signature by me an the dealership must be in writing. Which they didnt do.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about  XXXX   XXXX ,  2017 , I visited the Experian website to view my credit report. I thought I was entitled t o one free c redit report a year. On  XXXX   XXXX ,    2017, I noticed that Experian charged my Visa card for {$21.00}. I contacted Experian and  was told I entered into a contract for credit monitoring services, and I would be charged {$21.00} each month. I cancelled the contract immediately. The representative said I would receive a refund for the {$21.00}. I waited until  XXXX   XXXX ,    2017,  and contacted Experian a second time to ask about my refund. This time I was told that I would not receive a refund. Furthermore, there was no record that the representative promised a refund in our  XXXX   XXXX ,    2017  phone call. There is no way I entered into a contract with Experian on  XXXX   XXXX ,  2017 . I could not cancel a contract within 7 days if I was not aware that I had a contract. The Experian website is fraudulently charging for a service it does not provide. I received nothing from Experian notifying me of a contract. I encourage everyone to avoid the Experian website.
Product: Credit reporting or other personal consumer reports

XXXX XXXX did two unauthorized credit inquiries with XXXX, XXXX, and Experian back on XX/XX/XXXX and XX/XX/XXXX on my credit report. I have did not authorize this and have not applied for a credit card their company. I mailed letter to them with my Driver License and XXXX. XXXX XXXX XXXX ID showing my identify. My SSN and identify has been compromised in the past. I had to do a police report back in XXXX of XXXX. XXXX XXXX has failed to respond to any other my letter even the certify letter. XXXX XXXX should removed the credit inquires for the dates above with all three credit bureaus describe above. I don't what other actions to take and have come to the Consumer Financial Protection Bureau for help with XXXX XXXX. They won't respond to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 

XXXX XXXX ; XXXX XXXX XXXX  XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX
Product: Credit reporting or other personal consumer reports

I requested that Experian Credit Bureau investigate this matter and provide me with written confirmation once the updates have been made. Additionally, I would like to receive an updated copy of my credit report reflecting these changes. 
XXXX XXXX : Should you require any further information or documentation, please do not hesitate to contact me at XXXX or via email at XXXX you for your prompt attention to this matter.
Product: Checking or savings account

I was trying to open a business account for my business with Bank of America during the week of XXXX. Upon speaking with my business specialist who was setting up my account got a flag message and she told me I needed to call the recovery department I said ok. I was confused as to why I needed to call that department. Upon speaking with the young lady in the recovery department she informed me that I had an account in XX/XX/XXXX that closed in the early part of XXXX but these accounts were in bankruptcy I stated to her yes I filed XXXX  XXXX in XXXX on my personal ss # and i know you all aren't trying to collect on a bankruptcy she stated no maam we can not collect on this and you should be able to proceed to finish your business banking. I said ok thank you. I returned the call back to my business specialist and she told me before she proceeded to call back the recovery department and ask them to revise or remove the notes in the account to the underwriting can see them. Therefore, I returned the call back to the recovery department and informed her of what I needed to be done she told me that she couldn't make any changes to the account I will need to contact the risk department which she transferred me over and gave me their phone number and I spoke with a lady in this department that i also stated what I needed to be done and was told this department ins the only one that can do it. She stated that she couldn't revise or remove any notes from this account and I asked her why she said she didn't have to give me a reason that they can close the account for any reason and I don't need one. Therefore I stated to her that you all are blocking me from banking services which violates my rights and I will report you all to FCRA and the FTC she then went on to say let me ask my supervisor. Upon her return after speaking with her supervisor, she stated that I can go inside and apply and TRY to get approval, and if it goes through but it doesn't oh well I said what is that supposed to mean she then stated that they weren't gon na remove the notes and that I will never have any services with them of any kind so if the account does get open they will close it again. This is stopping me from getting the business things I need done and taken care of. without any good explanation to me maybe because I'm a XXXX XXXX  I'm unsure or because I filed bankruptcy on my personal accounts. Either way, I'm discouraged. Being rude toward customers isn't the way things should be handled.
Product: Money transfer, virtual currency, or money service

I sent three {$230000.00} international wire transfers in XX/XX/2023 for emergency use and the Chase bank send one of them and cancelled the other two transfers, and closed my account without giving reasons at the end of XX/XX/2023. I consistently contact the bank since then, and the Chase Bank said that they will send me a cashier 's check and a letter to explain the reason of the closing of my account in 16 business days. However, I haven't receive any check tile now and got the letter on XX/XX/XXXX with the letter indicating the issuing date of the letter on XX/XX/XXXX, and in the letter, there had no explanation on the reason of the account closing except saying they are closing my account to protect me. 

By their instructions, I submitted the official document of the wire that I received from my father before sending the three wires by going to the Chase Bank Branch and uploading the documentation through their platform. After satisfying their requirement, they asked me to submit an extra note from my father with signature on it, which I also submitted by the same method, with other supplemental documents that they haven't asked for, including documentations to prove of my relationship with my father, the ownership of my father and his company sending the wire, and the translations of any documents that are in XXXX. However, after about 2 weeks of reviewing, they rejected the documents and clarified all the information they provided was misinformation, and said that they can only accept voice verification. However, they do not accept international calls and my father must register a US phone number under his name, or he has to recall the wire. As my father 've consulted his bank that he can not recall the wire, and since he is in another country, he can not come to the US for registering the phone number. The Chase Bank refuse to provide any other resolutions to release my money suspended by them for 5 months without giving any reason or explanation, and keep giving me all the misinformation that I've recorded in all the phone calls with them.

I contacted the Bank regularly through both making designated calls and going to the branches since XX/XX/2023, and got refused to provide any more information on the progress, including date for check releasing, contact methods of the organization/ department in charged, and any kinds of updates. As indicated by multiple calls that I recorded, only the back office of the Chase Bank can decide if they will release my check, which does not have any form of contact, including phones, emails, or fax. The progress have not been updated until XXXX, and they've kept giving misinformation that does not consistent with their previous statements, and requiring me new things after I satisfied what they were asked leaving me to wait in a week each time. I currently want to get my money back which they claimed to do so 5 months ago and have a direct resolution on this issue.
Product: Debt collection

sent company verification letter and only received an old credit card statement I'm not under contract with this company and they have a charge listed for XXXX in fees with no information or explanation of these fees also I am not under any contract with this company they own the debt therefore I'm not legally liable
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to get fraud accounts investigated and removed from my credit report since XX/XX/XXXX. The bureaus have been non-responsive each time. I have proof from USPS certified mail tracking that the letters were delivered and signed for and yet the bureaus have ignored my requests. Per USPS, the letters were delivered on XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Not only are the accounts still showing on my report, they are not even under investigation. I have received no letters regarding the status of my requests either. This will be my last option before I escalate this matter through the legal channels. I have been patient through this process but the bureaus seem complacent enough to violate my rights under the FCRA and the federal law, and they can answer for these violations to the court themselves.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX I have several items on my credit report that are not mine. I noticed it because I recently applied for an apartment and I was denied so it prompt me to check my credit report. I have reached out to the FTC and to my local police department. These items listed are not mine and need to be deleted from my credit report. I am doing this on my own behalf. XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX, XXXX, Inquiries : XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  AND 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying for months to get this company to remove it's inquire from my credit report. I did not request a credit card from them, they refuse to submit documentation of proof of an application from me, despite numerous letters sent asking for this proof so that it can be review. I have put alerts on my credit reports since the breach. I want proof from this company that an application was submitted to them, if so then I can use it as proof that my information has been compromised.
Product: Credit card or prepaid card

On XX/XX/XXXX, a purchase of {$310.00} was made at XXXX XXXX XXXX  XXXX in XXXX XXXX, FL on my Comenity XXXX XXXX XXXX credit card. Due to COVID-19, customers were not allowed to try on items in-store. Customers were instead informed to purchase items and return items they could not wear within 30 days. On XX/XX/XXXX, I attempted to return the items that did not fit with the original purchase receipt in-store ( items were intact, unused with tags in original condition ). 

Per customer service agent, I was informed that the merchant had filed for bankruptcy 2 days prior, and I could only be provided with a store credit ( in the form of a merchandise credit card ). Although displeased with this outcome, I accepted the card with store credit to the amount of XXXX. When I attempted to use the merchandise credit card on-line for a subsequent purchase in the amount of {$190.00} on XX/XX/XXXX, the pin code did not work. I purchased the items using my XXXX XXXX XXXX store credit card instead. I had previously attempted to use the card online as advised after my initial return on XX/XX/XXXX, and it also had not worked at that time. 

I contacted the merchant to refund my {$200.00} on my Comenity backed, XXXX XXXX XXXX store credit card as the merchandise credit card did not work. A dispute was filed, but I have not received follow-up as to the result of my dispute nor has my money been refunded to my original store card payment method. I still possess the merchandise card which should have the full balance of {$200.00} as I could NOT make purchases with it.