23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have a card with Chase Bank ( Amazon rewards ), which I 've had for at least 7 or 8 years. I have managed this card very well and have utilized less than 20 % of my available credit limit. On or around XXXX/XXXX/15, I called into the customer call center to request a balance transfer option, as I wanted to transfer a higher rate balance to my chance card for a lower amount. The woman that I spoke to identified herself as a manager who informed me that she personally has a Chase Freedom card. She explained to me that while the option was not currently available on my online account, she would request the marketing department to enable the balance transfer option for me, and I should see it most likely within 3-5 business days. She explained to me that the managers can request this on behalf of customers, and that customers sometimes stop getting the balance transfer offers when they do n't use them. She advised me to check the online account or call back to see if the offer was available, as the marketing department did not take customer calls. This manager sounded Caucasian, and also had an XXXX which I placed to be from the XXXX of the US. It was clear at the end of the call, that Chase would accept my balance transfer, so long as it was under my total credit limit on the card. 

I called back a few days later to check on the status, and the person at that time informed me that the balance transfer was still *in process. * I called back again sometime last week ( on or around XXXX/XXXX/2015 ) and spoke to another supervisor who claimed that all of the above was impossible, and there was no way to request balance transfers. 

I do not appreciate conflicting information, and am very eager to receive the balance transfer offer which I was promised. My understanding after speaking to the first manager was that I would receive this balance transfer offer very soon. I have a deadline to transfer the funds before the end of the month, and given that a manager from Chase offered me this option, I will hold Chase responsible for any interest charges that I accrue after XXXX XXXX, 2015. 

Thank You, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX completed an investigation of credit report, no resolution. Stated a company XXXX XXXX provided information. 

XXXX XXXX XXXX have no such information per a letter mailed to Me. Also inaccurate information still reported on file. XXXX XXXX complete investigation on XX/XX/23 but informed your company its still pending. Spoke to XXXX at XXXX XXXX, no public information regarding bankruptcies only insurance information and also address and phone records. XXXX XXXX XXXX  XXXX. 
FCRA 15USC 1681 a this is clearly a violation of this company. 

After your company notified them they adjusted my name as on your report to match information. I do not have a middle name NA. The letter from XXXX XXXX  contains a PIN number and hyperlink which displays all information held in XXXX XXXX files. I have forward this info to XXXX as well. Still no resolve
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the MEDICAL DATA SYSTEMS I XX/XX/XXXX via each Bureau who sent my dispute directly to Medical Data Systems. I requested them to please investigate and delete from my credit report. They didn't respond. After they sent this I asked them to send me a breakdown of what they are alleging that I owe, the breakdown of fees, or bills and who the information came from. They DIDN'T RESPOND. I waited until to this matter was followed up with another letter from me on until XX/XX/XXXX to send a reminder letter and they also didn't respond. As of Today I still have not heard back from MEDICAL DATA SYSTEMS I. I am allowed under the XXXX law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to ANYONE, for them to release my medical information to a third party. I understand that the XXXX does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and XXXX authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you Please note that withholding the information you received from any medical provider in an attempt to be XXXX compliant will be a violation of the FDCPA because you will be deceiving me after my written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt. IT HAS NOW BEEN OVER 90 DAYS SINCE THEY HAVE RECEIVED MY ORIGINAL LETTER. Being that they haven't responded means that they couldn't verify the information and therefore not only violated FDCPA but also XXXX. This account, account number # XXXX to be removed from my credit report immediately being that it is inaccurate and violates the regulations of the FDCPA and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a collection appear on my XXXX  credit report from this company. I have no knowledge of this collection. I have sent multiple letters asking to verify the debt, I have called and received no help in verifying this debt. Multiple attempts have been made over the last 4 months with no success. This account is not mine and needs removed from my credit report immediately.
Product: Prepaid card

I purchased four {$500.00} visa gift cards from XXXX that are US Bank branded cards on XX/XX/23. I have tried to use them multiple times and called multiple times to try to get them " unlocked '' to no avail. US Bank is non-responsive.
Product: Debt collection

I was originally harrassed by a medical debt collector by the name of XXXX XXXX for the amount of {$240.00}. It was put on my credit report in XX/XX/XXXX. They constantly threatened to sue me, and called several times a day, said they would garnish mine or my husband 's wages, etc. 
After researching their state license here in Tennessee, I found out they are not licensed and have not been since XX/XX/XXXX. They sold the debt off, or began operating under the company called Wakefield and Associates, which is licensed in Tennessee out of Colorado, and the debt was re-added to my  credit report under the Wakefield name.

I believe that the two companies named have broken several laws including HIPAA, and I have no contract to pay the listed amount to the current debt collector, Wakefield.
Product: Checking or savings account

My debit card was stolen and used by an individual that I knew well multiple times. I reported this to Capital One when I first discovered it in XXXX of 2019. They took my information and over a month later denied my claim for the amount stolen, {$2900.00}. I asked them to send me the information from the investigation. They sent pictures of the person using my ATM Card, and pictures of me using the card on different days. They refused to let me appeal. a month or 2 later, the same individual got my credit and debit card account information and stole even more money from me. I asked capital one to not allow my accounts to be used at all, and they refused. My new credit cards were shared with various merchants, which allowed this individual to get the new information and keep stealing from me. They paid my claims the second time. I asked for the investigation information, and they refused to give it to me. Meanwhile this person was stalking me, broke into my house, and was continuing to try to use the cancelled cards, which caused repeated emails to be sent to me, and opening various accounts on the internet with my information. I could not get this to stop until I closed my checking, savings, and credit card accounts. This caused a huge problem because I had several accounts on autopay, and even when I paid those accounts on time with a new account ( which took 1-2 weeks to fully set up ), I was charged NSF fees simply because the account was closed. I asked capital one to cover these since otherwise I could not stop the fraud from continuing, and they said no. I called several more times to try to get the information about the person using my account, and capital one said they could not disclose it to me because it was private. After spending hours contacting various vendors, I was able to get the information and verified that the same person was responsible each time. This person has seen been exposed as a career con artist and defrauded many people as well as imitating wounded warriors charity and receiving several thousand dollars that way. He is now XXXX  on unrelated charges, but capital one has refused to give me any information to bring to the police.
Product: Credit reporting, credit repair services, or other personal consumer reports

Duties upon notice of dispute from a consumer reporting agency Section 623 ( b ) ; 15 U.S.C. 1681s-2 ( b ) This section requires that whenever a person, such as a financial institution, receives a notice of dispute from a consumer reporting agency regarding the accuracy or completeness of any information the person provided to a consumer reporting agency pursuant to Section 611 ( Procedure in Case of Disputed Accuracy ), that person must, pursuant to Section 623 ( b ) : 1. conduct an investigation regarding the disputed information ; 2. review all relevant information the consumer reporting agency provided along with the notice ; 3. report the results of the investigation to the consumer reporting agency ; 4. if the investigation finds the information is incomplete or inaccurate, report those results to all nationwide consumer reporting agencies to which the financial institution previously provided the information ; and 5. if the disputed information is incomplete, inaccurate, or not verifiable by the person, it must promptly, for purposes of reporting to the consumer reporting agency do one of the following : a. modify the item of information. b. delete the item of information. c. permanently block the reporting of that item of information. 

Duvera Billing Service was disputed on XXXX due to the account not being mine. I have requested multiple investigations for the company to provide proof that this is my account. The company has not communicated any information regarding the requests and therefore are in violation of the law listed above.
Product: Credit card

Recently, the Consumer Financial Protection Bureau ( CFPB ) issued a directive for Citi to pay {$25.00} million in fines and consumer compensation due to intentional discrimination against credit card applicants of Armenian descent. This occurred between XXXX and XXXX, involving singling out applicants with surnames like XXXX  and XXXX. Citi hid the discrimination by providing false reasons for credit denials and instructing employees not to document these practices. As an individual with a Costco Citi bank card, I am concerned about potential impact, particularly in light of an incident in XXXX where I believe I was denied the opportunity to open a business account at the XXXX location. If my experiences align with the affected group, I intend to seek clarification and resolution by reaching out to the CFPB or the bank.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ACCOUNTS TO BE REMOVED XXXX XXXX XXXX BALANCED {$12000.00} XXXX XXXX XXXX BALANCED {$150.00} This account has resulted in several appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent account. I do not recognize the aforementioned account, as reported. The aforementioned account, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX  ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account is the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Unauthorized Inquiries on My Credit Report : ** 1. Inquiry from XXXX on XX/XX/XXXX. 
2. Inquiry from XXXX XXXX on XX/XX/XXXX. 
3. Inquiry from XXXX on XX/XX/XXXX. 
4. Inquiry from XXXX XXXX on XX/XX/XXXX. 
5. Inquiry from XXXX XXXX on XX/XX/XXXX. 
6. Inquiry from XXXX XXXX on XX/XX/XXXX. 
7. Inquiry from XXXX XXXX on XX/XX/XXXX. 
8. Inquiry from XXXX XXXX on XX/XX/XXXX. 
9. Inquiry from XXXX XXXX on XX/XX/XXXX. 
10. Inquiry from XXXX XXXX on XX/XX/XXXX. 
11. Inquiry from XXXX XXXX on XX/XX/XXXX. 

**Statement : ** I have identified multiple unauthorized inquiries on my credit report, conducted by various lenders as listed above. I do not recognize these lenders, and I did not authorize these inquiries. It is evident that these companies used these inquiries to profit, with no apparent benefit to me. Therefore, I demand the immediate removal of these unauthorized inquiries from my credit report. Your prompt attention to this matter is greatly appreciated.
Product: Credit reporting or other personal consumer reports

Experian Recently, I did an investigation on my credit report which caused report which caused XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable item that your agency didnt make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

On my Public Record Bankruptcy XXXX  XXXX-discharged US Bankruptcy Court has also assured me that it is not within their policy or obligation to validate any public records. Following my confirmation with the US Bankruptcy Court I also confirmed with XXXX XXXX that they were not able to validate this alleged bankruptcy in accordance with federal law.
Product: Credit reporting or other personal consumer reports

I recently looked at a copy of my credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking for you to verify as accurate : XXXX  XXXX XXXX Account Number XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I think FCRA 605B requires us to delete any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates reported.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX XXXX Social Security XXXX XXXX, a resident of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : 1. Applicant Identification : Full Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Security Freeze Request : a. I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
b. This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements.

3. Attached Documentation : I have attached the following documents to verify my identity and process my request : a. A copy of my drivers license or government-issued ID.

b. A copy of a recent utility bill or bank statement confirming my current address.

c. A copy of my Social Security Number.

4. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information.

5. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The following unverified accounts continue to appear on my credit report despite multiple written requests for their removal, which is a violation of federal law. My previous letter to the three credit bureaus, dated XX/XX/year>, also went unanswered. Under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified. Failure to validate these accounts will leave me with no option but to pursue legal action. I urge you to comply with federal requirements to resolve this matter promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have XXXX stuck in my venmo account. 
I wrote several emails to venmo complaining about my account being closed and asked for reasoning They said because they canr disclose internal information about MY ACCOUNT they cant tell me exactly why my account is closed and is making ME look through their user agreement for me to determine why MY own account bas been closed
Product: Checking or savings account

I have been denied a checking account this isnt fair I have a XXXX and feel discriminated On
Product: Mortgage

On XX/XX/XXXX - I had inadvertenly paid the county treasurer for my property taxes in the amount of XXXX. Since, I was an new homeowner, I wasn't aware that the escrow account would cover that amount, so an overpayment was made. The county had issued an refund and instead of sending me the money, they sent it to the escrow account and amerihome. I had requested in XX/XX/XXXX that this money be refunded to me, and it has been an nightmare of wrong answers by Amerihome. From XX/XX/XXXX they have consistently kept telling me every 7-10 business days and I would have the refund. Finally at the end of XX/XX/XXXX I started to keep an log of names and dates. On XX/XX/XXXX, I was told by an representative at Amerihome that it would be 7-10 days. On XX/XX/XXXX, I spoke with an XXXX, who informed me that the check would be delivered by XX/XX/XXXX via XXXX. On XX/XX/XXXX, there was no XXXX   package, so I called and spoke with XXXX. She told me that the check wasn't issued and it would be XX/XX/XXXX. I also spoke with an XXXX ( supervisor - emp # XXXX ), and he confirmed that the check would be mailed out and to me within 7-10 days. I called on XX/XX/XXXX, spoke with an supervisor named XXXX ( supervisor - emp # XXXX  ), and he said the check was held up and released on XX/XX/XXXX, do to an internal audit. He had told me this would now be 7-10 days from the XX/XX/XXXX date. I am getting some serious misinformation and would really like an investigator to loge an inquiry of the call logs for this request. Please help, I seem to be getting no where with Amerihome.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mail them this letter : Experian XXXX. XXXX XXXX XXXX, TX XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. Please send an updated credit report reflecting any changes that were made.

I demand the following accounts be verified or removed immediately.

Please send me an updated copy of my credit report reflecting any changes made.

Account name and number Provide Physical Verification XXXX XXXX XXXX Unverified Account
Product: Credit card or prepaid card

I made a purchase from XXXX XXXX XXXX using my Capital One credit card on XXXX XXXX XXXX. Transaction details as below : Merchant : " XXXX XXXX XXXX '' XXXX : GBP XXXX ( or {$33.00} XXXX. 
Time : XXXX XXXX XXXX XXXX XXXX XXXX XXXX local time ) The above transaction was deemed a XXXX XXXX without my knowledge or consent, and I was subsequently charged {$10.00} fee on XXXX XXXX. I reached out to the merchant XXXX XXXX XXXX XXXX on XXXX XXXX via phone ( and email ) and they confirmed that the transaction was a credit transaction to the best of their knowledge, and Card company should not have charged a Cash Fees. 

I followed up with Capital One ( Card Issuer ) on XXXX XXXX and XXXX XXXX ( over phone ) and was told that they are helpless as the transaction was a wire transaction made in Cash.
Product: Credit reporting or other personal consumer reports

-First attempt for validation and investigation was XXXX for XXXX Charge offs from XXXX XXXX XXXX  XXXX  in the original amount of {$12000.00} and {$5100.00}. The original account was XXXX until XXXX purchased them. But XXXX put the exact same loans on my credit report with their name. Then in XXXX by XXXX removed it from my credit report because it reached the 7 year mark. However, XXXX put them back on and put a last payment date as XXXX. I showed XXXX, Equifax, and XXXX the evidence of the exact same account and requested an investigation with no response. The XXXX credit reporting agencies continued to report it as up to date and never sent me a response on how they investigated and made a decision within XXXX hours. Second attempt was XXXX and they continued to do the same thing with a quick turnaround response for the same accounts. 

In XX/XX/XXXX and XX/XX/XXXX I had collection account from XXXX that was purchased from XXXX XXXX XXXX XXXX  in the amount of {$9500.00}. I requested an investigation and no response even after sending them a letter from the company who stated they had no information on the account number associated with me on the credit report.
Product: Credit reporting or other personal consumer reports

I was denied credit by XXXX XXXX XXXX on XXXX, 2024. They listed several credit reporting companies. On XX/XX/year>2024, I wrote each company asking for a copy of my credit report. 
XXXX XXXX will not send me a complete copy of my credit report. They send a URL link that does not work. I want a printed paper copy of my report.

they keep sending form letters.

Please make them send me a copy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a few accounts listed on my credit report that I don't recognize, have a contract with or know who they are. Please delete them from my credit reports. Thank you.