23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported all XXXX major credit bureaus TransUnion, XXXX, and XXXX that the collection from XXXX XXXX for XXXX XXXX XXXX has many inaccuracies. 
TransUnion and XXXX reporting a high balance of {$1500.00}, and XXXX is reporting a high balance of {$1500.00} which is different from Transunion and XXXX. 
Balance owed Transunion and XXXX reporting {$1600.00}, and XXXX is reporting {$1600.00} however the Balance owed is higher than the high credit and amounts are different as well. 
Account number for Transunion and XXXX are different from XXXX. 
Date of last activity for Transunion is XX/XX/XXXX, XXXX is XX/XX/XXXX and XXXX date is XX/XX/XXXX all XXXX dates are different from each XXXX bureaus. 
Transunion is reporting on account status as open which is if its in collection account status can not be listed as open account. XXXX and XXXX account status is listed as closed again all XXXX bureaus reporting inaccurate information on my file credit. These inaccuracies are causing me emotional mental distress due to the fact I can not I apply for credit to make major purchases for myself without paying having to pay high interest due to these inaccuracies. 

XXXX XXXX XXXX TransUnion XXXX XXXX Account # : XXXX -- XXXX High Balance : {$1500.00} -- {$1500.00} Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX -- XX/XX/XXXX Date Reported : XX/XX/XXXX -- XX/XX/XXXX Date Opened : XX/XX/XXXX -- XX/XX/XXXX Balance Owed : {$1600.00} -- {$1600.00} Closed Date : -- -- -- Account Rating : Derogatory -- Derogatory Account Description : Joint -- Joint Dispute Status : Account not disputed -- Account disputed Creditor Type : Collection Services -- Other Collection Agencies Account Status : Open -- Closed Payment Status : Collection/Chargeoff -- Collection/Chargeoff Creditor Remarks : Account informationdisputed by consumer, meets FCRArequirements -- Consumer disputes thisaccount informationSubject has not satisfieddebt. 
Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last Payment : -- -- -- Past Due Amount : {$0.00} -- {$0.00} Account Type : -- -- -- XXXX XXXX XXXX XXXX Account # : -- XXXX -- High Balance : -- {$1500.00} -- Last Verified : -- -- -- Date of Last Activity : -- XX/XX/XXXX -- Date Reported : -- XX/XX/XXXX -- Date Opened : -- XX/XX/XXXX -- Balance Owed : -- {$1600.00} -- Closed Date : -- -- -- Account Rating : -- Derogatory -- Account Description : -- Joint -- Dispute Status : -- Account not disputed -- Creditor Type : -- Other Collection Agencies -- Account Status : -- Closed -- Payment Status : -- Collection/Chargeoff -- Creditor Remarks : -- Customer disputedaccount - reported bysubscriber. 
-- Original Creditor : -- XXXX XXXX -- Last Payment : -- -- -- Past Due Amount : -- {$0.00} -- Account Type : -- -- --
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were was found in my reports. The XXXXEquifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX Balance : {$200.00} XXXX : XXXX XXXX XXXX Balance : {$200.00} Equifax XXXX XXXX XXXX Balance : {$200.00}
Product: Credit card

On XX/XX/XXXX, a fraudulent {$490.00} charge was made to my Chase Amazon Credit Card from XXXX. I have the card set up to immediately text me when any charge is placed with this card. I called the Chase Fraud number and reported the unauthorized charge minutes after the charge was made. Chase reversed the charges and issued me a new card and card number. On XX/XX/XXXX Chase sent me a letter saying I was responsible for this charge because I " received benefit from this transaction ''. On Monday XX/XX/XXXX, I called Chase again and asked for proof I benefited from this transaction. All they could tell me was the email address and physical address on the fraudulent charge matched my information. Chase could not provide me with a tracking number that showed I received items nor that any items were actually shipped to me. Chase could not provide me with any other information about how I " benefited '' from the transaction. 
The fraudulent website used is XXXX, doing a quick domain search online you can see the fraudulent site was made on XX/XX/XXXX, a mere XXXX days before my stolen credit card information was ran through it. You can also find no physical address or other information about the business. The website is a copy-paste template simply used the funnel  stolen credit card information through. The address on their return product page isn't even filled out. I have emailed the contact email provided on XXXX contact page, asking to be refunded and telling them my information was stolen, only to receive no response.

Chase said they would reopen the investigation but at this point, I have XXXX confidence in Chase 's fraud investigation team. For some reason unknown to me, this order shows up on the XXXX  app. I have attached a screenshot showing this fraudulent order was placed but never shipped. I have also tried emailing " shop '' only to not reviece any response.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the timeline of events with Chase Bank. 
XXXX, XXXX, I tried to update my email address with Chase Bank because I was not receiving notices. The system did not update my email address. 

XXXX XXXX, I paid off the full balance of the card. 

XXXX XXXX, they assessed an annual fee and continued sending notifications ONLY to the email address I asked them to remove. 

XXXX XXXX XXXX, I received a letter letting me know my payment was late, so I went online and paid right away, and then followed up with a phone call, where the agent told me this would not report negatively on my credit. 

XXXX XXXX, found out they reported me as 30 days late. Contacted the center, was told they can not change this reporting. 

XXXX XXXX, Contacted them again, was hung up on. 

XX/XX/XXXX, contacted the executive offices and was assigned to an account rep. XXXX : XXXX, assigned to XX/XX/XXXX, XXXX left message -- he did not return my call XX/XX/XXXX, XXXX Left a message, call was not returned. 

XXXX, XXXX, left another message- a different rep called to tell me he was out and would call me when he got back. He never called. 

Chase bank needs to take ownership of this issue and correct the issue. Please reference previous complaing : XXXX. This was NOT resolved in 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a bankruptcy show up on my XXXX report that was never filed by me. I have gotten XXXX XXXX to remove this from my file. They've written me two letters and sent me my personal file showing no bankruptcy. I've provided this to Equifax on multiple occasions, including via fax and electronically and they will not remove this blatantly false record from my credit report. XXXX  's online portal for uploading supporting documents won't work and XXXX  's online dispute function is completely broken. I need this record removed by all 3 bureaus.
Product: Debt collection

I am writing regarding a concerning matter in my credit file. I have noticed a collection entry from your agency that I was not previously informed about. I have serious doubts about the accuracy of the claimed debt. Under the Fair Debt Collection Practices Act, I am exercising my right to request validation of this debt. I kindly ask that you provide me with the required validation and address this issue appropriately.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 a account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

To whom it may concerned, I am respectfully requesting help with a law firm/debt collector, XXXX XXXX XXXX, in which I have recieved 2 letters threatning legal action if I did not contact them for a resolution. The last letter I recieved was XX/XX/2020, notifying me that they intend to enforce legal proceedings to obtain payment. I have tried numerous times to contact them by phone and email and have been unsuccessful. They have an email address of XXXX in which you will recieve an automatic reply that they do not respond to emails. If you call there phone number, XXXX XXXX XXXX XXXX, you will be directed to leave a message in which you will never recieve a call back. I had to do a web search to try and find any other possible way to communicate with the XXXX XXXX XXXX and discovered a website of XXXX, in which you can submit an offer regarding your debt and I proceeded in submitting and completing that option, unfortunately I still have not heard anything back, nor did I recieve a confirmation that I submitted anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I left my company 's employment in XX/XX/XXXX. At that time, my company supposedly deleted my name from the corporation and accordingly, from the corporate account with the American Express Company ( card # XXXX XXXX ). I was contacted by the AMEX in XXXX of XXXX, saying that the account was in arrears for 120 days. I explained that I was retired from the company on XX/XX/XXXX and had no idea that my name was still on the account or who made the charges that appeared on the bills. After some research, I was able to give them updated information on the persons now responsible for the debt. I was informed by AMEX that they could not by law, contact the corporation. I then learned that the account was canceled as was my personal AMEX card. I had been a personal cardholder since XXXX and never missed a payment, but they still questioned my veracity in the matter. After several phone calls to AMEX, I could not make any progress. In the mean time, AMEX reported the account to several credit score companies, which resulted in my credit score going down an average of XXXX points. I have submitted complaints to XXXX and XXXX XXXX, but there efforts have been feeble and ineffective. I seek to have my credit score restored and for AMEX to rescind their derogatory remarks no on my credit report.
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 Bureau 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 : Account Name : 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

all credit agencies reporting outdated and fraud accounts not mines : " XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX '' ... .REMOVE ALL ABOVE FROM CREDIT FILE ASAP
Product: Credit reporting or other personal consumer reports

I recenty reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a copy of my credit report and the following ran an unauthorized credit inquiry on me on the following dates : Experian : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I never authorized such action and this constitutes a violation of my rights under the fair credit reporting act 604 as well as a violation of my rights to privacy. I need these fraudulent inquires removed from my credit reports.
Product: Credit reporting or other personal consumer reports

I will file a complaint with XXXX XXXX as well. I was shopping rates on XXXX XXXX and wanted to see the terms I would get on a soft pull. The card was opened immediately without my consent. I called Indigo XXXX and requested to close the account immediately after I got notification that the card was opened ( within mins ) The card was closed fine however they were still going to report it to the credit bureau as a closed card. I do not believe this is right if a person has called immediately after the opening of an account. They tell me they have no ways of pulling this information off the credit report when they are the ones who send the report to the credit bureaus they absolutely should be able to turn around and either XXXX stop the reporting of it XXXX not report accounts that have been closed within XXXX hours of opening. After I confirmed the account was closed of course there was a hit on my credit which should not be registered or removed upon closing. Less than a few weeks later I get a statement saying there's a {$120.00} balance. I called immediately and found out there was an annual charge still on this card. Not only was I not given what the terms were in my exact credit scenario, they charged a annual fee that if i actually were going to get the card and keep it wouldn't have known because no terms were shown to me. This started with XXXX XXXX but I am am submitting a complain to Indigo XXXX for reporting improperly and inaccurate information on my credit report.
Product: Credit reporting

XXXX XXXX submitted hard inquires to all credit Bureaus on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. These were submitted to both Experian and XXXX Credit Bureau for the dates mentioned above.
Product: Credit card or prepaid card

Capital One was offering {$200.00} credit to apply for their Quick Silver credit card. I applied for the promotion and my credit card was approved. Terms of the original application and email that Capital One sent me, clearly stated that a {$200.00} statement credit will be offer to new approved customers. Once the card was received at my house i started using the card and i spent the {$500.00} listed on the offer in order to obtain the advertised {$200.00} credit. When i received my first statement, the advertised {$250.00} credit was not added to my statement. I called Capital One and the told me that they didn't give me the {$200.00} because i didn't qualify for the promotion. Capital one never gave me a counter offer to accept nor told me that i did not qualify for the original offer that i was applying for. I requested Capital One for documents stating that i was not approved for the original offer and that a counter offer was given to me. Capital One never replied back. 
In conclusion, Capital one lured me in by sending me an email with a promotion that they never offered. They made me spend {$500.00} in their credit card putting the false idea in my head that i was going to received {$200.00} credit. They made me sign documents, give private information and never send me a counter offer. I never applied for the card they gave me and they are clearly false advertising and offering false promotions.
Product: Credit card

Hello good after, I am messaging to file a complaint about the application criteria of Citi Bank for the XXXX XXXX card. My credit report is impeccable, with no missed payments, fully paid off student loans, a steady XXXX  score of XXXX, XXXX debt, and XXXX titled properties. 

I was denied for " not enough revolving credit ''. This decline is asinine and unjustified. My financial history is more than adequate to be accepted for this card. Additionally I request the lowest APR when my application is approved. 

I personably know people with far worse financial history that easily get approved, that ought not to. 

Swift manual review and acceptance of my application is requested, Thank you
Product: Debt collection

Hello, thank you for being a resource to help. I have been trying to get this debt removed from my credit reports. I have contacted the collection agency and they have not been helpful, I explained this is not my debt. I contacted the credit bureaus ( all 3 ) and each time I challenge the debt the collection agency removes it ( too skirt the FCRA ) and then place it back on days later. They have done this at least eight times. Probably more.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has been reporting a XXXX charge on my credit report with all the bureas especially Transunion since XXXX and I disputed the charges with them at which they did nothing. Then I filed a police report they still didnt open a investigation finally I disputed it with transunion and have been since XXXX and they have left that fraudulent charge as a bad collection account in my credit file when I am the victim and had my account paid in full. when it happened and they never did a fraud investigation or helped me they just report on my credit Bureas that its collection charge off as if I owe the money. I am and was a victim of identity theft and they never disputed it
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the course of the last week, my credit score dropped XXXX points on XXXX The drop in credit score appears coincident with the payoff of a car I financed. I spoke at length to a representative at XXXX. He told me that the score dropped as a function of paying off the car. I was shocked to hear that meeting the obligation of a financial arrangement would have a negative effect on my credit. I asked for a letter to confirm our conversation and he refused. 

It appears the credit bureau industry is not about assessing creditworthiness as much as rewarding those who go into debt with an incentive to increase their debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Affidavit Of Truth To Update Information XXXX XXXX NOTICE AND DEMAND TO UPDATE INFORMATION From : XXXX XXXX XXXX XXXXcation : XXXX XXXX XXXX XXXX City & State : XXXX XXXX PA XXXX To : TD BANK USA/TARGETCRED Address : XXXX XXXX XXXX City & State : XXXX, MN Zip Code : XXXX REF : Your correspondence purporting to allege LATE PAYMENT TD BANK USA/TARGETCRED Account # XXXX NOTICE OF CLAIM UPDATE NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT APPLICABLE TO ALL SUCCESSORS AND ASSIGNS *******SILENCE IS ACQUIESCENCE******* _____________________________________________________________________ I XXXXXXXX XXXX XXXXXXXX, A WOMEN, non-adverse , non-belligerent, non- combatant party and Executor with FULL LIFE am in possession of your recent voluntary submission of evidentiary documents.

TD BANK USA/TARGETCRED is in violation of 15 U.S. Code 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TD BANK USA/TARGETCRED have reported to XXXX a late payment on XX/XX/2016. 

Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : 1. Update all payments to exceptional 2. Apologies to me in writing Failure to comply will result in a violation 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.
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 {$13000.00}, {$5700.00}, {$18000.00}, {$8600.00}, {$1200.00}. 
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/XXXX with a balance of {$13000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8600.00} -This is not my account. 


-- COLLECTION ACCOUNT 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to TransUnion and XXXX regarding fraudulent credit inquires on my report and both companies told me that it was nothing they can do, even tho i have a fraud alert on my credit file with both companies.