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

I received a letter from XXXX and XXXX XXXX that my personal information was breach and there are inquires on my credit report that I did not make.
Product: Credit card

About six weeks ago, opened new American Express XXXX XXXX card account, XXXX. Promotion was XXXX XXXX points after {$3000.00} spending in first 90 days. Checked -- ca n't recall if phone call or message -- to make sure I was eligible for the bonus. Was told that I was. Met the spending threshhold. Asked today when points would post, was told that I was not eligible, contrary to what I was told earlier. Unfortunately, I did not save any record of the conversation because I was traveling at the time. I would think American Express has a record. Nonetheless, they are refusing to honor the promotion. They got the benefit of my spending and now are refusing to provide the promised promo. Wish I had their answer to my question about eligibility in writing but unfortunately, I do not, and I realize that may let them get away with this scam. But thought I would file formal complaint anyway, since it 's likely others are caught in same deception. Very disappointing for a company like American Express, which I used to hold in high regard.
Product: Credit reporting or other personal consumer reports

I am writing to express my continued concern and frustration regarding the inaccurate items on my credit report. Despite my previous attempts to rectify this matter, the issues persist, and it is disheartening to find that my credit file has not been appropriately updated. 

Clearly outline the inaccurate items on your credit report, including the account names, dates, and any other relevant details. 

Briefly summarize your previous attempts to address the inaccuracies, including dates and methods of communication with the credit bureau. 

Mention that you have attached any supporting documentation, such as evidence of payments, correspondence with creditors, or any other relevant information. 

Describe the impact these inaccuracies are having on your creditworthiness and any adverse effects, such as higher interest rates or denials for credit applications. 

Clearly state your expectations for the resolution, whether it be a thorough investigation into the inaccuracies, a correction of your credit report, or any other appropriate action. 

Specify a reasonable deadline for the credit bureau to respond to your complaint and take corrective action. I am asking for your assistance to remove the inaccurate items in my credit file 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 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 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

On XX/XX/year> I sent Experian, Equifax, and Transunion a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. They have not even attempted to let me know this matter is being worked on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, i am a living human being. I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681 and they have violated my rights several times, I demand that the accounts listed below be removed immediately based on 15 USC 1681 which states that I have the right to privacy and did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

The Credit bureaus have been reporting incorrect data on my credit report databases. An unknown address was under my credit report and I sent an email and mail letters to the bureau. Ive also filed disputes for unknown negative accounts and have not received no communication back from bureaus.
Product: Credit card

This is regarding Apple Card. In XX/XX/year>, I missed XXXX payments of {$30.00} each. In XX/XX/year>, I lost my XXXX that had all the Apple Card information on it -- and for some reason Apple Card prevents you from making an online payment through your bank 's Bill Pay ( which I how I pay for 99 % of my bills ). 

I contacted Apple Card, and they were willing not to charge me interest on the card in XXXX, as long as I made a payment of {$220.00}, by XX/XX/XXXX. 

I made the {$220.00} payment on XX/XX/XXXX, only to discover that {$170.00} of my payment had gone toward fees and interest. They charged me almost XXXX my monthly payment on excessive fees and interest.
Product: Vehicle loan or lease

Santander Consumer USA was open on XXXX as a auto loan.This account was paid a agree and I dont know why this account is late as show in the attachment ... ... This is a mistake that Santander Consumer must to modify in my credit report... on XXXX, XXXX and XXXX formally request that the following inaccurate items be immediately investigated. 
They must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act ( FCRA ) ,15 USC section 1681i, I will expect you to complete the verification within 30 ( thirty ) days.I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file. 
I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.
Product: Credit card or prepaid card

XX/XX/XXXX I filed a fraud complaint with Amex on my bluebird card ending in XXXX. There was a charge from XXXX XXXX XXXX for XXXX I didn't authorize this transaction. It is a scam preying on Amex cardholders. There is no such club. They said their investigation could take up to 45 days, time is up. I ve tried calling several times including a couple times waiting 1 hour or more, to be disconnected without anyone answering. I realize they don't care about their customers since most cardholders can't get an active checking account. I am not one of those people, I just use it to get my check faster. Had to pay XXXX  to have my card XXXX XXXX after not getting the new one after 2 weeks. The customer service was the worst ever.
Product: Credit reporting

Equifax credit reporting agency is reporting inaccurate information on my credit report. 
The account in question is XXXX XXXX. When I question the reporting of this account equifax responded that the account was valid and accurate which is incorrect. The amount is not correct and is causing me to be denied credit. Due to the fact that Equifax is not reporting XXXX XXXX accurately, I would like Equifax to immediately cease reporting this account.
Product: Money transfer, virtual currency, or money service

I have an account with Coinbase XXXX  and have significant XXXX figure holdings for digital currency. I have been accessing my account from either my phone or laptop. In XX/XX/2021, suddenly I couldnt login into my account using my face id and stored password was also deleted. I tried to retrieve my password using retrieve password option but in my email, i recieved the response that said, that password couldnt be reset as I am trying to reset it from an unrecognized device. This device I used was my phone and my laptop which I have been using to succesfully login for last few years. 
On XX/XX/XXXX i submitted online customer service request highlighting this issue. 
Case # XXXX. I received a brief response asking for - Device you are using, including model number - Version of the mobile app - Version of your mobile device software - A screenshot of the error message/bug ( if possible ) - Steps taken to reproduce the error message/bug - Any additional information All the information was provided but after that i didnt receive any response for a few weeks. 
On XX/XX/2021, I again filed the issue with customer service : Case # XXXX and referred to the previous case. No response has been received to date. 
I then filed a complaint on XX/XX/2021 Case # XXXX - Complaint # XXXX describing unresponsiveness and my stuck assets. 
I have not been able to access my assets because of the unresponsiveness of Coinbase. I am not able to do any transactions. I am in need of money but can not access my account. This is a significant amount of money. Please help/ There is no way to contact Coinbase because they have no phone customer service or any live person to talk to.
Product: Credit reporting or other personal consumer reports

Payments were made on time. Bank claims that they are not. They were returned due to insufficient fund and closed my credit card and damage my credit. Payment where taken out of my account, have proof and showed it to them via email. Ive called and get hung up or Im told there no manager available
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX, Original Creditor, Company Inquiries : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX 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 US SM BUS ADMIN ODAXXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

As I stated earlier, the bank ( Scynchrony ) has an app for its customers. I opened the app to check on my account as I have done many times. Normally, my accounts are listed correctly.

My recent experience was entirely different. My account was red flagged, a message stated my account required attention. That I needed to call Scynchony Bank immediately. They told me I needed to go to a link and follow the steps because they suspected fraud. 
I complied with their instructions. I was told to make XXXX minute video of myself, take pictures of my drivers license front and back and provide my social security number etc. Then, I received the letter they said they would send. Turns out, the account number last XXXX digits ( XXXX ) for XXXX XXXX XXXX Credit Card account listed was not my account. My account number ends with ( XXXX ).
Product: Credit reporting or other personal consumer reports

There are multiple discrepancies with this account such as : date opened, high credit, credit limit, payment status, last reported, date last active, and date of last payment. There are so many discrepancies to the point this information can not be reliably updated, the only option is removal of this account.
Product: Money transfer, virtual currency, or money service

I recently attempted to make a payment via the Venmo ( www.venmo.com ) iPhone application. The transaction was repeatedly denied. When I contacted Venmo support to ask about the reason for the denial, I receive -in part - the following reply ( I do have the full chat transcripts and email exchanges ) : Our automated systems are created and administered by our security, risk, engineering and legal teams. The systems they have set up are working as intended and they will not review individual declines. 

This is concerning to me. While I have no doubt that great care has been taken in developing Venmo 's security algorithms, with no transparency into why certain transactions are being declined, it is impossible to determine if there are any flaws in the algorithm, if bias has been inadvertently introduced, or if something else is at play. 

I have other options to make my online payments, but from a data and business ethics perspective, and a general principle this is concerning. 

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

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX  XXXX {$180.00} XXXX XXXXXXXX {$50.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX {$760.00}
Product: Checking or savings account

I was supposed to receive my check on Wednesday XX/XX/year> into my capital one bank account. My job sent it to my old account which was restricted. That bank account did not receive the funds until XX/XX/XXXX at almost XXXX am because capital one was having XXXX XXXX. I called the bank Saturday XX/XX/XXXX multiple times to get a transfer started on my funds to another bank account. They told me over the phone that they had closed my account and started the transfer on Saturday. I called this morning XX/XX/XXXX because I still have not received my money into my other bank account. When I called they stated that they did not start the transfer until today XX/XX/XXXX and theyre not sure when I will be able to get my money. I was supposed to have my check XX/XX/XXXX and it is a day short of a week later I was supposed to have my money because of capital one technical issues.
Product: Credit reporting or other personal consumer reports

Per the Fair Credit reporting act 15 USC 1681 section 602. Equifax an XXXX are consumer reporting agencies, and I am the consumer. I have the right to make sure my private information is not shared which is 15 USC 6801. It is also congress policy that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers personal information. The financial institution and the consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial intuition may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' They never informed me of my rights to exercise my nondisclosure option. According to 15 USC 1681 ( a ) ( 5 ). Except as authorized under subsection ( b ). This account is an adverse item they are reporting again without my permission which is against the law. Per 15 USC 1681s-2 ( A0 ( 1 ). A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person believes it is inaccurate. Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of sec 1681c of this title and to limit the furnishing of consumer reports to the purpose listed under sec 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. 12 CFR 1016.7 " A consumer may exercise r\the right to opt out at any time '' I am opting out of your reporting services.
Product: Money transfer, virtual currency, or money service

I am formally writing to express my concerns regarding XXXX handling of disputes, particularly in light of the CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB findings indicate that Zelle has not only neglected to protect our consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card

Chase charged off my account with them in XXXX. I have received numerous collection letters from different collection agencies since then. The have reported the account 90 days past due each and every month even after they charged if off continuing to hurt my credit. I paid the account in full XXXX. They say it was an accurate account history of 90 days late each month although they sold the account to a collections agency and it was charged off.
Product: Debt collection

The company I’m talking about is XXXX. I don’t owe the amount they said I do it is not true and I need some one to help me with this problem the debt is coming from a  apartment complex  my route was only XXXX and I only missed two months which is XX/XX/XXXXand XX/XX/XXXX I was not living there I moved out  before XX/XX/XXXX.  The only reason why It got that high is because I had XXXX XXXX and was hospitalized so I could not work and I let them know what was going on to ask for hardship and they had no sympathy and I think they put the mount up very high just to destroy my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a verification of everything on my credit report and they said they did and stated that everything was accurate. But when I did my own investigation, I noticed that there where still a lot of improper inaccuracies on my report even after the did their investigation. For example, XXXX XXXX account # XXXX which is an auto loan. Has all kinds of inconsistencies where it is showing that it was las reported with XXXX on XX/XX/2023 XXXX on XX/XX/2023 and Equifax XX/XX/2023 I also could see that the last active and last payment dates were all inconsistent. 
In accordance with the fair credit reporting act XXXX Account # XXXX 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. it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

This agency violates 15 USC 1681i.

Notice of results of reinvestigation ( 6 ) -In general, A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. 

They were to notify me of this in writing 5 days prior, I WAS NOT NOTIFIED. AS THE ORIGINAL CREDITOR, ONLY I CAN VALIDATE THIS DEBT or the Accounts. I DO NOT VALIDATE THIS DEBT, UNDER NO CIRCUMSTANCES. Therefore, the following accounts must be DELETED from my report immediately. Furthermore, it does not matter if the account is listed as CLOSED, CHARGED OFF, COLLECTIONS, LATE PAYMENT, ( ANY NEGATIVE OR ADVERSE ITEM ( XXXX ) OR REMARKS ), ETC :
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

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

I sent a letter off on XX/XX/2022. Here 's my tracking number XXXX. To remove personal information that I don't not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution isn't suppose to share my information to third party people. 

These are clear violations of my federally consumer rights.
Product: Debt collection

There is a company who keeps calling me to attempt to collect a debt. They say they are called " XXXX XXXX. '' When I searched this online, XXXX XXXX is a food service company, NOT a collection group. " Compass Recovery Group '' did pop up is search results as a debt collection agency, however, they are not registered with the XXXX XXXX XXXX and their website looks very unprofessional ( as if to attempt to collect personal, sensitive information ). The person on the phone refused to acknowledge who they were and what they were calling about, and kept trying to get me to verify sensitive information over the phone. Seems very fishy. I have never received anything official from them in the mail. The name of the person calling is XXXX XXXX, and the phone number is XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I mailed revvi bank a letter requesting records that were sent to all three credit bureaus be sent to me. So that I can review what was being sent. I received those documents XX/XX/XXXX three letters each addressed to all three major credit bureaus. With just 6 small sentences. Saying my account was charged off and sold. I cant do nothing about. Yet on that letter it states per internal documents the information provided is accurate and true. So everytime I dispute this. I am not being given accurate information. In XX/XX/XXXX I filed bankruptcy in XX/XX/XXXX it was XXXX and revvi was included in that bankruptcy. Regardless if they sold the account to a collection agency as the original creditor they have an obligation to update the reporting. They have failed to. I have attempted 8 times with XXXX XXXX and XXXX and cfpb and no one has done anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act accounts listed below have violated my rights. These accounts have shown as " VERIFIED '' by the XXXX XXXX XXXX. I have provided proof of my credit report ( current ) that shows in fact that the inconsistencies are still on there, 15 USC 1681 sections 604A Section 2 it also states a consumer reporting agency can not furnish accounts without my written instructions. 

The below listed accounts are inaccurate and is improper use of my credit report... 

XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX Texas XXXX XXXX ( Closed Charge off )