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

I provided affidavit of truth and police reports and all notarized. I requested proof and never received any. I also provided my ID and social for identification purposes and after sending all that in and after submitting a complaint with CFPB all they did was ask for the same verification proving my identity. 
Investigation came back super fast with no proof just them saying its verified.
Product: Credit card

I was called by the Fraud Department of BB & T bank, XXXX, alerting me to the fraudulent use of my credit card. I returned the call and was told a new card would be sent. I received new card but BB & T bank during XXXX branch visits could not verify charges, account numbers or fraudulent activity on any account. 
I am concerned this might be a scam.
Product: Credit reporting or other personal consumer reports

I submitted a dispute to EQUIFAX on XX/XX/year>, They failed to reply, i started a complaint and they sent me a computer-generated letter dated XX/XX/year>, The letter states they are unable to verify my identity because it does not match what is on file, in my initial dispute i attached 2 documents that verify my identity, if it does not match what is on file this shows me they have been reporting inaccurate information on the account i am disputing, by sending me these computer-generated stall letters they are intentionally damaging my credit and it appears obvious to me that they are abusing their power under the FCRA to escape a complete and failing to comply with : 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general, subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting or other personal consumer reports

This is my first 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX AV XXXX, NY XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX : {$11000.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXXXXXX Balance : {$2200.00XXXX XXXX XXXXXXXX XXXX Balance : {$1400.00} XXXX XX/XX/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
Product: Credit reporting or other personal consumer reports

Recently I've received a copy of my credit report in which I noticed that there is information and accounts that are unlawfully and inaccurately reporting. There are inaccurate addresses reporting in which I don't live at those addresses. The address that's on my ID is my address and only address that should be reporting to my credit report. There are collections accounts reporting but how can there be an alleged debt if there isn't any contracts, receipts or agreements between me and the creditors listed in my dispute? I reached out to the creditors reporting these accounts and asked them to mail me any documents that verifies the debt that they're reporting. I never gave them the consent to share nor obtain my personal information which is a violation against my right of privacy. The unlawfully and inaccurate reporting information and accounts are negatively iim acting my credit score limiting my ability to obtain any potential relationships with lenders, or institutions. Violations committed by Experian and the creditor reporting this account : 15 U.S. Code 1692g - Validation of debts, 15 U.S. Code 1692c - Communication in connection with debt collection, 15 U.S. Code 1692e - False or misleading representations.
Product: Prepaid card

I Have XXXX AMEX ( American Express ) prepaid gift cards I have attempted to use in multiple locations ( XXXX, XXXX, brick and mortar stores, XXXX wallet ). It shows an active balance on Amex 's website, Amex advertises these cards as " widely accepted '', and all are consistently rejected when I attempt to make any purchase in any location. This widely tracks with online experiences of many others who have run into the same problems with their AMEX gift cards becoming largely useless, and I sincerely hope that beyond addressing this specific issue the CFPB is considering a more systemic investigation into AMEX 's business practices regarding these cards. The card number is below : $ XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have reached out to all three credit bureaus regarding the account that is listed below : XXXX XXXX Now this account is open but is not reporting information to each credit bureaus. I have sent in dispute letting each credit bureaus know that the account they are reporting inaccurate information. Each credit bureau has different information that they are reporting. When if the credit bureaus are getting the same information from the same furnisher, then how is that they all have different information. 

I have sent each credit bureau the credit report that shows that each of their credit report is showing different information. 

I have highlighted, sent in a dispute letter and provided them with all the information, and they are still reporting that the information is accurate, and they have updated, and it shouldn't be updated. Because they have not reached out to the furnisher about if the account is accurate or what information that need to be reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

It 's a old cable bills XXXX XXXX {$210.00} XXXX that I was n't aware of. Recently found out it was showing outstanding in my credit report, immediately paid off but it 's still shows. I 'd like it to be removed, it 's affecting my credit score.
Product: Debt collection

On XX/XX/XXXX I received a phone call from Congress collection agency in an attempt to collect a debt. Caller stated a notice was sent in XXXX of XXXX ; I stated that I did not remember receiving a notice and asked if a new notice can be sent out so I have physical proof and was denied. The caller stated that they would not send out a new notice because a notice was already sent out in XXXX of XXXX. I am currently working with my insurance agency to remedy the situation.
Product: Credit card

I have a Kohl 's credit account. After making payment, there was a credit of {$25.00}. Which was indicated on my next statement. Since then we have received XXXX statements that say " your account has a credit balance. You may apply this against future purchases or we will automatically send you a refund check within XXXX days. '' We never received a refund check so we called and were told by rep. that it is not XXXX days. To which it is already that too. Even though this issue is not affecting our credit, it is very frustrating as a consumer that if we do this we are charged a penalty wherein they can take as long as they want to send the refund even though it is stated XXXX days.
Product: Checking or savings account

I deposited a check for approx {$1000.00} into my JP Morgan checking account. A few days later my account was closed without any notice to me and they kept my retirement check that I deposited. I went into the bank and they promised to give it back once I followed the steps they provided. I did that day and they still refused to give me the money. No one can explain why my account was closed without contacting me. I contacted XXXX XXXX about the validity of the check they issued me and they told me they paid the check. XXXX claims they did n't pay the check but have no record of that and want me to prove they did. So I again brought it proof and chase still refuses to give me my {$1000.00}. They just blow me off and keep my money.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

my name is XXXX XXXX XXXX XXXX XXXX has stolen my identity and been using my social she filed taxes i was not aware of has been hacking my phone for XXXX years
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX charged us twice for the same security equipment and erroneously provided statements with different due dates. We called and alerted them to this error and they changed the balance due to XXXX but still reported us late even though we were never late. When we called to complain it seems they closed the account with no explanation but did not remove the information about the false late payment. I have disputed this with the 3 credit bureaus without success. You can also see this is happening with this company as it pertains to other customers as well. 

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

i have multiple inquires on my account that i dont recognize.
Product: Checking or savings account

Deposited a check into XXXX for {$30000.00} this is the 4 check I have deposited into this account from the same maker. Previous deposits were XXXX ( {$12000.00} ) XX/XX/XXXX ( {$15000.00} ) XX/XX/XXXX {$13000.00} and another deposit into another account for {$31000.00} on XX/XX/XXXX. This check was out in an extended hold. 

I called and spoke to XXXX with the fraud team and he blatantly lied to me saying everything was verified and my find would be released. 

Called back and spoke to account supervisor XXXX and he said he didnt understand why the extended hold but said the back office will deny his request. 

Chase puts extended hold on deposits to collect interest off of my money or the are racially profiling me this is the 3rd time this has been out on hold from a check from this maker and chase constantly lies about the reasoning
Product: Credit reporting, credit repair services, or other personal consumer reports

I first noticed issues on my credit report which were inconsistent I notified the bureaus on XX/XX/XXXX then again on XX/XX/XXXX. I will be attaching the letter I sent on XX/XX/XXXX along with a copy of my credit report from XX/XX/XXXX which show the same inaccuracies and inconsistencies. I will list them again for you. 
Date of last activity not consistent : XXXX  XX/XX/XXXX Experian XX/XX/XXXX XXXX  XX/XX/XXXX Date of last payment not consistent : XXXX  : XX/XX/XXXX Experian not listed XXXX  XX/XX/XXXX Payment status not consistent : XXXX  : Current Experian ate 120 days XXXX  Current. 
XXXX XXXX which is your industry handbook all data needs to be accurate which clearly this isn't since each bureau has different data reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greensky Made A XXXX Dollar Loan In Me And My Husbands Name With Out Ever Speaking To Us With Out Us Signing For A Loan With Out Us Knowing Any Thing About This Loan .Now They Have Slammed Our Good Credit Rating And They Are Calling Us All The Time For Us To Pay For A Loan We Never Asked For Or Never Agreed To! This Is Criminal To Loan Money In Our Name Which We Never Filled Out Any Loan Documents Never Asked For And Never Even Spoke To Us
Product: Mortgage

On XX/XX/XXXX I received a pre-qual email from Navy in which I applied for mortgage. I was already in contract with another Lender but decided to try Navy. When I applied I never received any communication from the loan officer. I started calling every week to get answers. I never spoke with the loan officer but on XX/XX/XXXX I received a denial, I called about the denial and was told to appeal it in which I did and still as of today have not received a call or e-mail. I feel as though my application wasnt looked at or treated fairly. The denial said debt to income ratio. I dont have any debt and currently approved with another lender so I wanted to know how was that determined and if that was the case why wasnt other options offered or why didnt the loan officer tell me what loan I would qualify for. Ive been totally ignored and want this disturbing treatment escalated to the CEO.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fact, the failure of a consumer to dispute the validity of a debt may not be construed by any court as admission of liability by the consumer. This was written by congress under the FDCPA, 15 USC 1692g. Only I, XXXX XXXX, who is the consumer can validate these alleged debts. Therefore, under the provisions of the Fair Credit Reporting Act and the Gramm-Leach-Blilely Act, I hereby opt-out of the reporting of these invalidated and inaccurate accounts below. Therefore, if your company continues to report these invalidated and inaccurate accounts you will be in violation of both the FCRA and the Gramm-Leach-Blilely Act. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX Please also provide the signed proof that I, XXXX XXXX, gave your company to include ANY information to my consumer report. So the failure to provide me with the requested proof of the signed consent that I allegedly gave to your company makes you in violation of my rights under the FCRA. Also, each time your company attempts to illegally sell or furnish my information to other agencies or affiliates without my consent you are violating my rights and individual privacy as said so by XXXX under both the FDCPA and FCRA, therefore I demand that the inaccurate accounts above be deleted as soon as possible. 

I have provided all of my personal documents needed to process my dispute and locate me in your system. 

Please send me an updated copy of my credit report showing the deletion of these inaccurate accounts.
Product: Credit card or prepaid card

JP Morgan Chase bank is stealing money from me via unexplained credit card fees which I did not agree to. I created a payment plan to pay off a large purchase which they said will be interest fee, I have done this with other financial institutions before and never had a problem However, Chase has started charging me monthly fees for the payment plan, this is tantamount to FRAUD because chase is now charging the same interest which they said will NOT be charged if a payment plan was created via a monthly fee. When I asked them to cancel the plan they refused and said it can not be done, they refuse to refund the fees that they are ILLEGALLY charging and which I did not know off JP Morgan Chase has been getting away with these crimes for a long time and it is time that the Government does something about them
Product: Credit reporting or other personal consumer reports

While checking my credit report a few months back, I noticed errors concerning the accounts for XXXX XXXX ( XXXX ), XXXX  XXXX ( XXXX ), XXXX XXXX XXXX  XXXX ( XXXX ). This is a violation of my rights. I contested these errors with the three credit bureaus, yet I received only vague responses. Therefore, I am submitting this complaint based on my research. The companies is in violation of sections of 15 USC.

15 usc 1681 section 604a setion 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy of information.

15 USC 1681i ( 5 ) : Failure to investigate and correct inaccurate information.

15 USC 1681s ( 602 ) ( a ) : Failure to provide clear and accurate information to consumer reporting agencies.

15 USC 1681s ( 604 ) ( a ) : Failure to permit access to all information about the consumer 's credit file.Reform Act related to accuracy and fairness in credit reporting.
Product: Debt collection

XXXX XXXX XXXX XXXX released my information to Franklin Collection Services for the amount of {$110.00} and {$550.00} on XXXX XXXX. I wasn't notified by XXXX XXXX XXXX XXXX that I owed anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery Associates Account : XXXX Amount : {XXXX} In accordance with the Fair Credit Reporting Act Portfolio Recovery Associates Acct # 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 604A Section 2 : It also states a consumer-reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

I'm a small struggling business owner with an impeccable account standing with this bank. I have a XXXX XXXX XXXX. Never missed a payment and never had any issues. 
I recently deposited a check from a home owner. The originating bank cleared the check and then for some un-known reason the check was taken back by the originating bank. It overdrawn my account and caused my bank ( Suncoast credit union ) to freeze all my accounts and open a full blown case. I spent an entire day, traveled XXXX miles between banks, towns and counties to finally be told that it was some sort of glitch out of the originating bank ( XXXX ) and i and the home owner were not in the wrong. The banks were in the wrong for not investigating the incident properly. 
I then spent hours at suncoast trying to get my business account recovered and usable again. 
I can not tell you how utterly frustrating and belittling this process was. The entire bank heard our interactions back and forth. No privacy what so ever. I was berated and talked down to like a common criminal. At one point they even demanded to know where the money that I got come from to cover the over drawn amount! They were insuating i some how committed fraud and used fraudulent money to pay down my account. The entire bank heard this and when I looked out the windows of the office I was sitting in the entire bank was looking at me like I was a thief. I am so embarrassed. I had my company shirt on at the time and the entire bank could see me and my company. 
I'm ruined. My name is smeared. I literally have reviews on my XXXX business account that say I am thief and not to do business with me. 
These banks refuse to do anything about scams and fraud being purpotrated on its customers. As a result of this we the XXXX XXXX XXXX XXXX bear the brunt of the bank negligence and utter disregard for XXXX the nations biggest problem since check fruad became a thing. They allow there computers to make decisions on account transactions because it's cheaper than hiring people to do it for them. Both banks excuses were the system did it and it was out of there hands and there is nothing they can do about it. 
I am attaching pictures of the bankers cards I spoke with. Please reach out to both of them and they will both tell you I am in no way responsible for these errors. I should have never had to go through this. I now have to go to another bank to try to and salvage what business I have left and try to establish repore with an entirely new institution.
Product: Credit reporting or other personal consumer reports

Hi Experian, I'm looking at my credit report today and still seen this inaccurate XXXX XXXX XXXX account. I call XXXX XXXX XXXX  TODAY and they agreed to delete this inaccurate account from my credit report. The XXXX said I should not be responsible for anything about this account t since that account been deleted from their system.
Product: Student loan

I files a dispute in regard to incorrect item on my credit report. Navient has agreed to 1.85 Billion Settlement with 39 State Attorney Generals.
Product: Credit reporting, credit repair services, or other personal consumer reports

My initial contact with XXXX and Transunion was on XX/XX/2022 when I sent a letter to both companies via certified mail that was delivered on XXXX and XX/XX/2022. After reviewing my credit report I noticed that an account from XXXX XXXX XXXX was reporting inaccurate information for alittle over a year and requested that the account be removed from my credit report. XXXX and Transunion sent me results of the investigation and stated the information was accurate however it is not and I can prove it in court that the information is not accurate. I have reached out to XXXX XXXX on three separate occasions requesting that they remove the account from my credit reports. To date XXXX XXXX XXXX is still reporting in accurate information to my credit reports. No it is not my responsibility to tell a company what or how to report to the credit bureaus. The FCRA states that a company is not to report inaccurate, outdated, or invalidated accounts on a consumer 's credit file. It also states that its the credit bureaus responsibility to ensure that all information contained within a consumers ' credit file is accurate and free from errors. All three companies have failed to do this XXXX, XXXX XXXX and Transunion.
Product: Student loan

Since 2009, I have received student loans and have them serviced by Navient. Since them I have struggled to pay the payments on time. Calling Navient and requesting help is a waste of time. I have requested forbearance, IBR plans, etc and have only run into one person who actually allowed me to do it with one loan. Otherwise, apparently I am not eligible for no specific reason.
After reading about the recent CFPB complaints, they sound very similar to my experience with Navient.