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

XXXX, XXXX, AND EQUIFAX have commited identity theft on my personal credit report by being deceptive. Fraud is deceptive. Deception means you are giving an appearance on something that is misleading. According to the FCRA, 15 USC 1692e, you can not use any deceptive/misleading representation. These practices can not be utilized on my credit report for PRIVACY. It is DECEPTIVE, because XXXX, XXXX, and Equifax are telling my private information to the public people without my consent. I have private information being publicized. A consumer reporting agency can not furnish anything unless it was initiated by the consumer, which is myself. Which I never authorized them, resulting in deception! 15 USC 1681b ( c ) ( 3 ), 15 USC 1681d ( 1 ), 15 USC 1681m ( d ) ( 1 ) ( D ) the consumer has a right to prohibit information contained in the consumers file with any consumer reporting agency from being used in connection with any credit or insurance transaction that is not initiated by the consumer ;, 15 USC 6802 ( e ) ( 2 ) go in further detail of how I've been deceived. These accounts are deceptive, they are breaking my privacy rights and need to be removed! 

Not just that, but they are reporting inaccuracies throughout my consumer profile!! According to the FCRA, everything has to be reported accurately. 15 U.S.C. 1681i 55 ( e ) Treatment of Complaints and Report to Congress ( 1 ) In general. The Bureau shall ( A ) compile all complaints that it receives that a file of a consumer that is maintained by a consumer reporting agency described in section 603 ( p ) contains incomplete or inaccurate information, with respect to which, the consumer appears to have disputed the completeness or accuracy with the consumer reporting agency or otherwise utilized the procedures provided by subsection ( a ) ; and ( B ) transmit each such complaint to each consumer reporting agency involved. 

These accounts are deceptive and inaccurate : EQUIFAX- XXXX : acct. number : XXXX XXXX, XXXX XXXX EQUIFAX- XXXX : acct # XXXX XXXX XXXX- XXXX XXXX XXXX : acct # : XXXX EQUIFAX- XXXX : acct # : XXXX XXXX AND EQUIFAX- online in sv : acct. # : XXXX XXXX AND EQUIFAX- online in sv : acct. # : XXXX XXXX AND EQUIFAX- XXXX in sv : acct. # : XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX : acct. # : XXXX XXXX XXXX XXXX XXXX AND EQUIFAX- XXXX XXXX XXXX acct. # : XXXX XXXX XXXX XXXX XXXX AND EQUIFAX- XXXX XXXXXXXX XXXX : acct. # : XXXX XXXX AND XXXX XXXX XXXX XXXX acct. # : XXXX XXXX AND XXXX XXXX XXXX XXXX : acct. # : XXXX XXXX AND EQUIFAX- XXXX : acct. # : XXXX XXXX XXXX : acct # : XXXX XXXX XXXX XXXX XXXX : acct XXXX XXXX XXXX EQUIFAX- NO CREDITOR NAME : acct # : XXXX EQUIFAX- NO CREDITOR NAME : acct # XXXX XXXX
Product: Credit card

Chase Sapphire Reserve Card ( JP Morgan Chase ) had erroneously applied my refund in a way I specifically requested not be done, and per their own agreement would not happen. I disagree with how this credit of XXXX was applied. This is also the FIRST explanation offered for why The My Chase Plan went from XXXX to XXXX despite calling for weeks on end, and spending countless hours on the phone with unhelpful, rude, clueless customer service people. I did pay off the plan because I am not making payments on something I did not agree to. This explanation is not acceptable because I did not agree to these terms. I agreed to a travel plan with a payment of XXXX and a XXXX base Chase Plan with a payment of XXXX. Chase incorrectly opted to apply my credit from XXXX in a fraudulent way to obtain more fees from me as a customer. It is worth noting that prior to that happening, both my husband and I did our due diligence of contacting Chase at least three times via phone, which I have records of - the first time being with XXXX - before the credit from XXXX was issued and STRONGLY reassured that the XXXX credit would go toward the plan with ( at that time ) no payments due yet ( it was for the exact amount ) : XXXX. At that time, was told notes were being put on my account. Chase then applied the credit to the Chase Travel plan despite it being for the other item and in the exact amount. This was a horrible experience as a customer and nothing short of consumer fraud. I refuse to accept this explanation which goes against their own terms and policies and is simply an extortion attempt of an honest customer. It should be noted I also called a local branch and spoke to a manager who was unable to explain the fee despite contacting numerous internal Chase contacts. If Chase will not resolve this or make it right, I plan to take other avenues to do so. It is worth noting that while trying to solve this problem Chase sent me personal statements, in their entirety, belonging to people I am not in any way associated with and then asked me to email them to them.
Product: Credit reporting 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. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 has violated my rights. Or list of inquiries 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 consumer report containing 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: Credit card

contacted citibank double cash back credit card on the XXXX saying to them I did not make 3 purchases. They said they will dispute them. At first they only disputed the XXXX and XXXX from snow.com. I called back to say the XXXX of XXXX from XXXX XXXX XXXX XXXX XXXX XXXXXXXX CAN is also not from me. 

I checked back 6 days later, the XXXX and XXXX are my fault. and the XXXX was not even disputed. they agreed to reopen the dispute but I am not confident they will reverse their stance. 

these places are outside of the country and I can't leave the country.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX [ Date ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccuracies on Credit Report Dear XXXX XXXX XXXX, I am writing to formally dispute certain inaccuracies in my XXXX XXXX XXXX report. My full name is XXXX XXXX, and my Social Security Number is XXXX. I have identified several errors that I believe require correction. 

The specific inaccuracies are as follows : Bank Name : BANK OF AMERICA TEXAS Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Consumer Removed Date : XX/XX/XXXX I have enclosed copies of relevant documents that support my dispute, including [ list any attached documents such as bank statements, correspondence, etc. ]. 

According to the Fair Credit Reporting Act ( FCRA ), I request that you investigate these inaccuracies and provide me with the results of your investigation. I would also like to receive a copy of my updated report reflecting any corrections made. 

Thank you for your prompt attention to this matter. I look forward to your response within the statutory timeframe. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX Has sent me an approval for suppression of all public records and also for my credit report
Product: Credit reporting or other personal consumer reports

Account number # 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 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  15 USC 1681 Section 602 States i have the right to privacy 15 USC 1681 Section 604a section 2 it also states a Consumer reporting agency can not Furnish an account without my written Instructions under 15 U.S.C 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Debt collection

Debt is reporting on credit report that is not mine which is not allowing to obtain credit.
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX Balance : {$1300.00} XXXX  XXXX Balance : {$13000.00} XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Product: Debt collection

True Accord Collection Agency-account numberXXXX You currently owe {$930.00} to XXXX XXXX XXXX. 
You may wonder why TrueAccord is contacting you about this balance. We know it may be confusing, so here is a breakdown. 

This debt came from a XXXX XXXX purchase you made. 
XXXX XXXX XXXX  was the lender that XXXX XXXX used for financing. 
XXXX XXXX XXXX  was the original creditor. 
When your debt was overdue, XXXX XXXX XXXX  sold the debt to XXXX XXXX XXXX who currently owns this balance. 
XXXX XXXX XXXX has asked TrueAccord to help you resolve this balance. 
That's how you got to us. 

You can view your options for resolving the balance by clicking the button below. If you have questions, you can reply to this email. A member of our Engagement Team will assist you. 
View My Options-Disputed
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries appearing on my credit report, as I am a victim of identity theft. Pursuant to 15 U.S.C. 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I demand that the following accounts and inquiries be permanently removed from my credit file : Fraudulent Accounts : XX/XX/XXXXT - XXXX - XX/XX/XXXX - {$720.00} XX/XX/XXXX - XXXX - XX/XX/XXXX - {$720.00} XX/XX/XXXX - XXXX - XX/XX/XXXX - {$120.00} XX/XX/XXXX- XXXX - XX/XX/XXXX - {$610.00}XX/XX/XXXX - XXXX - XX/XX/XXXX - {$680.00} XXXX - XXXX - XX/XX/XXXX - {$1900.00} XX/XX/XXXX - XXXX - XX/XX/XXXX - {$0.00} Fraudulent Inquiries : XXXX XX/XX/XXXX- XX/XX/XXXX XX/XX/XXXX - XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX- XX/XX/XXXX
Product: Checking or savings account

Again raising concern that I had many issues with XXXX advance services. I requested USAA stop payment and it didnt work. 

I was then misinformed by USAA representative that the dispute credit wouldnt be reversed- this was wrong and resulted in financial hardship. 

I provided screenshots of said communication, filed concerns with CFPB and XXXX- this only Yielded more assertive response by USAA XXXX  team and notice that further action to reinstate old CC debt reporting. 

I guess Im now waiting for {$760.00} to be deducted from my checking account. 

I believe USAA does in fact handle concerns with bias based on rank and grade or military affiliation. Id like records of what investigation into my concerns actually looked like.
Product: Bank account or service

To whom it may concern, I am writing this about a check transaction I have had between XXXX and Chase bank. I currently have a saving and checking account at XXXX and in XX/XX/2017, I went to open a saving and checking account at Chase ( XXXX branch ). At the branch, I wrote a check to myself ( From XXXX Account # XXXX ) to myself at Chase ( Account # XXXX ) in the amount of {$1000.00}. The rep told me to use the mobile app to deposit the check and kept the physical check. I did the online deposit at the branch but later on the physical check got lost/stolen. The electronic check was deposited to chase on XX/XX/2017 and cleared from XXXX, there was only one transaction going out of my XXXX account on XX/XX/2017 for {$1000.00} and the same day Chase received the fund. On XX/XX/2017, Chase deducted {$1000.00} from my saving account stating the check has been processed more than once. I called Chase multiple times and was told the physical check was presented at another bank, which they would n't tell me the info and the physical check superseded the electronic check so Chase debited my account to cancel the deposit and told me to contact XXXX. I reached out to XXXX but was told the check was cleared only once to Chase on XX/XX/2017 and they had no record showing the same check got deposited the second time. I called Chase again and after a few hours and several agents, they told me the check was with Federal Reserve and asked me to call Federal Reserve and that is all the information they have. I called Federal Reserve on XX/XX/2017 and was told that they do n't work with individual customers, either XXXX or Chase need to reach out to Federal Reserve to investigate. I went back to both XXXX and Chase and both banks told me there is nothing they can do and they would n't reach out to Federal Reserve. So as of now, the {$1000.00} was taken out of my Chase account but was n't returned to XXXX account and I do n't know where the money went and who has it now. Neither bank would work with me any further and told me to go to the other bank instead. I was advised by an agent at Federal Reserve to file a complaint so this can be investigated. I attached the copy of the check, transaction summary from both bank accounts and the statement. Hope this helps and please let me know if there is further information I can provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

letter is in regarding the inaccurate entry being reported under bankruptcy .I have repeatedly asked for evidence to support your reporting, but yet again, You have failed to provide me with a copy of any viable evidence submitted by BANKRUPTCY COURT. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 
Additionally, I provide the letter by UNITED STATES BANKRUPTCY COURT SOUTHERN DISTRICT OF FLORIDA. 
I am again formally requesting to be remove from my credit report a the Bankruptct and public Records. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting.
Product: Debt collection

XXXX XXXX XXXX, represented by the law firm XXXX XXXX XXXX, purchased a credit debt from Synchrony Bank via a bill of sale on XX/XX/XXXX. Subsequently, they filed a summons in XXXX XXXX XXXX, Colorado, case # XXXXXXXX XXXX XXXXXXXX, seeking {$1400.00}. 

XXXX presented an exhibit showing the Synchrony Car Care account as of XX/XX/XXXX, which indicated a XXXX balance and no past due amount. However, the exhibit did show a credit adjustment of {$1300.00}. 

In a Motion for Production of Documents on XX/XX/XXXX, XXXX has yet to provide a contract for the debt, a debt validation letter, or any notes regarding the Synchrony account.

No did Synchrony send a right to cure letter.
Product: Checking or savings account

I saw an advertisement ( email ) from Wells Fargo to open a checking account and I would receive {$320.00}. I went through the steps and opened the account, but never received money. I even set up direct deposit that day, even though it said the code would be applied through the application process sent from the email. This was highly upsetting! I only opened the account because I have my auto loan through Wells Fargo, and wanted to use that money towards the late fees I had accrued. I thought this would help me get caught up. However, I lost my job soon after and had a bank account I didn't want, no extra funds, and late fees still accruing. I'm just now getting caught up a year later, and feel this may have been an intentional or unintentional way of keeping customers behind, while making us bank with Wells Fargo. I know I can't be the only one with a similar situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The reason for my complaint is I had an open credit account with a store named XXXX XXXX via XXXX XXXX that account was always in good standing and as of XXXX XXXX 2017 my credit score with XXXX was XXXX and it was over XXXX with TransUnion. What happened was that XXXX closed my account due to XXXX going out of business not because I did anything wrong with my credit line. Subsequently what happened was my numbers dropped 48 points for something that was out of my control. It hurt me because I am currently attempting to  acquire a home. I have sent those agencies emails in regards but I have not heard anything back from anyone to fix my numbers to where they were.
Product: Debt collection

PORTFOLIO RECOVERY # XXXX, # XXXXI have a a unverified account from PORTFOLIO RECOVERY. I had previously disputed this account. I have never done business with PORTFOLIO RECOVERY. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that PORTFOLIO RECOVERY Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that PORTFOLIO RECOVERY Cease and Desist all further communications and collection actives and provide the verification of the purported debt. I need a physical copy for my records a contract, proof of claim, or any signed documentation for my review.
Product: Credit card or prepaid card

In XXXX, I lost my job in XXXX due to COVID-19. I missed exactly 2 payments. From XX/XX/XXXX to XXXX XXXX. I was able to get in good standing in XXXX when I got a new job. However I called Capital One and asked for a Goodwill Adjustment on those payments since they happened exactly at the cusp of the Pandemic. And Ive had that account for exactly 12 years. Since XXXX They said there was nothing that they could do. But I think this is ridiculous due to the fact that they were well aware of the pandemic. I'm really trying to get everything back together.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company said that they sent their response directly to me and provided a copy to the CFPB, this is false. I have not received anything from them or the CFPB. I notice that you are still reporting this collection on my credit report, which is considered to be a collection activity. You are now in violation of the FCPDA and need this account deleted.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items in there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ). In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Accounts : XXXX. XXXX XXXX, XXXX - This account is being reported inaccurately, please remove this from my credit report immediately. 

XXXX. XXXX XXXX, XXXX - This account is being reported inaccurately, please remove this from my credit report immediately. 

XXXX. XXXX XXXX, XXXX - This account is being reported inaccurately, please remove this from my credit report immediately. 

XXXX. XXXX XXXX, XXXX - This account is being reported inaccurately, please remove this from my credit report immediately. 

XXXX. XXXX XXXX, XXXX - This account is being reported inaccurately, please remove this from my credit report immediately. 

XXXX. XXXX XXXX, XXXX - This account is being reported inaccurately, please remove this from my credit report immediately. 

XXXX. XXXX, XXXX - This account is being reported inaccurately, please remove this from my credit report immediately. 

XXXX. XXXX, XXXX - This account is being reported inaccurately, please remove this from my credit report immediately. 

XXXX. XXXX, XXXX - This account is being reported inaccurately, please remove this from my credit report immediately. 

XXXX. XXXX XXXX XXXX  XXXX, XXXX- This account is being reported inaccurately, please remove this from my credit report immediately. 

XXXX. XXXX XXXX XXXX, XXXX- This account is being reported inaccurately, please remove this from my credit report immediately.
Product: Debt collection

Subject : Dispute of Debt Collection Account, Reference No : XXXX I have attempted to dispute the validity of the debt you claim I owe, which is referenced above. According to my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically under 15 USC 1692ce, I am requesting validation of this debt.

I dispute the following aspects of the debt : Accuracy of Information : I have no record of owing any debt to the creditor as stated in your collection notice. Therefore, I request detailed information about the origin and nature of this debt, including the original creditor 's name and contact information, the original account number, the dates of the alleged debt, and a breakdown of any fees or interest charges applied. 

Verification of Debt : Under the FDCPA, I am entitled to verification of this debt. Please provide documentation that substantiates your claim, including copies of the original agreement with the creditor, any contracts or invoices, a complete payment history, and proof of ownership and legally allowed to collect on this debt in my state.

Cease Communication Request : As provided by 15 USC 1692ce, I am formally requesting that you cease all communication with me regarding this debt, except as allowed by law, until you have provided the requested validation. Further communication in violation of this provision will be considered harassment and a violation of federal law.

Please note that failure to provide the requested validation within 30 days has resulted in a formal complaint being filed with the Consumer Financial Protection Bureau.