23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I am unhappy and seldom a user of Chase 's credit card. 3 years ago, they left me on my own and allowed a dentist to take {$4500.00} of my money without fulfilling their responsibility and fixing what they charged me for. After that time I stopped using Chase card altogether but I was told if I close the account it would impact my credit score negatively so I held on to the card. 

Last XXXX, I made a reservation for a group of friends for a XXXX XXXX trip that due to large bill size I had to split the cost into two credit cards ; one was a Chase bank credit card. Due to recent Covid events in XXXX that impacted almost all of the people in my party we decided to cancel the trip. The portion of refund in my Chase credit card was {$12000.00}. I contacted the credit card 's customer support on the XXXX of XX/XX/XXXX and was told the request was noted and I would get an email within 24 hours. After 48 hours I did not get any emails. 

When I called to check on the XXXX of XX/XX/XXXX, the agent told me that the request is in process and I would get a response with 24 hours. Again no email was received after 4 days. I called back and tried to talk to a supervisor on the XXXX of XX/XX/XXXX and all I found out my request is dated the XXXX of XXXX and not the XXXX. Also, the only help I was given was a mailing address and a Fax number. in XXXX where everything is instantaneous and electronic I was given options more suitable to XXXX. 

Over and beyond, I was told that they would send my money by check which usually takes 7 to 10 business days and naturally another 3 business days to be cashed into my checking account.

This is a daylight robbery from thousands of people like me who have a negative balance where Chase is profiting illegally. On their own website, they publish the rate they are charging others for my money is ( https : //www.chase.comXXXX ) is 0.0308 % /day which adds up to {$3.00} a day or {$110.00} a month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had been disputing a charge on my credit report with experian every chance it would let me because the account from the start just hasn't been handled properly. XXXX ( fair credit and outsourcing ) put a debt on my credit that they gave me no chance to dispute before they did. And I have proof of that. I finally got them taken off after experian investigation and waiting the 30 days. I was thrilled to see it come off and my credit went up like it should have been this whole time without them on it. XXXX days later I get an alert that they " found '' more information and put it back on. 30 days is the allotted legal time. There should not have been any more time to look into it and shouldn't for sure went back on to my credit report from anything else that was found because the 30 days was given and it was deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE MADE NUMEROUS COMPLAINTS ABOUT ADDRESSES BEING REPORTED ON MY CREDIT REPORT THAT I NEVER LIVED AT. I WOULD LIKE TO REMOVE ALL THESE INACCURATE ADDRESSES AND ONLY HAVE MY CORRECT ADDRESS SHOWING ON MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX and 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 reporting, credit repair services, or other personal consumer reports

In XX/XX/2020, I sent a USPS certified mail to Experian Consumer reporting agency to remove an unauthorized hard credit inquries. The agency fails to proceed, failed to remove, and not responded to my concern. Before my submission, I tried fixing the problem with the financial institutions, unfortunately, is unsuccessful. The financial institutions were unable to verify the inquiries belong to me but failed to proceed. The Credit agency was received my certified mail on XX/XX/2020 ( See attached documents ). However, not proceeding with the timeframe was required by Federal and State Law. Reference to the credit agency action, my credit was hurt.
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. 
Disputed Accounts : XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX : Account Number : XXXX XXXX Account Number : XXXX Disputed Inquiries : 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 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 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 reporting, credit repair services, or other personal consumer reports

Experian while I was logged into my account advised me to apply for a credit card they promoted as one that would help my credit score. This time they lied straight up. The company rejected me then XXXX XXXX  through an arrangement with Experian lowered my score over 30 pts. and refused and still refuse to acknowledge what happened. Keep in mind that not only have I managed to pay off a car loan early keep credit cards always paid in full and on time as per all the credit bureaus advice yet they still lower my score FOR PAYING LOANS ON TIME AND PAYING CREDIT CARDS ON TIME AND PAYING RENT ON TIME. This has been going on for a year AND THEY DO NOT REPLY. Sending me a message that is not only a lie but utterly irrelevant to the complaint. 
And I'm not sure what you do besides nothing. These guys are allowed to get away with anything and you do nothing you allow them never to answer a single complaint. I'm so sick of being punished because all or our so called consumer protection is one big lie followed by more lies.
Product: Credit reporting or other personal consumer reports

please delete the following accounts and inquiries : XXXXXXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXC Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Debt collection

Experian shows incorrect record from XXXX XXXX XXXX for a medical record not owned by me. They show records from that hospital multiple times. I have tried to reach many times to them and they validate that the person they intent to report is not me but someone else but again next time that appears in my report. I have lodged a complain with them sharing my Id details and report too.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a late payment entry on my credit report that is being reported by ( XX/XX/XXXX) The XX/XX/XXXXXXXX XXXX XXXX This late payment is inaccurate, and I request their immediate removal under my rights granted by the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws. 

The account was suddenly closed suddenly by the Creditor and has been reported 90 days late as of XX/XX/scrub> 2025. 

Basis for Dispute : Violation of 15 U.S.C. 1681 ( a ) The Fair Credit Reporting Act requires that all information reported to consumer reporting agencies be accurate, complete, and verifiable. I demand documented proof that these late payments were correctly reported. If the furnisher can not verify the accuracy of the reporting, these late payments must be removed.

Violation of 15 U.S.C. 6801 The Gramm-Leach-Bliley Act ( GLBA ) mandates that financial institutions ensure the security, confidentiality, and accuracy of consumer financial data. I have reason to believe that my data may not have been handled with the necessary diligence.

Violation of 15 U.S.C. 1692c ( c ) The Fair Debt Collection Practices Act ( FDCPA ) establishes that consumers have the right to dispute and request validation of any alleged debt. I demand validation of these late payments, including a copy of original payment history and proof that I was properly notified per the terms of my agreement.

Violation of 15 U.S.C. 6802 Under the GLBA, financial institutions must provide clear notice to consumers regarding how their data is being used and must ensure proper security. If there were any miscommunications or errors in reporting, these late payments must be deleted as they were not properly disclosed or verified.

Request for Immediate Action : Please provide full validation and evidence of these late payments within 30 days. This includes a signed contract proving I agreed to the terms, payment ledger documentation, and proof of notice before reporting derogatory marks. If the information can not be fully verified, I request that all late payment entries be permanently removed from my credit report across all bureaus ( XXXX, XXXX, and XXXX ). I request confirmation of this correction in writing. Failure to comply with this request may result in a formal complaint to the Federal Trade Commission ( FTC ) and possible legal action. I appreciate your prompt attention to this matter. 

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

I recently visited my doctor for a XXXX XXXX that I need to live. I was directed to the finance department to weigh my payment options. I was refused the funding I need because of an error on my Equifax credit report. I was advised to resolve all errors before I could have my XXXX. I am under extreme stress as I can't eat without this XXXX. The error is as follows, XXXXXXXX XXXX XXXX XXXXXXXX account # XXXX Payment status COLLECTION for XX/XX/2022. The payment status for XX/XX/2022 is incorrect.
Product: Credit card

XX/XX/year> - Received test message stating " Thanks for giving capital one your mobile number. You may get texts with important info about your account from XXXX or XXXX. '' - I had not opened an account with capital one. I assumed this message was spam. 

XX/XX/year> - Received text message stating " Hi, your new XXXX Credit Card has shipped and should arrive by XX/XX/XXXX. Track you card 's shipment in the app. '' - This was concerning but I again thought it could still be spam. I did not want to act until a shipment arrived. 

XX/XX/year> - Received text message stating credit card had shipped. 

I never applied for this credit card. I did not have an account with capital one. I investigated if my phone number was tied to a an account and it was. I was able to note the username. I never received an email from capital one regarding this credit card application or an account opening. I have not activated my card- atleast I personally have not.
Product: Credit reporting or other personal consumer reports

The credit reporting agency Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate and unverified accounts unresolved. The Consumer Financial Protection Bureau has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed the items despite the evidence I provided. Causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting

XXXX XXXX has sent the same letter 2 times to all credit agencies to inform them to take the mortgage off my credit as derogatory. The first letter was sent in XXXX and the second was sent in XXXX. XXXX is the only one that has done this. The others have not and it is hindering us getting another home loan. It has been well over the 90 days they say it can take to fix this. We are now approaching 180 days. XXXX the amount of time they say it could take.ni am fed up with this and want this fixed NOW!!!
Product: Debt collection

I have been trying for months to get resolved an account that was opened due to identity theft. 

The original debt was with XXXX XXXX XXXX and I believe Financial Assistance is the one collecting on it. I have contacted the person in charge of the collection and forwarded them a copy of my police report and to no avail they continue to report this debt on my report They are reporting 3 accounts XXXX, XXXX, XXXX. I am attaching a copy of the same police report i sent them in hopes someone can help me get this matter resolved.
Product: Credit reporting or other personal consumer reports

I have attached the comprehensive documentation submission for the CFPB and its XXXX XXXX to review. This documentation was submitted to Experian and the XXXX XXXX XXXX XXXX to remove adverse information that was a result of Human Trafficking. I am asking that the leadership examine all documents and request that Experian respond to the Consumer Financial Protection Bureau ( CFPB ) and XXXX to specify the information that they are unable to verify, and why adverse information is still reflected on my credit report. 

I DID NOT give Experian nor its representatives ( XXXX XXXX ) permission to access any of my sensitive personal health records to verify human trafficking status. Experian and its representatives are disobeying laws set by XXXX as they are creating barriers to keep innocent Americans stuck in negative credit reporting. Experian has declined my request to remove adverse information that resulted from severe form of trafficking repeatedly since XX/XX/XXXX stating that they are unable to verify human trafficking victim status. Please keep in mind that CFPB has taken regulatory and enforcement actions to strengthen the consumer reporting and furnishing systems. Consumer reporting companies failed to block or remove information related to human trafficking. Examiners found that Experian refused to honor consumer requests to block information associated with human trafficking based on overbroad AND unauthorized criteria. In response to the CFPBs findings, the involved consumer reporting companies were required to take corrective actions. For example, CFPB examiners directed consumer reporting companies to revise their compliance processes to ensure that they process all human trafficking block requests per the law. 

In XXXX, XXXX passed the XXXX XXXX XXXX XXXX, forbidding consumer reporting agencies from including negative information related to XXXX and/or labor trafficking in consumer reports. A consumer reporting agency XXXX not make a determination based on the validity of the facts or circumstances in the consumers trafficking documentation submission. A consumer reporting agency does not have discretion to challenge a consumers determination that an adverse item of information resulted from a severe form of trafficking in persons or XXXX trafficking under the XXXX. A consumer reporting agency XXXX only decline and rescind a block if a victim determination letter has NOT been provided. Experian and its representatives does not have the XXXX to dispute victim determination documents NOR conduct unauthorized verification of protected health information that a facility is not allowed to disclose under XXXX rules and regulation. 

I should also mention that XXXX, who have followed the law set by XXXX and signed by XXXX XXXX XXXX, had everything completed by XX/XX/XXXX. XXXX prompt service has shown the barriers and harm that Experian and XXXX XXXX has created to not only harm me, but to others facing the same ordeal. Unacceptable.
Product: Credit card

Me and my wife called into Amex to get our cash advance pin with customer service and they sent a link ... To the email to obtain the pin... While on phone she asked if I wanted to be an authorized user so I said yes... They got my info and ran my credit and approved me... We hung up and used the login link for the cash advance pin and it doesn't work... Called back and spoke to many different people... They told us because we called into get the pin as instructed by customer service who switched the call over to cash advance people... The cash advance portion of the credit card would be locked for 60 days... I was furious because I don't want to be on a credit card that can't use the cash advance aspect but more importantly they impacted my credit and I feel unethically did the bait and switch... I would like to pursue monetary compensation for the rude person on the line and negatively impacting my credit ... Is this the correct place to go? I need help. Thank you so much... I'm not good at articulating what happened in writing so I would prefer to speak to someone on phone...
Product: Credit reporting or other personal consumer reports

I am writing to request an investigation of the following information that appears on my consumer report. I have NEVER opened or used the following accounts. Please investigate these fraudulent accounts and mail me an updated credit report. These accounts are FRADULENT. 

XX/XX/XXXX( open date : XX/XX/XXXX )XX/XX/XXXX( open date:XXXX ) dept of ed ( open date : XX/XX/XXXX ) dept of ed ( open date : XX/XX/XXXX ) dept of ed ( open date : XX/XX/XXXX )
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my dispute regarding in accuracies and my credit report. Despite my submission, XXXX continuously reports within XXXX hours stayed in the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, which mandates a responsible investigation of disputes. Furthermore, XXXX actions may also contravene the customer financial protection act ( CFPA ) 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceedings ( File XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides customers with necessary proof of investigation. The following inaccuracies are as follows ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX )
Product: Mortgage

My home loan ( and servicing ) was sold to a company called PHH Mortgage back in XXXX. I have been trying for a couple of months to contact them to setup direct debit for my monthly mortgage payments. I can not contact anyone who seems to be in the XXXX but instead I get routed to a call center in the XXXX. I have not been receiving paper statements by mail to confirm what my payment is. I have made two one-time payments through their online system but I have reason to suspect they are applying the entire payment towards my balance and nothing is being applied toward interest or escrow. But because I can not contact anyone through their numerous customer service phone numbers, I can not confirm what is going on. As a side note, I have done a search of online reviews for this company and was astonished to find that hundreds of others seem to be having the same ( and other ) problems with this company. It seems to me that they are exercising horrible ( and even illegal ) business practices and something needs to be done to protect me and others as consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed the following unknown inquiries that I did not authorize that still havent been removed from my Transunion credit report : XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX