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

I was cornered into signing up for a XXXX XXXX credit card to receive a {$100.00} discount on merchandise. They wanted to give me a $ 20k credit limit on the spot. My credit score was XXXX at the time. It is now XXXX. I contacted credit representatives at XXXX XXXX and requested a REDUCTION to $ 2k. The consequent of my request was to lose XXXX basis points from my credit score. I contacted XXXX XXXX again and was told SORRY NOTHING WE CAN DO I IS EXPERIAN NOT US. I tried to call Experian but the number is electronic and there IS NOT PHYSICAL ADDRESS. For the record, I have destroyed the XXXX XXXX credit card and do not intend to use it. No, I did not receive the {$100.00} promotion. I will never do business with these people again. 

- I need a physical address for Experian. 
There is no excuse to lower my score for NOT USING a line of credit. I need to have a written discussion with management. 

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

XXXX XXXX XXXX ACCT # : XXXX XXXXXXXX XXXX XXXX XXXX # : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX THE XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ACCT # : XXXX XXXXXXXX XXXX  ACCT # : XXXX XXXX XXXX XXXXXXXX ACCT # : XXXX XXXX XXXX XXXXXXXX. ACCT # : XXXX XXXX XXXX XXXX ACCT # : XXXX XXXX XXXX XXXX XXXX XXXX ACCT # : XXXX
Product: Debt collection

Resurgent Capital Services received written notice from me on XX/XX/year> that I had no knowledge or verification of a debt they allege I owe. They have the wrong last name in the letters they send me. They have yet to furnish any proof of the debt. I have contacted the supposed original creditor, XXXX XXXX XXXX, twice to confirm I have no outstanding, negative, or charge-off accounts with them. I disputed this twice with all three bureaus and they will not change the information as they claim Resurgent has provided verification. Neither the credit bureaus or Resurgent have provided me with verification or proof of the original debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Early this year, I requested copies of my credit reports using the form on the CFPB 's website. I have not received copies of my reports. I believe I complained previously this year about this, but still have not gotten my reports. 

Recently, I was locked out of a credit card with XXXX  XXXX XXXX which had some false so-called " security '' questions it asked me. Because I did not provide the false answer that XXXX had purchased from one of the credit agencies, I could not get back into my account. 

This is a recurring problem with more than one bank. It has happened before with XXXX XXXX as well. The credit bureaus sell banks sewage that then is used to deny me advertised services with one or more credit card. 

Despite this, I have not received my free copies of my credit report, despite requesting them, in writing more than once already this year.
Product: Checking or savings account

I have been banking with wells Fargo since XX/XX/year>. I receive paper checks at my place of employment and do mobile deposit. I had no issues what so ever until one day I woke up and my account was negative over {$1000.00}, and then it continued about every week. I contacted wells Fargo immediately when it first happened and continued to do so until I just gave up when I realized they were no help. Initially they could not even tell me what was going on they thought I wrote a check from my account that bounced. That was not the case, they eventually said the checks that I had cashed from my employer, where then cashed else where. Which I do not see as my problem!? MY CHECKS from my emoloyer in MY NAME deposited into My account which all match up, where somehow accessed and cashed into a XXXX XXXX XXXX account which I do not have so can not possibly be in my name so there for the person who is committing fraud should be in the negative, not me! Wells Fargo would not even temporarily credit my account to investigate the situation or anything just now consider I owe it and have collectors calling me when this is something I feel is there fault! How did you not protect your customer from fraudulent activity how could you not try and dispute this with the other bank involved when everything in my name is in wells Fargo? Im {$4300.00} negative in my account!
Product: Credit card

On XX/XX/2023, I made a purchase of tires from XXXX XXXX XXXX XXXX for a total amount of {$940.00}. 
Unfortunately, I encountered significant issues with the items purchased, as they were not as described and proved to be defective. I attempted to resolve this issue directly with the merchant, but my efforts were met with unsatisfactory responses. 
XXXX XXXX XXXX XXXX initially referred me to the tire manufacturer, which I found to be an unacceptable resolution. I firmly believe that the merchant of record, XXXX XXXX XXXX XXXX, is the liable point of contact for this dispute, in accordance with my credit card issuer 's policies.

I followed the proper procedure for returning the tires to XXXX XXXX XXXX XXXX, and the merchant has acknowledged receiving the returned tires, which I personally dropped off at their location. Despite this, my request for a refund was unjustly denied. 
I must emphasize that XXXX XXXX XXXX XXXX did not communicate their return policy, including any stipulations regarding returns or refunds, prior to the purchase. Moreover, there is no signage within the store or a website that provides this information. The merchant 's stamp on the purchase receipt indicating " no returns or refunds '' was never mentioned during the transaction. This is a critical point, as it is my understanding that the merchant 's return policy should have no bearing on disputes that fall under Reason Code 53 : Not as Described or Defective Merchandise.

Furthermore, I possess documentation from XXXX XXXX XXXX,  a reputable automotive service provider, stating that the tires were indeed defective. This information has been made available to you previously.They professionally inspected the tires using proper equipment, including a XXXX XXXX XXXX  balancing machine. In stark contrast, XXXX XXXX  XXXX XXXX lacks the necessary equipment for such comprehensive testing and declined to seek a neutral third-party opinion regarding the tires ' condition. 

If you require any further information or clarification regarding this dispute, please do not hesitate to contact me at XXXX or XXXX. I appreciate your prompt attention to this matter and trust that you will take the necessary steps to ensure a just resolution. 
Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

SYNCB/PAYPAL - Banks and s & ls - Inquiry Reported to XXXX   XX/XX/XXXX - 2019 contact information PO BOX XXXX XXXX, MD XXXX ( XXXX ) XXXX I don't not recognize it as I don't own any account under SYNCB/PAYPAL. This is a mistake on the report as I havent given permission to any bank or lender screener company to pull out a report and needs to be corrected and removed.
Product: Checking or savings account

Fraud was committed on my account the beginning of XXXX for {$750.00} using XXXX. 
Chase Bank reimbursed me for the {$700.00} of that amount according to their fraud policy. 
Chase Bank then took the {$700.00} out of my account on XX/XX/2021, saying that it was a scam, and not fraud. 
This is a violation of 1 ) their policy, 2 ) business ethics, 3 ) my trust.

I would like my money back, and punitive damages for Chase so that this doesn't happen again to others like myself.
Product: Credit card

The problem is regarding the capital one quicksilver card. 
When you apply For the card it says theres a {$200.00} sign on bonus after spending XXXX. 
So I did so, I spent XXXX over the last 2 months and was expecting to get the reward. 
However I was not receiving the reward so I called capital one to ask where it was, and they told me the card was not eligible for the reward, even though it is advertised with the sign up bonus.
Product: Debt collection

XX/XX/XXXX I started receiving XXXX due to my XXXX. 
XXXX XXXX XX/XX/XXXX I stayed in the hospital due to having contractions and my daughter being born. 
Hospital never asked for my XXXX insurance card. I never asked since I have been to that hospital more than 3 times during my XXXX and they should have my insurance cards in their computer system. Today I looked at my credit karma and turned out XXXX never paid for my childs birth. I have {$15000.00} in collections that needs to be paid my insurance and my credit score dropped drastically bc of that. Please fix this. -XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to XXXX, Experian and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. XXXX is the company that is reporting this to Experian and XXXX. They removed it on XXXX but they were not able to remove it on Experian and XXXX. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/XXXX, XXXX, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. 
Money was transferred from my account via Credit card and bank transfer, and through an intermediary named XXXX in the total amount of XXXX CAD utilizing your services.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX DC XXXX date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Inquiry XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX date XXXX XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal XXXX XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT ABOVE IS A LIST OF INQUIRIES
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's 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. 

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

A XXXX account via XXXX XXXX was charged-off in XXXX. XXXX states on my credit report that the account was sold to a third party following the charge-off. The company that XXXX lists as the third party is different than XXXX XXXX who is the collections company purporting to collect on the same charged-off XXXX account that XXXX is reporting on my Experian credit report. 

XXXX XXXX and XXXX XXXX are both reporting negative information for the regarding the same XXXX funded account. This is a duplicate reporting that creates an unfair negative impact from a single account. Experian must remove the duplicate negative reporting.
Product: Checking or savings account

In XX/XX/XXXX, I opened a checking account with Chase, with the agreement and assumption that I would receive {$250.00} for opening a new account with direct deposit. When I did n't receive the {$250.00} as promised, I contacted customer service at Chase and was promised that I would receive the {$250.00}. After about a week of not receiving the funds, I went to a local branch for assistance, only to be told I had to contact customer service over the phone. I contacted customer service twice and two months later, I have yet to receive the funds promised to me. I feel that Chase is n't holding up to their end of the bargain and they are false advertising to get new customers to open new accounts.
Product: Debt collection

Amsher collection agency had reported 3 debts to the credit bureaus without sending any notifications by mail therefore not giving me my right to dispute the validity within 30 days
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed negative information on my credit report and didn't get a response back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting an obsolete credit account which can not be legally reported after 7 years. Request permanent deletion of all XXXX XXXX XXXX XXXX account XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct :
Product: Credit reporting or other personal consumer reports

IQ data international IN is reporting inaccurate information on my credit report. Ive reached out to them to ask for the purchase agreement to show full ownership of this account and didnt receive anything. I also never received any validation letter. They are reporting this information without my written consent and they are going against my effort to remove this account. The collection agency has engaged in False and misleading practices Violating FDCPA 807 and provided misleading forms violating FDCPA 812. There is also a {$1000.00} violation attached To this being reported on my credit. This will be my last time, giving the company an opportunity to cure the situation by having it removed off all my accounts. I have dealt with harassment for long enough and I am expecting a settlement offer within 10 days of this notice or further legal action will be initiated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made and uninformed decision when I applied for this card. It wasnt clear to me. ( law 15 USC 1602 ) So the agreement is fraud and a violation. Also They dont have permission to report on my consumer report with out my permission. 

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

On XXXX/XXXX/2017 I contacted XXXX to dispute multiple inquiries on my credit that I am not familiar with. I spoke with the rep and stated that multiple inquiries can not be verified and I asked for such inquiries to be removed because the creditor does not have written authorization from me to pull my credit. The rep stated that I need to send in a police report which is innacurate when the inquiries have not been validated.
Product: Checking or savings account

I was promised a {$300.00} reward for opening a new checking account. I met all the terms of the offer on the account sign up page. I was charged fees of {$25.00} per month for this account and told that I had to wait several months to collect this bonus. Finally, after many notes back and forth with TD bank through online secure messaging, someone finally told me that I could not qualify for the bonus based on previous account history. These terms were not disclosed during signup.
Product: Vehicle loan or lease

Credit Acceptance Corp over charged me for a vehicle and I cant afford it.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus Account name XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and the date last reported is not accurate this ground for removal. 

They also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The Law clearly states consumer reporting agency can not furnish a account without my written instructions. 

They also violated my rights under 15 USC 1681 section 611 ( 2 ) ( a ) : The Law clearly states that the credit bureaus have 5 days to notify me from when they received my disputes They also violated my rights under 15 USC 1681 section 611 ( 5 ) ( a ) ( I ) ( ii ) : The Law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen and as a result this account was opened. I am currently trying to get this account removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus have ceased to uphold their legal obligations and have ignored my written requests for the disputed accounts in my file to be corrected. I already asked the Credit Bureaus to reexamine the disputed accounts from my credit record and temporarily update these accounts from my report throughout the investigation time in a letter that I sent on XX/XX/2022. The Credit Bureaus have not responded to my request as of this date. The Credit Bureaus are required by law to conduct their inquiry within 30 days of receiving my letter and to provide a response within 5 days of the conclusion of their investigation. The requirements of the law have not been upheld by the Credit Reporting Agencies. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting accounts as unverified information without offering any justification within the legally required time range. The following accounts must be immediately corrected : XXXX : XXXX XXXX {$230.00} XXXX : XXXX XXXXXXXX XXXX {$280.00} TransUnion : XXXX XXXX {$230.00}