23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX I applied for the Capital One Spark Classic Business Card which is a card for building business credit I was pre approved for the card on that day and completed the application attached to the promo after completing the application with my and my businesses information I was approved for a line of {$2000.00} with an APR of 29.99 % and no Annual fee I was provided with having to upload verification information about me and my business I uploaded the request SSC, Drivers License, and for my business the IRS provided EIN, Quarter Earning statement, and Tax Exempt Certificate for the state of my business which connects the business to me. After submitted in the portal on XX/XX/XXXX I receive adverse action letter saying I can't be approved due to not being able to be verified or being incomplete. Everything was completed and extra documents than necessary were provided. 

I feel this is a very generic reason to be denied lacking specifics and that it is subjective to be discriminatory in nature against my business which is an XXXX affiliated company. I ask for your help in adversing the denial since the proper documents were provided in a timely manner. The resolution I seek is to overturn the denial and grant the credit line open with the minimum {$2000.00} as per the terms I agreed to. Application ID XXXX I also have accounts with capital one on the personal side and have a history of timely payments. In my complaint I attached all my business documents for review on request I would gladly provided personal identity documents if needed by CFPB to substantiate my claim and resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit score went down significantly although nothing changed on my report. I called Experian and spoke with representative XXXX and asked for an explanation as to why the company took such a large number of points from my score and continue to take points. His response to me was that the company can not give me an explanation. 
My email address is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inncorect inquires on my credit report that are were not authorized. They have negativitly affected my credit report. Below are the unauthorized inquires. 

XXXX AMEX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Receivable Management- {$170.00} My information was exposed in several data breaches, was the victim of identity theft, and several accounts were opened with unauthorized, fraudulent use.
Product: Checking or savings account

On XX/XX/18 at XXXX I withdraw {$6500.00} from by XXXX account for business purpose to transfer to bank of America account of my business partner which I needed to deposit {$7500.00}, my plan was to use {$6500.00} from XXXX account and to withdraw {$1000.00} from BOA account. 
I then went directly to the ATM to withdraw {$1000.00} from my bank of America account ( I had to do 2 transaction, 1 for {$800.00} then for the remaining ). I then walked to to the teller to do the complete deposit of ( {$6500.00} and {$1000.00} that I had withdraw from my BOA account ) to do the deposit to my business partner account who he also a BOA customer as well. I was redirected by the teller to deposit in my account then to do a online transfer. I proceeded to the atm the first transaction I tried was for ( {$1000.00} which the transaction only allowed XXXX and returned {$20.00} ) -this amount was successfully deposited. I then proceeded to do the remaining ( from the {$6500.00} I took out a portion of the money and inserted in the machine ) the machine took the money never returned it, then posted the error message that I have attached. I then ran to the teller to explained what had happened, she then took the envelop with the remaining cash that wasn't deposited and calculated it to be ( {$2100.00} the amount that I never got a chance to deposit. ) she then advised me to make a claim and assisted me to use there phone number. I filed a claim and was advised it could take 7-10 business days. I explained that this was my money and clearly this was their error which was a huge inconvenience, considering I had business arrangement which end up costing me to incur interest and also considering that was the holiday weekend- no one considered to even give me a temporary credit of apart of the money- considering the inconvenience. I called everyday after and was told they are waiting to balance the machine with no regards on my situation faced. couple days after I was told they recovered only {$3200.00} from the missing {$4400.00} which they then closed my claim saying it was resolved. After numerous calls and asking for further assistance or a manager my claim was reopened, hours later I received a call from the manager that my claim was close and the machine doesn't make error and she is closing my claim. To date I have only received {$3200.00} which I am still missing {$1200.00} with a close claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting this compliant in reference to CREDIT COLLECTION SERVICES knowingly reporting inaccurate data. My credit profile is affected by these penalties this looks SUSPICIOUS AND DECEPTIVE, I demand proof " TO SEE '' Valid Authorization/proof of alleged debt. Report without valid proper discloser requirements are in direct violation of my consumer rights. I XXXX XXXX legally requested a description of details of the verification process used to verify this alleged account. Federal law requires you to respond in 30 days failure to comply with these federal regulations by FTC u.s c41, et esq
Product: Credit reporting, credit repair services, or other personal consumer reports

The Experian credit reporting agency needs to have the following hard inquiries deleted from my report because it has been over 7 years. 

XXXX inquiry made on XXXX of 2017 XXXX inquiry made on XX/XX/2017 Please delete these inquiries immediately. 

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

I disputed accounts with Equifax that had unauthorized charges due to previous identity theft. These charges were not discovered for some time, and because of this I was unable to file a police report. However, I did submit the claim to the federal trade commission upon discovery. As a consequence, I disputed accounts associated with this identity theft and Equifax refused to remove the information. I attempted to submit a new dispute with a personal statement, FTC documents and other supporting information via the Equifax website and received errors for XXXX  days straight. I finally printed and faxed the information to Equifax and the subsequent dispute was still not a success as Equifax refuses to remove this damaging information. As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 
If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. The associated account are as followed : XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX In addition, Equifax continues to report XXXX on these closed accounts.
Product: Credit reporting or other personal consumer reports

My student loans were forgiven under the XXXX plans on XX/XX/XXXX. The balance was reduced to zero and status was paid in full. This showed on their website and on a Mortgage Verification letter. I waited the normal cadence for XXXX, which according to the historical reporting was the final day of the month. No updates were made. I disputed with all XXXX major bureaus and even after an investigation by XXXX, they still claim my balance is over $ XXXX and not closed as paid in full, in spite of I formation o t heir website and on the mortgage verification letter for potential lenders.
Product: Credit reporting or other personal consumer reports

I have sent XXXX different disputes regarding a Bankruptcy that shows on my Credit Report. I have sent disputes showing this account doesn't belong to me as well as information contained in the Bankruptcy. They continue to say it was verified but the BANKRUPTCY COURT has verified to me that they DO NOT verify any information with Credit Reporting Agencies or 3rd Party 's such as XXXX. on XXXX different occasions ive been lied to about verifying this inaccurate account that doesn't belong to me. Can someone please hold them accountable for their lies and deception to me and to the public?
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX  which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accountsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

The Credit Bureaus never did the proper " investigation '' according to the FCRA The term " investigation consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information. 
They did not do this.

Also, they have violated my rights even more in accordance with the Fair Credit Reporting everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigated but how is that possible if the open dates are inaccurate, the date last active is inaccurate, and the date last reported is inaccurate. This is grounds for removal. They also violated the law because according to 15 u.s.c 1681 section 602 A. States i have the right to privacy and 15 u.s.c 1681 section 604 A Section 2 states a agency can not furnish without my instructions. I didnt give nobody written instuctions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have identified several instances where XXXX and Transunion have failed to comply with the FCRA, specifically 15 U.S.C. 1681, 15 U.S.C. 1681i ( 5 ), 15 U.S.C. 1681 Section 602a, 15 U.S.C. 1681 Section 604a Section 2, 15 U.S.C. 1681c ( a ) ( 5 ), and 15 U.S.C. 1681s-2 ( a ) ( 1 ). 

The violations that I have uncovered are as follows : Inaccurate Reporting : Upon reviewing my credit report obtained from XXXX XXXX, I have discovered numerous inaccuracies that are inconsistent with my credit history. These discrepancies, including incorrect dates ( last verified, opened and/or closed, and last activity ), balances, and account status, have a detrimental impact on my creditworthiness and financial well-being. 

Failure to Conduct Reasonable Investigations : According to 15 U.S.C. 1681i ( 5 ), it is the responsibility of XXXX and Transunion to perform a reasonable investigation upon receipt of a consumer dispute. However, my investigation reveals that XXXX and Transunion have not fulfilled this obligation adequately. They have failed to correct or respond to the disputed items within the statutory timeframe, impeding my ability to rectify the inaccuracies in my credit report. 

Failure to Disclose Information : Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), XXXX and Transunion are required to disclose complete and accurate information to consumers upon request. However, I have encountered difficulties in obtaining comprehensive information regarding the sources and nature of the reported items. This lack of transparency hampers their ability to verify the accuracy of the reported information. 

Inadequate Data Security Measures : I have uncovered concerns regarding the effectiveness of XXXX and Transunion 's data security protocols. In light of the increasing prevalence of identity theft and data breaches, it is essential for XXXX and Transunion to maintain robust measures to protect consumers ' sensitive information, as mandated by 15 U.S.C. 1681 Section 602a. 

These violations by XXXX and Transunion undermine the integrity of the credit reporting system and have a significant impact on my financial well-being. Therefore, I urge you to investigate this matter and take appropriate enforcement actions to ensure compliance with the FCRA. 

I have enclosed supporting documentation, including copies of my credit report, highlighting the reported inaccuracies and inconsistencies. Kindly acknowledge receipt of this complaint and provide updates on the progress and resolution of the investigation. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take appropriate action to address these violations and protect the rights of consumers under the FCRA.
Product: Vehicle loan or lease

XXXX XXXX XXXX from the finance department of XXXX XXXX Toyota told me in an email on XX/XX/XXXX at XXXX XXXX  that canceling the GAP and service contract " would not lower my payment. '' After asking XXXX XXXX on XX/XX/XXXX at XXXX XXXX  by email for a cancellation, again on XX/XX/XXXX at XXXX XXXX   by email, writing the Dealership 's General Manager on XX/XX/XXXX, waiting 8 weeks and then asking again on XX/XX/XXXX at XXXX XXXX  ; the GAP and service contract amounts were refunded to Toyota Financial Services on XX/XX/XXXX. My online statement showed that my payment would be lower to {$190.00} on XX/XX/XXXX, but I have still been paying the full amount based on the information that XXXX XXXX XXXX from XXXX XXXX XXXX supplied. If XXXX XXXX is an authorized representative of Toyota Financial Services to advise customers of the amount of their loan payments, he is suppling confusing information, has an undisclosed financial conflict of interest and is acting beyond the scope of his role at the XXXX dealership. He could be motivated to do this as he financially benefits from the commissions on the GAP and service contracts. When he advised me to not cancel the GAP and service contracts in an email on XX/XX/XXXX at XXXX XXXX, he should have disclosed his financial benefit from these services or provided no advice at all.
Product: Money transfer, virtual currency, or money service

PayPal BANNED/CLOSED my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months, I even verified all info needed for my account to operate as needed. I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX Please help, thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint shall be labeled as a follow-up to my previous complaint. I want you all to remove the erroneous items in my file for they have not affiliated with me and are inaccurate. 
Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXXXXXX Balance : {$4100.00} XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, No agency shall disclose any records which is contained in a system of records, by any means of communication to any person, or to another agency ( Privacy Act 1974 ). Cancelled Debts states that a charge off is considered a certificate of indebtedness, which means it is income that can not be reported to consumer reports ( IRS Publications 4681 ). Disputed debts states if the consumer notifies the debt collector within the 30 day period that the debt, or any portion thereof, is disputed, the debt collector shall cease collection of the debt ( FDCPA, 15 U.S.C. 1692 ( g ) ). Any person who obtains a consumer report from a consumer reporting agency, under false pretense, or knowingly without a permissible purpose shall be liable to the consumer reported agency for actual damages, sustained by the consumer reported agency or {$1000.00} which ever is greater ( FDCPA, 15 U.S.C. 1681 ( n ) ). A non-afflicted third-party that receives from a financial institution shall not directly or through an affiliate of such receiving third-party, disclose such information to any other person that is a non-affiliate third-party, unless such disclosure would be lawful if made directly to such other person by the financial institution ( FCRA, 15 U.S.C. 6802 ( c ) ).
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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Let me just start off by saying that I have paid close to {$1000.00} in fees this year with Chase bank and I specifically have the " allow overdrafts '' " debit protection '' ( misleading name ) disabled so as to not incur overdrafts. 

On XXXX my checking account was negative from some ACH payments that cleared ( XXXX refunds ). I had to call XXXX to get funds released from a dispute and ( unlike Chase ) they were able to help me out and credit the funds ( ~ {$1000.00} ) instantly. The funds had already been refunded from my checking account, so I needed those released since I had sold an item and was being scammed and provided documentation and all that. Those were the ACH transactions mentioned above. 

I used the withdraw functionality on XXXX to withdraw enough to my Chase account so that it would be positive, I used the instant transfer to debit card ( it really is instant ) and had a decently positive account balance. 

I then transferred some money to my girlfriend using the debit card to do so, since you know I checked and had more than enough money to do so. I was also able to make a small purchase and then I went to bed. 

When I woke up, I woke up to {$100.00} in fees ( 3 separate overdraft fees for the 3 refunds that were done at THE SAME TIME ) and a negative account balance again. What. The. XXXX. How can you go to bed with a positive account balance, after using said balance, checking your account online and making sure everything is okay, and STILL be charged overdraft fees? Because you have a Chase account, and they do n't care about your positive account balance, they will find a way to make it negative and continue to XXXX you over with fees. 

I then thought, well maybe this is a mistake, and the system ordered the transactions the wrong way and I need to call them and they will help me out. I was wrong. The first account representative kept providing me useless tips that had nothing to do with this specific problem. They said, " you are at your allowed returned fee limit for the year. '' Well XXXX, because you do this every single month. They continued to be useless, and I was then transferred to a manager to file a formal complaint who proceeded to lecture me with account tips and did n't acknowledge my position here and asked me if there was anything else she could do, other than account related things, so I said no and hung up. I do n't think there 's even a complaint there internally so I 'm making one here. 

After this paycheck I will be closing my Chase account, because they 've literally done nothing but charge me fees and ignore me as a customer. It should n't even be legal to charge the fees they charge, just because they know you will have a direct deposit and they can make whatever they want on them. XXXX$34.00} fee on a {$9.00} item? Yeah, no problem. Should we batch up multiple since the transactions happened at the same time? No, charge the customer 3 separate fees because we do n't care about them. What if they call? Just tell them you ca n't fix their account, but ask if there 's anything you can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Is been about 6 months or so that I been contacting the credit reporting company about this problem. There is a bankruptcy being reported and I spoken to all 3 agencies about this. They told me that XXXX is reporting this as accurate. I spoke to XXXX and they have informed me that they Do Not have a file on me and are not reporting any bankruptcy and Have Not reported to the credit bureau. I been asking them to investigate this and it keep coming back as verified, but by who because XXXX is not reporting like its stated on my credit report. Also I dispute this with XXXX and it's been removed already.
Product: Bank account or service

On XXXX XXXX I submitted a claim regarding a banking promotion with citibank. The claim number is XXXX. On XXXX XXXX Citi responded that they would credit my account with XXXX thank you points since I had met the terms of the promotion. The correspondence from XXXX XXXX stated that the points would be deposited in 60 days ; according to this schedule the points should arrive by XXXX XXXX. Yesterday on XXXX XXXX I logged into to redeem the points that had been granted and the points from this account were missing. The representative that I spoke to said that the points had been forfeited. I explained that the points had just be granted after a dispute and were due to be deposited by XXXX XXXX. I worked very hard to ensure that I received this bonus and am very upset that Citi seems to have revoked their offer.