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

I had a credit card with XXXX that I was not actively using ( I have since cancelled this card ). In XX/XX/XXXX they charged me for an annual fee that I was not expecting. I had not paid an annual fee when opening the account in XX/XX/XXXX so either this was waived for the first year or they later started charging an annual fee. I never received a bill for this charge. In XX/XX/XXXX I used the card for the first time and later in that same month I received a bill / late notice from XXXX in the mail. I was shocked at this because I thought this was somehow for the charge I put on the card earlier in the month. I immediately paid the bill including the interest and late charge by doing a wire transfer. 

In XX/XX/XXXX I checked my credit and was shocked at seeing my credit score 80 points lower than last time I checked. I then discovered that the reason was the late payment on this credit card. I called XXXX to find out what this was about and how to correct it and was basically told that nothing could be done. 

I then started a dispute with each of the three credit bureaus. I explained the situation, and that I could not understand how I could be considered late for not paying a bill that I was unaware of ( the annual fee ) and that I never received a copy of ( no paper statement, no email ). I further explained, as they can see, that I have never had a late payment in over 30 years of credit history. The answer back from each of the credit bureaus is that they contacted XXXX and were told that the report was correct, so they were not going to change anything. 

It seems to me that the dispute path is just a waste of time if all they do is ask the company if they are right and ignore the fact that I take issue with how the company mishandled the situation. 

I don't see how someone can be late on a payment for a bill they are unaware of. 

I have include a copy of the bill from the day I received and a copy of the wire transfer that was performed on that same day.
Product: Checking or savings account

XX/XX/20 spent 2 hours this morning trying to log in to my account and cant. Discover does not know why. XXXX supv. XXXX XXXX XXXX Utah has me holding but us not fixing.
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXXXXXX DP OF EDUC XXXX XXXX DP OF EDUC - XXXX DP OF EDUC - XXXX DP OF EDUC - XXXX DP OF EDUC - XXXX DP OF EDUC - XXXX DP OF EDUC XXXX XXXX DP OF EDUC - XXXX DP OF EDUC - XXXX DP OF EDUC - XXXX XXXX XXXX XXXX - XXXX DP OF EDUC - XXXX DP OF EDUC - XXXX DP OF EDUC - XXXX XXXX OF XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] XXXX  XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance of the fair credit reporting act XXXX  account number : XXXX account name : XXXX XXXX XXXX  XXXX account number : XXXX account name : us dept of education account number : XXXX account name : 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 602 A. section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XX/XX/2022, I visited a few car dealerships to shop around and explicitly told these dealerships that I do not want my credit report run because I will be getting financing through my credit union as well as making a down payment. 

These dealerships then took it upon themselves to run my credit report over 20 times across different banks to try and find a rate that would beat my credit union even though I had just asked them not to do that. They did so against my wishes because they were aggressively trying to make sure I left with a vehicle that day. Below are these frivolous inquiries segmented by credit bureau. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX has collected and shared my personal information. XXXX XXXX XXXX has also unlawfully used identifing numbers such as the SSN whitch is unlawful use of a. Credit card. They do not have my consent to use or disclose any information about the XXXX XXXX XXXX. I have common law copyright and any variation of my name as well as a XXXX XXXX finance statement, hold harmless, indemnity agreement and payment Bond of file in their respective agencies. I am the Authorized Agent for the Corporate Fiction known as XXXX XXXX and withdrawal any and all contracts expressed or implied, presumed and or assumed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 at XXXX am I got a notification saying that I had a HARD INQUIRY from American Express. I never applied for American Express or had any dealings with them. I would like this removed from my credit report. And if possible can I find out who did it?
Product: Debt collection

It shows on my credit report tht on XX/XX/2019 a amount of {$1200.00} and another amount of {$1700.00} is owed to XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX OF TX ), .. I  have reach out to the creditor multiple times asking them to remove the account out of my name because it doesn't belong to me ... the name that's on the account isn't even my full name.. I disputed it and even went and got a police report due to fraud.. and the creditor is still stating there is nothing that they can do because the account is sold to someone else.. The debt was once removed and now its appearing back on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, XXXX, and Experian  about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX are incorrectly reporting recent late payments on the XXXX/XXXX account number XXXX. ( Please see page attached from my credit report. ) I never received the paper statement. I have excellent payment history on this account and when I realized this statement never arrived, I immediately contacted a representative with XXXX XXXX and made the payment. The representative I spoke with assured me that I would not be zapped with a late payment. Upon review of my most recent credit report, I see the late payment was applied. This incorrect reporting of a late payment is harming my credit score and needs to be removed. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Debt collection

NCB Management Services is reporting a debt of {$2300.00} from a tribal loan that is not legal under Federal usury laws which cap interest at 36 % or Florida law caping interest at 18 %. 

I would request NCB recalculate the balance to reflect all payments and a legal interest rate not bound by tribal jurisdiction or remove the item from all three credit bureaus. 

I had requested account verification from NCB and this was not provided within 30 days of the request nor has it been received to date.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against XXXX, TransUnion, and XXXX. I believe that these entities are violating the Fair Credit Reporting Act ( FCRA ) by requiring consumers to pay a premium subscription in order to file a complaint. 
I recently received a business credit card from XXXX XXXX. XXXX XXXX made a hard inquiry on my personal credit report, but they also reported the business credit card to my personal credit report. This was illegal under the FCRA, as the FCRA prohibits credit reporting agencies from reporting information about business credit accounts on personal credit reports. 
I tried to file a dispute with XXXX, TransUnion, and XXXX, but they all required me to pay a premium subscription in order to do so. This is a violation of the FCRA, as the FCRA gives consumers the right to dispute inaccurate or incomplete information in their credit reports for free. 
I am requesting that the CFPB investigate this matter and take appropriate action. I believe that XXXX, TransUnion, and XXXX are violating the FCRA by requiring consumers to pay a premium subscription in order to file a complaint. 
Also i am writing to dispute the following information in my credit report : Hard inquiry from Capital XXXX on XX/XX/2023 Business credit card account from XXXX XXXX I did not apply for a personal credit card from Capital XXXX. They sent me a XXXX Credit Card for XXXX XXXX. The hard inquiry and business credit card account are both inaccurate and should be removed from my credit report. 
I am a sole proprietorship and my business is legally separate from me as an individual. Capital XXXX is aware of this because I provided them with my business tax identification number when they sent me the business credit card. 
XXXX XXXX 's actions in making a hard inquiry on my personal credit and reporting the business credit card to my personal credit report were illegal under the Fair Credit Reporting Act ( FCRA ). The FCRA prohibits credit reporting agencies from reporting information about business credit accounts on personal credit reports. 
I request that you investigate this matter and remove the disputed information from my credit report. I am entitled to have accurate information in my credit report under the FCRA. 
Fail to remove this inaccurate information will result in my company filing a complaint with the Federal Trade Commission ( FTC ) because If an entity violates the FCRA, they are liable for damages, including actual damages, punitive damages, and attorneys ' fees. The amount of damages that can be awarded depends on the specific violation. 
Here are some of FCRA violations in this particular case : XXXX inaccurate or incomplete information in a credit report. 
Failing to investigate a dispute in a timely manner. 
Failing to correct inaccurate or incomplete information in a credit report after it has been disputed. 
Thank you for your time and attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX I hope this is helpful. Please let me know if you have any other questions.
Product: Debt collection

XXXX at XXXX XXXX a XXXX property falsely reported this rental to my credit as an eviction and they charged off the account without sending me a 1099c form while it is still in my credit report. This debt has been fully paid and satisfied. So while charging off the amount to the IRS to receive a tax cut they also received payment from me.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information contained in my credit report regarding a bankruptcy filing. Specifically, I refer to the bankruptcy case number [ Case Number ], which alleges that I filed for bankruptcy in the state of Georgia.

I wish to categorically state that I have never filed for bankruptcy in any state, including Georgia, and I do not reside in Georgia. This information is unequivocally incorrect and has caused significant damage to my credit standing and personal reputation.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, you are required to investigate and correct any inaccurate information on a consumer 's credit report. Therefore, I am requesting : Immediate removal of the inaccurate bankruptcy information from my credit report.

Proof of the bankruptcy filing, including the name and address of the entity that provided this information.

A detailed explanation of how this erroneous information was placed on my credit report and the measures taken to ensure such errors do not recur.

Furthermore, I have reviewed a report by the Federal Trade Commission ( FTC ) which underscores the importance of accuracy in consumer reporting. The presence of this incorrect information on my credit report is a clear violation of your obligations under the FCRA, and it must be rectified promptly.

Please treat this letter as my formal dispute and conduct a thorough reinvestigation of this matter. I expect a resolution and confirmation of the correction within the 30-day period as stipulated by the FCRA.

Enclosed, you will find copies of my identification and proof of residence, as well as a copy of my credit report with the disputed item highlighted.

Thank you for your prompt attention to this matter. I look forward to your response confirming the correction of my credit report.
Product: Checking or savings account

Hi, my name is XXXX XXXX. DOB XXXX. 
My Address is XXXX XXXX XXXX, XXXX, MI XXXX. 
My email - XXXX Phone - XXXX I had a XXXX with XXXX XXXXXXXX but since i left my job, i was planning to move it chase investment account. ( Direct rollover ) I already had an checking account with chase bank. 
I contacted XXXX XXXX & got the check from XXXX XXXX went to a chase branch at XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, MI. 
I being helped by a banker to deposit the check. But, after 2 days i got a secure massage from chase that my check has been rejected. So i called chase customer service, they told me to write my name of back of check and deposit it again. So i did. The check was being on hold for several days before it's cleared. 
But, after a few days i saw my checking account is gone. I called chase customer service, they said they closed the account because they couldnt verify the check. They need to verify the check. 
So i get back with XXXX XXXX  ( formerly j.p morgan retirement plan service ) they provide me 3 numbers to contact them. 
( Numbers provided by XXXX XXXXXXXX, XXXX, XXXX ) I provide these numbers to chase customer service few times, but everytime they saying It's not a valid number. 
While these numbers are listed on their website and anybody can contact them. 
Surprisingly, chase customer service couldnt. Upon talking with chase customer service & XXXX XXXX customer service, i being told that chase already cashed my check. They already got the funds from XXXX but they're not gon na give it to me. 
It's my hard earned money but chase don't want to give my money back. 
I been in the same loopholes for several days now. Customers service arent helping me. I don't know where to file an official complaint about my money that being held by chase because they couldnt verify. 

I deliberately try solv the issue but chase bank isn't helping me nor giving my fund back. 

Thank you.
Product: Credit reporting or other personal consumer reports

There was a Data Breach with XXXX and I have disputed these items several times to no avail. These accounts have appeared across all three bureaus at one point. I have changed my phone number twice now due to a deluge of telemarketing and robocalls since the breach. I have even filed a lawsuit against a group of auto finance companies that ran my credit illegally for a car loan and placed XXXX hard inquiries on my credit reports ( XXXX v. XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX. XXXX ). I have done everything I can up to this point and the repeated disputes to the credit bureaus are not effective as of yet to have these items removed.
Product: Debt collection

CRA VIOLATION / NO KNOWLEDGE OF FRAUDULENT ACCOUNT DUE TO ID THEFT APPEARED ON MY TRANSUNION CREDIT REPORT. FTC ID THEFT REPORT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX. Date Opened XX/XX/XXXX XXXX XXXX XXXX Account number XXXX. Date opened XX/XX/XXXX XXXX XXXX XXXX. Account number. XXXX. Date opened. XX/XX/XXXX XXXXXXXX XXXX XXXX Account number. XXXX. Date opened. XXXX XXXX, XXXX XXXX. Account number. XXXX. Date opened. XX/XX/XXXX The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

At Apple Bank I have a Business account under the name XXXX XXXX XXXX with Apple Bank and I noticed a total of {$450.00} in {$35.00} fees associated with the bank rejecting a charge to my account. I do not have any overdraft on my account and they did not pay the charge but instead put my account in the negative so they can keep charging my account and rejecting charges. The charges were made not using a check but my business debit card. Right now my account is - {$340.00}. They wrongly charged my account incorrect fees. 

I called Apple bank on Friday XX/XX/21 to discuss these fees and spoke to a supervisor who said she would call me back and did not. she also verified that I should not be charged these fees. I called back today Monday XX/XX/21 at XXXX XXXX and stated that I should discuss this with someone at the local branch and I tried to call the local branch and it closed at at XXXX. I feel like I am being given the run around. I would like some help. Thanks
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX