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

My loan payments were always sent on time. I keep explaining this to Experian but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX XXXX XXXX ; XXXX XXXX XXXX ;
Product: Debt collection

The debt collection entity Rash Curtis & Associates violated FDCPA 3 times : # 1 ) Refusing to stop collections after receiving a debt validation letter on XX/XX/XXXX through fax and email ( they said they did not send a certified letter for the first interaction ) # 2 ) Credit Reporting a debt that is disputed on XX/XX/XXXX # 3 ) Re-aging a debt that originally was opened on XX/XX/XXXX, re-opening to XX/XX/XXXX. 

The origin of this {$630.00} medical debt is an emergency security charge that was not charged under employee medical insurance nor was signed or authorized by me. 

Rash Curtis & Associates XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX
Product: Consumer Loan

I pay my auto loan payments early each month and Chase Auto Finance is charging auto loan Interest from date of previous payment rather than Interest accrued during monthly biilling period.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 30 plus days of no response. 
Fraudulent accounts : 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

( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and A proper investigation was not done. The following accounts were verified as accurate on XX/XX/2022 however they are incorrectly reporting 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 ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX  XXXX XXXX ) XXXX XXXX Original Creditor XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX
Product: Credit card or prepaid card

on XX/XX/2023 an inquiry for a line of credit to Macy 's was made that was fraudulent. I called Macy 's to dispute the inquiry and stop the account from being opened. On XX/XX/2023 I called XXXX to dispute the inquiry on my credit report since it was still showing up.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, Equifax continue to violate the FCRA requirements by not deleting the inaccurate information on my cardmember Service account XXXX. The late notice for XXXX is inaccurate. I was never late for XXXX. I have provided proof documentation on numerous dispute to support my dispute. This willful inaccurate information continue to caused injury and harm to me financially and is preventing me from obtaining financing.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$270.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$410.00} XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX {$0.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize the accounts showing on my credit report. I have been away traveling for college. I recently came back to XXXX from Oklahoma. I checked my credit report because i am trying to get a apartment and was denied. I have never tried to use credit until now. I don't know who opened the accounts on my credit report but it was not me. i am listing the additional information that does not belong to me here : Accounts XXXX XXXX associates XXXX XXXX XXXX Funding XXXX XXXX XXXX funding XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, tx XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX tx XXXX
Product: Checking or savings account

On XX/XX/2022, I opened a Citi Priority Package ( checking + saving ) account and deposited a combined total of $ XXXX. I fulfilled the requirement of keeping the funds in the account for XXXX consecutive days. According to the agreement, I was supposed to receive a {$750.00} bonus within XXXX  days, which should have been no later than XX/XX/2022. However, I have yet to receive the promised bonus. Unfortunately, this is my second time experience the exact same thing with Citi, they just want to take your money for as long as they could without giving any bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Complaint that I was the victim of identity theft. Based on Fair Credit Reporting Act Section 605B ( a ) you are require to remove the items which are opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. These are the fraudulent items : XXXX XXXX XXXX # A XXXX, NY XXXX ; XXXX XXXX Balance Owed XXXX {$1400.00} ; XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$1500.00} ; XXXX XXXX Balance Owed : {$3300.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX Balance Owed : {$1400.00} ; XXXX XXXX XXXX Balance Owed XXXX {$1500.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$1400.00} XXXX XXXX XXXX XXXX Balance Owed : {$1500.00} ; XXXX XXXXXXXX XXXX Owed : {$3400.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Checking or savings account

I use XXXX XXXX for my bank and I feel I'm being taking advantage of with all the overdraft fees I'm charged every month. I feel some transactions get stuck in pending, and when a certain day hits they just slam my account with overdraft fees. I can understand that if I overdraft one fee hitting my account, but the way they are charging me I can overdraft by {$40.00} and they will hit me with 4 overdraft fees making my account negative over {$150.00}. This seems to happen every month. I have contacted them numerous times threatening to close my account, but they will not work with me on getting my fees back. I deposit {$1500.00} every month and I feel like I'm a good customer being taken advantage of. I can attach my bank statements to show an example. I am going to change banks but this has been difficult because this is a government account that I use for my son 's social security. So really they are taking money from my son 's account. Any help would be greatly appreciated. Thanks
Product: Student loan

On Wednesday, XX/XX/XXXX at XXXX XXXX I called Navient and spoke with XXXX ( employee # XXXX ). I was calling to switch my payment plan to my checking account instead of my card due to missed payments. He asked me if I could make a payment that same day and I said no, next week, meaning in 8 days as I get paid biweekly. He said that there hadnt been a payment in 2 months and I explained it was due to my card information. He then explained to me that I would have to make a payment now because my account was past due. He asked me if I noticed that I had extra money in my account and how come I spent it? He said how come you spent that money? At that point I told him that I needed to change the account information so that from now my payments would be deducted from my account directly and he stated to call back when you have the money and then hung up. I was so upset from this conversation that I didnt call back the company until another 5 days after to resolve the issue. When I did call back, I had to problems with the customer service representative I spoke with and everything is now resolved. XXXX was extremely rude and not professional. He asked about my personal spending and wanted to know why I spent the extra money. What if I had an emergency situation? Who is he to ask this information? I have been dealing with Navient since I graduated school in XX/XX/XXXX and I have had rude representatives, but none as rude and unprofessional as he.
Product: Credit reporting, credit repair services, 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 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 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 inaccurat
Product: Checking or savings account

On Thursday XX/XX/XXXX I was charged an atm fee of {$20.00}, Monday XX/XX/XXXX I was charged an atm fee of {$35.00} and again on Monday XX/XX/XXXX an atm fee of XXXX. I called Citi bank to see if they would reverse the charges on Saturday XXXX XXXX the first customer service guy told me told me he had reversed all 3 fees. After waiting about 15 I looked at my account again he only reversed 1 charge. I called back to see what had happened. The second clerk said they only could reverse 1 of the fees. That not what I was told by the first guy. Even before I opened this account I contacted this bank and told them what I was going to do because I was looking for a international bank because I was traveling to XXXX XXXX at no point of the conversation did they explain all these fees to me. It fact they told me I would not have all these fees because Citi bank had operation in this country. I was lied to multiple times by this bank and it is time for this to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX credit report there is an entry for XXXX cellular service. The company reporting this information to XXXX  is Convergent Outsourcing. The XXXX  report shows an " Open Date '' of XX/XX/XXXX, which is incorrect. I disputed this information with both XXXX  and Convergent, and finally with no action on either of XXXX  's or Convergent 's as asked for a Method of Verification, as I informed them the date was incorrect. 

Today I received the Convergent response. They advised the account was " verified '' as valid and advised the verification was attached. Convergent attached some paperwork from XXXX which shows calls between XX/XX/XXXX to XX/XX/XXXX, yet they still report to XXXX the account was opened in XX/XX/XXXX. I'm at this point at a loss to even explain the XXXX of this dispute, In short the dispute I made ( Incorrect Open Date ) was not even addressed by the company I disputed it with. Furthermore the information provided to me by the reporting agency to verify the debt, ( XXXX Bill ) PROVES my claim the open date is incorrect by 4 years. 

This does not seem to be a simple " Mistake ''. A company that has access to this information does not read a date? The is an attempt to re-age the debt.
Product: Credit card or prepaid card

I had opened a XXXX account when in a Chapter XXXX bankruptcy in XXXX 2017 I had to convert to a Chapter XXXX by no choice of mine but due to a mortgage company not being able to do a modification. I understood that while I was going through the chapter XXXX the accounts would be frozen from charges but not from making payments. so I continued to make the payments. I was then told in XXXX to send over discharge to evidence none of the accounts were included in the bankruptcy. which I did and was able to use account and even received credit line increases. I went to go make a payment on the XXXX account and was told it was sent to collections because of the bankruptcy conversion. when I called to discuss and explain to them that they had requested I fax over the discharge paper in XXXX to open the accounts again I was told all my accounts would have to be closed due to conversion. Why ask me for discharge to evidence that the accounts were not included if you were going to close the account. I have used the account since bankruptcy and it was 10 months ago so why such a lag? I feel the accounts should be open and be able to be used as I have been making the payments on them since conversion and some of the accounts were paid off during that time.
Product: Money transfer, virtual currency, or money service

I had purchased crypto coins from coinbase. as days went, the amount of crypto coins were in my wallet started to disappear. I called coinbase, there was no response for a few days. I was finally able to get a hold of them eventually, when they picked up the phone, they said that there was a glitch in the system that lowered the coins in the wallet. They took the blame for it and but they never returned the coins.
Product: Credit card or prepaid card

Fraudulent transaction, accepted forged signature by Visa and Chase for over-chage I hired a company to move his belongings from XXXX, New York to XXXX, New York. I was given to a quote that the move would cost {$1500.00}. 
I agreed to pay a deposit of {$100.00}, plus {$690.00} on the first day of the move ( XX/XX/2019 ) and {$790.00} upon delivery ( XX/XX/2019 ). Upon delivery, companys rep requested that that I sign authorization for payments of {$100.00}, {$690.00} and {$4900.00}. I refused to sign for the {$4900.00}, as I have not agreed with it. I signed for the {$100.00} payment and attempted to sign for the {$690.00} as these were payments that he had agreed to pay. 
On XX/XX/2019, my credit card was charged the sum of {$4900.00}. My signature was forged and both Visa and Visa Chase accepted that. I was far from the place and the time of the purported fraudulent signature to the agreement. The company is located in XXXX, XXXX XXXX, XXXX XXXX. My residence at that time, on XX/XX/2019 ) was in XXXX, NY. That is 260 miles distance ), which my employer, the XXXX School District attested to ). 

During the dispute process, VISA stated that it was within Chase 's policy to accept an unauthorized transaction in this case, and Chase states that this is Visa 's policy.
Product: Credit reporting, credit repair services, or other personal consumer reports

called the creditor and XXXX XXXX no account is established or consent with permissible to pull my credit XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MD XXXX Experian XXXX fraudulent XXXX accounts open account XXXX XXXX XXXX open XX/XX/XXXX closed account -XXXX  XXXX  XXXX  XXXX  account number XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is an incorrect address. Not my address
Product: Credit card

I was billed by a car rental agency for {$700.00}. This charge, related to supplementary car insurance for a rental car, was not authorized by me beyond an initial three-day period, which I did approve. The charge for the additional insurance coverage beyond that period was unauthorized. After multiple attempts of resolving it with the merchant, I disputed the charge with Capital One, the issuer of my card. 

On XX/XX/XXXX XXXX XXXX  I received a denial letter from Capital One indicating that my dispute was not upheld. The letter informed me that this decision was based on my non-response to a request for additional information. I find this concerning, as it implies that the investigation may not have been thorough and that the burden of proof was improperly shifted onto me as the consumer. According to Regulation Z ( 12 CFR 1026.13 ), issuers are required to conduct a reasonable investigation of billing errors, and it is not sufficient to merely rely on a lack of response from the consumer. Further, I would be remiss if I did not flag for your review that while the document requesting additional information was posted to my online account, I never received an email informing me that an electronic document was available and needed my review. Perhaps this was an error in their email system or perhaps Capital One chooses not to inform users that electronic documents are posted. Either way, this raises compliance concerns under E-SIGN and Reg Z. 

On XX/XX/, I replied to Capital One 's denial requesting them to re-open the investigation and provide the documents relied on in the denial, including any merchant records or internal notes. I also provided merchant communications acknowledging that the merchant erred in charging me the additional amount. They replied to that request by re-asserting that their denial was appropriate and did not provide any documentation that they relied on ( if any was relied on at all ). As an aside - I also did not receive any form of notice that the second denial was posted to my online portal, further suggesting deep flaws in Capital One 's ESIGN policy -- relying on the consumer to proactively log-in to their account constantly to become aware of whether there are time-sensitive notifications requiring their attention.
Product: Credit reporting or other personal consumer reports

Subject : Request for Description of Investigation Process - Disputed Accounts on Credit Report Dear Sir/Madam, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. The first investigation was requested on XX/XX/year>. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute.

Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights. 

Below are the details of the disputed account : **Account Name XXXX XXXX XXXX XXXXXXXX XXXXAccount Number XXXX XXXX XXXX
Product: Debt collection

ive already fought this company for their false claims of amounts I owe. They continue to send me false amounts, they even sent me a check for XXXX that was uncashable and saying most of my debt has disappeared. I 'm confused and want them to stop harassing me
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX  XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Chargeoff XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Chargeoff XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Chargeoff XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$790.00} Late/Open Inquiries in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

DSNB MACYS is claiming an account on my credit that is not mine. The account number is XXXX, this account was opened on XX/XX/2018
Product: Credit reporting or other personal consumer reports

I XXXX XXXX currently have some Fruad inquiries on my credit report I have listed inquiries below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 remove it from my credit report
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that these accounts are late though your company claims to have verified these Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditorXXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 


ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX