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

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XXXX ( XXXX XXXX XXXX ), a wholly owned subsidiary of XXXX placed me in collections for a bill that I never received. My first notice was the harmful, damage to my credit score when I received a notice from a negative report showing up by my credit monitoring service. I contacted XXXX regarding this collection on XXXX XXXX, XXXX. They claim that I owe a doctor for services rendered on XXXX XXXX, XXXX. I told them I never received a bill or notice of collection. They responded that they sent it and it came back. I gave them my address and asked for more information. They tried to get me to pay {$450.00} to have the collection removed from my credit report. I told them I was not familiar with the claim or alleged doctors claiming to have provided me service. I am a senior citizen living on a fixed income. I can can not afford to pay extortion money to Collection Agencies like XXXX who bully senior citizens. I got the name of the doctor and contacted the hospital to try and reach him to no avail. I then contacted XXXX to inquire as to why the bill was not paid. The XXXX Representative reviewed all of the charges and payments for that claim, including 4 different doctors that were paid for services rendered. XXXX had not received any claim from this new doctor. They also indicated that it is " Illegal '' for Doctors to bill patients without first billing XXXX. It is an " Assignment Violation '' to do so. Further, the said doctor never sent me a bill in the first place. It seems very unfair to harm me and my family by further damaging our reputation and credit scores by sending it to collections without ever sending me a bill in the first place. I contacted XXXX again today to complain. I also gave them my XXXX Number, which is also my Social Security Number plus a letter. No wonder, " Identity Theft is so rampant in America today. I have also been harmed greatly by Identity Theft due to this very sort of stupidity in our systems. I asked the lady to bill XXXX if they believe I owe them money and to remove the " Collections '' reported to the three ( 3 ) credit bureaus. I also contacted XXXX the parent company of XXXX to complain about their " Extortion '' attempts to pay them off for removing the Collection report. XXXX said essentially they do not care and to take up the matter with XXXX. I refuse to be bullied and pay extortion to criminals like XXXX. The Fair Credit Reporting Act is a joke. CFPB, DO YOUR JOB!!
Product: Debt collection

A Debt validation letter was sent to H & R Accounts on XXXX XXXX, 2022. They were given 30 days to validate the debt they are showing on my credit report. They did not respond. As they were unable to validate the debt, I am requesting that the collections be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had three late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Bank account or service

I have sent XXXX faxes and XXXX letter to Fifth Third bank ( XXXX ) requesting that they close my saving account and send the remainder of my funds in a check to my address. I am ill and I simply do n't have the energy to go back to the bank branch which is XXXX miles from where I live. I would have to take a bus, train and a shuttle to go back to the branch and round trip the travel would take 8 hours. Despite explaining this and asking several times that they close my account, the savings account remains open.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows a hard inquiry via Capital One on XXXX XXXX, 2017. This will be the second time that credit card accounts have been attempted to be created in my name. even after contacting Capital One several times over the course of a couple of years, they have been no help. Capital One told me that it is not their problem and that I should contact all of the credit bureaus to fix their mistake. I then called XXXX only to be told that I needed to contact Capital One for them to fix the issue. I have never once done any business with Capital One in my life. I need some sort of assistance to get this inquiry off of my credit score.
Product: Credit reporting or other personal consumer reports

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my report. The remarks have been detrimental to my life and credit health.
Product: Checking or savings account

XX/XX/XXXX XXXX XXXX my email and phone number was changed to my chime bank account 15 mi. Later my lifes savings of {$8400.00} was transferred from my savings into checking and spent on a gaming site and XXXX! I filed two police reports and have all the evidence transactions over 75 emails to the company and many phone calls. No one will help me they have denied my claims and wont close or freeze my a account! Its XX/XX/XXXX and someone is still attempting to spend thousands on my card! Im left with not a XXXX to my name and no help! Chime is a fraud! Im a victim of theft and no one will help! I want me lifes savings back!!
Product: Student loan

I submitted my final employer verification digitally on XX/XX/. It has been 30 days and the form has still not been processed, with no timeline in place. I have been paying my loans for 10 years while performing public service, and am in limbo with my loans because the servicer is not sufficiently staffed or efficient.
Product: Credit reporting or other personal consumer reports

Im at my breaking point with the repeated mistakes on my report. These errors are not just numberstheyre actively harming my score, limiting my opportunities, and frankly, making my life harder. Its beyond frustrating to see mistakes that I had no hand in creating derail everything Ive worked for. These inaccuracies are costing me financial stability, better interest rates, and even career opportunities.
Product: Credit card or prepaid card

On XX/XX/22, I called Amex customer service to request a potential upgrade for my Amex Hilton XXXX card. Upon communication, the customer service representative was able to confirm that I have this upgrade offer in my account, which is spending {$1000.00} in six months to get XXXX Hilton bonus points. So, I accepted the offer and upgraded to Amex Hilton aspire. 
The next day, I followed up with the customer service representative through Amex 's website chatting function. The representative said they needed to investigate my upgrade offer and see if I still qualify for it. A month later, when I followed up with Amex again as of XX/XX/22, they informed me that they had finalized the investigation. First of all, Amex has never reached out to me, neither by phone call, email, or letter, informing me that my case is finalized. Second, the customer service wrote to me ( see attached screenshot ) that " we know that you really wanted to get the upgrade offer and as we have validated thoroughly with the help of our investigation team and they found out - as they reviewed all of the accounts, there are no call request that can support the upgrade but they found out that the upgrade was placed online. '' The investigation is conducted based on inaccurate information then. I upgraded by calling Amex, not online.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX XXXX XXXX Bank regarding a matter related to the Fair Credit Reporting Act ( FCRA ). The situation involves the unauthorized authorizations with XXXX. 

I formally requested the cessation of any and all authorization-related activities concerning my credit card and auto loan accounts with XXXX, in accordance with the FCRA ( 15 USC 6802 ). This includes written, unwritten, verbal, or non-verbal authorizations that may have been given. As of XX/XX/2023, I have not received any acknowledgment of resolution. 

Enclosed with this letter is my original correspondence to XXXX, dated XX/XX/2023, outlining my requests and seeking confirmation in writing that my concerns have been addressed. 

I seek the assistance of the Consumer Financial Protection Bureau to ensure that my rights under the FCRA are respected and that XXXX XXXX XXXX Bank complies with the provisions of the act. I believe third-party intervention is necessary to facilitate a resolution. 

If additional information is required or if you have any questions, please contact me at the provided contact information. 

Thank you for your attention to this matter, and I look forward to a prompt resolution.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. XXXX using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submititing this Complaint to dispute the inclusion of an account on my credit report. I recently obtained a copy of my credit report from the Credit reporting agencies, and upon review, I noticed the presence of an account for which I require documentation to substantiate its validity and compliance with my rights under the Fair Credit Reporting Act ( FCRA ). According to the FCRA, I have the right to request verification of the accuracy and legitimacy of any information on my credit report. I kindly request that you provide me with the necessary documentation that establishes the legitimacy and rightful inclusion of the account in question. This documentation should include, but is not limited to, the original signed contract, detailed payment history, and any other relevant records supporting the validity of this account. I need the Credit Bureaus to investigate and correct the listed account : XXXX XXXX XXXX : {$400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I contacted Experian to find out how to place a freeze on and remove a freeze from my credit report. I said I was going to cosign a loan so my granddaughter could purchase a car, and I asked when I should unfreeze my report. I was told I could do it when my granddaughter decided what car she wanted to buy. I was NOT told that it might take a couple hours for my report to unfreeze, so I should unfreeze it and have the car dealer wait a couple hours to check my credit. Therefore, what happened when we applied for a loan on XX/XX/2021, is that XXXX tried to check my credit but was unable to ; and then other financial institutions also tried to check my credit but also were unable to because if XXXX denies a loan, the system automatically goes to the next lender and the next lender and the next, until it gets to the end of the list of lenders. This has resulted in three hard inquiries being added to my credit report and my granddaughter 's, XXXX plus two others. If Experian had told me to wait a couple hours before allowing XXXX to check my credit, my loan would have been approved by XXXX - as it was when my credit was checked after the freeze was finally lifted a couple hours later - and it would not have been necessary for the other lenders to check our credit, and the only hard inquiry would be XXXX. It is Experian 's fault that these two extra inquiries are on our reports, not mine or my granddaughter 's. Also, XXXX did not warn us that if the system resulted in multiple lenders checking our credit, it could result in multiple hard inquiries being added to our credit reports. Had I known that the way XXXX does business could result in extra hard inquiries being placed on our credit reports, I would have gone to a different car dealer and not done business with XXXX.
Product: Credit card or prepaid card

XXXX overcharged my account for orders that I paid for an XXXX tried to charge my capital one credit card. When I canceled the items that were not processed capital one stated that I would get a conditional credit within 3 days back to my account but in fact the funds are not placed back an my account is missing the funds but the funds are in my account until XXXX answers back. I had a situation happen to me last year with my information an my accounts someone is doing it again on my other an capital one is not doing anything to protect my account at all.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Regarding complaint number XXXX. 
Experian has not corrected the incorrect information on my credit report. Even though I have sent a copy of my driver license, social security card and utility bill for my correct address. I am sending another notice to Experian dated XXXX XXXX XXXX. It reflects my correct name, address and social security number. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. Fair Credit Reporting Act 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

Currently on my report my name is misspelled, and my address is incorrect. I have two social security numbers listed.
Product: Credit card

This is my second complaint to the CFPB about this issue as the first complaint was not resolved successfully by Chase. 

After the first complaint, Chase claimed they have added all of the mileage points accumulated with the Chase British Airways Avios credit card into my British Airways account. However, this is false, as they have yet to add the mileage points accumulated from opening the credit card in XX/XX/XXXX through XX/XX/XXXX. 

Upon opening the credit card in XX/XX/XXXX, I accumulated XXXX points that month. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have attached all of my monthly statements to prove the amount of the mileage points still missing from my British Airways account.

I have also attached the mileage page from my current British Airways account to show that Chase has only added the points since XX/XX/XXXX until current, but they have failed to add XX/XX/XXXX through XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports without any third party involved. My request for the correction and removal of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them a letter, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

It has come to my attention. My personal information has been exposed in the national data breach reviewing my credit reports I have noticed some accounts I am unfamiliar with. I have asked the CRA 's for validation of death however, the information has not been provided due to my information being exposed. I have submitted a FTC complaint reporting the information. I am not familiar with.
Product: Credit card or prepaid card

I am a bank of America Alaska miles card holder and I have been for years. I have never once received an advertised companion fare. I have called them multiple times about it and they said that my companion fare is released when the annual fee is charged. I was charged my annual fee on XXXX  and there is no companion fare available to me.
Product: Student loan

I was led by forbearance steering. I used up forbearance and was not given other options. My interest rate was increasing during this time as well. My debt was on par with the national average, but after maxing out forbearance time, my debt tripled. I was not given coaching or made aware that the interest rates would change. My current interest rates are in the double digits despite improving my credit. I have a XXXX XXXX XXXX with debt over XXXX dollars. I've made payments for over a decade and seen little to no decrease in my debt. I do not have any other options for repayment and a medical emergency or financial crisis would put me in a extremely bad spot. My debt to income ratio has impacted my quality of life. It affects my credit, car insurance and living options. I have more than paid my initial balance, likely XXXX over. Navient has not made efforts to make me aware of other options and has not been flexible in payment options. The few options I had were used up over a decade ago. I am paying $ XXXX and my debt does not seem to be declining significantly. No one informed me of increased interest rates and I have not been told why interest rates increased. All of my cosigners are over the age of XXXX and retired. They are not going to be able to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are unknown to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX Balance : {$32000.00} ; XXXX XXXXXXXX XXXX Balance : {$2200.00} ; XXXX  XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$6400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting or other personal consumer reports

TransUnion is still reporting a XXXX  XXXX Bankruptcy on my credit report from XXXX XXXX, 2020. I have reached out and ask that this item be removed because its not accurate. Ive asked for a full investigation on this item and proof that it belongs to me. TransUnion has not provided this proof and they closed my complaint with no resolution.
Product: Money transfer, virtual currency, or money service

JP Morgan Chase sent me a notice letter saying that my account would be closed when I recently opened it XXXX days ago. I deposited {$12000.00} cash into the account at a branch and all of the sudden XXXX day later I get a notice letter for account closure without any explanation. They have blocked me from accessing my funds completely. I called multiple times and even went to the branch for them just to deny giving me my money back. Ive showed them my deposit receipt and all documents that they needed and they still denied giving me my money back. I am very upset and do not have access to no money completely because chase has blocked me from using it. I have bills due and I cant pay them because they have my money.
Product: Debt collection

I received a letter in the mail from XXXX and i called them and told them that i never open an account with them to purchase anything and they said that they will close the account and i told them someone else did this because i have XXXX and when someone try and use my name or address or email address and social security number i get an alert and i have a freeze on all my information so im not paying for something yall let happen to yall
Product: Credit reporting or other personal consumer reports

My lease vehicle was deem a lemon by NYS lemon Law arbitration on XX/XX/2023. In the decision Volvo was to refund my payments within 30 days and my lease agreement was void. I have been back and forth with Volvo since then. They acknowledged receiving the judgement but would not do anything more. In the mean time Volvo started reporting me late on payments for XXXX, XXXX and XXXX destroying my credit score. I have submitting proof that I am not responsible for anymore payments but they continued to report incorrect information to all three reporting agencies. I have tried to get it off my report but has been unsuccessful even with the proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

Their is incorrect information on my credit report including my previous address and hard inquiries.