23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Date Posted XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX misc.debit XXXX Contacted Chase XX/XX/XXXX to report fraud and received a temporary credit of XXXX while they investigated. I received a letter in the mail from chase ( XX/XX/XXXX ) that claim was denied and the temporary credit will be reversed on XX/XX/XXXX. Called Chase XXXX XX/XX/XXXX XXXX to escalate/appeal case and was told they were unable to escalate/appeal. Contacted XXXX ( XX/XX/XXXX ) location where charges occured, no managers available to resolve.
Product: Credit reporting or other personal consumer reports

Ive disputed XXXX XXXX XXXX XXXX, Amount alleged owed {$32000.00}, Original balance {$36000.00}, Past due amount & XXXXXXXX XXXX XXXX TransUnion and XXXX for unverifiable and inaccurate information. After sending four rounds of Debt Validation Letters to the reporting creditor. XXXX deleted and removed this account for verifiable reasons. XXXX and TransUnion claim that the data furnisher verified it. 

I find that impossible to believe taking the evidence thats clearly presented and stated. Thus XXXX and TransUnion replying upon e-OSCAR automated system and third party agencies for verification. Taking in to the fact that over been opted out and froze all third party agencies as well presenting debt validation letters to the creditor whom never replied back with verification.
Product: Credit card

I booked hotel accommodations through AMEX and did not purchase trip insurance via the booking site because I believe that my {$690.00} annual fee was for this type of coverage. My flight was canceled and XXXX did not reimburse me for the hotel charge. I submitted a claim to AMEX and was denied hotel reimbursement because my flight was booked with points and travel credits I am requesting a full refund of the {$690.00} annual fee from amex as it is a scam and purposely misleading to the consumer on the apparent travel insurance protections
Product: Credit reporting or other personal consumer reports

Recently I did investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that angry didn't make sure it was reporting 100 % correct in accordance with the Fair Credit Acts, everything has to be 100 % accurate on my credit file and under 15 U.S.C 1681 e ( b ) and 15 U.S code 1681i ( 5 ) theses accounts are violation of not reporting 100 % accurate.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my TRANSUNION credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to investigate my disputes regarding inaccuracies in my credit report properly. Despite my submissions, Experia consistently responds within 24 hours, stating that the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5535 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I have marked inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found the following item ( s ) to be errors. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error XXXX XXXX XXXX XXXX XXXX  {$9100.00} XX/XX/year> By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receipt of this letter. 
Thank you for your time and help in this matter.
Product: Debt collection

as oi stated to you peop [ le before and in the past experian.XXXX have faiLED TO FIX THE PROBLEM. i want to pay for it dearllly the complaint has treoid to fix and they failed to fix it as of today XXXX has XXXX out my report but Experian has not dont the same thing.
Product: Checking or savings account

I had an allotment going to the bank routing number XXXX since XX/XX/2017. It was supposed to pay for a XXXX policy. The account number was wrong or according to the bank does not exist. XXXX says the money was not returned to them. The bank says they did not receive the money. The bank has not helped me at all and the last person I spoke to was very rude. I have XXXX or I would not even know this happened. Please help me find out how to get my money returned as I need it due to illness. I have no XXXX policy and I do not have the money that was supposed to pay the policy.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are reporting incorrectly a collection on the XXXX XXXX  XXXX XXXX  partial account number XXXXXXXX in the amount of {$400.00}. This account has been paid in full and I was assured by the representative I spoke with that these trade line items would be removed from my credit report. I have contacted all ( 3 ) bureaus to resolve this issue, however I have not been successful. This incorrect reporting is harming my credit score. Please remove these line items from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am making a report concerning XXXX, TransUnion and XXXX are currently reporting accounts that are in Litigation. All laws are being violated According to 15 US Code 1666. I need all accounts DELETED immediately. My rights are being violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

JPMCB Card Services, XXXX. XXXX XXXX, XXXX, DE, XXXX, XXXX Ive contacted this company numerous times for reporting inquires to the credit bureau that I did not authorize and that they are unable to find an application for. The company said that they do not have any of my information on file & would fix the discrepancy within 30-90 days. It has been a total of 180 days and the inquiries that I did not authorize or apply for are still appearing on my credit reports. 

Dates of Contact : XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, My name is XXXX XXXX. I sent a letter concerning erroneous and unknown things on my XXXX XXXX record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.
Product: Credit reporting 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 15 USC 1681. 

List of Unauthorized Inquiries : 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 XXXXXXXX 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 inaccurate.
Product: Credit reporting or other personal consumer reports

An account with JPMCB was delinquent in XXXX and listed as charged off in XX/XX/XXXX. The account has remained in that status since. JPMCB contacted all 3 bureaus and has the account updated to reflect closed as of XXXX  This action caused my credit score to drop by more than XXXX XXXX. I have successfully disputed this with XXXX XXXX XXXX XXXX XXXX  will not correct the error. 

I am not disputing the debt but the information about when the account was charged off is incorrect and multiple credit reports generated prior to XX/XX/XXXX will show the first delinquency and the original charge off date.
Product: Money transfer, virtual currency, or money service

Ive been trying to get this issue resolved for a while. The incident was previously given the number XXXX XXXX XXXX XXXX XXXX  The XXXX system was hacked and the banking information was changed to a personal account with Marcus at Goldman Sachs. I have contacted Marcus at Goldman Sachs and I spoke to a representative that said the person the payments were transferred to is XXXX XXXX, Bank Routing number, XXXX, Account number ending in XXXX. The full account number can be given if needed. I have not received any additional updates from Marcus at Goldman Sachs about fixing the fraudulent transfers and correcting the error. 

Below are the payments that I did not receive from nightly transfers from our POS system : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX XXXX XXXX XXXX  was opened fraudulently I found out later in early XXXX. I sent a letter to XXXX  XXXX XXXX  account was removed. In XXXX a dept collector name midland credit management inc, reopened account on my credit XXXX.I believe this is illegal in need it removed asap.Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

settlement o from XXXX XXXX reported on XXXX2016 inquiry
Product: Debt collection

I do not know dates and have never heard of  United Revenue Corp. This is Fraud a nd is not my debt. They have  XXXX  accounts that report on my credit as medical. They are not mine. They also have and continue to violate  my HIPAA and PHI rights by  communicating HIPAA/PHI protected information to third parties without my consent.     Direct Violation of all HIPAA rights and laws.
Product: Payday loan, title loan, or personal loan

I got in bind in XXXX because my check was short and had to get help with my light bill. I move in XX/XX/2018 still trying to pay them, I am trying my best to pay them back I am stressed out hair fall out lose weight.
Product: Credit card or prepaid card

This letter is for me to try and explain my dispute with XXXX XXXX, XXXX. 
On or around XX/XX/2021 XXXX XXXX called me and stated that the Federal Government was behind a program to go after credit card companies for taking advantage of senior citizens. she proceeded to explain to me that as an example $ XXXX balance could turn into a XXXX $ XXXX and five years to pay. she showed some other examples I didn't have time to write down. Then she said that all this credit card debt would be totally written off by the card companies within 18 months and that although my credit would go way down, that within 18 months it would rebound to be even better than what it was at this time. She went on to state that their fee for their services would be {$7300.00} and that I should get that money from Discover Card ( on the account ending in XXXX ) and that that amount would also be written off by Discover Card. I had to hand write everything she was saying because it was all over the phone. I never received anything in writing from XXXX XXXX XXXX. 
I had three differnt people that were to be taking care of my file, first XXXX, then XXXX and then XXXX. Neither of these persons ever answered phone calls or emails, no communication what so ever. The {$7300.00} charge was done thru XXXX XXXX XXXX, ADDRESS XXXX XXXX XXXX # XXXX XXXX, TN XXXX, phone number ( XXXX ) XXXX. 
All I've asked Discover Card is to charge XXXX XXXX  back for the {$7300.00}, XXXX XXXX is a part of XXXX  XXXX  as well as XXXX XXXX XXXX, all three are part of this scam and use different names so you can't get ahold of anyone of them!
Product: Credit reporting or other personal consumer reports

I have been going back and forth with the agencies trying to right the numerous fallacies that are being reported on my credit. This issue has been long standing for many months and items have been added without any approval or knowledge of accuracy. I am taking legal action now as I can not sit by and let the agencies continue with this fictitious reporting
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I opened a Blockchain.com account with intent to hold crypto currency in their wallet. I then funded the account with XXXX, only to find out they make it seemingly impossible to transfer funds. I decided to exchange my Bitcoin into USD. The amount being XXXX, to try and redeposit the money back into my bank account. To no avail I look up some answers and see that they hold funds for 7 days. I decided the best option would be to just wait, the week goes by and I reach out to customer service and get no response. Its XX/XX/XXXX and nothing has changed.
Product: Debt collection

We have been called numerous times daily for months. When we blocked the number ( supposedly from  XXXX , Ohio  ), t elephone number is changed to another telephone number in the same  XXXX  area code. When answered there have been no responses, by person or recording, until today. Person with heavy accent denied calling from  XXXX , but said he was in  XXXX , Florida. Person said he was calling abou t Macy 's  account which was handled by Citibank. Provided address as  XXXX   XXXX   XXXX ,  XXXX , AZ. Today mailed cease and desist letter to  Macy 's. Telephone calls have amounted to telephone harassment in attempt to collect an uncollectible  debt.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report as they are hurting my ability to obtain credit. 

NAME THAT IS NOT MINES ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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

I have sent  XXXX  written request to Experian requesting the removal of the listed unverified items. They have failed to send me copies of the document s that they used to verify the disputed accounts. They have failed to delete the disputed accounts that they did not verify. Under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information which can not be verified. I am requestin  g deletion of all disputed accounts which they did not verify.
Product: Credit reporting or other personal consumer reports

I do not owe the current companies. 

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

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT My account with XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in my account to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit card or prepaid card

Using the Capital One website, my credit card that I have been using for years was closed by mistake. I immediately called Capital One to correct the issue and reopen the account. The customer service rep stated that this would not be an issue, and forwarded the issue to the team that investigates these issues. Soon after, I got a reply that they would not reopen the account.
Product: Debt collection

I was checking my credit report and saw that there was a collection account for over {$7800.00} that it states it was open XX/XX/2014. This debt is with a hospital. I was not in this state at that time plus I had insurance at that time. I have not ever received any written communication from the collection agency to verify this account. I also went to the hospital and they had no record of this debt. I wrote them a letter and informed them that this is not my debt and asked that it be removed from my XXXX  credit report and all others. This company refuses to remove this erroneous information from my credit file.
Product: Credit card or prepaid card

Made payment on XX/XX/2021. Yes the payment was late. They reported the payment as XXXX  days late to all XXXX credit agencies. Made another payment XX/XX/2021. On due date then charged late fee. And claim we made payment XX/XX/2021