23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I pulled my credit report and see this company reporting on my credit as a " Collector '' there is NO information regarding this debt. There's no original creditor listed or any information. I pulled my credit because I've received phone calls from people ( mostly foreign ) attempting to collect my information but not provide anything to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two credit card with Commenity bank. They have decided to stop reporting to credit bureaus in XXXX. This means that XXXX through today XX/XX/XXXX they have not reported my balance or on time payments. Its showing my credit usage at 71 % and 62 % still after 5 months. I reached out to commenity XXXX and received a message back on XX/XX/XXXX where they said they decided to stop reporting because of a system upgrade and they should be reporting in a few billing cycles. That is 7+ months of not reporting. 
This is unacceptable and unethical to hold peoples credit hostage, making scores go down because of it. I do not carry a balance, I pay my statement in full each month and I am still being punished. There is thousands of others experiencing this as well, a quick XXXX search will show commenity capital one needs to change this immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX reported unauthorized enquiry on my credit report with XXXX on XX/XX/XXXX. 

Citizen Bank reported unauthorized enquiry on my credit report with XXXX on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : collection/charge off XXXX XXXX XX/XX/XXXX {$330.00} XXXX XXXX CALIFORNIA XXXX XX/XX/XXXX {$900.00} XXXX XXXX XX/XX/XXXX {$690.00} XXXX 'S XXXX XXXX XX/XX/XXXX {$490.00} XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX personal information Also Known As : XXXX XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX : XXXX SERVICES XXXX : XXXX XXXX XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es ) : XXXX XXXX  XXXX XXXX, CA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit card or prepaid card

This will be the third time I try to pay my bill and log into the website or app. This will also be the third month I have this credit card. every single time I try to pay down the bill they intentionally make it as difficult as possible to do so. They create so many obstacles for payment -- should they want their website or app to work so people can make payments????? Why have I reported the issue to them numerous times, and they do nothing? How come when I submit a complaint through here, they tell me the website 's working perfectly fine when IT ISNT! This isn't so hard to investigate and verify the claims of! Their website and app never WORKS. You can only pay by calling them over the phone during business hours, and you can only view your balance by calling them directly.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate reporting of fraudulent accounts on my credit report, which constitutes a clear violation of the law. Upon contacting the respective banks, it was confirmed that an error occurred. Furthermore, assurances by the banks were provided over the phone that the accounts would be promptly removed. I have previously sent a request for debt validation for several items listed on my credit file. However, I have recently received a response proclaiming the debt has been verified. I request a reinvestigation per FCRA 611 and that proper method of verification also be included with your response. Moreover, XXXX and XXXX no longer reports these accounts on their bureaus after the submission of the required FTC report. I am curious on what kind of method of verification and investigation you did to continue reporting these accounts on my report by your bureau. Your bureau is legally obligated to conduct a reasonable investigation of disputes. This investigation must be prompt and must include a review of all relevant information submitted by the consumer, such as myself. 

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

Attempts of having false credit inquiries removed from credit report. No actions were taking on the " lender '' side.
Product: Checking or savings account

XXXXI was consistently being charged fees daily, with no explanation. I was also setup of credit monitoring with out my knowledge.
Product: Checking or savings account

XX/XX/year> Account was opened without my consent by Chime XXXX ( chime.com ) and I was emailed ( on my primary email ) links to fund the checking account - chime.com. 
I immediately reset the password, searched on how to close the account, and went through the closure procedure with an agent. They complied. No funds changed hands. Chime.com had my name, address, email, telephone number and SSN within the account profile.
Product: Debt collection

I have disputed this account several times because I do not own this debt. Under 15 U.S Code 1681e ( b ) accuracy of report whenever a consumer reporting agency prepares a consumer report, they shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681 ( 5 ) Treatment of inaccurate or unverifiable information ( 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 ( ii ) promptly the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately. 
Please send : 1. A calculation of balance and payment history.

2. Proof of the agreement that grants this company the authority to collect this alleged debt.

3. A copy of the company 's state license including the license number.

4. Proof of how the company assessed the debt.

5. Copy of the original contract bearing my signature.

6. Chain of title on this debt.

7. Do they own it or was this debt assigned?

8. Copies of all letters sent to me from you and the original creditor.

9. How much did you buy this debt for?

10. What fees/interest was tacked onto this debt?

11. How were the fees determined?

12. Proof that this company carries a bond.

13. Proof that this company has the right to collect this debt in my state.
Product: Credit card

Chase put an hold on a XXXX Credit Card and did notify the consumer. 
1 ) Issued credit for XXXX 2 ) Put a hold on the account after charging {$530.00} against credit 3 ) Did not notify the customer on credit freeze - reason for freeze unknown 4 ) Blocked disputes online 5 ) 5 phone transfers including supervisor to verify account - rude agents, not nice 6 ) Over 1+ hours to verify account - call transferred again 7 ) International agents asking highly sensitive questions about credit related questions after the account is opened - i.e., what is the point in verifying the account after charges are already levied 8 ) The agents are outside of America and are not under US Jurisdiction - in case of real consumer fraud, it is impossible to extradite their frauders back on US soil to face charges both civil or criminal 9 ) Agents have accents that are difficult to understand causing undue stress, harm and frustration resulting incorrect verification. 
10 ) Countries being used are non-democratic authoritarian countries with a poor human rights and labour laws/standards 11 ) XXXX, high XXXX activity, very high risk of data theft and risk to millions of American consumers - i.e., data can be used to track citizens, purchases, and other activity by competitor nations. 
12 ) Bank can not guarantee security of consumer or security of data 13 ) Bank is forcing American citizens to engage with international audience ; banks policies themselves create unfriendly interactions with international audience - resulting a negative perception of Americans ; i.e., undermines soft power and diplomacy in the region. 
14 ) State Department should conduct an audit on all international call centers and survey to see if these cross-cultural interactions advance soft power or undermine it ; i.e., private organizations should have regulations and federal guidelines that promote positive US perception In this case bad bank policies and procedures ( not notifying client of account freeze for two months ), freezing account without merit, and transferring unhappy US customers over to another country ( most pivotal region of the world ) does not promote US interests abroad. 

The job of the government to review these issues holistically and in a XXXX degree. 
1 ) Bank policies, notification protocols and communication with customers ( Business Operations ) 2 ) Outsourcing and type of call being outsourced and locations vs. US strategic interests ( Foreign Relations ) 3 ) Security of US consumer data ; identify theft and risk of foreign actors exploiting this for self-interest, etc. ( National/Human/Cyber Security ) 4 ) Consumer experience ( Domestic Reputation ) Thanks!
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am writing to file a formal complaint regarding an inaccurate and unverifiable collection item that is adversely affecting my credit report. The item in question pertains to an alleged debt from XXXX XXXX, which I have no knowledge of and do not owe. 
Despite multiple attempts to reach out to XXXX XXXX to validate the alleged debt and request its removal, I have received no response. This lack of cooperation is not only frustrating but also a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ), particularly in the state of Texas. 
As a consumer protected by the FDCPA, I am entitled to validation of any alleged debt before it is reported to credit agencies. XXXX XXXX has failed to fulfill this obligation, yet they continue to report this inaccurate and unverifiable debt to Equifax, negatively impacting my creditworthiness and ability to obtain credit from lenders.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to get a loan for an XXXX. There was a system a error an app did not go through. I went to the highest office in the company to get Inq removed. Because I never Authorized. The company has not record of my personal information, I was never sent and Adverse action letter. They are supposed to keep for 2 years. Yet they still use their power to obstruct me from getting INQ removed from the XXXX credit report.

The CEO asst told me specifically they could not find an application or any information but in the same breathe refuse to remove the INQ. They either are lying or committing fraud. Or they are not keeping proper records which is against the law. 


This is the email I sent to the company : Good Morning, I am writing because i am getting no where with your company. I am prepared to write the CFPB and possibly get a lawyer involved here. I would rather deal with you. 

And Inquiry was placed on my credit report after you had a system error which caused an application to not be processed. I have all this information. Plus you have record of an error. I want the inquiry removed. Your system produced and error. No credit should have been pulled. I attached all the proof no application was processed. 

This is a simple fix but XXXX  says i need to go through you. All you have to do i fill out an credit bureau alter. 
I am asking that you do the right thing a remove the inquiry. 

But most of your customer service people have been rude and dismissive. I am willing to take any action within my legal authority to make sure under the laws of FCRA my credit is reported accurately. Your system made a mistake. If there is an error no app was processed no credit should have been pulled. Please respond a.s.a.p.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc. ) due to inadequate customer service and unfair practices which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App has failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card

I have reliably upheld on-time payments for this account, ensuring no lapses into overdue status. The reports indicating late payment remarks on my accounts are unclear to me. According to 15 USC 1666b - Billing Error, corrections should be made.
Product: Debt collection

I checked with XXXX XXXX website. I have an account with them. i determined XXXX has my negative credit rate. I never have XXXX. I am hard of hearing cant have phones. I tried to depute with XXXX. XXXX requested me an account number for XXXX to access fixing the dispute problem on website page. I dont have XXXX account. I stuck with this item. I expected to report with XXXX about fraudulent XXXX. XXXX did nothing to help they are just a phantom. I stuck with XXXX that i never have this account.
Product: Credit card or prepaid card

I was sent an of fer by American Express for a Delta Skymiles Gold Card i n  XXXX   2017 . I have had this card before but had cancelled due to high annual fee. I applied on-line and was approved immediately. My card came in the mail within a week.     This offer included first year free plus  XXXX  miles after reaching spend amount of {$3000.00} in first 3 months.     After I reached the spend level, I called to find out when my miles would be credited. I actually called twice because they were n't showing up. I was finally told I needed to wait 90 days. I continued to use the card and have spent close to {$8000.00} since enrolling.   The 90 days came and went but still no miles.     I called the company again but this time was told since I had the card before I was n't eligible for the bonus miles. They informed me that this was disclosed in the terms and conditions. I did not see that when I went thru the application process and informed them that regardless why had n't I been told this earlier by anyone I talked to. They informed me that the agents probably did n't look into that level of detail on your account.     I feel like this was misrepresentation and deceptive advertising. I would not have applied for the card or minimally would have stopped usage had any of the agents informed me about this. I feel they let me continue to spend and only informed me when I pressed about the miles.
Product: Credit reporting or other personal consumer reports

this is the follow up of my complaint... I recently received a copy of my 3 Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 had several inquiries on my credit report that I have no knowledge of. 
I got the alerts via email and followed up with the credit bureau and was advised to fill out a complaint. 
XXXX XXXX of the inquiries are back to back 2 on XX/XX/XXXX Capital One and XXXX And XXXX additional inquiry on XX/XX/XXXX from XXXX
Product: Student loan

I took out a private student loan in XXXX for about {$9500.00}. I 've been paying this loan back since XXXX and have been paying it back on a monthly basis ( though admittedly there have been some missed payments, but it has n't happened often XXXX. It 's now XXXX and I went online to check my loan balance through Citibank and found that it is over $ 10k and the interest rate is 7.5 %, which I believe is higher than what I originally signed up for. I sent them a message about this, and got a very canned response. I 'm currently paying about {$100.00} per month for this loan, and it was supposed to be a 10 year term. I 'm about 8 years in to this term and I ca n't possibly see how this loan will ever be repaid if the balance is higher than what I originally borrowed.
Product: Debt collection

A XXXXXXXX account was issued in my name without my knowledge. The account was transferred to XXXX XXXX , XXXX, a collection agency in XXXX. I was only notified via a letter of the outstanding balance. I called XXXX and notified them it was a fraud account along with notifying XXXX-XXXX. XXXX I was notified by a separate debt collection, Diversified Consultants , Inc . I've notified them of the fraudulent account. This has now impacted my credit score via a XXXX   derogatory remark.
Product: Credit reporting or other personal consumer reports

Recently i looked at a copy of my credit report and noticed several inaccuracies on my account.This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy.Here is the item I am asking you to verify as accurate. 

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

On XX/XX/XXXX there is a XXXX XXXX XXXX reporting {$7900.00} reporting incorrectly XX/XX/XXXX grain technology reporting $ XXXXopen and closed with the other credit bureaus reporting incorrectly and two hard inquiry XXXX credit card service and XXXX XXXX XXXX XXXX that doesnt belong to me and also several addresses and my name missed spelled reached out to the credit bureaus and creditors to have these items removed no response in over 30 days and Im being affected by XXXX  my scoring has changed
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2016. I purchased a vehicle from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My loan was through XXXX XXXX. I went in did my paper work on the car they showed me and that I test drove everything went well. I left off the car lot Happy, I drove the XXXX XXXX XXXX XXXX for two weeks, and the dealership called me after two weeks  on Wed, XX/XX/XXXX, @ XXXX to tell me that I had the wrong vehicle, They stated that the paperwork on the vehicle that I had Vin number did not match the paperwork I signed. That I need to get the vehicle back ASAP they have giving me the wrong vehicle. When I got back to the dealership, the vehicle they tried to give me, I did not want, so I left it there, but its still on my credit report and I can not seem to get it off my report. I also have a text message that the dealer sent me telling me that I need to call them ASAP.
Product: Credit reporting or other personal consumer reports

Recently I've looked over a copy of my consumer report and noticed both accounts and information thats either inaccurate or doesnt belong to me. Ive then reached out to the creditors thats reporting these accounts and asked them to verify any debt. The creditors havent reached out to me with a response, nor did they provide any documentation that verifies this debt. How can they report a debt if they cant verify that it belongs to me? By them purchasing my personal information and sharing it to a third party without my consent is a violation of my right to privacy. I am asking Equifax to thoroughly investigate my dispute letter and remove anything that isnt accurate or verifiable. I know that it is their duty to do whats fair and equitable for me as a consumer and report the most accurate information possible. I am aware that Equifax must be compliant with all the laws governing consumer rights that they agreed to. The inaccurate information and accounts thats reporting on my consumer report is impeding my ability to obtain financial services or relationships with any potential lender. Included in my complaint is a copy of my consumer report containing the inaccurate information that I asked Equifax to block and remove from my consumer report in which this information is both inaccurate and doesnt belong to me. 



Violations committed by Equifax and the Creditors : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code 1681i - Procedure in case of disputed accuracy
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 15 USC 1681. 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 Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX