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

on. for 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 XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX Unions XX/XX/XXXX Experian XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XXXX # XXXX XXXX XXXX XXXX : {$700.00} XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX Date XXXX Balance : {$520.00} XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$520.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXX FIN XXXX Account # XXXX Date XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX Balance : {$23000.00XXXX XXXX Account # : XXXX Date XXXX Balance : {$13.00XXXX XXXX XXXX Date XXXX Balance : {$160.00} XXXX XXXX XXXXXXXX Account # XXXX Date Opened XX/XX/XXXX Balance : {$1900.00} 15 U.S.C 16 81c. ( a ) ( 5 ) Section states : no consumer reporting agen

cy 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. 

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late any reasons.
Product: Credit card or prepaid card

I opened several business checkings accounts with Bank of America for a new business I am starting. I expected to be able to receive a BofA business credit card on application number XXXX given the funds I have deposited into checkings and given my excellent personal credit history. BofA has denied my credit card request and has shut down the ability for customers to call in for appeal. Both customer service line numbers XXXX and XXXX do not allow you to speak to anyone. This effectively locks me into paying multiple fees to maintain a checkings account even though I should absolutely be allowed to use a BofA credit card that would allow fees to be waived. They have essentially erected walls around my ability to appeal their decision and have unfairly locked me into paying fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit reports from annualcredit report site and see continued reporting of errors on all 3 reports. There are 20 addresses on my TransUnion report that are not mine, 9 incorrect addresses on my XXXX  Report, and 25 incorrect addresses on my XXXX  report. These addresses are not former addresses of mine and I have NEVER lived there. I am concerned of possible fraud or mixed information from someone else, but these addresses and misspellings of my name need to be deleted. This is so unacceptable. TransUnion and XXXX  is also reporting multiple incorrect phone numbers that are not mine and never have been. 

In addition to that, there are several accounts on my credit reports being falsely and incorrectly reported. I have disputed all of the inaccurate personal information and addresses multiple times on XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20 including several phone call attempts, but no one is able to help or remove this information. It's ridiculous! I've asked the bureaus to provide me with verification of where they are getting the inaccurate and inconsistent information from on the following erroneous accounts : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX There is so many inconsistent reporting shown and it's the bureaus responsibility to thoroughly investigate information with the original creditor for complete accuracy which it's clear as day that they have failed to do this. I haven't received any correspondence and the inaccurate items still remain on my report after I've submitted multiple letters pointing out the exact errors on my reports along with attaching my proof of ID and proof of address for verification. With all these wrong addresses there could be fraud on my account for all I know. I'm highly frustrated with the negligence.
Product: Credit card or prepaid card

Chase credit card company is committing a fraud by assisting a dishonest merchant to steal money from me. I also wonder if there is a class action suit already existed against Chase for this kind of business practice. 

During a trip to XXXX this XXXX, I purchased a massage mattress from a merchant there. The merchant had enticed me to purchase their mattress by offering free gifts of a foam mattress topper and 2 foam neck pillows to bring back and the mattress will be shipped in a later date. The purchase came with a 100 days trial period and free return. Upon return from the trip, the merchant did not ship my mattress on the agreed arrival date and did not contact me for closed to 2 months until I filed a dispute with Chase. I made various attempts to reach out to them before the filing of my dispute with Chase with no avail. Summary of my disputes with Chase decisions ( 3 times ) as follows : 1. When the merchant finally reached me, I no longer trust them and I asked the Merchant to send me a return postage so I can return the free items back to them but the merchant refused to honor their warranty and said they are not responsible for the returned postage and wanted to charge me {$1900.00} for the free gifts. I reached out to Chases dispute department supervisor and she said they can not enforce the merchant to honor their warranty, therefore, my charge is valid. Chase stated that there is nothing they can do until I return their items. 

2. I contacted the merchant and told them I will ship the items back to them at my own expenses and requested for a return address. At that time merchant ceased all communication with me so I notified Chase of the circumstance and see if Chase can obtain a return address for me. 

3. Chase 's decision was that it is not their job to obtain a return address and if the merchant refused to do so, there is nothing they can do about it ; thus, the charges are still valid and I will be responsible for it. This clearly is a dispute between the dishonest merchant and myself and I want to deal with this crooked merchant legally but Chase had decided to become a co-conspirator by processing the charges through thus trying to steal money from their own customer for their own greed. I always thought that a credit card company has an obligation to protect its customers from fraudulent merchants for the fees that we rendered. I understand that I had authorized Chase to proceed with the purchase transaction but I should also have a right to authorize Chase to reverse the transaction if I have a legitimate reason to do so. Chase should not have the power to force their customer to pay for a fraudulent transaction for its own benefit. 

I have attached the followings : 1. XXXX - image of the purchased order. 
2. XXXX - image of the free foam mattress topper. 
3. XXXX - image of the 2 free foam neck pillows. 
4. XXXX - all the email correspondence between the merchant and myself. 
5. XXXX - all the disputed letters sent to Chase by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. 

XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX {$150000.00} XXXX XXXX XXXX XXXX XXXX {$28000.00} XXXX XXXX XXXX XXXX {$3900.00} XXXX XXXX XXXX {$1000.00} XXXX   XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

On XXXX XX/XX/year> I noticed that my Experian credit score drop XXXX points due to a report of my actual balance being {$1600.00} for the month of XXXX for my XXXX Bank Credit Card. On XXXX XX/XX/year>, I contacted Experian by phone an inquiry that the balance is incorrect as my payment due date is not until XXXX XX/XX/year> and statement due date is XXXX XX/XX/year>. Therefore, the statement balance should reflect XXXX balance in the amount of {$400.00}. I was told I should contact the institution which is XXXX XXXX 
I contacted XXXX XXXX who inform me that they did not submit any reporting since my payment date and statement were not met. 

I then file a dispute with Experian on XXXX XX/XX/year> to resolved the incorrect statement balance and submitted a copy of my XXXX XXXX Statement that reflect the balance of {$400.00}. Experian updated the balance to reflect {$710.00} instead. I let it go since my XXXX statement were about to be reported on XXXX XX/XX/year>. 
On XXXX XX/XX/year> I noticed on my Experian credit report my daily balance of {$360.00} is reported as my XXXX statement balance. My XXXX statement balance is {$240.00}. I have open another dispute with Experian and submitted my XXXX Statement. This issue is only happening with Experian and it dangerously affects me.
Product: Credit card or prepaid card

XX/XX/2022, I previously notified you that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account, Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. 

For the following accounts : Acct name : XXXX XXXX, Acct # XXXX I had enclosed a copy of my identity theft report with the written letter I sent out in XX/XX/2022 Because the information you are reporting is the result of identity theft, and inaccurate. During the time this account was open, I was suffering from XXXX XXXX and XXXX and had a caretaker taking care of my things. I have reported the perpetrator to the FTC as instructed. I did not authorize, participate or benefit from this account, I still have not received written confirmation of these actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint about equifax credit reporting agency. Today after reviewing on XXXX XXXX it shows equifax removed 2 accounts that are in excellent standing from my credit report. The first one is XXXX XXXX the 2nd one is XXXX XXXX XXXX XXXX. These accounts should have never been removed from my credit report. I have contacted XXXX XXXX and XXXX 's card and requested they report to the 3 credit reporting agency 's I was told that they do report each month. Equifax should have never deleted these two accounts off my credit report. These accounts are a positive factor on my credit score. Now due to them removing these accounts my credit score went down. I am submitting this complaint about equifax because they should have never done this without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called PNC Bank over 2 months ago ( XX/XX/2019 ) asking to register for usage of online banking to pay my auto loan and was told I needed a pin to establish an account. I informed PNC I would be leaving the country for 7 weeks and needed the pin ASAP. The PNC rep suggested I enroll in auto payments so I did just incase. I never received the pin and left on XX/XX/19 and returned on XX/XX/2019. On XX/XX/19 I received an alert from XXXX stating my account is 30 days passed due. I immediately called in and told them I was on automatic payments. They informed me that the last representative I spoke with in XX/XX/XXXX didn't enroll me in automatic payments. I made the payment I was behind and the next one just incase to make my account current. I requested that my late payment be taken off my credit and was informed by the PNC rep I needed to submit It in writing.
Product: Credit card or prepaid card

I have had my credit card with XXXX XXXX bank for several years. I received an email tell me the sent me a new card. I received another email saying they sent me a new card and my current card will be deactivated. I needed to activate my new card. I never received a new card, so I called them. When I spoke to them they said they will send me out a new card. I got an email now saying my bill was due. I went online to pay it. It said my balance was zero. I got another email that said my bill was late and I would pay a late fee, so I called them again. They said I was charged {$30.00} for a new card, {$27.00} for late fee and {$5.00} for maintainer. They said I had to write a letter and fax it to dispute the charges. I did that. They emailed me back and said they would credit me the {$30.00} and {$27.00}, but I had to pay the other late fees first. I started to them they changed my account number and I would not be able to pay it without the account number. They said pay it to the old account number. I then questioned the amount I needed to pay. They said Past Due {$35.00} XXXX / Remaining Amount Due {$35.00} XXXX Total by XXXX {$70.00}. Im waiving {$27.00} Late Fee and make sure Amount. Due is paid {$0.00} after your {$70.00} total pay.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 XXXX, XXXX, and XXXX are reporting a Bankruptcy on my credit report and they have put in the Data furnisher as being the XXXXXXXX XXXX XXXXXXXX XXXX XXXX OF GEORGIA XXXX Which is false. 
I have attached a letter from the XXXX BANKRUPTCY XXXX XXXX XXXX OF GEORGIA. Verifying and stating that they do not furnish information over to the credit bereaus or any credit monitoring service nor do they verify or validate any information concerning bankruptcies. 
XXXX, XXXX, and Equifax are falsely stating this information on my credit report and have yet to remove it from my credit report. 

I contacted the court, and their response is enclosed. 
It is clear they do not report to any Credit Bureau for that matter ; therefore, their initial response verifying the item with the court was either an error or a lie. 
Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ), and the information must be deleted immediate
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing this letter to dispute several items on my credit report, which I believe are inaccurate and damaging my credit score. As per the Fair Credit Reporting Act ( FCRA ) Section 611, I have a right to dispute any inaccuracies in my credit report. 

My name is XXXX XXXX, and the following are the negative items that I would like to dispute : XXXX XXXX XXXX  - Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull, and I demand that it be removed from my credit report immediately, as per FCRA Section 611 ( a ) ( 2 ). 

XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull, and I demand that it be removed from my credit report immediately, as per FCRA Section 611 ( a ) ( 2 ). 

XXXX XXXX - Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately, as per FCRA Section 611 ( a ) ( 1 ) ( A ). 

XXXX XXXXXXXX XXXX A - Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report, as per FCRA Section 611 ( a ) ( 2 ). 

XXXX XXXX  - Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report, as per FCRA Section 611 ( a ) ( 2 ). 

XXXX XXXX XXXX XXXX - Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report, as per FCRA Section 611 ( a ) ( 2 ). 

XXXX - Account XXXX : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report, as per FCRA Section 611 ( a ) ( 2 ). 

I kindly request you to conduct a thorough investigation into these accounts and provide me with a written explanation of your findings, as per FCRA Section 611 ( a ) ( 1 ) ( B ). 

Thank you for your cooperation in resolving these issues. 

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

I contacted experience fraud department representative by the name of XXXX at XXXX ( XXXX ) XXXX on XX/XX/2022 only to have him tell me that they conducted the investigation completely by the law, I did not know what I was talking about, and that he was going to end the call because I was refusing to except the lies that he told me. I explained to him that Section 609 of the FCA, gives me the right to see what the furnished sent to your reporting agency ( XXXX ) as evidence that the information is correct. But the information needs to be verifiable, so if it's not, it should be removed from my credit report. However, that information was never confirmed or provided to me. 
As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. I am entitled to see the source of the information, which is the original contract that contains my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The following accounts and credit inquiry is listed on my Experian, XXXX and XXXX XXXX credit report and is fraudulent and not mine : XXXX XXXX, XXXX/XXXX, XXXX/XXXX/XXXX. The accounts and credit inquiry is fraudulent, unauthorized and dont belong to me.
Product: Debt collection

on XX/XX/XXXX we filed for XXXX  XXXX bankruptcy Navient removed the debt from my credit report after the filing meeting of creditors was on XX/XX/XXXX, there were no objections raised by any creditors whatsoever. none even attended the call my credit report stays blank all thru XXXX and XXXX bankruptcy was discharged on XX/XX/XXXX with no contests or any exceptions whatsoever case number XXXX on XX/XX/XXXX or shortly thereafter, Navient re-listed the debt on my credit report, sent me a demand for payment, and began charging me interest and late fees this is a private student loan that was found to be predatory in nature. the loan is involved in a federal lawsuit AGAINST Navient for being unfair, and calling for it's discharge this debt should not be collected upon. it is a student loan for XXXX XXXX XXXX, which was found in federal court to have defrauded attendees and borrowers of federally backed student loans. 

the money was loaned to me by Navient, a company accused in federal court of defrauding and misleading me and thousands of others and trapping them in these private loans unfairly and with known collaboration with the education institutions to hike the prices and make the common person foot the bill
Product: Credit card or prepaid card

They force me to change my password repeatedly and wont allow me to use my own password. Refuse to help and suspend my access online.
Product: Credit reporting, credit repair services, or other personal consumer reports

a fraud was in process on my XXXX XXXX credit card. I contacted XXXX XXXX while the fraud was in process. The representative told me our conversation was being recorded and that the fraud was in a " pending '' status and that I was completely covered under the conditions of my agreement with XXXX XXXX. Weeks later XXXX XXXX started trying to collect the fraud amount ( {$400.00} ) and since they have added interest. They have ignored there recored statements to me. This all occured in XXXX XXXX. I filed a FTC complaint on XX/XX/XXXX ( FTC report # XXXX ) and reported this issue again to the FTC on XX/XX/XXXX ( FTC report # XXXX ). Sometime ago XXXX XXXX stopped contacting me and turned the issue over to some collection agency. This agency has continued to harass me with phone calls and recently caused me considerable problems. Apparently, Experion credit reporting has reported this as " code XXXX account with a reported delinquency status including bad debt ), to my homeowners insurance company. This incorrect information was sent to XXXX consumer service center of XXXX, Ga. ( XXXX referecnce # XXXX ) and sent to XXXX XXXX company. XXXX is incorporating this incorrect information into the calculation for the charge for my insurance. 
These organizations are all complicit in to incorrect reporting and are costing me money. I have done all i know of to do to resolve this issue to no avail. I need your immediate attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding inaccurate and unknown items notated on my credit report. As of today, approximately 50 days later, I have not received a response. I feel like I am being taken advantage of, my disputes are being ignored and my rights are being violated. In Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a legitimate reason to immediately remove those items from my credit report. It has actually been well over 50 days ; therefore, those items should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress and mental anguish caused. My information was also impacted by the XXXX data breach and may have found its way into the hands of the wrong person.