23daVinci/CFPB_Complaints huggingface dataset:
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. 


XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 


XXXX Account XXXX : XXXX Please remove it from my credit report. 


XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 



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: Debt collection

The original creditor have made unwarranted claims, especially when most of the maintenance and walk throughs were not allowed anymore, due to COVID-19. Only emergency maintenance calls. The debt balance includes mostly maintenance charges that we had to call in and report. They turned the maintenance reporting off via their online portal. There were no ways to report maintenance except for calling in. and replacement of carpet. However, when it comes to the maintenance, we were informed that our maintenance calls were not emergencies and they were left unattended, again due to COVID-19. The Apartment complex were not doing walk throughs anymore at the time to hand in the keys and vacate the unit, due to their new policies, again to due COVID-19. The breakdown of the additional charges includes all of the maintenance issues we had informed them about. The fact that they are now charging us for it, is stealing and against their own changed policies, due to COVID-19. The creditor claims that the charge for carpet replacement should be ours. However, the carpet was left in good condition, we did not destroy anything that it needed to be replaced or fixed. There is no proof of that and we did not sign off on something like that. Again, there was no walk through, because per the creditors new policies, due to COVID-19. I am willing to pay what is warranted, which only includes the following : water reimbursement, trash out, garage cleanout, dry wall repair from tv mount. I have included the copy of the additional charges so you may cross reference with the list above to the charges. My portion comes to a total of {$280.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, On XX/XX/XXXX I spoke with Experian cutomer service asking for an Early Exclusion for an account that will be deleted ( fall-off ) XX/XX/XXXX. I Did Not state I was disputing any of the information that was being reported. The agent erroneously submitted a dispute for " inaccurate dates ''. I am very upset that this happened as the original creditor was sent a formal dispute on my behalf that I DID NOT initiate. All I asked for is an EARLY EXCLUSION. There is usually a yes or no answer to that question. I even sent them an email a few days later reminding them that I am NOT disputing the information, only requesting EARLY EXCLUSION. The result of this error is that the information came back " validated ''. Experian should be able to pull the recorded call and email and verify what is being stated is correct.
Product: Vehicle loan or lease

In XX/XX/XXXX my husband leased a XXXX XXXX XXXX through XXXX XXXX XXXX which is owned by JPMorgan Chase Bank.  The lease was for 3 years ending in XX/XX/XXXX.  Unfortunately, my husband died in early XX/XX/XXXX.  When I contacted Chase, I was put in touch with the Auto Recovery, Bankruptcy, Special Ops @ Chase which also handles Probate matters. On XX/XX/XXXX, I was told the account was being closed (discharged), but I could continue to make payments or go to the dealer and buy the car.  I continued to make payments, the latest one at the end of XX/XX/XXXX so the account remained current.  I did explore buying the car with the dealer, but the payments would have been twice the current payment.  I was also told by Chase that there were no WRITTEN polices or procedures that could be sent to me as "they didn't exist".  I would have to go by what they were telling me verbally on the phone while I tried to write down what they quickly rattled off legalese style.  I tried to explain that I didn't understand what was being said and, as I wear hearing aids, could they please slow down, but this didn't happen.  I spoke to 9 different people on 6 different days between XX/XX/XXXX and XX/XX/XXXX, getting different conflicting information every time.  I ended up frustrated, confused, scared, and finally angry.  I was told that I really needed to just return the car to the dealer, and as I was not on the lease, I was not liable for the car or any financing issues.  Chase was going to take the car back, inspect it for damage and mileage at their facility, prep it, and sell it at auction.  They would then approach my husband's estate for any shortfall.  They didn't seem to understand (or care) that while I was "not responsible" on the lease, that the money was ultimately coming out of my pocket.  No one could (or would) give me any idea of how much the "shortfall" would be.  They weren't even going to send a letter to the last address on file to let me know that the lease was bing discharged or anytime else until they had the car and I had signed it over to them.  I was given until the end of XX/XX/XXXX to turn the car in as the lease will be discharged at that time and the car will go into repossession mode with another whole set of fees.  I am feeling most uncomfortable about returning the car without knowing the price of my actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my updated personal credit report and I noticed that there are unauthorized inquiries reporting on my personal credit report. I contacted the company and asked them to remove their credit inquiries from my credit profile. I request that CREDIT BUREAUS initiate an investigation into the following inquiries listed on my credit report to determine who authorized these inquiries. If, once their investigation is complete, find my allegation to be true, please remove these unathorized inquiries as soon as possible : XXXX XXXX XXXX XXXX XXXX XX/XX/2022, XXXX XXXX Inquired on XX/XX/2022, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022, XXXX XXXX Inquired on XX/XX/2022, XXXX XXXX XXXX Inquired on XX/XX/2022, XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX Inquired on XX/XX/2022, XXXX XXXX XXXX Inquired on XX/XX/2022, XXXX Inquired on XX/XX/2022, XXXX Inquired on XX/XX/2022.
Product: Debt collection

XX/XX/2018 XXXX XXXX is trying to charge me for a returned check fee that was drafted out of my checking account for a check that was written to XXXX No XXXX. I tried explaining that the returned check charge had already been paid and the lady argued with me telling me that it was my bank charging me. I continuously explained that it was not my bank and the lady told me it would not be removed and I would have to pay it again. I have a bank statement clearly stating the payment to XXXX for a returned check charge of XXXX and the one from my bank in the amount of XXXX. I am getting multiple calls everyday even after they have been told not to call me.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian and XXXX regarding the inaccurate reporting of a bankruptcy on my credit report. I believe that both credit reporting agencies have violated my consumer rights by including false information that is damaging to my creditworthiness. 

Details of the Inaccuracy : Inaccuracy : Both Experian and XXXX are reporting a bankruptcy on my credit report that does not belong to me. 
Explanation : Upon reviewing my credit report, I discovered that Experian and XXXX are inaccurately reporting a bankruptcy that is not associated with my financial history. I have never filed for bankruptcy, and this erroneous information is having a detrimental impact on my credit score and overall financial well-being. 

Steps Taken to Address the Issue : I have taken the following steps to rectify the situation : Contacted Experian and XXXX : I have contacted both Experian and XXXX to dispute the inaccurate information through their dispute resolution processes. 
Documentation : I have provided supporting documentation, including my credit reports, identification, and any relevant proof that confirms the error. 
Despite my efforts, the inaccurate bankruptcy information persists on my credit reports, and it is crucial that prompt action is taken to rectify this situation. 

Requested Actions : I kindly request the Consumer Financial Protection Bureau to investigate this matter and take the necessary actions to compel Experian and XXXX to correct the inaccurate reporting on my credit reports. 

Enclosed with this complaint, supporting documentation that may aid in your investigation. 

Thank you for your attention to this matter. I appreciate your assistance in resolving this issue and ensuring the accuracy of my credit reports.
Product: Credit card or prepaid card

I had gotten a virtual American Express card for {$50.00} and placed it in my XXXX account as a payment method. When I tried to use it it was declined. I knew I had not used it so I called the number to find out what was going on with it, I found the number online and they gave me the Tech Support Team number of XXXX. The first time I called was on XXXX. I was on hold for 45 minutes and finally, someone picked up. They checked the card and saw there was still {$50.00} on it and told me it had been shut off because it was being used on a fraudulent site. I told them it was XXXX. They took my information, gave me case # XXXX, and said I should get a replacement card in 4 weeks. I never received it so I called back on XXXX. At that time I was told that under that case number, they only had a name and a state so no card could be mailed to me. I said I gave him all my information but she said that was all that showed. After that, I got a new case number and was assured I would have a replacement card in a week. The # was XXXX. She said there was no way it would take 4 weeks. By XXXX I still had not received a replacement card so I called again. This time the agent told me the reason I had not gotten the replacement was that I did not submit a copy of my license and a picture of the card. This department is the lost card department. I asked him if someone has lost his card how would they submit a picture of it and that no one on the previous calls had told me I had to submit my license and a photo of the lost card. I told him it was a virtual card. I said can you look at the notes from the previous two cases. He said there are no notes. After I told him it was a virtual card he said he did not need the paperwork and that they would email me when my card was sent. The new case # was XXXX. I have not received an email, I have not received a replacement card. The card number is XXXX I have the CVV and expiration date. I reported this to the XXXX  and received a letter from AMEX saying the three reps had entered the case incorrectly and I would be sent a replacement card. That was at the beginning of XXXX. I have since complained to the Attorney Generals ' offices of XXXX and NY. I feel this is fraudulent for them to shut the card off and not replace it. This was {$50.00} into their pocket and out of my pocket. I can not understand how such a huge company can be so incompetent.
Product: Checking or savings account

Citi Group has {$50000.00} of mine I placed in a savings account. I put it there for their interest rate and special bonus offer. They have been hard to deal with and get access to my money. I scheduled a transfer of funds back to my XXXX account from which I originally sent the money. The company has said they have flagged the account as possibly fraudulent and will close my account within XXXX business days. After that, I will have to wait another XXXX business days for them to mail me a check. I want my money now, and all they do is hang up on me after they read me a script when I call. I have heard of this happening to other people, and they reportedly never get their money. Please help!
Product: Payday loan, title loan, or personal loan

This is the second loan i have had with this company and in both cases i have not been able to get in touch with them. I have access to the website to view loan details, but I do not have the ability to pay off my loan. I received an email reminder this morning about my upcoming payment date of XX/XX/XXXX, but that i could make a payment by phone today if i wanted. They open for phone customer service at XXXX est, however, i called at XXXX this XXXX  and their call center wasnt open yet. I waited a few minutes to call back and finally got the voice response system. I went through all of the prompts to make a payment on an existing loan with a debit card and to locate my loan using zip code, date of birth and last 4 of my SSN. Record found - voice system said it was transferring me to a representative to take my payment, instead it just goes back to the intake for the voice response system to start all over. It also advises that at any time you can press zero for a representative. I have, it goes back to the voice response intake menu. It is impossible to get a person. I have even called the local office for assistance, but because i did my loan online, they cant pull up my information to help me. The store Rep gave me another number to try, which i did, same thing as above. There is no way to get in touch with a person and to manage your account if you did your loan online. The first time around I gave them the benefit of the doubt that they could be experiencing technical issues, but these events are now months apart and this same run around is still happening.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XXXX
Product: Debt collection

On XX/XX/2022 I accepted an agreement to make XXXX consecutive payments in exchange for an account to be removed from my credit reports. All payments have been made but neither company involved have followed through with agreement. I feel this would be considered fraud and a violation of laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I noticed a message on my Best Buy Visa Gold account statement informing me that I was going to be charged an annual fee next month. I was not aware there was an annual fee, and was fairly certain that I would not have signed up for a Best Buy card that charged an annual fee. I called to speak with an account representative and she confirmed there was an annual fee on my account but I had the option to close it and avoid paying the fee. I closed the account and I requested a copy of my original cardmember agreement that disclosed the annual. They provided a copy of my original card member agreement in the mail and it specifies there is no annual fee. I called Best Buy Credit services again on XX/XX/2022 and their representative confirmed that they have been charging me an annual fee for 10 years! I asked if I could get any of the fees refunded to me and was told they would waive the fee for this year, but I already closed the account. I am complaining because I did not agree to pay an annual fee as part of the original terms and conditions. I did not notice there was an annual fee because of the automatic payments made to this account.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report, I noticed a few accounts in collection that I did not open. XXXX XXXX XXXX opened XX/XX/XXXX. XXXX opened XXXX XXXX XXXX XXXX XXXX Closed XX/XX/XXXX. XXXX XXXX XXXX Opened XXXX XXXX, XXXX.
Product: Checking or savings account

I applied for a Citizen 's bank checkings + savings account in order to take advantage of their {$600.00} promotional offer on XX/XX/XXXX and was approved the same day. 

The promotion was a public offer by clicking on the following hyperlink : https : XXXX *Please note that the page does not exist anymore, but was a public online offer that was accessed by hundreds, if not, thousands of people. 

The offer is as follows : Citizens Bank is offering a bonus of up to {$600.00}. Bonus is broken down as follows : - Get a bonus of {$300.00} when you open a new one deposit checking or Platinum checking account and make a direct deposit of {$500.00} or more within 60 days - Get an additional {$200.00} when you open a new green savings or platinum savings account with a minimum of {$15000.00} not currently on deposit with Citizens Bank and maintain that balance for 3 months - Get an additional {$100.00} when you do both I completed the checkings Direct Deposit of {$500.00} on XX/XX/XXXX. 

I completed the savings deposit of {$15000.00} on XX/XX/XXXX. 

As of Citizens bonus payout time table, I was expected to be paid {$600.00} by XX/XX/XXXX. 

Till this day, XX/XX/XXXX. I have not received the bonus and have been in contact with multiple representatives from the escalation team, to the marketing department who have not been able to locate the promotion. They told me that are not able to do anything. 

I feel cheated out of my money, which was essentially a free loan for the bank. I feel deceived and ripped off from this institution who promised to pay {$600.00} for a person to complete their tasks ( which I did ) and as a user acquisition cost. 

They advertised this promotion and should honor it for those who have completed the terms. My money was tied up with citizens bank for the entire duration and I want to be fairly compensated as they promised for their promotion.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX is reporting duplicate chargeoff on my credit report. Both was a part of an identity fraud
Product: Credit card

I first called Sears and talked to the operator for complaints. She understood my concern and reversed the charges. Three weeks or one billing cycle I receive a letter regarding reversing the charges in favor of XXXX including a letter from the manager stating that the work was done.

I followed up with a phone call and was instructed to summit my complaint. I faxed and mailed receipts showing how I was treated and dismissed. 

After a week or more I called to see if they had reviewed the information. I couldn't tell from what I was told if they looked at the information as she told me the case was closed. She reopened it and told me to summit receipts and any other information that would explain what I had explained now two times. 

And now I called again after a week to see if they had received my info. I was told it had been closed. I asked if I could talked to someone that might have read what I had sent. So she sent me to a upper agent. That agent told me that it had been closed and I needed to talk to XXXX. I think I have 15 phone calls to XXXX still of record without any success. 

I won't be using XXXX for anymore work on my partners jeep.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my consumer report and I notice the credit reporting agencies are reporting private information about my credit standing and worthiness. It is the credit reporting agencies duty to insure fairness, impartiality and to have respect for my right to privacy. My private information and credit experiences are being publicly furnished without my written consent. I am requesting the method of investigation used to verify the accounts that are being furnished without my consent. VERIFICATION " means the process of establishing the truth, accuracy, or validity of something with official documents ''. Please send me the statements of account and documentary evidence in accordance with Truth-In-Lending and the written document from me giving any consumer reporting agency consent to furnish these accounts. If the requested documents are not provided within XXXX XXXX please delete the accounts immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraudulent XXXX XXXX personal loan reporting on my Experian and XXXX. I have told the companies I never opened this and I never signed for this account. I was in XXXX at the time. I want this removed from my credit report, this is harassment. When I call they say its frivolous filing or that I opened the account. When I ask for proof they don't send me anything.
Product: Credit card

There is a fraudulent, unsolicited, opening of a credit card named " Destiny '' under my name and information. On XX/XX/2023 I had received a credit card statement from the company " Destiny. '' It states that I allegedly have a account number and that I owe a balance of {$76.00} on XX/XX/2023 ; charges consist of {$75.00} for the annual fee and {$1.00} for the credit protection fees. I do not recognize this account nor the name of is company. I did not give anyone permission to open this account. I would like this account closed. I was going to contact the company itself through their number XXXX but I googled them first and I believe I do not trust speaking to their representatives. https : XXXX. I want this account closed and I really would appreciate the help. Not sure if this is identity theft because I have also experienced recently {$2100.00} theft at a XXXX XXXX and XXXX far away from where I am located. I will file another dispute/complaint for that separate issue.