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

I deposit the total amount of {$4700.00} cash at Chase ATM, address XXXX XXXX XXXX, XXXX XXXX, CA XXXX. However, I received the bill that I only deposit {$1700.00} and give me the number to call and check again. I find the {$6000.00} claim through that number, but the bank denied {$3000.00}. This money is my tuition fee so I need it as soon as possible. The bank still post {$1700.00} transaction on my account and ignore the {$6000.00}.
Product: Credit card or prepaid card

My identity was stolen. And Direct Express has let people take my card. They call and pretend they are me and change address, phone number and email, I check and see the replacement fee and expedited fee and call immediately, then I get charged the same. Its happened over 10 times and I have requested numerous times for the fees to be reversed because they allowed it to happen. I want stolen money back to. I only receive SSI
Product: Debt collection

Lockhart, Morris and Mont continue to report false medical debt previously discharged 2x now.
Product: Payday loan, title loan, or personal loan

This company cause my credit to be financial impacted and cause me to file bankruptcy. 
I would like to be apart of the law suit against Omni.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

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

The following companies are reporting old accounts that were included in my XXXX XXXX bankruptcy as accurate and as a result of that, the accounts remain on my credit report when they should have been removed. I filed a XXXX XXXX on XX/XX/XXXX, and the bankruptcy shows up on my credit report as proof. XXXX, XXXX, and Experian refuse to take these accounts off of my credit report due to these companies reporting the accounts as accurate. 


XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX )
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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

I was advised to contact this agency about items on my credit that are not mine. XXXX, XXXX AND XXXX. I have contacted the FTC and my local police. There are also inquiries on my report that e.re 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. I am doing this on my own behalf.
Product: Credit card or prepaid card

I filled out an application with American Express for a new XXXX credit card because I wanted to take advantage of a promotional offer. I was emailed a status update which I had to go to a secure site to check and was notified that i was declined. I then called a phone number which informed me that was application was declined due to an account I had with American Express being closed out with a balance on it. I have never had a personal American Express card but a Corporate Card. 

I had started working for my former employer XX/XX/XXXX. Due to illness and multiple XXXX I went on sick leave from XX/XX/XXXX. I did not return to the company until XX/XX/XXXX and where I was promptly laid off from my position. During the separation meeting, I informed XXXX XXXX that there were some charges from my Corporate Card from travel that occurred at the end of XXXX and first couple of days in XXXX for a XXXX XXXX   XXXX that needs to still be expensed but I didn't get a chance to since the charges had been purged from the system by the time I returned to work so there was no way for me to expense the items. 

What incenses me about this is because Corporate Cards are not issued on individual credit but n corporate credit. Even if I had used  the card or personal purposes, eventhough I did not, it should still not reflect on my personal credit as I never used personal credit to get the card. 
Without disclosing my medical condition, I was forbidden to access any work items during my sick leave. I shouldn't have to legally do this. It is very upsetting. 

They need to remove this for my credit immediately and request the company pay them by their contract terms.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit score via my " Capital One '' credit card account regularly. I do not know if this is the norm across all reporting agencies and all financial institutions, but I believe the way the credit scores are calculated is very unfair, let me explain. 

My Capital One credit card account calculated my score based on 6 categories. Mine are listed below. I have two problems. 
1 ) " Credit Used '' and " Available Credit '' are TWO different categories. If I make a large charge on my credit card, I get dinged twice, in two different categories. My " Credit Used '' increases, and my " Available " Credit '' decreases. Making a charge on my credit card should NOT affect TWO different categories, it should only affect one.

2 ) It is fairly easy to have 100 % On-Time payments to achieve an " excellent rating '', but it is outrageous in my opinion that in order to achieve an excellent rating for " Oldest Credit Line '' is 25 years. 

Can you please send this to everyone that can address this, even within our government to have these issues addressed?. If this is solely based on the way Capital One calculates the credit score, then they need to address this. Otherwise, if this is how all financial institutions calculate credit scores, then this needs to me changed/modified. Thank you for your time!. 

My reporting from Capital One Bank : 1 ) On-Time Payments - 100 % Excellent 2 ) Oldest Credit Line - 22 Years - Good 3 ) Credit used - 6 % - Excellent 4 ) Recent Inquires - 0 - Excellent 5 ) New Accounts - 1 - Excellent 6 ) Available Credit - XXXX  - Excellent
Product: Debt collection

I had an account with XXXX XXXX XXXX and I asked them for XXXX for TV service. There was no XXXX in my area, so XXXX XXXX XXXX had a deal with XXXX and that 's what XXXX XXXX XXXX gave me. My payments went to who I had a contract with, never paid anyone but XXXX XXXX XXXX and paid in full. Never had credit card, check, or money exchanges with XXXX because I had no account with XXXX. I left XXXX XXXX XXXX, now XXXX tells me I canceled early, and I owe money. I was never with them. I never had a contract with XXXX XXXX.
Product: Mortgage

I can not get my mortgage company to send me a bill. They are mailing it to the wrong address and told me I need to correct it. I never asked them to send it there so I do not understand why I ca n't get a bill mailed to the home on file ( the property address for the mortgage ). I am unable to pay my bill, so my credit is being affected.
Product: Checking or savings account

Account shows account balance and reports as fraudulent account. I never had a balance or was fraudulent. please fix.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

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

On XX/XX/2022, I applied for a new checking account with XXXX XXXX  XXXX XXXX XXXX. Since I have a credit freeze with all three credit reporting agencies, I was informed Equifax is the credit agency the bank uses. 

I temporarily lifted the Equifax credit freeze. At the time of the freeze lift, Equifax showed my credit score to be XXXX. When I went back to sign various banking documents, I was given a document showing my credit score to be XXXX. When I questioned the bank representative about the significant credit rating difference ( more than 100 points difference ), she said she would investigate the matter. In addition, I contacted Equifax directly and was told the XXXX score is based on a proprietary formula and often other financial institutions may use a different credit rating formula. However, the Equifax credit score showing XXXX should have been the score issued to the bank. In a follow up call with the bank representative, I explained that Equifax had stated the credit score of XXXX should be the credit score the bank received by Equifax. This means that the bank has their own credit rating formula. The bank representative indicated the score of XXXX is what was received by Equifax. 

I have asked to see the actual credit report the bank received from Equifax. Also, I stated if the bank uses a different formula for determining credit ratings, I wanted that information too. As of today, there has been no further communication with the bank. Either the bank is lying or Equifax. There is a serious problem when the three credit reporting agencies show a credit rating of over 800 points and a bank tells me my credit score is XXXX.
Product: Debt collection

CAPITAL ACCOUNTS LLC Last reported XX/XX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CAPITAL ACCOUNTS LLC Last reported XX/XX/XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX FL XXXX *
Product: Debt collection

Portfolio Recovery Associates is trying to collect on debt that I do not owe. I have asked them to prove that this debt belongs to me on many occasions. They have been unable to do so. They bought some debt from XXXX XXXX for pennies on the dollar to make a profit. They only provide an account summary. They have no copies of my signature anywhere ( because the account isn't mine ). They could very easily say the man in the moon owes that to XXXX XXXX. Portfolio Recovery Associates is a very unethical and immoral company. They buy debt from companies with no proof that the debt is actually owed. This is inaccurate and unverifiable but it has yet to be removed. That is a direct violation of the FCRA.
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 has violated my rights. 

I looked at my Equifax 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- ( 1 ) 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

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX  regarding inaccurate credit reporting to the XXXX major credit bureaus ( XXXX, XXXX, and Experian ). Despite making timely payments on my XXXX XXXX  account, the following inaccuracies have been reported on my credit reports : Inaccuracies Reported : 30 Days Late : XX/XX/year> on XXXX, XXXX, and Experian 60 Days Late : XX/XX/year> on XXXX, XXXX, and Experian These late payments are incorrect, as I have made all payments on time during the periods in question. I have attempted to resolve these inaccuracies directly with XXXX XXXX, but the incorrect entries persist across all three credit bureaus. 

Impact of Inaccuracies These inaccuracies have had a significant negative impact on my credit score and overall financial health. I have experienced difficulties in obtaining credit, increased interest rates, and damage to my creditworthiness due to these erroneous reports. 

These actions are necessary to restore my creditworthiness and mitigate the financial damage caused by these inaccuracies. 

I appreciate your attention to this matter and look forward to your assistance in resolving these issues with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I turned XXXX on XX/XX/2020. I should not have a credit profile. If XXXX XXXX, and Transunion would have done their jobs properly and verified information and not reported fraudulent information. I would not be a fraud victim to begin with. I contacted XXXX XXXX, and Transunion about the fraudulent information on my credit profile and it seemed like a simple fix so as I was told to do. I sent XXXX XXXX and Transunion a copy of my birth certificate, drivers license, social security card, Federal Trade Commission Identity Theft Report, and a bank statement. XXXX XXXX, and Transunion still hasnt removed all these fraudulent items off my credit profile. Most off the accounts were opened when I was a XXXX XXXX XXXX child. XXXX XXXX, and Transunion did no investigation what so ever. They all informed me that a fraud alert was placed on my credit profile thats all no removal of the fraudulent items.
Product: Credit card or prepaid card

I applied for the American Express Platinum Card brand on XX/XX/2018 via a friend referral from XX/XX/2018. I was approved for the card under promotions conditions offering XXXX membership rewards after spending {$5000.00} in purchases in the first three months of card membership ( see attached email of XX/XX/18 ). Additionally, after becoming a Platinum Card member, I referred a friend with the understanding that I would receive XXXX Membership Rewards points once the referred member received his card. To my knowledge, the member I referred used the appropriate link I sent him ( see attached ) and has been furnished with the American Express Platinum Card.  To date, there are XXXX promotional Membership Rewards not awarded to my account as offered by American Express. I have spoken to many representatives at American Express in past three ( 3 ) months, many of which have been unaccommodating, condescending and blatantly rude with respect to resolving these matters amicably. I write for guidance as to any action that might be available to me at this time. Notwithstanding the lack of consumer resources offered by American Express, after paying an annual membership fee of {$550.00}, I believe that I have been duped. There certainly may be other consumers that may share this experience.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX TRANSUNION CONSUMER DISPUTE CENTER XXXX XXXX XXXX XXXXXXXX, PA XXXX 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 XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The accounts listed above 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 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. 

*** I DO NOT NEED YOU TO START A DISPUTE ON MY BEHALF AS I HAVE ALREADY DONE SO AND TRANSUNION DID NOT RESPOND/SENT STALL LETTER/VERIFIED AS ACCURATE ( WITH NO PROOF AS REQUESTED ). 

BEST, XXXX XXXX Without prejudice, all natural inalienable rights reserved.
Product: Checking or savings account

Hello, below is the previous response from JP Morgan Chase Bank in regards to the initial inquiry : ******* We are unable to locate the CD account with the information you gave us. We are required to keep records of accounts for seven years. However, the information you provided shows the CD would have matured in 2001. The funds may have been considered abandoned or otherwise inactive after a certain period if they were not withdrawn. We can research this further if you can find and send us a bank statement or an IRS Form XXXX for the CD dated within the last seven years. Unclaimed funds are sent to the state of the account holders last known address on record by the bank maintaining the account at that time. You may want to search XXXX and XXXX to see if they may have a record of the CD account. 
********* I have thoroughly researched with the state of Oklahoma in regards to any unclaimed funds. They indicated that there weren't any funds from JP Morgan Chase Bank turned over to Oklahoma in my name. Additionally, if there were funds in such a large amount as {$10000.00} there would be no statute of limitations for how long the state would hold to them. Simply put JP Morgan Chase never turned over any funds on my behalf to the state of Oklahoma. 
Futhermore, I've also checked with XXXX they have no record of any money for me. 

I have been a member with JP Morgan Chase for over 20 years. Not only with banking but with my financial investments being managed by JP Morgan as well. In fact most of my financial needs ( XXXX XXXX military pay monthly direct deposit, credit cards, safe deposit boxes, checking, XXXX military pay, IRA etc ... ) all managed by JP Morgan Chase. During this time I've traveled all over the world with the belief my money was safe. Upon my XXXX as I was going through my old files is when I came upon the original Certificate of Deposit and the receipt showing the funds being withdrawn from my checking account to start the CD. A copy of all these documents was provided to JP Morgan Bank. 

When JP Morgan took over XXXX XXXX  is around the time that the CD records can no longer be located. The question remains, " What happened to my {$10000.00} CD? '' With all this in mind I find it unbelievable and  unacceptable the response and lack of effort to resolve this issue for a loyal customer. A multibillion dollar organization can't locate these funds or account for them? I believe they could if it really mattered to them. It does to me. 

In closing, I'm requesting that my complaint is made personally aware to XXXX XXXX XXXX, JP Morgan CEO, to help resolve this matter. 


Sincerely, XXXX XXXX
Product: Student loan

For over a 5 year period I've been making payments on a student loan that I'm unaware if the payments are credited to the outstanding balance. Also, on several occasions I requested statements of the balance, however, I received no documentation stating an accurate account of interest, balance and terms. 

My loan was sold to Navient, when I was employed as a school teacher and I was in a forgiveness program ; however, after my loan was sold, the loan was no longer recognized in the program, the interest and debt owed, was increased to the original amount.