23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

On XXXX XXXX, XXXX, my rent check for XXXX was mailed. On XXXX XXXX, XXXX, the " Pay to the Order of '' on the XXXX rent check was altered and cashed at a XXXX Bank. On around XXXX XXXX, XXXX, I filed a fraud claim with Chase Bank. Chase Bank said I would receive a refund in a few days. It has been 33 days and my refund still has not been issued. After contacting Chase Bank again, I was told by a supervisor that it could take 90+ days to receive my refund. When I asked to clarify how long the " + '' could be I was not given an answer. 

Chase Bank Contacted XXXX Bank on XXXX XXXX, XXXX. As of XXXX XXXX, XXXX XXXX Bank has not responded to Chase Bank and Chase Bank has made no effort to follow up with their claim to XXXX Bank.
Product: Student loan

I went to school and graduated. Cant get a job in the field, due to the school not being accredited. There were extra fees added that i was not aware of.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts, nor are these my names and addresses on file. Please remove them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXXXXXX XXXX XXXX ACCOUNT # XXXX, 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 an account without my written instructions.
Product: Credit reporting

I have tried to open a dispute with transunion online but it went nowhere. 
I had a collection account on my reports from " XXXX XXXX XXXX XXXX, XXXX ''. I paid them and on XXXX XXXX, 2015 they agreed to remove the accounts because there had been some issues with the reporting. I got this in writing as well in case there were any issues. XXXX and XXXX removed it quickly but 7 months later, it is still on transunion. I am attaching a copy of my letter from the collection agency.
Product: Checking or savings account

put {$250000.00} in CD XX/XX/XXXX. matured XX/XX/XXXX. interest pegged 5.25 %. XXXX was supposed to {$260000.00}. they changed interest to XXXX and only paid approx XXXX they owe me, {$3500.00}. thank you impatiently awaiting your response. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer : XXXX XXXX XXXX XXXX XXXX known as XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX want XXXX inquiries to be deleted from my credit report. I did not authorize these companies to run my credit report that is fraudulent. I do not have lines of credit with any of these companies and never applied. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Account number XXXX The information provided to me states the address where the account was first opened is XXXX XXXX XXXX XXXX XXXX pa XXXX which is not and has never been my address
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal info ( SSN, driver 's license, age, address and bank account ) has been hacked because of the neglect of Equifax.
Product: Checking or savings account

My name is XXXX XXXX and I have experience an unbelievable situation with XXXX XXXX XXXXthat I can categorize as a scam. On Monday, XX/XX/XXXX I have called the company XXXX XXXX XXXX behalfof my friend, XXXX XXXX ( she was in the hospital recovering from a XXXX XXXX { https : XXXX } and give permission to speak on her behalf ) The phone number associated to her account was ( XXXX ) XXXX. I was told her account was canceledon XX/XX/year>2025 and she has one month to pay the service balance of {$1100.00} and reinstall her account and use the same phone number. Once they processed the payment I was told I have the option to cancel, if for some reason I changemy mind. The next step would have been them calling me back in about 30 min to activatethe new card that I purchased from XXXX XXXX XXXX and have the same phone number. I never received a phone call back and after one hour, I called them. I was surprised to hear that her account was canceled on XX/XX/year>2025 and there is no chance she can continue to have the same number. For XXXX it was crucial to have the same number so she can log in her Email and XXXX, now that she lost in the fire her phone, birth certificate, ID, SSN card. We made a big financial effort to pay the amountof XXXX, that being the situation XXXX is in, and insteadwe didn't receive anything. I filed for a refund and I received a denialwith no explanation ( see attachment ). My friend, XXXX, is not gravingonly for materialthings lost in the fire, but also for her XXXX XXXX XXXX son that died in the XXXX and employees from XXXX & took advantage of the situation, even though we explained everything and made the payment based on wrong information. I tried to cancel the transaction throw my bank but i didn't receive any answer.I am hoping this letter will help get the money refunded because we were played by the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company has let my credit information to be accessed by unknown entities and now has placed my private information in potetial hazard. Company also sold stocks to protect value of company which is a insider traiding scheme.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report - FCRA Section 611 Dear Sir/Madam, I am writing to dispute inaccurate information listed on my credit report provided by Transunion. Pursuant to my rights under Section 611 of the Fair Credit Reporting Act ( FCRA ), I am entitled to have any inaccuracies promptly investigated and corrected. 
After reviewing my credit report dated XXXX XX/XX/XXXX, I have identified discrepancies that necessitate your immediate attention : XXXX XXXX XXXX XXXX XXXX : {$10000.00} / {$7100.00} XXXX : {$10000.00} / {$0.00} TransUnion : {$10000.00} / {$0.00} Inaccuracy Noted : There's a discrepancy in the credit limit reported. XXXX lists a credit limit of {$7100.00}, while both XXXX and TransUnion show a credit limit of {$0.00}. 
Last Reported : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX TransUnion : XX/XX/XXXX Inaccuracy Noted : XXXX reports the last update almost a month earlier than XXXX and TransUnion. 
Comments : XXXX : Charged off as bad debt XXXX : Unpaid balance reported as a loss by the credit grantor TransUnion : Consumer disputes- reinvestigation in progress Inaccuracy Noted : The comments vary significantly, indicating different stages or perspectives on the account 's status. While XXXX and XXXX indicate the account as a loss or bad debt, TransUnion notes an ongoing dispute. 
Date of Last Payment : XXXX : XXXX XXXX XXXX XXXX TransUnion : XX/XX/XXXX Inaccuracy Noted : There's inconsistency in the date of the last payment. TransUnion shows a much earlier date, whereas XXXX shows a significantly later date, which might indicate more recent account activity that isn't reflected in the other reports. 
Date Last Active : XXXX : XXXX XXXX XXXX XXXX TransUnion : XX/XX/XXXX Inaccuracy Noted : There is a significant discrepancy in the reported " Date Last Active '' across the XXXX bureaus. TransUnion reports a much more recent activity date than XXXX and XXXX Section 611 of the FCRA mandates that you conduct a reasonable investigation into these discrepancies. This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information, please remove immediately Therefore, I am enclosing copies of supporting documentation to assist in your investigation, including [ documents/evidence supporting your claim, such as billing statements, payment records, or correspondence with creditors ]. 
I hereby request that you undertake a thorough investigation of this matter and provide me with a detailed explanation of your findings within 30 days, as stipulated by Section 611 of the FCRA. Should the information be found to be inaccurate, I expect prompt correction or removal from my credit report. 
Furthermore, pursuant to Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA, I request that you notify me of the results of your investigation and any amendments made to my credit report. Thank you for your prompt attention to this matter. I trust that you will handle this dispute in compliance with federal law. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As you can see by attached proof from XXXX XXXX, I've made 23 payments on time over the last 23 months and my current balance is reflected as XX/XX/2024 was XXXXXXXX XXXXXXXX XXXX had an issue on their end and had to reset up plan in XXXX I've asked them multiple times to update my credit report as current and reflect current balanceXXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the list of accounts below had violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 Section 602 states I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 It also states a consumer can not furnish a account without my instructions 15U.S.C 1681c.a5 Section states no consumer reporting agency may make any consumer report containing any of the following information other than records of convictions of crimes which antedates the report more than seven years.

15U.S.C.1681s-2 ( A ) 1 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting false debt onto my credit report. The debt has never been mine and was opened using identity theft. The original creditor ( XXXX XXXX XXXXXXXX ) has XXXX records of this supposed debt. My credit report was frozen and never accessed by XXXX XXXX XXXX. So if they extended credit they did no checking to verify identity. This must be removed ASAP as the information provided does not match any of my information ( address/phone/email ) at any point. I have filed my identity theft report.
Product: Debt collection

I didnt give anyone the right to share my information requested the company to send me something showing where I signed a contract for this service they have no right I have also send a letter to FCRA for violating my right also ask this company to validate information until then it needs to be removed from my credit report
Product: Credit card or prepaid card

Starting XX/XX/2021 my acct was hacked and made to appear as if I transferred money to my self via cash app started off adding XXXX then XXXX dollars then dstarted to deduct In small denominations as low as XXXX dollars and then up to XXXX and eventually XXXX dollars. INEVER RECIEVED THE MONEY ON MY CASH APP!!! 
I PROVIDED CHIME WITH MULTIPLE PAGES OF EVIDENCE WHERE MY PERSONAL BANK ACCT WAS HIT THE SAME WAY, CASH APP HAVING NO RECORD OD SAID TRANSFERS AND EVERYTIM THE DISMISSED THE {$410.00} DISPUTE TWO TIME WITHIN HOURS AS IF THEY DIDNT EVEN BAT AN EYE AT IT. 
PLEASE HELP ... IM ON FIXED INCOME AND XXXX MIGHT NOT BE MUCH TO MOST OR CHIME BUT IT IS TO ME THANK YOU ... XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reported to XXXX that I was suspected of fraud and closure status unpaid. I never had an account in fact, I tried to open an account and was denied. The bank refunded my XXXX $ deposit and cashed it at XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, CO XXXX. This is by far the worst thing anyone could have on there account. Since emailing the CEO of XXXX XXXX XXXX XXXX of customer relations has tried to tell me to stop the dispute and they would remove what is on my credit report. I pay high interest on my car payment and insurance currently. please help me resolve this is by far the worst thing anyone could go through.
Product: Checking or savings account

I was selling products through XXXX and Paypal for my XXXX XXXX XXXX. I started selling XX/XX/2020 and on Friday was hit with an account hold where my {$6000.00} in funds from sold items was held because they said I violated " User Agreement ''. I read the terms and didn't see anything I did that violated that. I sold some items, but all were okay with XXXX and everyone was previously listed on XXXX by someone else with no problems. 

Paypal is holding my {$6000.00} for 180 days at least, and won't return my messages and won't call me even though I've requested it. As a new XXXX I really could use this money, I don't believe I did anything wrong at all. Their resolution center just said there's suspicious activity so they shut me down. To top it off I have items now that I'm getting negative reviews on because people won auctions but can't pay for their items.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Karma website advised me that I had EXCELLENT & GOOD approval odds, and when I applied I get denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX made a mistake. My account was never late. Yet my report still shows two 30-day delinquency payments. They submitted two letters to the credit bureaus, and each time, the letter was insufficient. XXXX XXXX has told me over the phone multiple times that it is their fault that the delinquency is shown, yet they still have not fixed the issue. It is their responsibility for messing up my credit and they need to take responsibility and be held accountable for this. They state that they can only do so much, yet this is a very serious issue. They are not doing enough and the credit bureaus are also at fault for the inability for me to talk to someone over the phone. A simple letter submission is clearly insufficient if XXXX XXXX can't clearly communicate the issue, show fault, and resolve the issue. This is unacceptable all around and needs to be remediated immediately.
Product: Checking or savings account

I just received a response to my complaint and the CFPB closed the case without verifying the information. Which is disappointing. Anyway wells fargo lied about their response. I will tell you why. I filed a claim in XXXX of 2021 that was denied. The rep that I spoke to today by the name of XXXX told me the claim was closed in XXXX of 2021 which was false because I as a wells fargo customer had the right to dispute their decision which ultimately led to the claim being approved in XXXX of 2021 because I kept pushing about it being fraudulent but I was only given a partial credit amount and was told by the rep XXXX this morning that the claim in XXXX of 2021 was closed and the partial credit I received in XXXX of 2021 was from the merchant, not wells fargo. How ever the letter that I received in the mail from wells fargo states that I was only given a partial credit in XXXX of 2021 because they were limited on what they could do because of the time frame. Which I later found out by a completely different employee in XXXX of 2021 was 60 days. Nothing in this letter I received from wells fargo stated it had anything to do with the merchant. So again wells fargo lying to save their own behind. The lies just continue to add on with this company. Over the past 18 months and 40 plus people that I have been passed around too, just nothing but lies and misinformation. No one is ever on the same page, its always something different. I do not understand how this company can continue to lie and not take responsibility for a mistake that was made on their part and nothing come of it. I have wasted 18 months fighting them on this, and today get told I will not be receiving any compensation and the matter was closed. They continue to lie, the person I spoke to on the phone today lied. They are trying to lie their way out of something that they shouldnt be able to and its not fair to me the customer to have to fight this hard and take all the steps that I have been required to take in order to get the proper resolution to this matter.
Product: Credit reporting or other personal consumer reports

Family Educational Rights and Privacy Act ( FERPA ) Prohibits a company from sharing personal information without giving notice
Product: Debt collection

On or about XX/XX/XXXX, I was issued a loan from Loan Me XXXX. I obtained this loan by phone. I don't recall receiving written contact for the promissory note. The call was advised it was 36 % percent. They verbally represented the facts by phone. After making more than 60 % of the principal amount I borrowed, I was no longer able to pay the large amounts of interest/payment. I did modified once for having payment arrangements due to payments to high of interest. Shortly after I wasn't able to pay off. 

Shortly later, I received a letter from XXXX XXXX XXXX, XXXX. dated XX/XX/XXXX stating that I owed {$3700.00}. This letter was sent by the law firm XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 

XX/XX/XXXX I was served with XXXX XXXX XXXX lawsuit by XXXX XXXX XXXX  claiming I owed {$3000.00} plus {$710.00} post charge off interest. {$3000.00}. plus interest from the date of the charge off debt, which was XX/XX/XXXX until of judgement. 

When I received the initial letter I thought it was a scam. When I was served, the copy of orginal promosinary note, which shows a interest rate that I was not aware of which is 137.65 % interest, APR. I was stunned, {$16000.00} of a claim. 


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

15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet all Presons/Corporations are reporting this information. The reporting of excluded information pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of the consumer Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that any account that negatively reflects has been " validated '', let 's be clear that I am not asking you to validate or verify anything. Please do not respond saying that as a tactic to waste my time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of the IRS form 1099-C Cancellation of Debt. XXXX and other Reporting Agencies/Creditors reporting Collections/Charge-Offs, late payments/ALL other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted Overview with the Internal Revenue Service against ALL entities involved if ALL derogatory information is not deleted from my consumer report within 30 days of I will forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Original Information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear To whom it may concern, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after date of the receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S. Code 1681b- Permissible purposes of consumer reports- ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the following account ( s ) listed IMMEDIATELY : Account name : XXXX  XXXX  Date opened : XX/XX/XXXX Account number : XXXX Account name : XXXX XXXX Date opened : XX/XX/XXXX Account number : XXXX Account name : XXXX  XXXX  Date opened : XX/XX/XXXX Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to hardship financial situation and XXXX in the family at the time, it shows that I have late payment ( s ) for XXXX XXXX and XXXX. According to XXXX and XXXX letters, Ive asked for proof but nothing ever sent to me.
Product: Debt collection

A few days ago Credence resource management put a account on my credit report before I was ever giving any physical notification of the attempt to collect this debt that is a violation No information given regarding account. Violates federal 15 USC 1692g ( a ) and 15 USC Section 1681. I never authorized or given permission for this to be reporting. This account had already been removed from my credit report once because it was a fraudulent account. This is a violation of 15usc 1692 ( a ) this is harassment and they are hurting my credit reputation