23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I've been working to resolve this issue since 2020. Ive sent communication letters to the creditors, and credit bureaus about me being a victim of identity theft. My information was involved in a few data breaches which resulted in true name fraud. Even with my taxes. To prevent that from happening again with IRS, I have an XXXX  on my profile. As far as credit reporting, nothing stops the false reporting. This is preventing me from actually being able to fulfill my ongoing dreams, investments, and credit dreams.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made and XXXX account in last year and purchased {$230.00} plus and paid off I submitted the payment my back provided proof also about the payment but comenity capital bank still calls me check on my credit score and flagged my account on late payment which wrong It has brought down my credit score and putting me in a difficult situation when I have to lease the car for my use
Product: Credit reporting 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. 


Account Name : XXXX  XXXX # XXXX 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: Credit reporting or other personal consumer reports

I've recently received a copy of my credit report and noticed some inaccuracies accounts/information reporting to my credit report that is not mine. These remarks and have been detrimental to my life and credit health.
Product: Credit card or prepaid card

AMEX denied purchasing {$500.00} even after a card payment before the due date. Now the limit has been decreased to less than {$1000.00}. I want Amex to send me by letter a complete explanation about the situation, the reasons, and detailed dates and amounts spent and paid since the account opening. I will submit this to a lawyer that will evaluate the AMEX promotion sent to me and this history for further action.
Product: Credit card or prepaid card

I was incarcerated my home was burglarized my purse containing phone wallet direct express. Social security benefits card were taken and my check for XXXX was. Spent after submitting. My booking release paperwork police report and statement of charges I was denied. The money reimbursed to my benefits. I was incarcerated from XXXX XXXX  my whole may benefits were spent my fraudulent charges case was denied
Product: Credit reporting or other personal consumer reports

I just recently received my credit report on XX/XX/XXXX and I noticed there are some hard inquiries on my credit report. 

XXXX. XXXX XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete the inquiry due to violation of XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete the inquiry due to violation of XXXX XXXX XXXX. 
XXXX. XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete the inquiry due to violation of XXXX XXXX XXXX. 
XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete the inquiry due to violation of XXXX XXXX XXXX. 
XXXX. XXXX XXXX XXXX XXXX  XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete the inquiry due to violation of 15 U.S.C 1681b. 
XXXX XXXX XXXX XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete the inquiry due to violation of 15 U.S.C 1681b. 
XXXX. XXXX XXXX XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete the inquiry due to violation of XXXX U.S.C 1681b. 
XXXX. XXXX XXXX XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete the inquiry due to violation of XXXX U.S.C XXXX. 
XXXX. XXXX XXXX XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete the inquiry due to violation of XXXX U.S.C XXXX. 
XXXX. XXXX XXXX XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete the inquiry due to violation of 15 U.S.C 1681b. 
XXXX. XXXX  XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete the inquiry due to violation of 15 U.S.C 1681b. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. This inquiry has no permissible purpose to be on my report. Delete the inquiry due to violation of 15 U.S.C 1681b. 
XXXX. XXXX XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete the inquiry due to violation of 15 U.S.C 1681b. 
XXXX. XXXX XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete the inquiry due to violation of 15 U.S.C 1681b.
Product: Checking or savings account

On XX/XX/XXXX I received a fraud alert from my monitoring service that an account application had been received using my PII at JP Morgan Chase, as well as 6 emails from that bank welcoming me to my new checking account. I do not have an account with that bank. When my fraud alert company rep and I talked with the rep from JP Morgan Chase on XX/XX/XXXX at approximately XXXX Eastern time about the fraudulent account they informed me that there was a {$0.00} balance and no transactions and they they had frozen the account. They said they would send me the proper paper work to continue with the fraud claim, in the meantime I began getting the reports from the FTC and my local police department to aid in the closure of the account. On XX/XX/XXXX I received yet another alert from my monitoring service that an account with JP Morgan Chase XXXX had been opened. I immediately called Chase and was told that since I did not have the account number or debit card they could not tell me about the account ( even though the earlier rep had told me ). But the rep did tell me that the account had never been frozen, that the previous rep was not supposed to have told me the information that he had, and that they did not even have my complete address on file. I was then told that I would have to wait for my paperwork to come in the mail ( it has been a week now ), fill it out, and send it in, before they would start work on it, OR I could drive to the nearest Chase branch to get the paperwork which is over an hour away.
Product: Credit card

I sent an email XX/XX/XXXX to XXXX with dated screenshots showing a website called XXXX advertising a service called table games on their website and when I signed up for the website that service was no longer available. 

I had made payments to the website to use that service, and it was no longer available. I contacted customer support on XXXXXXXX XXXX and they told me it may or may not come back. I then disputed the services as there was no service I could use that was advertised with venmo. 

Venmo sided with the merchant even though they were falsely advertising a service they did not provide and make the process to give them documentation for the dispute not at all clear. In short, they want me to pay XXXX for a service XXXX  advertised and then did not have and when I wanted my money back my credit card company refused. 

I have no other recourse but to file this complaint as no one is on my side in this and I feel hopeless.
Product: Checking or savings account

I am writing to formally address an ongoing and deeply concerning issue regarding my account with SoFi Bank. Since XX/XX/year>, I have been attempting to close my account, yet despite numerous attempts, SoFi has refused to honor my request. This matter has persisted for months without resolution, and I am now forced to escalate my complaint due to what I believe to be unlawful and unethical practices on the part of SoFi Bank.

Throughout this process, I have encountered repeated roadblocks, misinformation, and outright refusal from SoFi representatives to provide a clear and definitive date for my account closure. This lack of transparency and accountability is unacceptable and raises serious concerns about SoFi Banks compliance with banking regulations and consumer protection laws.
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 : Acct # XXXX, has violated my rights. 

XXXX XXXXXXXX : Acct # XXXX, has violated my rights. 

XXXX XXXX XXXX : Acct # XXXX, has violated my rights. 

XXXX XXXX XXXX : Acct # 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 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 or 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: Credit card

I filed a dispute for a charge that was PENDING on my account, asking the company to NOT allow the charge to go through because I felt that the merchant had defrauded me and I wasn't getting a good feeling that the merchant would remove the charge from my account like they said they would. The company allowed the charge to go through anyway which has caused me a lot of headache - hours and hours of time spent providing documentation to the company to prove why I should not have to pay for the charge. The company sent all of the details over to the merchant and said they were working on my behalf to get the charges removed but it is clear to me that they have not read my documentation and only forwarded it on and accepted the response from the XXXX that they will not issue a refund to me and repeated it verbatum back to me in various letters indicating that I will not be reimbursed and they have closed my dispute. I have a ton of documentation and dates, notes, etc that is very hard to remove all personal information from in order to paste it all in this box. Instead of giving all of the details here, I am attaching all of the documents for your review and determination of what to send to the company for the complaint. Please start by reading the document that says " READ FIRST ... '', followed by the numbered documents in order of number. 
This started on XX/XX/year> when I disputed the charge that was put on my account on XX/XX/year> and was still pending at the time. It has been ongoing since then. The company closed out my dispute for the XXXX time on XX/XX/year> in favor of the merchant.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 Account Number : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, NC XXXX 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX, NC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE ARE ACCCOUNTS, INQUIRIES AND ADDRESSES ON MY REPORT THAT ARE NOT MINE. ACCOUNTS XXXX XXXX XXXX {$150.00} XX/XX/2021. XXXX  {$300.00} XX/XX/2021. XXXX {$2000.00} XX/XX/2021. XXXX XXXX XXXXXXXX {$330.00} XX/XX/2021. XXXX XXXX XXXX {$2600.00} XX/XX/2021. INQUIRIES XXXX XXXX ADDRESSES : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  should not be reporting that I am ( 30 ) days late in XXXX, 2020 on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report along with a copy of my Drivers License and Utility Bill for identification purposes to continue the investigation of my complaint. ) I contacted the dealership directly to defer a payment due to the COVID 19 lockdown. The customer service representative I spoke with said they would work with me on the deferment agreement and that no late would be reported. Unfortunately, the customer service representative lied and did not honor our arrangement. XXXX XXXX XXXX will consider payment deferrals on a case-by-case basis. Mot deferrals offered will be between ( 30-60 ) days. This is per the COVID practices of XXXX. Clearly, I was within the ( 30-60 ) day time frame. This false reporting of a late is seriously harming my credit score and this late needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NY, XXXX XX/XX/XXXX SS # XXXX XX/XX/XXXX Recently, i did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681 e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

16 U.S. Code 1681i ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information dispute by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shallj ) 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. 

Please remove the following items from my credit report, immediately : Accounts XXXX. XXXX XXXX, Account # : XXXX this account is being reported inaccurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting act 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 a account without my written instructions.
Product: Checking or savings account

{$770.00}. XXXX XXXX XXXX  They trying to false charge my account for a debt when I have proof saying they was sending it back To Me
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting at ( FCRA ) to conduct a reasonable re-investigation of disputed information on my credit report leaving an inaccurate or unverifiable accounts unresolved. The consumer financial protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues, such as failing to forward consumer-provided evidence to furniture, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where Experian has neither corrected nor removed disputed items. Despite the evidence I provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Mortgage

Applied for a mortgage refinance with Amerisave Mortgage. They hard pulled my credit and gave me offers on my refinance. The representative was having issues with his VOIP phone and used his cell phone to call me back. I know that the call with him WAS NOT recorded and against compliance. 

They then collected a {$500.00} fee for an appraisal and never rendered the service that I payed for. They will not return my calls or texts. I have filed a complaint in the voicemail box. I call almost every day and can not find a person to speak to to get my {$500.00} refunded.
Product: Credit card or prepaid card

card was cleared, went to use card and account was frozen.
Product: Credit card or prepaid card

Around XX/XX/2019 - CitiBank closed my 2 personal cards. No explanation was given -- I was told to contact them in writing over the phone and no further assistance was provided. I have paid my balances on time the entire length of my history with them. This is evident in my credit report and high credit score.
Product: Debt collection

Account was open on XX/XX/XXXX in the amount of {$910.00} for collection. It is currently listed as both a closed and collection account. It also changes the original amount of the account every month ( which cant change since the account isnt open ). I have disputed several times because this account was settled in court on XX/XX/XXXX in favor of midland in the amount of {$770.00} and should no longer be on my credit report. They increase the balance of the collection every month, and report it twice. Resulting in significantly lowering my score which is a violation of the FCRA as it should not be on my report at all, but they continue to verify inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Misleading information on title loans. Predatory Loans provided in a state " WA '' that has laws that prohibited 800loanmart terms and interest percentage caps. Reported a different larger amount barrowed and loan month terms to credit bureaus at 36 months. When. Was told it was 30 day loan. Disputed with credit bureau 's and was awarded it to be closed and removed. Then they reopened it and reported it to the credit bureau 's That I made payment. And it was delinquent or late and owed {$20000.00} plus to the credit report. Shortly after closing account.
Product: Consumer Loan

Capital One took an unauthorized payment from my account for the amount of {$540.00}. my Auto payment is {$400.00}. they used my banking information and when I asked for it to be refunded it took 5 business days to have it returned to my banking account.
Product: Mortgage

In my recent complaint case # XXXX, the Bureau decided to close my complaint without a resolution. Filing another complaint hopefully to offer more detail in my appeal. ****next line**** In light of my original HELOC inquiry, the banker should further clarify the following items 1 ) it did not FINALISE the removal of the lien as agreement upon the closure of the HELOC ( XX/XX/2019 ), instead, it took several weeks to complete the recording in county 's office after the closure 2 ) the banker did not inform me upon the recording, 3 ) the banker 's website suggests that as of today XX/XX/2019, the HELOC account remains open and valid, 4 ) the banker suggests a 45 days timeframe to answer my inquiry which is unacceptable. 5 ) The banker referred to a " reconveyor fee '' and a " demanding fee '' amounted to the " early termination fee '' that is irrelevant and nowhere found in the HELOC account agreement. 6 ) There is no subject amounts/reasons for fees associated with the said " early termination fee '' in the HELOC account agreement, this resulted in banker 's favour which would allow that the banker to arbitrarily impose fees with no caps upon the closure of the HELOC. 7 ) The bank provided irrelevant escrow documents to answer my complaint. Instead, it should explain the terms/condition in the HELOC account agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and XXXX still turns me down what do they need a perfect score cra violation for reason and hippa XXXX has XXXX up my report totally this need to be corrected right away
Product: Credit reporting or other personal consumer reports

I would like to get a few names and addresses removed from my credit profile. I have uploaded documents to prove my correct name and address.
Product: Checking or savings account

I signed up for this Regions account specifically because they were offering a {$200.00} sign up bonus and they are currently still offering this bonus for new sign ups. I read the terms & conditions and made sure to follow them. They delayed shipment of my debit card for nearly 8 weeks, whether that is their fault or the XXXX is impossible for me to know. What I do know is I activated the debit card the very same day I received it and used it the required number of times to make sure I fulfilled the bonus requirements. 

I sent a secure message to Regions asking when to expect my promotional offer to be credited to my account and they said I failed to meet the debit card requirements. I sent another message explaining the delayed delivery of the debit card and they disabled secure messaging on my account and refused to respond. 

I do not understand the point of false advertising to get me to sign up for a bank account and then creating poor relations with me to not want to bank with Regions any longer instead of treating me fairly and possibly creating a life long banking relationship. They are using deceptive advertising to get people to sign up for bank accounts.
Product: Credit reporting or other personal consumer reports

This account is not mine and are fraudulent. I have submitted a complaint to the FTC, CFPB & my State Attorney General to have this account removed from my credit report. The address they have on file is not my address and I never lived there. This account needs to be removed IMMEDIATELY. Transunion and XXXX XXXX XXXX are in VIOLATION of XXXX5 U.S. Code S 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 an alleged identify theft, no later than 4 business days after the date of receipt. '' It has been MORE THAN 30 days and you are in VIOLATION of this law because I am a victim of identify theft. Please delete these items IMMEDIATELY.