23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Product: Credit reporting or other personal consumer reports

I have submtted written requests with all XXXX  credit bureaus regarding XXXX addresses I have never lived at. There was never any update and when I spoke to the representatives, they all said that they can no longer investigate and or remove.
Product: Debt collection

Reporting inaccurate and misleading information, I have no contract with this company
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently opened a credit builder account to improve credit. My credit builder account was closed and I did not authorize for my credit builder account to be closed. I now have unwanted inquiries on my credit due to this fraudulent mistake. My credit was on its way to being a XXXX I would like my credit score back to its original standing before this took place.
Product: Debt collection

I have sent several dispute letters and hired credit repair companies they are trying to collect {$420.00} on a secured credit card that I had gave them a security deposit of {$300.00} so the balance should only be {$120.00} they never applied the {$300.00} security deposit.
Product: Credit reporting

XXXX rendered on XXXX/XXXX/2016 - it has now been almost a year. The hospital fraudulently billed. My insurance company paid the bill, the hospital billed me for the copay/balance - which was also incorrect. The hospital then sent the bill to collections. I notified the hospital & insurance company in XXXX 2016 that the bill was incorrect. 
I have maintained contact with hospital & insurance company and have been attempting to resolve the issue. In XXXX 2016, my credit score was XXXX, currently it is XXXX and continues to drop over {$100.00}.
Product: Credit card

I keep getting junk mail from them. I called every number I could find and either cant reach a human or am told its the wrong department.
Product: Credit reporting, credit repair services, or other personal consumer reports

This car loan was reported fraud and was removed from my credit on all 3 credit files. Now It's back? This was dealt with in XXXX. It's now XXXX and still on my file. I had gotten a police report for fraudulent activity.
Product: Payday loan, title loan, personal loan, or advance loan

I requested a XXXX XXXX plan due to my XXXX XXXX & XXXX XXXXThe original Loan was {$300.00}. I have paid over {$600.00} already & now I have XXXX XXXX due to my XXXX XXXX. 

I was told I had to pay {$310.00} more by XX/XX/year> or there would be another {$310.00} etc.
Product: Credit card or prepaid card

On or about XX/XX/22 received marketing call from Chase offering a 0 % APR credit card. The caller said I could transfer my Chase Amazon balance of about {$3500.00}. I asked how much the fee was. He said " XXXX XXXX ''. Someone else might not have asked more questions- the fee was {$990.00}. Usurious fees and misleading presentation.
Product: Checking or savings account

On XX/XX/2023 I went to Wells Fargo on XXXX XXXX here in XXXX Alabama, I had construction workers at my home wanting their pay for services they provided to my home. I went into the bank to cash my insurance check of less than XXXX dollars, I presented the chech asked to cash it, endorsed the check, and after waiting forabout 5 minutes the teller came back to me and said that they can not cash my check, when asked why she just said, that i could deposit it and they would have to hold it for several days, I then asked why, when the check was from Alabama and also cashier check from a local bank right here in XXXX, Alabama, she went on to say, that the bank will not cash my check due to the way I handle my account. She walked off and refused to explain it, soI was upset and asked to speak with the bank manager, the bank clerk at the desk told me that the managers were in a meeting and it would be hours before they got out. With everyone looking at me as if I had committed a crime, in shame, I walked out of the bank. As I reach the step with tears in my eyes I somehow XXXX XXXX XXXX. The emotional pain was truly overwhelming. I called the cooperate office and mad a complaint. The claim number is XXXX, On today i call and spoke with a young man and i was told that they sent me a letter of apology through my email, which I still have not received. I was unable to walk due to swelling of my ankle, and the fact that this is not the first time my a check was held for no reason and issues of transaction overdrafts for no earthly reason, I feel that Wells Fargo acted out disregard for me as a customer and used racist tactics to not honor my check. I should be compensated for my pain, embarrassment, and violation of my banking contract
Product: Credit reporting or other personal consumer reports

Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 61XXXX - Civil Liability for XXXX XXXX FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just applied for a refi for my house and I got rejected because they said I have a 30 late payment on my mortgage. I was on a Forbearance Plan with XXXX from XX/XX/2019 to XX/XX/2019 because the President XXXX   the XXXX   without pay. XXXX XXXX XXXX XXXX took over the loan on or around XXXX and started a Loss Mitigation Home Modification process. I was making monthly payments and catch up payments while they considered the modification. I just talk to a rep at XXXX and she pulled my account and said there were no missed payments and it should be corrected on there end after XX/XX/XXXX. She put notes on my account and admitted my paperwork from XXXX didn't get transfer over correctly to XXXX. I was not late on XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out XX/XX/2023 to XXXX XXXXXXXX, & equifax. However it has been more than 30 days and the credit bureaus failed to send my investigation back. This is not making sense. 

According to the law 15 U.S. Code 1681i- procedure in case of disputed accuracy. If the completeness or accuracy of any item of information conatined in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Checking or savings account

i previously contacted the bank to reconsider my claim due to being XXXX  at the time of incident all my information had been stolen and used in identity theft. u explained to bank and a week later the have same denial.
Product: Checking or savings account

In XX/XX/2020, I received a solicitation from Capital One about its 360 Performance Savings account. As a longtime customer of Cap One 360, I found it to be compelling. It was my understanding, if I opened a new account with new money ( not from other Cap One accounts ) of {$50000.00} or more and left the funds in place for at least 90 days, I would receive a bonus of {$500.00}. I opened and funded that account on XX/XX/2020. 

In XX/XX/2020, I contacted Cap One by phone to see when I would receive the bonus. The advisor told me it would be up to 60 days after my account was open for 90 days. I determined that to be roughly mid-XXXX. 

In early XXXX, I wrote a letter inquiring about my bonus. On XX/XX/XXXX, I received an email asking me to call. I called that afternoon and was told I wasnt eligible for the bonus because I wasnt a new-to-Capital One customer when I opened it. I told the advisor I would close my accounts. He asked if he could help with it. I told him no, concluded the call and immediately transferred my savings with Cap One to another bank.
Product: Credit reporting or other personal consumer reports

XXXX and Experian reporting inaccurate and information about my bankruptcy. I respectfully request the CFPB to : Conduct a thorough investigation into the practices of XXXX and Experian, particularly focusing on how they obtained and reported my bankruptcy information without it being furnished by the State of Virginia, in clear violation of FCRA guidelines. 
Compel XXXX and Experian to immediately correct the inaccurate bankruptcy information on my credit report, to comply with all applicable laws and regulations, and to take necessary actions to prevent such incidents in the future. 
Provide guidance or assistance to me regarding any further actions I should take to rectify this situation, protect my rights, and ensure such inaccuracies do not recur. 

I have a letter from the state of Virginia stating they did not furnish my bankruptcy to the CRA 's XXXX and Experian. 
Given the significant discrepancies in the reporting of my credit information, with XXXX not reporting the bankruptcy which XXXX and Experian have inaccurately listed, I request the following actions to be taken immediately. 

Delete the bankruptcy from my credit report and file.
Product: Credit reporting, credit repair services, or other personal consumer reports

In according with the fair credit reporting act XXXX XXXX XXXXXXXX XXXX account XXXX : XXXX has violated my rights. 15 U.S.C. 1681 Section 602 ( A ) states I have a right to privacy. 15 U.S.C. Section 604 ( A ) Section 2 states consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1666 ( B ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I opened this account in XX/XX/XXXX. I paid in full and requested by phone to close credit card account. Due to incorrect billing by XXXX. Experian is reporting XXXX late payments on this closed account as of XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

This account has been reported to the consumer reporting agencies inaccurately and incorrectly. 

This account is income that is reported on my tax return and is an invasion of my privacy and has no business being reported. 

According to the IRS PUBLICATION 4681 charge offs and written off debt is a canceled debt and must be reported as gross or ordinary income on the tax return as 1099-c.

The law states 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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 have contacted this company given them NOTICE that this information is incorrect and inaccurate and shall be deleted with no reinsertion. 

They refuse delete the income reported to the consumer reporting agencies XXXX and XXXX. 

I have attached the IRs publication that proofs this account is income and it shall be DELETED IMMEDIATELY WITH NO REINSERTION OF MY INCOME
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file. 
( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7700.00} ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX.
Product: Credit card or prepaid card

RE : No email notification when a new statement is available I have XXXX credit cards with Chase - one personal and two business. All with the same account information and email address. 
For one of the two business cards I never receive email notifications when a new statement is available online. Moreover, I have been receiving letters from Chase stating that the emails were undeliverable. 
I used to have the same problem with the other business card as well, but somehow I started getting email notifications a month ago. 
My email address on file is correct : it works for transaction alerts, which I receive regularly for all the cards, and for statement notifications for my other Chase cards. 
I notified Chase of the problem on multiple occasions : - Secure message XX/XX/2023 ; the response was that my email address on file was correct and I had to call in because the issue was best dealt with by phone ( sic ). 
- Phone call XX/XX/2023 : I was on the phone over XXXX minutes being transferred from one rep to another ( four total ) and got the runaround from all of them. Tech Support was particularly worthless, literally XXXX me and claiming that there was nothing wrong. 
- Secure message XX/XX/2023 ; the response stated that my email address was correct and that no emails were returned as undeliverable, and that I should call for further help because the issue was best dealt with by phone. 
Sure enough, I continued not to receive email notifications when a new statement was available. Moreover, I just received another letter from Chase dated XX/XX/2023, which states that emails have been undeliverable. 

It is obvious that there is a problem with the Chase system, since my email address on file is correct and is the same for all the cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I filed a complaint against Equifax with the XXXX XXXX XXXX for Georgia. Then on XX/XX/2018 the Georgia XXXX   XXXX XXXX XXXX XXXX XXXX, under the direction of the XXXX  XXXX XXXX 's office notified one " XXXX XXXX '' with Equifax to contact me to resolve a very serious issue. The reference file number for this case is XXXX What this all boils down to is this. 

After the massive hack that Equifax suffered I decided that I wanted Equifax to purge my personal data, especially my social security number from the Equifax database. Not only has XXXX XXXX not contacted me as of today XX/XX/2018 but I did get to speak with a Equifax customer service representative who informed me that Equifax lacks the technology to remove my name from their database. That statement should bring action from both your agency and the Federal Trade Commission for the following reasons : 1. Equifax has been contacted by me and Georgia XXXX  XXXX XXXX XXXX XXXX XXXX to address this issue. Equifax may be worth billions of dollars but, Equifax to the best of my knowledge can not violate my rights to privacy and in this case I have formally requested Equifax purge my data from their database. 

2. When the customer service representative told me on the phone that Equifax does not have the capability to remove me from their database then I sincerely feel the Federal government needs to launch an investigation into Equifax because as someone who has actually designed databases I can assure you that removing a consumer from one 's database and then flagging that person 's record so it is not again populated is a very simple task. The representative from Equifax either lied to me, or Equifax does not have the simple technical capability to manage their own database. 

XXXX XXXX 's business contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX   XXXX Equifax XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX
Product: Credit reporting or other personal consumer reports

XXXX credit union and the National Credit System is not trying to help close this case and take this damaging information off my credit report. I was lied to by these companies and I did nothing wrong. Someone used my information in XX/XX/year> to apply to some sort of deposit iq. Now they are stating I owe them over XXXX in delinquency of debt. I never signed up for this service. It firmly believe I was scammed while XXXX, Virginia. I was also mistreated by my employer and wrongly laid off. I refuse to have this on my report. I was also lied to by the property manager and company who is the Management XXXX XXXX XXXXXXXX XXXX XXXXXXXX in XXXX, Virginia. I reported this situation to the Attorney General there and they did nothing to help resolve this.
Product: Consumer Loan

I purchased a used vehicle from a dealer now out of business. 18 months after purchase car has complete mechanical failure. I called loan company to surrender vehicle and negotiate settlement on acct after they auction it off. Loan company refused to take possession and abandoned with mechanic. Mechanic is now forced to deal with issue. Fear loan co will put this on me even though I surrendered vehicle to them 3 times in 3 days. I do not deny I will owe monies, but expect loan co to try to recoup what they can from car to reduce amount owed. Fear they will not do this because of the effort involved. Mechanic expressed frustration with loan companies lack of professionalism and ethical mannerism.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I attempted to retrieve information from a reporting company i have no knowledge of that reporting a charge off on my credit profile. The company updated my credit report which manipulates the statute of limitations as well as never produced the proof of this alleged debt. Thus violating 15 USC 1692 ( e ) false and misleading representation and 15 USC 1692 ( f ) Unfair practices. XXXX is the company that is violating my rights to privacy under the Privacy Act of 1974 due to not providing the evidence of myself and the company doing any business together and possibly acquiring my personal information illegally. Also, violating federal law 15 USC 1681 not reporting information that is 100 % accurate. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, i can only presume that no proof of the alleged debt or any debt means no debt exists.

Please remove this charge off from my credit report immediately because it is damaging myself and my families well being. 
XXXX charge off.
Product: Debt collection

There are 2 medical collection accounts that were placed on my credit report as of XX/XX/2020. These items were placed on my report without due process ... process to include being notified and given the opportunity to request validation of the alleged debt. 

They allowed me the legal right to request or dispute this information, they just ruined my credit instead. Which is highly embarrassing. I am very distressed that an agency would have included this derogatory information in my credit profile due to its damaging effects.
Product: Checking or savings account

On XX/XX/XXXX XXXX  debited my account twice therefore I disputed with my bank. The next day XXXX  refunded one of the payments. Chase also gave me a credit and reversed one of the payments and stated that the credit would be rescinded On XX/XX/XXXX a chase rep told me an error was made and my money was not going to be returned therefore they said they would do an investigation and refund my money on the XXXX. I called on the XXXX and was told the credit would be applied on the XXXX and to call back claims on that day. When I called back they behaved as if I was lying and tried to not give me my money back. I was hung up on and then ultimately told by a lady from the executive office I can't have my money back unless I let XXXX help me. I explained to her due to FCC regulations she can't hold my money XXXX unless I adhere to her terms. She stated she can because she works closely with the FCC. I explained to her I no longer want to speak to her due to her tone and her demeanor. I spoke to another supervisor who told me nothing will be done and no credit will be issued unless I spoke to these rude women in the executive office. So unless I allow these women to verbally chastise me Chase will not return my money. Please help,