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

On XX/XX/year>, I discovered that I had multiple inaccuracies reported on my credit report by XXXX XXXX XXXX XXXX. This information is incorrect because the date of last payment, past due amount, payment amount, date opened, and high balance were incongruently reported on my credit reports. 

On XX/XX/year>, I sent formal dispute letters to XXXX, Equifax, and XXXX, including reasons to support my claim. The credit reporting agencies have yet to correct the information, which continues to negatively impact my credit score. 

I have also sent formal dispute letters on XX/XX/year>, XX/XX/year>, and XX/XX/year> to investigate and correct these inaccuracies. Over the course of six months, I have yet to receive a response, and this is greatly hurting my credit score. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i : this section describes the procedure for disputing inaccurate information. It requires credit reporting agencies to investigate disputes and correct or delete inaccurate information within a certain time frame. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I was looking at my report and notice there were some things that was not correct. I sent a letter to XXXX but it has been more than 35 days since the credit bureaus haven't responded. That a violation of 15 USC 1681 ( a ) ( 1 ) ( A ) Under 15 USC 1681i ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained 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 reinvestigation 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: Debt collection

Unlicensed Debt Collection by XXXX XXXX XXXX XXXX i wish to report XXXX XXXX XXXX XXXX 's unauthorized debt collection attempts within New Jersey. 

- On XX/XX/2023, XXXX XXXX XXXX XXXX attempted to collect a debt from me. 
- XXXX revealed that XXXX XXXX XXXX XXXX lacks the required licensing to collect debts in New Jersey. 
- Despite lacking proper authorization, XXXX XXXX XXXX XXXX continued their collection efforts. 
- I formally lodged a complaint with the Consumer Financial Protection Bureau, providing evidence of their unlicensed status and continued collection attempts. 

I urge the Consumer Financial Protection Bureau to investigate XXXX XXXX XXXX XXXX 's unlicensed debt collection activities and enforce regulations to protect consumers from such unauthorized practices. 

i would like {$1000.00} per violation to the address on file
Product: Credit reporting or other personal consumer reports

I'm a casualty of fraud. I'm writing to demand that you block the accompanying fake data from my credit report. I'm currently applying for another advance and these blunders are causing an issue with my XXXX ratings detailing appropriately, so any assist you with canning give me with refreshing this data at the earliest opportunity would be incredibly valuable. We are hoping to purchase a house. If it's not too much trouble, help
Product: Checking or savings account

XX/XX/2019 yesterday are car wouldnt start I tried to get to the bank and when I was able to get there the atm wouldnt accept the money I Kept spiting the money back out saying it couldnt read the {$20.00} I put in it so today XX/XX/XXXX I wake up to 3 {$34.00} insufficient fees thats crazy Im on low income I cant pay back amount {$100.00} this bank doesnt Care that our car had a dead battery Im promise Im leaving this bank
Product: Credit card

I am in a debt payoff program with chance after a major life change and they have consistently returned payments and just not pulled them. Every time I try to pay they have trouble with adding the accounts. I never had issues with them pulling money and applying to the card before only after reaching an agreement with them. They did not adjust the final payment date to the constant issues with them and they still are having issues pulling money from my accounts. I even opened up a new account elsewhere to pay them and still the payment has not come out - even after confirming the account to them. They constantly try and drag my payments or not accept them.im tired of constantly waiting time calling in and trying for hours to make a payment. Ive called my banks and asked if they ever got an attempt for Chase to withdraw payment and they state that chase only attempted the successful payment and DID NOT attempt any further payments. I tired to pay several times while on the phone with chase and they would not process payment.
Product: Bank account or service

Im XXXX years old high school student. I have Checking account with US bank. 
In end of XXXX I started to work in XXXX. My employer asked me to fill the form for direct deposit that required routing number and the bank account information. I brought an empty check on the next day, the check was in my wallet so I can provide this information. Unfortunately on that day I lost my wallet at my employer location. I contacted my bank to cancel my credit and debit cards. But in few days I learned that person by name XXXX XXXX used my check with fake signature to withdraw money from my checking account. The money was wiz drawn in different bank at XXXX XXXX location. The check was in amount of XXXX dollars. I filed police report by XXXX County Sheriff Office and filed fraud case number XXXX with US Bank. After 3 months of waiting I received the following response : US Bank has completed the investigation of claimed fraud on the above account. We regret to inform you that it has been denied for the following reasons 1. Customer Negligence Contributing to Alteration or Forgery 2. Customer Liability under " Security '' section of the Deposit Account Agreement I think in this specific case bank also was negligence as the money was distributed based on faked signature, clearly different from my own. In addition bank does n't provide any instrumentation to limit amount that can be withdrawn by the check or capability to disallow over draft. Based on that I do think that I entitled in complete money refund. The XXXX dollars that I lost on my account is a significant amount of money in my current situation. 
Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, and as a result, unauthorized accounts have been added to my credit report. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following accounts be blocked and deleted from my credit file. 
Accounts to be Blocked and Deleted : XXXX. XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$15000.00} XXXX. XXXX  XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$6600.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$7000.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$18000.00} XXXX. XXXX XXXX  Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$11000.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$21000.00} XXXX. XXXX XXXX  Account Number : XXXX Date : XX/XX/XXXX Amount : {$21000.00}
Product: Debt collection

This debt is from a company that I have disputed in the past and they are still trying to collect. They have called me every single day if not every other and left voicemails harassing me to pay the debt back and call them back or further action will be pursued. They somehow got my family members phone numbers and call them telling them that I need to call them. They somehow got my girlfriend 's phone number and call them and told her that I have debt and they need to have me call them as well. Their tactics at XXXX XXXX in XXXX New York seem to be illegal and harassing. Security Credit systems at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX phone number XXXX. They are very threatening and invasive for who they are calling. I don't even understand how they were able to get my brothers and sisters phone numbers and other family members including my girlfriend just to harass me about this debt
Product: Credit card

I paid {$1100.00} to my XXXX credit card ( {$2000.00} limit ) which is owned by citibank on the XXXX and i am being told the money will not reflect in my account till the XXXXXXXX XXXX XXXXXXXX. I have had this card for years so I do not see why citibank will decide to just hold my money for no reason. My XXXX gas card has available balance of - {$23.00} at the moment even though I just paid XXXX using accounts I have used to make payments before so I don't get what you're verifying if all the accounts bear my name.
Product: Credit reporting or other personal consumer reports

I found a Bankruptcy listed on my report. I contacted the US Bankruptcy Court in XXXX XXXX and received the following information. " The U.S. Bankruptcy Court does not report, furnish, and/or transmit Bankruptcy Court records or other information to the credit reporting agencies. '' I contacted the County Recorder and they repeatedly confirmed that they DO NOT provide any information to XXXX, XXXX, or Experian, or XXXX XXXX, nor do they ever validate or confirm information regarding cases from the public record. As I have disputed this information in the past and requested reinvestigation, I have reason to believe and do so believe that if the CRA can not VALIDATE the information with the original creditor, they must remove it. 
I believe the information provided to me by the Courts to be factual, giving me reason to believe and do believe it would be impossible for ANY CRA to obtain verification of ANY Bankruptcy accounts reported on my credit report through physical verification of the original signed consumer contract and/or judgment. I have a constitutional right to be left alone, and I have due process rights and privacy rights that have definitely been violated. U.S. Supreme Court decided in Carpenter v. United States, that I have a reasonable expectation of privacy in the whole of my physical movements, including movements in public. As the CRAs are profiting off of the dissemination of this misinformation that violates my privacy and could never be verified/validated/confirmed accurate, they have gained, to my detriment, creating a substantial moral hazard and injured me by causing an interference with my ability to engage in commerce.
Product: Credit card or prepaid card

I have American Express cards. As a consumer, I have found that cable TV providers and other commercial actors often try to lull me into inadvertently signing up for recurring charges. I have tried to search my American Express accounts online to identify all my recurring charges, so that I can regularly look at a list of them and weed out the ones I don't want or didn't know I had acquired. American Express has no such search option. They told me to look through successive monthly statements on my own, and see for myself if certain charges recur. 

XXXX! I am sure they can provide such a search function with ease. They should be made to do so. There are more and more commercial actors defrauding consumers for dollars and pennies at a time, by imposing unwanted recurring charges. Credit card companies should be compelled to take the consumer 's side in this fight, and give us a way to screen our online statements for recurring charges. See, e.g., the way the website XXXX operates.
Product: Credit reporting, credit repair services, or other personal consumer reports

A hard inquirer to credit company by Citibank on me XXXX XXXX with out my knowledge and my permission. This hard inquirer lowed my total credit score.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several accounts that l believe to be fraudulent and have negatively impacted my credit report.

Below is a detailed list of the accounts in question : I recently reviewed my credit report and discovered several unauthorized inquiries that appear to be the result of identity theft. These inquiries are negatively impacting my credit as I am in the process of buying a home. Please remove the following accounts from my report : XXXX XXXX  ACCOUNT NUMBER XXXX, XXXX. XXXX XXXX ACCOUNT NUMBER XXXX, XXXX XXXX ACCOUNT NUMBER XXXX, XXXX XXXX XXXX  ACCOUNT NUMBER XXXX, XXXX XXXX XXXX ACCOUNT NUMBER XXXX, XXXX XXXX XXXXXXXX ACCOUNT NUMBER XXXX. I have not authorized any transactions or accounts with these institutions, and I believe these entries are the result of identity theft or fraud. I kindly request an investigation into these accounts and the removal of any fraudulent entries from my credit report. ese accounts and their immediate removal from my credit report. I have attached a copy of the FTC report as well as my ID etc.
Product: Credit card

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Against American Express Unjust Account Closures Without Explanation To Whom It May Concern, I am filing a formal complaint against American Express regarding the abrupt and unjustified closure of all my credit card accounts without notice, explanation, or due process. Despite having a spotless payment history, never having a late or returned payment, and recently receiving unsolicited credit limit increasesincluding one from {$8000.00} to {$12000.00} and another Pay Over Time limit raised to $ XXXXAmerican Express decided to terminate its entire relationship with me in an unprofessional and discourteous manner.

I was contacted by an American Express representative who coldly informed me that all my accounts were closed due to reasons adherent to card agreements. However, when I pressed for specifics, I was met with vague deflections. No one was ableor willingto explain exactly why my accounts were closed, nor was I given the opportunity to escalate the matter to a supervisor. This level of customer service is unacceptable for a financial institution that prides itself on member relationships.

Adding to my concerns, I have previously been a victim of identity theft where someone fraudulently signed housing leases and opened bank accounts in my name without my knowledge. Given my clean payment history with American Express, it is imperative that I receive a precise reason for these closures, especially considering that I have diligently maintained my accounts in good standing.

This action by American Express has caused unnecessary financial and reputational harm, and I demand a full investigation into their reasoning for this termination. I also request a formal, detailed explanation in writing from American Express, outlining the exact clause in their agreement that warranted this action. Furthermore, I urge the CFPB to investigate whether American Express is engaging in unfair or deceptive business practices by closing accounts without proper justification.

I expect a prompt response from both the CFPB and American Express regarding this matter. Please advise on the next steps I can take to ensure I receive the transparency and fairness I deserve as a responsible consumer. 

Sincerely, XXXX XXXX
Product: Debt collection

Congress Collection has reported to my credit that i have unpaid. as soon as i received a letter from them only stating they were attempting to collect a debt, i submitted that to my attorney who stated they needed to provide documentation within 30 days. over 90 have gone by and i have not received anything from congress collection. no phone calls or letters. i requested proof of validation and by them not submitting it within 30 days and then reporting me to my credit bureau is a violation of the law. this has damaged my credit score at a time i can not have it damaged. i need immediate assistance in the matter as i am attempting to get a mortgage and with this illegal reporting affecting my score i am unable to.
Product: Payday loan, title loan, or personal loan

In XX/XX/XXXX I took out a loan from advance America. The process is handled by providing paper check for the total amount borrowed that they hold until the balance loaned is repaid. I paid off my loan per request in person. The full amount of the original loan without deduction of any payments was still drafted from my checking account two years later! On XX/XX/XXXX. The back story being due to employee error ( or theft ) I was not charged the proper interest amount to pay off my loan in full despite being told all payments had been completed and a 2 year gap. Advance America contact and harassed me repeatedly starting in XX/XX/XXXX once they found the employee error requesting that I pay back the missed interest on my own accorded. ( a sum of roughly XXXX ) I declined on every occasion and explained what happen and that I shouldnt be found at fault for employee error 2 years later. I honestly believe this was a case of employee theft were the payment may have not been applied or missed applied to the loan. Today I viewed my account to see that it was drafted illegally. I have contacted my bank to report fraud and plan to peruse every avenue I can against them.
Product: Credit reporting or other personal consumer reports

Attempted find out information about an account from XXXX that was reported as delinquent. When attempting to obtain information electronically there does not appear to be any account with Jefferson Capital Systems indicating that I actually have any kind of collection with them.
Product: Vehicle loan or lease

On XX/XX/XXXX I was pre- approved for the financing of a XXXX XXXX XXXX through Navy Federal . We picked up the car on XX/XX/XXXX The car was returned the next day due to multiple " Drip Rags '' holding the XXXX XXXX ''. The car had multiple safety issues. I was within the XXXX Recession Period to return the car. The car was returned to the owner, XXXX XXXX, in XXXX, NC. Navy Federal assured me that once the Consumer Loan Indemnity Agreement/Declaration at Loss paper was signed the obligations of the loan would be terminated ; since we returned the car within the 3 Day Recession period. The Declaration was signed and faxed on XX/XX/XXXX. Later, XXXX of XXXX, I tried to acquire another loan I was denied. I tried in XXXX, XXXX and XXXX of XXXX to get loans. I was denied. I didn't know then, what I know now... Under 15 USC 1691, " It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction. I challenged the action by under Adverse Action and was still DENIED. I realized today. That the account remained opened and the Promissory Note remained active was collected by Navy Federal through the Federal Reserve. ( Based on Moore vs. Alliance Credit- Navy Federal knew that their actions during this transaction was completely Fraudulent. )
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously disputed this public record with TransUnion, I dont recognize this public record. Please send me PROOF FROM THE COURT OF THIS PUBLIC RECORD, I DONT AGREE WITH THE RESULTS OF YOUR INVESTIGATION. PLEASE MAIL ME PROOF OF YOUR INVESTIGATION AND VERIFICATION OF THIS RECORD FROM THE COURT, OR DELETE THIS PUBLIC RECORD. TO DATE TRANSUNION HAS FAILED TO DO SO, TRANSUNION IS IN VIOLATION OF 15 U.S. CODE 1681 s- 2 ( b ) I have provided proof from the court that TransUnion failed to investigate the following account : Account Name : XXXX BANKRUPTCY/ Docket Number : XXXX. IN FACT THE DOCKET NUMBER TRANSUNION PROVIDED IS INVALID XXXX DOES NOT EXIST.
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. 

XX/XX/2022 XXXXXXXX XXXX XXXX XXXX  XXXXXXXX XXXX  XXXX XXXX XXXX, XXXX, VA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX A XX/XX/2022 XXXX XXXX XXXX XXXX XXXXXXXX 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 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. 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

There are errors in my credit file involving unauthorized hard pulls that I did not consent to. Kindly remove them under the guidelines of 15 USC 16c-2.
Product: Mortgage

I became 100 % XXXX rating with the Veterans Affairs and am now property tax exempt. I submitted all required paperwork to have my mortgage loan adjusted accordingly. Once doing so, I was advised that it would take 5 business days for an escrow analysis to be completed. Once completed an escrow refund was to be sent. It has been two months with no resolution. I have called countless times, spoke to countless employees and supervisors and each one gives me false information or countless excuses. I was advised not to pay this months mortgage due to these funds being adjusted, it is now late and have a missed payment. Please help me get my funds returned to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX XXXX XXXX Pursuant to 15 USC 1692c. ( c ) ( 2 ). Am invoking my specified remedy as a consumer, and I demand Transunion to obey the law and remove PRIVATE INFORMATION from my consumer credit file. Pursuant to USC 1681 ( a ) ( 4 ). A consumer has a RIGHT to privacy. I hasn't sent proof of this illegal action as well as exhibits. Govern yourselves accordingly.
Product: Payday loan, title loan, personal loan, or advance loan

My quick wallet continues to keep my Account and debit information on file and is set to charge my account on XX/XX/year>. Even after they stated here they have acknowledged my withdrawal of authorization