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

Equifax Failed to Investigate My Dispute FCRA Violation Complaint I mailed a dispute letter to Equifax on XX/XX/year>, challenging inaccurate and duplicate accounts on my credit report. I also sent the same dispute to XXXX and XXXX, and both processed it. However, Equifax falsely claims that they never received my dispute, which is not true. 

Under FCRA XXXX ( a ) ( XXXX ) ( A ), Equifax is legally required to conduct a reasonable reinvestigation and respond to my dispute within XXXX days. Their failure to acknowledge or investigate my dispute is a direct violation of the FCRA. Furthermore, continuing to report inaccurate information without an investigation violates FCRA XXXX ( b ), which requires credit bureaus to ensure maximum possible accuracy in consumer reports. 

Equifaxs failure to act has caused financial harm, including credit denials and higher interest rates, as well as unnecessary stress and emotional burden from dealing with their noncompliance. I have spent valuable time and effort trying to resolve this issue But equifax has ignored my legal rights and responsibilities under the FCRA.
Product: Checking or savings account

I have had an account with chime for years. I have used strictly for personal transactions, direct deposits from work, and day to day banking. 

On XX/XX/XXXX I was told my account would be closed but was given no information or reason. I suspect it is due to a recent dispute I initiated. I dont believe this is a violation of any type. I believe my financial institution should be able to advocate for me in instances where I have been wrongly charged, not refunded, or did not receive a service or item I purchased. 

I reached out to ask for a reason for the closure and to inform them that my dispute has not been resolved and I would appreciate a resolution before any account closure. I received no response. 

I think my account was wrongfully closed and Chime has been unable to point out any policy violations I committed.
Product: Credit reporting or other personal consumer reports

I am reaching out because I discovered inquiries from your company on my credit report that I did not authorize.
Product: Debt collection

I have been getting harassed while at my home of residence from numerous amount of different people bringing paper documents and being aggressively toward me. I have installed cameras they come any day any time.BMG money loan I have paid in full numerous balances in past I didnt want any more loans they stated I replied to more than advised which was not correct so I guess a court action of a collection company taking toward in which this balance asking for is way more than they stated I owed but I will not sign something to satisfy there needs. I have not received funds there inquiring about. The Apr was 35 % more on top of what I paid so I would never pay it off this was a manipulation to get me to stay with them. I am not obligated to consider a new loan please be advised I want to heard and live in peace Im goin threw emotional break down because of this. I asked XXXX  to step in they did nothing so can u have someone help my situation please. They are using XXXX XXXX as a person to come knocking on my door
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  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 card or prepaid card

I was sent an unrequested credit card ( XXXX XXXX from Capital One. Upon checking with XXXX, Capital One inquired my credit report on XXXX XXXX, XXXX ; I received the unrequested card on XXXX XXXX, XXXX. I have NOT contacted Capital One since a phone call may inadvertently " activate '' such card which I do NOT want.
Product: Credit reporting

When I applied online with Equifax , XXXX of the security questions was : Do you possess any of the following bank cards? ... and XXXX of the multiple choice options was a name that was XXXX. not a recognizable name of a bank card. None of the other options was a card in my possession, so I answered " none of the above. '' I suspect as a result, since I 'm sure I answered all the other questions correctly, Equifax rejected my online application and required a mail-in form. This is very inconvenient and time consuming. I think they should not use XXXX names, and they should give the reason why I failed the security test.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2200.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

At this time, I respectfully request a copy of my XXXX, XXXX  and Trans Union credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, FL XXXX. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting inaccurate information in regards to debt I do not owe them and is in violation of the Privacy Act of 1974 and the Fair Credit Report Act. The FCRA states that consumer reporting agencies are responsible for respecting a consumer 's privacy in regards to non-public personal information. Additionally, any information reported must be with the consumers WRITTEN CONSENT per 15 USC 1681 section 604 ( a ) section 2 and the information MUST BE ACCURATE. I have NOT provided XXXXXXXX XXXX XXXX ANY written consent to publish my information. XXXX XXXX XXXX is in violation of 15 USC 1681 b and c because they are improperly using my consumer report and not meeting information requirement standards in regards to adverse information. In fact XXXX XXXX XXXX is committing identity theft as defined by 12 CFR 1022.3 because they are using my personal information without authority to do so or my consent. By using my personal information without my written consent they are in violation of 5 USC 552a. I have no contract with them and I have never done business with them. I did contact them requesting information to validate the accounts, and provide the original contracts and they have not done so. I have also received notices from 3rd parties which claim to have gotten my information from XXXX XXXX XXXX which is another violation of 15 USC 1681. XXXX XXXX XXXX reports information on accounts XXXX and XXXX I cant verify to XXXX, XXXX, and Equifax because they have reported inconsistent data across all 3 of these reporting agencies. I have never paid them anything ( because I do not owe them ) yet they have reported I made a payment on XX/XX/XXXX and that my account is both open and closed. They have been reporting inaccurate information since XX/XX/XXXX and are in violation of 12 CFR 1016.1 as I have received NO OPT out notices. These discrepancies also show that XXXX, Equifax, and XXXX are in violation of 15 USC 1681e compliance procedures which requires them to verify information and ensure information reported is accurate. Any and all consent to Equifax, XXXX, and XXXX in regards to these accounts whether verbal, non-verbal, written, implied or otherwise is revoked. Lastly, XXXX XXXX XXXX is attempting to collect a debt I do not owe them and on accounts that have been charged off by the original creditor ( XXXX ) Per the IRS charge offs ( the debt associated with those accounts ) are defined as income and income does not get reported on a consumer report. 
XXXX XXXX XXXX, XXXX, Equifax, and XXXX are 3rd parties reporting inaccurate information on my consumer credit report. This problem must be addressed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Consumer XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : Driver 's License ID Number : XXXX Address : XXXX Winding XXXX XXXX XXXX XXXX Tx XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX XXXX  ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # XXXX Bank : XXXX XXXX  ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request. 


Thank you for your assistance. 
Sincerely, XXXX XXXX
Product: Bank account or service

Dear Sir/Madam : This is letter in reference to my denied credit card application with NFCU due to the status of my checking account. 
On XX/XX/2016, I applied for a credit card with NFCU via telephone. During the application process, I asked the female customer service representative which credit reporting agency does NFCU use and her response, " XXXX ''. 

Recently, I checked my credit report as I often due when applying for credit, and I noticed NFCU never pulled my credit. I received a letter of denial, stating Extenuating Factors Exist Regarding Your NFCU Account ( S ). ( Primary ). 

On XX/XX/2016, I contact NFCU about the denial letter and asked XXXX, the customer service representative. " How was I denied when my credit was never pulled? What was the purpose of the application process? '' The CSR response, " I see you have a garnishment on your account '' and that 's the reason for the denial ''. My response, " I should 've been told this before the process of the application because this is misleading the member. So, I waited over one week for a response when you 'll never pulled my credit and already knew that I was n't going to be approved ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN PREVIOUS COMPLAINT REGARDING USAA FEDERAL SAVINGS BANK ( FSB ),  THEY ALLEGED THAT THE ( FSB ) DID NOT RECEIVE SUPPORTING DOCUMENTS TO DISPUTE A CLAIM OF AN OUTSTANDING BALANCE OF THE ACCOUNT IN QUESTION. I HAVE ATTACHED MY BANKING STATEMENT FOR THE AMOUNT OF {$490.00} DATED XXXX XXXX,2011. AGAIN, MY PERSONAL BANKING STATEMENTS WILL CONTINUE TO SHOW THE {$490.00} AS WELL AS THE {$7700.00} WHICH REPRESENTED THE PAYOFF OF THE LOAN. ALSO, THE CONFIRMATION FROM MY PERSONAL BANK AS STATED IN THE ( FSB ) RESPONSE.
Product: Debt collection

Pursuant to FCRA Section 605B it is illegal to report any information on my credit report without my permission. Please remove this item from my credit report. Thank you!

Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4100.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$8600.00} XXXX XXXXXXXX XXXX Balance : {$4000.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance XXXX {$230.00} XXXX XXXX XXXX XXXX XX/XX/2020
Product: Credit card or prepaid card

XXXX pulled a bait and switch. I was approved for the XXXX XXXX XXXX XXXX XXXX on XXXX XXXX. At that time, their website stated this verbatim : " Earn up to 90,000 bonus pointsenough for up to 12 free nights at participating properties. Earn 60,000 bonus points after spending {$1000.00} on purchases in the first 90 days, plus earn an additional 30,000 bonus points after spending a total of {$2000.00} in the first 6 months. Free nights can require up to 30,000 points per bedroom at participating properties and are subject to availability. Resort fees may apply and can not be paid with points.2,3 '' I've only been given XXXX bonus points ( on XXXX XXXX ) despite meeting the spend requirements within the time frame allowed. XXXX points is the current offer on their website. Their poor customer support has been clueless about this, in fact I had to explain what a sign-up bonus was. I filed a claim, however they said it would take up to two billing cycles to resolve, which seems ridiculous to take this long.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account listed on my credit report  XXXX   XXXX  that 's suppose to be closed it 's closed on my other  XXXX  credit reporting agencies reports. Its been closed and charged off since  XXXX   2016
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern regarding Zelle handling disputes particularly in light of cfpd lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me me that recovering lost funds when impossible and that tracking these transactions was infeasible the CFBPS findings indicate that Zelle has not only neglected to protect consumers but has not only neglected to protect the consumers but has exploited the system leaving user vulnerable to scams
Product: Credit card or prepaid card

I received a credit card statement from XXXX XXXX with a balance of {$860.00}. I did not open a credit card account with XXXX XXXX. I have never had a credit card with XXXX XXXX. I believe I am a victim of fraud! I called XXXX XXXX this morning as was told to file a complaint with FTC. XXXX XXXX stated filing a complaint is the process I need to go through to rectify the situation. Please help!
Product: Checking or savings account

I applied to open an account at BMO Harris on XX/XX/2020. At the time of my application, I signed up using a promotional code that promised a bonus upon the completion of certain requirements. These requirements can be found here : https : //www1.bmoharris.com/api/us-banking/secure-message/customer/conversations/5f7b536c7324033affe4ad04/attachments? url=7C7769BA-D9AE-4DD0-B0D4-3CE580A376C7 & type=pdf & filename=promo031820 My account was not initially opened, as they needed to verify my address. However, after I sent in my verification documents, my account was opened. However, this occurred after XX/XX/2020, which was the last day of the promotional period. Therefore, BMO Harris is now claiming that the promotional code that I applied is not applicable and that I am no longer eligible for the bonus.

I have already started the process of completing the bonus by changing my paycheck direct deposit to BMO Harris and depositing the required amounts for the Money Market bonus. I believe I am eligible for this bonus because I completed my application within the promotional period, the fact that BMO Harris couldn't verify my information is not my fault. My account should not have been opened if I wasn't going to be eligible for the promotion and it should have been clearly stated that I wouldn't receive the bonus BEFORE the account was opened.

I have reached out to BMO Harris numerous times and they confirm that I am not eligible for the bonus and they could only retroactively apply the promotion if there was an error on BMO Harris ' end, which they are claiming there is not. I believe there is.
Product: Debt collection

i see so many i can't described none of them because their not belong to me
Product: Credit card or prepaid card

On XX/XX/2022 I used my credit card to make a deposit for handy work for my house for {$1000.00} on my Chase Marriott Reward Card. I received a fraud alert from Chase Marriott that they did not process the charge. I was instructed to have the vendor resubmit the charge if it was not fraud. Although they instructed me to resubmit the charge, the charge went through three times. I immediately called them to reverse the two charges, which they did on the same day. After Chase did their investigation, they claimed that two of the charges were legitimate and posted back the second charge. The summary is that I was charged three times for {$1000.00} and they only credited {$1000.00}. Therefore I have been over charged by {$1000.00}. The vendor used XXXX and claims that they never received the second or third payment. They rebilled the {$1000.00} on XXXX XXXX. I called Chase to complain, and they instructed me to appeal. On XX/XX/XXXX I faxed them a letter documenting what occurred. On XX/XX/XXXX I received a letter from Chase stating my charge was valid. They ignored all the documentation I sent them in regard to the triple charge, only one reversal. I called them and they instructed me to appeal. On XX/XX/XXXX, I faxed them a second letter to open the dispute. I carefully documented what happened and gave them a copy of their fraud alert which started the whole over charging. On XX/XX/XXXX, I received a letter stating that the charge of {$1000.00} was valid. I just don't understand if you see three charges on the same day for the same amount and you dispute two of them, why they would not reverse two charges. I am looking for relief here as {$1000.00} is not an insignificant amount of money and I am a victim here.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX and UNITED AUTO CREDIT C did not update my monthly payment yet. XX/XX/2021, XX/XX/2021 paid every month. Based on recent payments, the balance of bridge crest should be less than XXXX dollars and the balance of United Auto Credit should be less than XXXX dollars. 
The best payment history. I try to buy home ( FHA XXXX XXXX home owner ) for my kids, XXXX XXXX  XXXX  and UNITED AUTO CREDIT C should update my monthly payment as soon as possible.