23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

It seems there are some things that missed getting reported on my history that reflected in a positive manner from a company that did a Consumer Report. I made over 50 on-time payments to a leasing company XXXX ( Attached ) who failed to report that factor however they attempted twice to report owed balances that were their own miscalculations. 

I Attached information on the payment history and Government Issued ID for proof of validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HARD INQUIRIES- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions
Product: Credit card

Hi, This is XXXX. I want file an complaint on American Express Credit Card. I received an offer regarding the spending offer for my XXXX ( R ) Business Card ( ending - XXXX ), and here is the offer term : 1 Limited Time Offer : To be eligible to earn the {$50.00} credit statement associated with this offer, you must be the named recipient of this invitation and you must use the Card specified on this invitation ( or an Additional or Employee Card under the Card specified on this invitation ) to make a qualifying purchase* of {$1000.00} or more between XX/XX/XXXX and XX/XX/XXXX ( " Offer Period '' ). Purchases may fall outside the Offer Period in some cases, such as a delay in merchants submitting transactions to us or if the purchase date differs from the date you made the transaction. ( For example, if you buy goods online, the purchase date may be the date the goods are shipped ). In addition, you will not receive the statement credit associated with this offer if American Express does not receive information that identifies your transaction as qualifying for the offer. For example, your transaction will not qualify if the merchant disaggregates or splits the {$1000.00} purchase into smaller transactions. Limit one offer per Card account. This offer may not be combined with any other special offer. The {$50.00} credit statement for this offer will be credited to the XXXX only. You will receive a maximum of a {$50.00} statement credit under this offer. The {$50.00} credit statement will be credited to your account within 6-8 weeks after the qualifying charge appears on your billing statement. 

I spent more than {$1000.00} from XX/XX/XXXX to XX/XX/XXXX, but I have n't received the {$50.00} bonus. I contacted Amex several times regarding this {$50.00} bonus. Every time Amex had a different reason. Even if the CSR said I met the requirement, but still I have n't received the {$50.00} bonus. 
Would some one please help me on this? I do think Amex should be serious to his customers!! 

Thanks, XXXX
Product: Credit card or prepaid card

Chase Freedom Unlimited card sent me multiple emails advertising that if I referred a friend I would be able to receive XXXX dollars per referral up to XXXX dollars. They provided a link in the email and stated if the referred friend used this link to sign up, I would get XXXX dollars. I sent the link to a friend who then signed up for chase unlimited using the link ( this was sent over text message and he still has a copy of this link in his text history ). My friend told me that the process was pretty self explanatory after clicking on the provided link I gave him. I called Chase 2 months later because I had not yet received the XXXX dollar promotion. They told me that my friend had to use the card for 3 months before the promotion could be given to me. I then called back about 2-3 months after that ( 4-5 months after my friend had opened the card ). The woman at Chase told me there was no record that my friend used the link I had provided to sign up for his credit card. She told me the promotion was an automated process so there was nothing she could do to fix it. She told me that my friend must have used the link incorrectly so that is why I did not get the promotion. She said unfortunately I would not get the promotional deal because there was no proof of the referral. 

I attached screen shots of the link that I sent to my friend back in XXXX of 2022. 

The link for the promotion : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion refuses to update my address. I called them on the phone and I have mailed a copy of my current drivers license and they mail things to me at the correct address and yet they will not update it. Their demand for utilities or bank account is impossible, due to XXXX, I am XXXX and do not have a bank account. 


Also, they show a collection for XXXX XXXX that should be removed.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding ongoing issues with the accuracy of my credit reports and the investigation processes of all three major credit bureaus : XXXX, XXXX, and TransUnion. My complaint pertains to the following matters : My credit reports reflect debts that do not belong to me. These debts appear to have been added erroneously or fraudulently, and despite my efforts to dispute them, the bureaus have not resolved the matter appropriately. credit reports contain inaccuracies such as incorrect addresses and name variations. These errors create confusion and raise concerns about potential identity theft or data mishandling. suspect that some of the invalid debts and incorrect information may result from identity theft. I have taken steps to address this issue, including filing a report with the Federal Trade Commission ( FTC ), but the credit bureaus have not provided adequate resolution.My credit reports show random soft inquiries and other activity for which I have not provided consent. While soft inquiries may not affect my credit score, their presence without my authorization is troubling and warrants investigation. have submitted disputes to all three credit bureaus with supporting documentation, yet the responses have been inconsistent, and in some cases, the issues remain unresolved.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I called Chase Bank to report XXXX wire transactions that I did not authorize. XXXX was for {$5000.00} happened on XXXX of XXXX that I did not know about and the other was {$4600.00} on the XXXX of XXXX that had a pending status. First of all, I wanted to stop the {$4600.00} right away because it was still pending and i assumed my account got hacked cause i didn't authorized like i mentioned. The agent that was on the phone with me at that time told me that there was no option for him to stop it right away ; that it need to be complete for him to reverse the money. I was questioning him on why it can't be done since it's pending but all I got was a vague answer that it can't be done right now. He then transferred me to the claim departments to make those XXXX claims which I did. 

After i filed my claims with the new agent, I asked him how come no XXXX flag these transactions for me and verify it with me. If i remember it right, he told me they can't flag a wire transfer. He then assure me to not worry, Chase will investigate and refund the money for me if they have proof that it was fraudulent. I questioned him why do they need to investigate for proofs of fraudulent when I'm calling them right away when I saw that {$4600.00} transaction popped up on my online banking and it was still pending. By me calling them right away telling them that I did not authorized that pending transaction is the solid proof that it was fraudulent. He agreed with me but told me just let the claim department investigate and they will contact me about it. He advised me to go to a branch and close my old account and get a new one since it had been compromised. After i opened a new account and closed out the old XXXX, I received an email from Chase telling me that there is a transaction for {$120.00} on my old account and if I authorized it or not. When I saw that email, I was filled with anger ; they flagged a {$120.00} transaction but not for {$4600.00} and {$5000.00}. 

These XXXX transactions were wired to my XXXX  account and then disappeared to a wallet. I called XXXX  about the incident and they replied that the wallet was a non- custodial wallet and they can't recover the money and I quote " This transaction gave the malicious third party access to the funds held inside your XXXX XXXX ... ..where they do not even need a non-custodial wallets XXXX word seed phrase to infiltrate it. ". 

Chase also denied my claims with " We are denying your claim because we determined that the item ( s ) being disputed were authorized or you received benefit from the item ( s ). We will not reimburse your account. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I saw a late payment on my credit report from XXXX XXXX XXXX that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error and I just would like for it to be corrected. This is reporting correctly on my XXXX, but not reporting correctly on Equifax and XXXX. 

From the picture attached, one can see that XXXX is reporting multiple different account numbers, with incorrect account statuses. 

I demand this be updated to paid as agreed, never late, on time on all 3 credit reporting agencies as this is holding me back from being able to advance in my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiries deleted or updated. These are the items I demanding to be deleted immediately 1. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX XXXX XXXX of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Debt collection

I recently pulled my credit report and noticed they were some debt reported by XXXX/CAPIO that I did not owe or ever heard of or ever had contact with. I contacted the company certified mail asking to validate this debt because its not mine. The company responded with a generic XXXX XXXX print out saying as verification. That is nit verification, if XXXX/ CAPIO does not have any documents with my signature agreeing to pay, they need to remove this debt ( XXXX ACCOUNT # XXXX ) of my credit report immediately. They violated FCRA by not providing me proper validation in regards to this debt.
Product: Money transfer, virtual currency, or money service

Date I sent wire : XXXX XXXX, 2017 Amount sent {$20000.00} Wire transaction # XXXX Fed ID # XXXX XXXX XXXX from XXXX XXXX XXXX in XXXX The told me a few days later it was reversed and sent an email stating so and that I should receive it back in my account with 14 days due to delays. It has been over a month and the money is not in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please see this account is removed from my account. It is fraudulent & is impacting my ability to gain credit. 

XXXX XXXX Date Opened XX/XX/19 XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. " XXXX XXXX and Innovis and XXXX ( XXXX XXXX XXXX ) are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Innovis, XXXX XXXX, and XXXX ( XXXX XXXX XXXX ) I do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Innovis, XXXX XXXX, and XXXX ( XXXX XXXX XXXX ) Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Innovis, XXXX XXXX and XXXX ( XXXX XXXX XXXX ) are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

DPT EDXXXX XXXX Balance Owed : {$1400.00} ; DPTED/XXXX XXXX Balance Owed : {$920.00} ; DPT EDXXXX Balance Owed : {$4200.00} ; DPT ED/XXXX  Balance Owed : {$9100.00} ; XXXX XXXX XXXXBalance Owed : {$19000.00}.
Product: Credit reporting or other personal consumer reports

This will be my second attempt at resolving this issue. I pulled a recent copy of my credit report and noticed two accounts reflecting in accurate information, in the form of late payments ( XXXX and XXXX XXXX XXXX accounts ). Not only have I never been late, but reporting this inaccurate information to profile is in violation of the FCRA. 
According to According to 15 USC 1681i ( 7 ) each credit reporting agency is required to provide me their procedures on concluding any payments were late, which XXXX, Equifax, and XXXX has been unable to do. I've sent letters certified mail requesting this information with No formal response or evidence proving that I have ever been late on these accounts. 
According to 15 USC 1681 ( A ) 2i. The FCRA governs a consumers transactions and experiences from being included and reported to a consumers profile. A late payment is considered a transaction and consumer experience. 
Reporting this unverified and inaccurate is also in violation of 15 USC 1681EB as each credit reporting agency is required to ensure maximum accuracy, when reporting to my consumer profile
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies need to correct the open date to correctly reflect the day these accounts went into collection. Aging account by fraudulently reporting the wrong open date for this debt. 

Account Name Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX National Credit System XXXX XXXX XXXX XXXX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I received a call from Matrix Card Continental Finance saying that my card payment is past due. I pay my cards every month on time. She said it was the {$12.00} monthly fee and she would only take payment on the {$12.00} fee for XX/XX/XXXX and also for XX/XX/XXXX and a late fee for a total of {$35.00}. This is absurd! When I try to use the card most vendors do not take it. It is extremely embarrassing to give a vendor your card knowing there is NO balance and it being declined. In speaking to the customer service rep she gave me attitude and we had it out. I told her I would pay my bill online. When I went online I was unable to access the account and after speaking to a new customer service rep she too was unable to access or allow me into the system. I am not exactly sure why I keep it open other than to allow my daughter to use it. THIS IS ABSOLUTELY THE WORST CREDIT CARD! After being told I would have to request the account be reinstated and a new account had to be started, that was all a lie. I paid the fee and all they did was reinstate the existing account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/2022 XXXX XXXX XXXX Balance Owed : {$3900.00} The address listed is not my current address, and This account is inaccurate and fraudulent. Im seeking Litigation. Please delete it at once.
Product: Checking or savings account

WELLS FARGO ATM MACHINE TOOK THE {$300.00} WITHDRAWL I REQUESTED. I TRIED TO DISPUTE THE CHARGES WITH WELLS FARGO AND MY CLAIM WAS DENIED. 

i WAS CHARGED THOUSANDS OF DOLLARS FOR OVERDRAFT FEES SINCE I OPENED MY ACCOUNT WITH WELLS FARGO BANK.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX and XXXX have been sent 3 three disputes about the inaccurate accounts : 1. XXXX XXXX 2. XXXX These inaccurate items do not give me a fair and accurate credit report according to the Fair credit reporting act.