23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I can no longer access my online account to check balances and pay the credit card. Today I was asked to check two boxes. 

One box is an Online Electronic Disclosure and Consent The other box I had to agree to is a Digital Services Agreement. 

Chase Credit Card wants me to agree to electronic notifications in lieu of receiving statement et al by U. S. Mail. I believe that is bullying by Chase. One agreement is 10 pages long and the other agreement is 124 pages long. If I don't agree to consents and agreements, I am unable to access my online account. The customer should always have a choice as to how they want to receive statements and the customer should always be able to access their credit card information and to be able to pay off their credit card online. 

Here is a copy of what I am forced to agree to in order to access my accounts online. Right now I can not access my account until I agree to this consent and agreement. Chase doesn't give me any other options. 

Disclosures and Agreements 70percent complete. 
Accept Disclosures and Agreements Please choose " Next '' after you accept the terms for the agreements. If you don't accept them, you won't be able to see or manage your accounts online. 

Online Electronic Disclosure and Consent In order to manage your accounts online, you will need to review and agree to the Opens PDF : Online Electronic Disclosure and Consent ( version in XXXX of the Opens PDF : Online Electronic Disclosure and Consent ). Please print a copy for your records. It explains the terms and conditions we follow when we send certain electronic communications. 
By choosing " I agree, '' you acknowledge that you have read and agree to the terms of the Online Electronic Disclosure and Consent, that you can access the sample PDF, that you consent to receive electronic notices, disclosures, statements, agreements and other documents and communications ( " Electronic Communications '' ) for your accounts, and that you agree to use electronic signatures in connection with Electronic Communications, as described in the disclosure. 
I agree to the Online Electronic Disclosure and Consent Digital Services Agreement Please read the Opens PDF : Digital Services Agreement ( version in XXXX of the Opens PDF : Digital Services Agreement ) and print a copy for your records. It explains the terms and conditions for customers who use digital services such as account alerts, bill payment and account transfers. 
By choosing " I agree, '' you acknowledge that you have read and agree to the terms and conditions of Digital Services Agreement. 
I agree to the Digital Services Agreement You won't be able to come back to this page to make changes, so make sure everything looks OK before choosing " Next. ''
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 : DEPTEDXXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a 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: Checking or savings account

On XX/XX/2022 I entered a promotional agreement with CitiBank to XXXX XXXX {$50000.00} and leave it in a saving account for 90 days and I would receive {$450.00}. I have honored the commitment and continue to call weekly- they have " filed a dispute '' internally several times but - I continue to be ghosted and have no resolution for months. This is not complicated and clearly a scam by CitiBank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent dispute letters in to TransUnion on XX/XX/2020. I have yet to here anything from them. Nor did I receive notice that they received my dispute which is a violation.
Product: Credit reporting or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are XXXX under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXXXXXX  XXXX, XXXX  XXXX XXXX and XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously had a vehicle loan with XXXX XXXX XXXX XXXX. This loan was for a XXXX XXXX XXXX, and the payments were due on the XXXX of each month. This vehicle was paid off on XX/XX/XXXX. However, XXXX has reported on my credit report that my XX/XX/XXXX and XX/XX/XXXX payments were 30 days late. The vehicle was paid off prior to the XX/XX/XXXX payment being 30 days late, and the loan was completely closed by XX/XX/XXXX. I have reached out to XXXX twice. The first time, they told me to dispute the information, and the person I spoke to said that these XXXX late payments are definitely reported incorrectly. I disputed with Experian, but the information was not changed. I then spoke to XXXX again and got a statement from them saying that the loan was paid off on XX/XX/XXXX. I submitted this document with a new dispute for Experian. However, the incorrect late payments were not taken off my credit report. Experian states that XXXX has verified the information on my credit report as correct. However, I have documentation and have had conversations with XXXX that contradict that.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the following creditors and reporting agencies has violated my rights. 

-- XXXX XXXX XXXX # XXXX -- XXXX XXXX XXXXXXXX # XXXX -- XXXX XXXX XXXX XXXX XXXX -- XXXX XXXX XXXX # XXXX -- XXXX XXXX XXXX # XXXX -- XXXX XXXX # XXXX -- No acct name # XXXX -- No acct name # XXXX -- No acct name # XXXX -- XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

On XX/XX/XXXX Messerli Kramer ( MK ) sent a me a garnishment notice and started to garnish my wages. It was not until 45 day 's later that I learned that MK was suppose to include in their Garnishment notice an " Exemption Notice '' which would have informed me of my rights and I would have been exempt from the garnishment. By law garnishments must include an Exemption Notice, theirs did not. On XX/XX/2019 I faxed MK an exemption notice. They are still garnishing my wages even though I have legally notified them of my exemption.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Bank and the credit report agencies are INACCURATELY REPORTING the following account : XXXX # XXXX XXXX XXXX XXXX XXXX, OH XXXX, they have not conducted any investigation on this matter and claim it belongs to me without giving any proof of that, because it does not belong to me. I have sent several request to resolve this to the Bank and the credit bureaus but they are still reporting the account as mine and hurting my credit and creating emotional distress because that situation because Negligent actions. I want to see this IMMEDIATELY DELETED FROM MY CREDIT REPORTS
Product: Student loan

Navient is charging me fraudulent amounts for one of my loans.

XX/XX/19- Loan was current with a monthly payment of {$30.00}XX/XX/19-Loan was current with a monthly payment of {$30.00} XX/XX/19- Loan had a past due balance from XX/XX/19 of {$220.00} I have screenshots to reflect this history of transactions.
Product: Credit reporting or other personal consumer reports

The following account was disputed with the bureaus directly. I supplied them with the payoff letter provided by the creditor once the account was paid off as agreed and they still refused to revise the inaccurate information. This account was paid in full via automated payments directly debited from my bank account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ( XXXX ) XXXX Marked as charge off when paid in full letter attached
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account and have reached out to the XXXX XXXX times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

I was told that Congress had passed the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) to minimize the impact of the COVID-19 pandemic, In particular, The CARES Act places important requirements on companies that furnish information to consumer reporting agencies about consumers affected by the COVID-19 pandemic. Basically, during a pandemic creditor can not report payments as past due, and make proper accommodations to consumers. 

I see incorrect & inaccurate late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

this account was included in my affidavit mailed to the credit reporting agency as well as the debt collector. XXXX has refused to respond to my request and continues to report identity theft information to Equifax, Equifax has reported that an investigation has been done but has not mailed me any documents to prove that with dates or phone number and contact information. I am asking that that CFPB require Equifax to complete its investigation with XXXX XXXXt XXXX accordingly thank you
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and I noticed that I had XXXX late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late payments for the accounts that I have included screenshot inside the complaint on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thank you, Please see the attached file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a {$500.00} balance on a credit limit of {$5000.00}. I keep it paid on time every month for at least 7 years, NEVER late. Due to the CoronaVirus, when my payment was due on XX/XX/XXXX, I missed it when I was dealing with my loss of job and didn't make the payment online on time. When I realized that it was late, I made an immediate payment of {$100.00}. I feel that it was unfair for XXXX  XXXX XXXX to report this to the credit bureau, which dropped my FICO by 25 points. I have NEVER been late, please!!! remove this from my credit report as a ONE TIME LATE PAYMENT.!. I am begging for XXXX  XXXX XXXX to do this. Thank You, XXXX XXXX
Product: Checking or savings account

according to regulation cc i can draw on my account and i did and they decided to close my account Regulation CC 2 Subpart A General Definitions The term bank refers to all banks, mutual savings banks, savings banks and savings associations that are insured by the FDIC, and federally-insured credit unions. Bank also refers to non-federally insured banks, credit unions and thrifts, as well as agencies and branches of foreign banks and XXXX XXXX XXXX XXXX  ( XXXX ) members. For purposes of subparts C and D, bank also includes any person engaged in the business of banking, Federal Reserve Banks, XXXX, and state/local governments to the extent that the government unit pays checks. For purposes of subpart D only, bank also refers to the U.S. Treasury and the United States Postal Service ( USPS ) to the extent that they act as payors. 
The term paying bank refers to any bank at which or through which a check is payable and to which it is sent for payment or collection. For purposes of subpart D, paying bank also includes the U.S. 
Treasury and USPS. The term paying bank also includes the Federal Reserve Banks, XXXX, state/local governments, and, if a check is not payable by a bank, the bank through which a check is payable. 
A reconverting bank is the bank that creates a substitute check or is the first bank to transfer or present a substitute check to another party. 
The term check includes both original checks and substitute checks.1 An original check is the first paper check issued with respect to a particular payment transaction. 
A substitute check is a paper reproduction of an original check that : Contains an image of the front and back of the original check ; Bears a MICR line containing all of the information encoded on the original checks MICR line, except as provided in the industry standard for substitute checks ; 2 Conforms in dimension, paper stock, and otherwise with industry standards for substitute checks ; and Is suitable for automated processing in the same manner as the original check. 
A substitute check for which a bank has provided the warranties described in XXXX is the legal equivalent of an original check if the substitute check accurately represents all of the information on the front and back of the original check and bears the legend This is a legal copy of your check. You can use it the same way you would use the original check. 
A copy of an original check is any paper reproduction of an original check, including a paper printout of an electronic image, a photocopy, or a substitute check. A sufficient copy is a copy of an original CFR 1002.2
Product: Credit reporting or other personal consumer reports

I do not have a bankruptcy.. I was told to contact XXXX XXXX  who verified I do not have a bankruptcy at all but XXXX added one to my account
Product: Payday loan, title loan, or personal loan

Moneylion keeps reaging my charged off debt and changes the balance owed. My report shows a charge off but the acct keeps reaging and the original date of delinquency updates. Recently this caused a 60 point drop after almost 2 years and they keep updating remarks from Charged off to Moneyloin and then they go back a few months later and edit it again.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX my credit report was obtained by XXXX & XXXX XXXX ; XXXX from Equifax. Again on XXXX XXXX my credit was obtained by XXXX XXXX XXXX from Equifax and XXXX. Also on XXXX XXXX XXXX XXXX ( XXXX XXXX ) obtained a copy of my credit report from XXXX. I have NEVER authorized either XXXX of these companies to obtain a copy of my credit report. Infact, there was a credit freeze in place on all XXXX of my credit reports at the times of all credit inquiries so I don't know how they were able to obtain it. I've reached out to Equifax XXXX XXXX numerous of times and each time they say that credit inquiries are factual data and therefore will remain on my report. I'm here to say this indeed is NOT factual data because I NEVER authorized neither of these companies to check my credit from either of the credit reporting Bureaus. 
I'm asking the CFPB to look into this and have both Equifax and XXXX remove all of these unauthorized credit inquiries from my rcredit report as it is hindering me from obtaining future credit. 

Thanks, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$230000.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$230000.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$230000.00} This follow-up is to make sure that the listed accounts are validated.
Product: Credit card or prepaid card

On XX/XX/XXXX, I purchased an XXXX XXXXXXXX XXXX XXXX Comforter, using my L.L. Bean XXXXXXXXcard, provided by Citibank. Since I mistakenly received a different color than ordered, I contacted customer service and was instructed to return the item. 
Over the course of six weeks, I made and sent numerous telephone calls and emails to L.L. Bean to ascertain the whereabouts of my refund, but to no avail. I then decided to file a dispute with Citibank. 
After finally receiving the merchant credit on XX/XX/XXXX, Citibank charged an additional {$140.00} to my account for the same purchase, which they comingled with a promotional balance transfer, having nothing to do with the comforter. In order to avoid paying the deferred interest on the balance transfer, which was set to expire on XX/XX/XXXX, I was forced to pay the {$140.00} on XX/XX/XXXX. Yet again, Citibank added another {$140.00} to my account on XX/XX/XXXX. I, again, paid {$140.00} on XX/XX/XXXX. 
After many attempts to rectify the situation, through secured messaging and telephone conversations ( one of which, they kept me on hold for over 30 minutes, then disconnected the call ), I canceled my L.L. Bean XXXXcard.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two hard inquiries on my credit report that I'm unaware of i never applied for mortgage
Product: Mortgage

My mortgage was sold to Everhome shortly after I closed, and their customer service has always been awful. When refinancing, I was in a hurry and thought staying with the same company would be easier. They told me that I had to pay {$420.00} for an appraisal, which would be refunded at closing, along with many other incentives that I was promised. Everyone I dealt with then proceeded to drag me along for months with false promises and lies. One day I 'm told everything is ready and we should be closed by the end of the week, and then the next day I 'm told that they need more information and we 're not even close. They repeatedly dropped the ball and failed to follow up, and when I finally got annoyed I was insulted by the loan officer and told that it was my fault because I am a business owner without enough income which, after months of phone calls and emails, was news to me. This entire process was frustrating, time consuming, and insulting, and now I 'm stuck with my higher rate, awful customer service, and out the {$420.00} I paid for the appraisal, which was much higher than other banks but I agreed because I was told the money would be refunded at closing anyway, but after months of being strung along that never happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was an inquiry on my XXXX  credit report from XX/XX/2020, that was a result of identity theft. I discovered this during a review of my credit report. I called XXXX and they told me to contact the reporting company. I immediately put a freeze on my credit reports. I called Credco who made the inquiry and was told that the inquiry was from XXXX XXXX. I spoke to the dealership manager who told me about the applicant who applied for the credit. I verified my information and proved it was not me who applied for the credit. I spoke to Credco and was told to file a police report and a report with Identitytheft.gov. I did both of these and emailed them the reports asking them to remove the inquiry from my credit report. 

When I spoke to XXXX at Credco today, she told me that they now require me to send them a copy of my social security number, my driver 's license, and a copy of a utility bill. I told her that they never requested that information before and asked her if I sent them the additional documents if they would immediately remove the inquiry from my report and she was not able to guarantee me that they would. I told her that the information they are requesting is very sensitive and I do not feel comfortable releasing this information to a company that has not been authorized to receive this information and they could use it to further steal my identity now that they have a copy of my social security card, driver 's license, and utility bill. How can I be sure that they are not part of the identity theft scam? 

In essence, I told her that they are re-victimizing me by refusing to remove a fraudulent inquiry in spite of proof from a police report which they requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT XXXX IS REPORTING THAT I OWE XXXX XXXX {$1000.00} AND XXXX XXXX {$760.00} WHICH SOMEONE GOT A ACCOUNT IM MY NAME, I SENT THEM A COPY OF MY POLICE REPORT AND ALL SUPPORTING DOCUMENTS THAT IM A VICTIM OF IDENTITY THEFT. ALSO EQUIFAX IS ILLEGALLY REPORTING THAT I HAVE A BALANCE OF XXXX WHICH I DONT, I WROTE MULTIPLE DISPUTES ON THESE ACCOUNTS AND THEY REFUSE TO FULLY VALIDATE THE INFORMATION THERE REPORTING. AT THIS POINT THEY ARE VIOLATING MY RIGHTS SO THIS MY FORMAL COMPLAINT. IM ALSO MOVING FORWARD WITH THE INTENT TO SUE ALSO
Product: Debt collection

I owe Portfolio Recovery {$680.00} for a credit card. I've been attempting to dispute the account for nearly 5 years, but it still hasn't been removed. Despite trying to settle with them, I haven't received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I was going over my CREDIT REPORT I found addresses that I never lived at. please delete the following addressesXXXX XXXX XXXX XXXX OH,XXXX-XXXX  XXXX  XXXX XXXX  OH,XXXX  XXXX XXXX  OH,XXXX  XXXX  XXXX XXXX  OH,XXXX.
Product: Checking or savings account

I had someone call me using Current banks customer support line claiming to be the fraud department. 

This person had my phone number & last 4 of my card already. 

They used this information to acesss my account and transfer EVERYTHING to themselves. 

{$3600.00}! This had to be a inside job & the bank is making no effort to contact me back about this issue!