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

You need to adjust my credit score based on this fraudulent credit card XXXX XXXX. 

Based on the recommendation of XXXX XXXX, I applied and was approved for a credit card woth XXXX  XXXX. The first month I went over the limit XXXX XXXX deducted my credit score by XXXX points. 

However, my first payment was due on XX/XX/XXXX, XXXX XXXX XXXX called and harrassedy phone on XX/XX/2022. 

I said my payment is due on XX/XX/2022. Then I hung up the phone. That same day, I made a payment of {$79.00}. No one bothered to adjust my credit score for that. 

With that said, I'm going to pay that card off in XX/XX/2022, send a copy of this email and report this company to the Consumer Financial Protection Board, and my Congress members. I want to let them know how consumer 's are being treated in regards to credit. 

XXXX XXXX
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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # 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 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

I contacted Chase Bank about fraudulent charges made to my account. 

The charges made were : XX/XX/XXXX to XXXX XXXX XXXX for {$71.00} Then on XX/XX/XXXX to XXXX XXXX XXXX XXXX for {$71.00} Then on XX/XX/XXXX to XXXX XXXX XXXX for {$60.00} I have evidence of where I was on those days and that I never made any transactions involving XXXX management in three different cities. I don't know who or what XXXX XXXX is. 

I contacted Chase about the issue an was initially refunded the money before having the money taken back out of my account after the investigation was conducted. 

They investigation didn't include who the company was receiving the money and only commented on my card having a chip as if thieves aren't perfecting their mentors daily. I need my money and will cease to do business with Chase after this experience.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a loan from XXXX in 2016 at an interest rate above 90 % at first I was making good payments of {$290.00} on the loan even at times making extra payments for a close to 21 months. I ran into some had times and could not afford the high monthly payments, my loss in income and health issues, I did not have the money to make the payments of {$290.00} every month. The loan from XXXX was originally {$2600.00} at 135 % APR so 21 payments a total of {$6100.00}. XXXX states I still owe them {$1200.00}. I have sent them letters that I was on XXXX from my job and with a lower income it was very difficult to make the {$290.00} payments every month. XXXX sent a letter back offering to accept a final payment of {$120.00} to close the account and show paid as agreed on my credit report. I sent them the payment within the offered time that XXXX demanded. I sent the payment on XX/XX/2016. as of today XX/XX/2016, XXXX has yet to process the payment, but now sent me an email stating that I owe the {$6000.00} plus dollars and they are will to settle the debt for {$1500.00} dollars. When I sent them an email regarding the matter the stated that I needed to call them to resolve the matter. I said I would like to correspond with them via email, because I do not like how the mislead clients and deceived consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the Credit Bureau over a month now and I am yet to receive any documentation or response from them.Section 809 state ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 
PLEASE NOTE, I HAD MISTAKENLY UPDATED MY SPOUSE DL ON MY PREVIOUS APPLICATION.
Product: Checking or savings account

1.My Chekings acct with truist was closed " shut down '' because of a " RCLM FORGED ENDORSEMENT '' by the federal reserve bank .

2. Federal reserve said a check from the irs ( TAX REFUND ) for XXXX that i deposited XX/XX/21 was forged endorsement and eventually took the XXXX away. A charge off for XXXX by the bank was send to collection and proceeded by having the accnt closed and i had to pay the charge off. 

3. why was the money taken away and why was the accnt close. I am now tagged and not able to open a bank accnt at any bank institution.

4. that was my tax refund and i need my money back that I worked for.

5. and yes i have been to IRS local office and they do not see anything wrong done by me on there side and they do not understand why it was taken.
Product: Vehicle loan or lease

American credit acceptance sent a email out stating they will not be charging late charges. Yet they are keeping it on the account as late and its not right because the pandemic stopped everything I let them know we were and are under the disaster. I would like the late statements to be removed because its also stopping a lot of thing for me to get my family back on track.
Product: Credit card

We have an account with Barclays. Our account was charged interest {$45.00} on XX/XX/XXXX. Payment of {$6200.00} was made on XXXX XXXX to cover the previous statement balance in XXXX and charges made for XXXX. 
I disputed the interest accessed and I was told by the representative that this is a residual interest calculation? I was told that a XXXX will call. 
Today, XXXX XXXX at XXXX am, I spoke with XXXX, he can not explain on how the interest is calculated and giving me a round around. Each time i challenge him, he will change his answer on how to interest is calculated. 

An interest of {$20.00} was already applied for the statement period of XXXX XX/XX/XXXX. XXXX balance of {$6200.00} has been paid in full and therefore no interest should be applied. 

This is a deceptive practice by XXXX and should be investigated by the agency
Product: Credit reporting, credit repair services, or other personal consumer reports

8 Inquiry dates are not mine.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I have never heard of this XXXX XXXX XXXX place before. All of my medical bills have been paid by insurance or workmman 's compensation for the last 10 years or so.
Product: Credit reporting, credit repair services, or other personal consumer reports

My first letters to the credit bureaus regarding this account were in XX/XX/2022 and I have sent out letters each month since. This account is fraudulent and has been in dispute since I first seen it around XXXX XXXX last year but according to the credit bureaus they have it listed as not in dispute and remains unverified in the last several months. How is this possible if I have sent repeated letters to each bureau disputing this as well as letter to the alleged creditor. These are all violations of my rights under Title 15USC1681 and I demand that CFPB investigate this. Each bureau had 30 days to verify the account and not only did they send me letters stating it was verified but yet on their own report it states that there has been no verification and it is not in dispute. I have copied the XXXX FTC and the Attorney General for Florida.
Product: Credit card

A couple of times last year my information was fraud ehich navy federal was aware of with both credit cards and accounts also, i made a fraud complain with FTC, which they where aware of and didnt give me the correct information that i had a certain was to submit a complain with them by mail to grt this information over to them, now both credit cards are close and charged off and giving me negitive feedback on my credit report, try to disputr them, keep coming back as accurate. i have the ftc report that i was a victim of identity theft.Navy Federal Credit Union is fully aware because they called me a few times and close both checking and change credit cards too.
Product: Credit card or prepaid card

Capital One collects citizenship information of its applicants implying that it currently has or plans to have in the future a discriminatory treatment of consumers based on their citizenship status. Capital One also misrepresents to the public that its gathering of citizenship information is part of federal regulations requirements. According to my elected representatives to the United States Congress there are no laws or regulations of the federal government of the United States requiring credit card companies to gather citizenship information of their potential customers. Capital One misleads the public into believing that that's a U.S. Federal government that requires Capital One to gather this information while in fact it is a sole initiative of Capital One to incorporate citizenship question into its Customer Identification Program. The Customer Identification Program of Capital One could have been created and designed without requiring Capital One 's credit card applicants to provide their citizenship status to Capital One as federal regulations do not require such information to be part of the Customer Identification Program.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  has denied deleted a fraudulent account. ( XXXX XXXX XXXX ) in have ask them even. sent them over a FTC identity theft report and they did not want to except this. at all, I just file a dispute with them to remove this account and inquiries, all these were done with out my knowledge, XXXX has gave me problems, muy identity was used by XXXX XXXX and other banks I have sued XXXX XXXX for fraud and identity theft, please have check systems remove this account and have disputed other accounts on XXXX XXXX like Bank of America and family savings as fraud please make sure these are remove to please XXXX ) this is the confirmation number for my dispute please help I'm tired of getting treated badly, also other inquiries, XXXX XXXX, XXXX XXXX, XXXX XXXX also the XXXX report numberer is ( XXXX )
Product: Credit card or prepaid card

I have been charged ( {$110.00} ) twice for the stay by XXXX XXXX  XXXX XXXX for the stay ( XXXX - XXXX ). When i checked with the hotel they told me that they have refunded the charged which they have done on XXXX XXXX and shared the statement with me.When i called the XXXX XXXX credit card ( synchrony bank ) department they told me that they will raise a dispute and this amount will not be charged to me until this issue is resolved. 
But i have been charged twice with XXXX as a part of last month 's statement. When i talked to the customer service executive and give the refund transaction Number to him, he informed me that they have received this amound from the hotel guys. But still it will take XXXX days for this issue to resolve. 

Even though they have got the credit back from hotel they have charged me with XXXX dollars, and they want me to wait for XXXX days to get back my money. 
I would like to raise a complaint against synchrony bank for the above deed.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of the information regarding XXXX XXXX XXXX [ Account Number : XXXX ] on my TransUnion consumer report and requesting its removal. Despite my request for documented proof of any late payments associated with this account, TransUnion has failed to provide satisfactory evidence. Furthermore, the inconsistency in the last activity reported date across the major credit bureaus raises significant doubts about the accuracy of this information. 

I urge TransUnion to thoroughly investigate these discrepancies and provide verifiable documentation of any late payments associated with this account. Should the inaccuracies persist and can not be resolved, I request that the account be removed entirely from my credit report. 

The inaccurate reporting of this account has detrimental affects on my credit score and financial well-being, potentially impacting my ability to obtain credit. Therefore, I expect a prompt and thorough investigation into this matter, with confirmation of the changes made to my credit report once the dispute is resolved. 

I have enclosed supporting evidence that contradicts the reported information and ma prepared to provide further documentation if necessary. I appreciate your attention to this matter and expect a timely resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX inquiry with the credit bureaus regarding my credit report without my written consent. I never authorized XXXX XXXX to request credit report without have permissible purpose. I only have two credit cards with XXXX XXXX nevertheless there are over 7 hard injury on my credit report without my written consent. My credit score with XXXX  has dropped by 58 points and can't be fixed. I have never given written consent to XXXX XXXX and XXXX XXXX has never asked for written consent. 

According to the Fair Credit Reporting Act, Section 604, a creditor shouldnt have access to a consumer 's credit information unless the individual himself gives written permission, or unless credit access is court-ordered or requested by a state or local government agency in relation to child support. 

I have disputed inquiry through the credit bureaus regarding my written consent concerning all inquiry on my credit reports with XXXX, Equifax, and XXXX under the FCRA but hasn't received a timely response regarding my written consent. 

Each CRA hasn't responded yet regarding my written consent. XXXX   XXXX have abuse inquiry without my written consent all with the attached document regarding inquires on my credit report.
Product: Credit reporting or other personal consumer reports

on XX/XX/XXXX three things were open on my name in the amount of {$1700.00}, {$2500.00}, {$3500.00} and on XX/XX/XXXX another one in the amount of {$270.00} and the name of the company is Mohela i have no knowledge of how and why this is on my credit report. I also ask that this be investigated and removed thanks you are greatly appreciated for doing your job.
Product: Credit reporting or other personal consumer reports

Disputed discrepancies on my report asked for proof multiple times still have not received. 

Reports attached
Product: Vehicle loan or lease

XXXX XXXX XXXX ( XXXX XXXX ) denies allowing me to use my extension and reporting to the credit bureaus of the late payments. I have been in a Hardship due to identity theft, so I have been needing to use my extensions, but throughout it all I was granted and denied. Despite my repeated efforts to request assistance my request was denied. My credit report was damaged due to the denial of the extension that I was obligated to request and received.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to verify an account that is reporting inaccurately by using public records data. Ive pointed out to Experian several times the information is incorrect and every dispute comes back as verified and updated but has no change in the account information whatsoever. Ive also reached out the XXXX XXXX of XXXX XXXX who has stated they DO NOT VERIFY ANY INFORMATION WITH CREDIT BUREAUS. Since this is the case, its obvious that Experian has not conducted an Investigation and has violated my rights under the FCRA
Product: Bank account or service

My wife and I opened a CD account with XXXX XXXX on XXXX/XXXX/XXXX for 2 years maturing on XXXX/XXXX/XXXX for 1.45 %. On XXXX, XXXX Bank was closed in connection with the FDIC and began operating as Popular Community Bank . The conversion of accounts was scheduled for XX/XX/XXXX-XX/XX/XXXX. A Conversion guide was mailed to us. In the Conversion guide, it states that CD rates would earn the current rate until maturity. ( XXXX ), in other words they would n't be changed. However, Popular Bank lowered the rate to 1.144 in XXXX XXXX, and did n't tell us. In addition, their web site does't show the rate of interest that is being paid.
Product: Debt collection

In XXXX  I was renting an apt from XXXX management. This was during the pandemic and the rental company agreed to let me out of the lease and not have to pay back the 3 months rent that I owed. They told me I have to make a payment of XXXX and we would be " settled ''. Unfortunately, I am not an attorney or have an experience with this and we did this all by phone. On XX/XX/XXXX DBF collections represented by XXXX XXXX at XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX # XXXX, contacted me and told me I owe the landlord XXXX. I explained my side of the story to them, they told me they would not take any action until the situation was confirmed and resolved. This was false as they reported my alleged debt to a credit reporting agency. I asked for a court order proving that I owe money and was told they do not need one. I attempted many different times to resolve the debt and was told that its not on DBF, that the landlord does not want to resolve it on my terms.
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired a loan XXXX 2021 with XXXX XXXX XXXX. I attempted to no avail to have my account balance updated on my credit report in XXXX, so I refinanced with XXXX XXXX since they were being unprofessional. The loan has been paid off, I have made the first payment to the new lender, XXXX XXXX, and still XXXX XXXX XXXX has NOT closed the account. They always respond they're in the process and XXXX  has gone along and that's why the balance reflects XX/XX/ 2021. Now it looks like I owe almost $ XXXX for a car I only owe $ XXXX and some change. Please, please help. XXXX XXXX XXXX has tanked my credit and refuses to close their account, they're always in the process of doing so.
Product: Credit card or prepaid card

We have a business XXXX XXXX, we have been directly affected by XXXX XXXX. We have a Chase credit card account and have had this account since XXXX, our credit limit was {$17000.00} we made two payments in XX/XX/XXXX, one on XXXX, and another on XXXX, the payment on XXXX was in the amount of {$9000.00}, after that payment, Chase decreased our credit limit by {$9000.00} without any notice. We made this payment not only as a payment, but it was also to be able to use the card to make purchases like lumber and other building materials easier. Of course they are saying the account was a personal account and not supposed to be used for business? 
We have worked so hard to get through XXXX, even working when we had XXXX, we also called Chase and let them know we were directly affected by XXXX XXXX, with their credit card relief, we are still having a tough time, and losing the XXXX is enough to put us out of business, not to mention our credit score dropped from XXXX to XXXX, which will XXXX  any chance of acquiring any future construction loans. If there is anything you can do to help, we would sincerely appreciate it. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to dispute a collection account. The account is listed on my XXXX, Experian, and XXXX credit reports as XXXX. 

I've already asked XXXX, Experian, and XXXX to verify the accuracy of the information on my credit report. Upon looking at my updated credit report, I can see that there are still many inaccuracies being reported, even after each bureau 's independent investigation. 

Here are the specific INACCURACIES ( proof is attached ) : Account Number : XXXX : XXXX Experian : XXXX XXXX : XXXX Date Of Last Activity XXXX : XX/XX/XXXX Experian : XX/XX/XXXX XXXX : XX/XX/XXXX Date Opened XXXX : XX/XX/XXXX Experian : XX/XX/XXXX XXXX : XX/XX/XXXX Closed Date : XXXX : XX/XX/XXXX Experian : Not Listed XXXX : Not Listed Balance Owed : XXXX : {$320.00} Experian : {$0.00} XXXX : {$320.00} Also, please note the 7 year history in the attachment. XXXX and Experian are reporting ZERO 30 day late payments and ZERO 60 day late payments, while XXXX is reporting 1 30 day late and 1 60 day late. XXXX is reporting ZERO 90 day late payments while Experian is reporting 4 and XXXX is reporting 15! 

According to the FCRA, all information on consumer credit reports must be accurate. The information on this account is NOT being reported accurately, as it does not remain consistent across reports. 

Therefore, XXXX, XXXX, and Experian are all in violation of FCRA, and they are violating my consumer rights by continuing to report inaccurate information on my credit report and failing to properly investigate the accuracy of my credit report. 

I want the XXXX XXXX account removed from my Experian credit report, XXXX credit report, and XXXX credit report immediately, per FCRA regulations.
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. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX  XXXX Bankruptcy # XXXX, XXXX XXXX Bankruptcy # XXXX, 15 U.S.C 1681 section 602 A. States I have the rights 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.