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

To whom it may concern, Please provide me with all the information you used for your investigation, as required FCRA 611 ( a ) ( 7 ) This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) ( 7 ).

To be more specific, based on FCRA 611 ( a ) ( 2 ) ( b ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute.

I am requesting the method of verification for the disputed accounts below XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX documentation used to verify the dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX documentation used to verify the dispute I request that you send me this information so that I know that the investigation was in fact conducted properly.If you are unable to respond in a timely manner and/or provide me with the requested documentation, please delete the accounts from my credit report.
Product: Checking or savings account

I am a Chase private banking client with Chase Sapphire checking account. Yesterday my family in XXXX used wire transfer to transfer {$5000.00} to my Chase Sapphire checking account. For Chase Sapphire checking account, per Chase policy, there should be no wire transfer fee for either outgoing or incoming wire transfers. Meantime, my family already paid separately the wire transfer fees to XXXX bank, in which they initiated this wire transfer. Therefore, the amount that I should receive in my Chase checking account should be exactly {$5000.00}. However, there was only {$4900.00} deposited into my Chase checking account from this wire transfer. Apparently, Chase charged me {$15.00} hidden fee for this incoming wire transfer. My family further inquired with XXXX bank and was told by XXXX bank that the wire transfer amount that I should receive should be exactly {$5000.00}. XXXX bank confirmed that the missing {$15.00} must be charged by Chase as the receiving bank.

I reported this issue to Chase Private Client customer service. However, Chase representative treated me very impatiently and unprofessionally. She didn't resolve this issue at all. I am very disappointed with your Chase Bank customer service. 

I am escalating this issue to CFPB, and am requesting Chase to immediately post the {$15.00} to my Chase Sapphire Checking account because Chase should NOT charge me this {$15.00} fee at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXXXXXX Balance Owed : {$0.00} ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am a victim of identity theft and have a fraudulent account and inquiries listed on my Equifax credit report. The following account and inquiries are unauthorized and fraudulent : XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX Bank, XXXX/XXXX/XXXX, XXXX XXXX Bank, XXXX, XXXX XXXX Bank XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX Bank XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX
Product: Credit reporting or other personal consumer reports

Paying to much on an XXXX XXXX XXXX XXXX XXXX that I no longer have and its affecting my credit
Product: Credit card or prepaid card

This is regarding a previously report incident XXXX. In short, Chase Slate rejected their initial resolution after sending confirmation, claimed I refused and rejected the resolution by closing my account.

About 2 weeks after I received a resolution letter stating the balance transfer would be reinstated with the promotional APR, my transaction was suspiciously " rejected '' by the payer. I called my the other bank, who confirmed that the transfer was rejected by Chase.

My initial balance transfer was returned along with the fees and payments, for the exception of one of the interest fees that was incorrectly charged to my account. My now closed account sits at a negative balance ( that I am transferring out to a checking account ) short of the incorrect interest fee that was charged and never refunded as the previous CFPB incident resolution claimed. 

The lack of competence among the customer service and issue resolution teams is astounding. Do not use Chase Slate - their teams can not do basic accounting.
Product: Credit card or prepaid card

I applied for the XXXX XXXX Citibank XXXX XXXX card. I found out I was denied because they couldnt verify my information. I was confused so I called and they told me to call experian. I call experian and experian said there is zero reason to deny me ( XXXX credit score, income of XXXX, and never have missed a payment ). 

I went around and around until I finally got someone who gave me an answer. One person said my address didnt match what was on the credit bureau.. The other person said it was seniority of addresses on the credit bureau. Either way they clearly were just trying to find an excuse since I had zero reason to be denied. I finally talk to a manager and I explained to him I move every 3-6 months for work and can provide every address I have lived at for the last two years and get verification that I am required to move this often for my job. He refused any documentation and said I would not be allowed a credit card unless I have an address in the future that i stay at for a longer period of time. I said that is impossible.. I would have to get a new job and youre now denying me a new job or asking me to submit tax fraud ( by law I have to pay taxes in the state Im currently working in so I have to change my address everytime my company moves me ). I was denied based on my job and not because of income, credit score, or any true factor of it I was eligible for a credit card. I can not change my line of work and offered any verification you needed and they refused it.
Product: Credit card or prepaid card

In early XX/XX/2021, I was charged twice for the same car rental. XXXX charged me {$260.00} on XX/XX/2021. XXXX also sent a receipt. 

XXXX charged me {$270.00} on XX/XX/2021 ( posted XX/XX/2021 ). I did not receive a receipt from XXXX for this. 

During the booking process, I believe that XXXX  referred me to XXXX, but I never saw the name XXXX until I received this duplicate charge. 

I e-mailed XXXX on XX/XX/2021 and they said that if we received extra charges, we must have opted for extra items. But we didn't pick up the car until XX/XX/XXXX, so we couldn't have opted for extra items by XX/XX/2021. I also have a receipt from XXXX  ( the actual car rental company ) showing no incidental charges before or after the car drop-off. 

I have searched my e-mail inbox and spam folder for any receipt from XXXX or a receipt in the amount of {$270.00}. 

I contacted Barclarys credit card to dispute the XXXX charge in XX/XX/2021. The XXXX ID is XXXX. 

In response to their inquiriy, I e-mailed copies of the receipts from XXXX and XXXX to Barclays. I have provided all of this information in writing, by e-mail. I have no more information to provide. Barclays sent a letter dated XX/XX/2021. They say they need more information.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 XXXX XXXX ran my credit without an application on Equifax. I filled out no application for credit. if they claim I did they are lying and the must provide the application not just SAY I DID. I will submit evidence from the dealership in question and other banks. if the cfpb allows them to refuse to remove the inquiry without evidence I will go to the attorney generals office.
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 accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX  - XXXX - {$2000.00} XXXX XXXX XXXX - {$0.00} These entries remain unverified and highly suspicious. Despite my repeated efforts to have these inaccuracies investigated and resolved, no meaningful action has been taken. I have provided all the necessary documentation and followed up several times, yet the errors persist. This prolonged inaction has not only caused unnecessary financial strain but has also significantly impacted my overall well-being. The mental and emotional stress from dealing with these unresolved inaccuracies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the right to have unverifiable and incorrect information promptly removed. I urge you to take immediate steps to verify and rectify these items, as failure to do so violates my rights under federal law.
Product: Debt collection

On XX/XX/XXXX, I had a medical emergency in XXXX XXXX NV. As a result, I was admitted to XXXX XXXX Hospital. I have XXXX XXXX Health Plan, which requires a {$50.00} co-pay for emergency visits. I fulfilled my financial obligations and paid {$50.00}.
Since XX/XX/XXXX, I have been receiving monthly bills from XXXX XXXX Hospital and from their XXXX department, XXXX XXXX XXXX, XXXX PA. The initial bill of {$30000.00}. was paid in full by my insurance company, XXXX XXXX.
However, XXXX XXXX XXXX continues to send me an outstanding bill, in the amount of {$1600.00}.
I contacted XXXX XXXX department on numerous occasions. Each time, the XXXX XXXX department informs me to disregard all billing, and to discard any bills received. Yet, the bills continue. I filed multiple grievances with XXXX XXXX XXXX regarding the continuous bills I receive.
Now, this outstanding bill of {$1600.00}. is now in collections, which affects my credit rating score. This matter is between XXXX XXXX and XXXX XXXX XXXX, and should not involve me.
Product: Credit reporting or other personal consumer reports

The date on XXXX XXXX XXXX is not accurate please fix or delete this account
Product: Credit reporting, credit repair services, or other personal consumer reports

The docket on the bankruptcy is incomplete. The last 3 characters, ( XXXX ), is missing from the credit report. 

The court name is incomplete and the state of the court is missing. The correct name of the court is XXXX Bankruptcy XXXX XXXX XXXX XXXX Georgia XXXX located in XXXX XXXX GA XXXX 

XXXX XXXX XXXX was opened in XXXX of 2016 but none of the payment history for 2016 is provided in the payment history. Please provide payment history for XX/XX/2016, XX/XX/2016, XX/XX/2016 and XX/XX/2016.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a follow up to my original 609 letter dated XX/XX/2020 regarding an inaccuracy in your credit reporting. This was done on XX/XX/2020 Specifically, as it relates to credit inquiries that I did not authorize, made by the following companies : invalid and inaccurate Inquiries : XXXX ran an unauthorized credit inquiry on me on XX/XX/2020. 

XXXX XXXX XXXX ran an unauthorized credit inquiry on me on XX/XX/2020. 

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
I sent a letter requesting that you reinvestigate or delete disputed items from my credit report as well as place temporarily remove these items from my report during the investigation period. As of this date, you have failed to respond to my request. A copy of my original letter is attached for your review. 
The law stipulates that you must investigate within 30 days of receiving my letter and respond within 5 days of completing your investigation. You have not followed the stipulations of the law. 
I have suffered damages because I need to rely on an accurate and complete statement of my credit record and demand that you remove the disputed items from my report immediately as you failed to comply with the law. I have contacted the Federal Trade Commission and advise them of your companys blatant disregard for consumer protection laws. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : I have enclosed documented proof that you did not respond in time. Please see the attachments.
Product: Student loan

All these accounts do not pertain to me its fraudulent and not my information. And I would like them to be removed from my credit report. I would also like this issue to be investigated.
Product: Mortgage

From the first date, I have always included a partial pre-payment of my principle. When the COVID-19 Pandemic shut down XXXX Florida, I called Select Portfolio Servicing and asked them two questions ; 1 )  would they lower the variable interest rate, which they increased last year, 2 ) what options do I have if I have a problem making the payments Today, I received my statement. The pre-payment of {$270.00} was unapplied, even though the mortgage coupon was clearly marked for partial pre-payment. Rather than following their customer 's wishes, they continue to charge interest charges for the {$270.00} ( and future ) pre-payments. 
At XXXX XXXX, I called, I was informed that I was enrolled in their " forbearance '' program and they told me that I could not withdraw from it. This is Forced Compliance of a Condition that was never agreed to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am attaching my request to cancel and reimbursement letter I send ClearOne Advantage XX/XX/XXXX. Within the letter, my complaints are noted. 

A ClearOne close out rep called me XX/XX/XXXX. She completed the official process of canceling my agreement. 

She said the money in my XXXX XXXXXXXX XXXX account will be refunded with in 5-7 days so I haven't seen it yet. 

XX/XX/XXXX {$180.00} was the amount in the XXXX  account, upon checking my XXXX  account today XX/XX/XXXX XXXX took yet ANOTHER fee of $ XXXX bringing my refund down to XXXX. I want that {$8.00} back also. 

But nothing was mentioned on the close out call, of the remainder = {$1400.00} of the reimbursement I have requested. 

As my cancel letter states, I am experiencing significant loss due to being mislead Into using their service. 
I feel deceived and kept in the dark. 

I feel my request for reimbursement is very reasonable. 

Considering over the last 3 years. I have paid over XXXX in ClearOne and their partner XXXX XXXX XXXX Fees. 
While 2 of my enrolled creditors, sit neglected and my others have been paid a few dollars a month. How my account was positioned and heavy up front fees like that, these 2 creditors would have not been contacted to even discuss negotiating untill mid XXXX over 4 years after enrollment! 
That is unacceptable! 
That doesn't show my credit or creditors are in their best interest. 
I have to add how their customer service is Not of service. I have emailed countless times over the last 4 months and most go totally unanswered. When I do get a customer service rep on the phone, they don't know the latest on my issues and I have to start over explaining. Documents not attached. I have been told someone is to call me and a certain time, no one calls. I leave messages for a call back, no one calls. It's been a very disappointing experience. 

What I was sold on isn't the truth of the reality. If I had know what was really going to happen, I wouldn't have signed up. I decided I wanted to submit this complaint for one I need the reimbursement I have requested and it's important people know the truth behind this " service ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, Credit Express, XXXX XXXX and XXXX XXXX XXXX have reported late payments to the 3 credit reporting agencies. The companies are reporting this information to my 3 credit reporting agencies and the credit reporting agencies are reporting this inaccurate information to future creditors. This is causing injury to my person as I am not able to acquire new credit based on these claims.
Product: Debt collection

CFPB Law Dispute Letter Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Fair Credit Reporting Act ( FCRA ) Dispute under 12 CFR 1006.34 & 15 U.S.C. 1681s-2 ( 7 ) ( A ) Dear CFPB, This letter is to formally dispute inaccurate information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

Identification of Inaccurate Information I am writing to dispute the following information on my credit report : Account Type : COLLECTION Creditor Name : I C SYSTEM Account Number ( Last XXXX Digits ) : UNKNOWN Specific Information in Dispute : Basis for Dispute I believe the information listed above is inaccurate. I also have revoked all rights of them communicating with me through email, text and calls. I am requesting validation of such debts. I am requesting the purchase agreement between them and the original creditor. I'm also requesting that they furnish proof that they are licensed and bonded and would like all collections to be removed immediately. 

Violation of FCRA I believe this inaccurate information is a violation of my rights under the FCRA, specifically 12 CFR 1006.34 ( b ) ( 5 ) which guarantees the reported information is accurate and verifiable, 12 CFR 1006.34 ( c ) ( 4 ) ( i ) which requires furnishers to investigate disputes, 12 CFR 1006.34 ( d ) which outlines the timeframes for dispute investigations, and 15 USC 1681s-2 ( 7 ) ( A ) which prohibits credit reporting agencies from including inaccurate information.

Request for Action I request that the CFPB investigate this dispute with the credit reporting agency and the information furnisher ( creditor ) named above. I further request that the inaccurate information be removed from my credit report and that I be informed of the results of the investigation within the timeframes mandated by the FCRA. 

Supporting Documents Attached are copies of documents supporting my claim ( e.g., cancelled checks, account closure confirmation, police report for identity theft ). 

Thank you for your time and attention to this matter. I look forward to your prompt resolution. 

Sincerely. 


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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax breached the fair credit at the law and I have a written letter from a company being that based off of Equifax actions I want my Equifax credit report locked ASAP. Equifax dont have my permission to change nothing on my account until arbitration has ended. 

Im requesting arbitration within a reasonable timeframe based off of Equifax actions Pertaining to my Credit Report I have written documentation as evidence Equifax dont have my permission to contact none of my lienholders none of my credit card company Im requesting arbitration ASAP Im gon na sue you. Im gon na contact my lawyer today. I want my account locked.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've went online many times for over a year on XXXX, Transunion and XXXX  disputing that I never lived at XXXX XXXX, XXXX, CA. I've waited on hold for 45 minutes or more explaining this address is wrong and I never lived in California. To this day, the 3 bureaus still have not removed this address. When I try to open an account and I'm asked security questions, this address pops up. If I respond I never lived at the location, I'm denied an account or my credit report is locked because I had to respond I lived at this address in the past. Again, I've never lived at the address nor lived in California. I want this address permanently deleted off my credit report.
Product: Credit card

A trip was planned to go to XXXX and was canceled Goldman Sachs would credit my credit card and XXXX months later add the amount of {$530.00}. back to the card I have been going through this for months and still not getting the amount reversed back to the credit card
Product: Credit reporting or other personal consumer reports

XXXX is reporting inaccurate information regarding a XXXX XXXX account that has been charged off, yet has a past due balance. That is in violation having a past due balance on a charge off account. 
Also that account is not mine they are not complying with showing me how this account was even opened.this is unfair for me as a consumer
Product: Credit card or prepaid card

On the promotion they are not show it on the statement as a separation rate. They are showing everything under the higher rate. exp. the promo is 6.99 % and the standard is 22.00 % they are not showing what is what i did under the lower rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX has my credit history mixed with my sister 's, who has a similar name and social security number. Despite numerous attempts speaking to them via phone calls since XXXX 2020, it has not been fixed. I have faxed over my identity proof and proof of established credit as per their request and they claimed that they never received the faxed documents. I have sent certified mails of the same documents and received back a generic letter that EQUIFAX could not locate my identity - even though I have included the requested documents to specifically establish and prove my identity and credit history.