23daVinci/CFPB_Complaints huggingface dataset:
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 Equifax and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This account need to be investigate and corrected for erroneous reporting in my file is listed on my credit report : XXXXXXXX XXXX XXXX Date Opened XXXX XXXXXXXX XXXX  Balance : {$280000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX, I have been disputing incorrect information being reported on my credit report. After applying for a loan for a mortgage in XX/XX/XXXX, and being declined because of the negative things being reported. Incorrect name and spelling, addresses I've never been associated with, wrong year for birth-date, incorrect account open dates, things that been paid to the original creditor, but another company reporting that's its unpaid. I have sent in proof of everything I've been disputing with a letter each month and nothing has changed. I even had a notary present during the signing of my letters. These agencies do not respond with 30 days from my request see date attached response with date. I'm still being declined and unable to move forward with my life because XXXX, XXXX, Trans Union,  they have failed me with their investigations to correct the errors being reported. I have the original credit report pull from the mortgage company earlier in the year and the latest one from my credit union and they are still reporting the same incorrect information. As I move forward into XX/XX/XXXX I would like the these companies to finally report the correct information.
Product: Debt collection

Midland Credit is reporting a collection account on my reports. I have contacted them regarding this account as I am not familiar with this account but they have not responded to my dispute. Here is the tracking to prove they have received my request of validation XXXX XXXX XXXX XXXX XXXX via USPS. They have not responded or tried to contact me back in any way and this is a violation of my rights as a consumer to dispute this inaccurate account. This account should be deleted from my reports!
Product: Checking or savings account

Disputed Transaction # XXXX : XX/XX/year> XXXX {$31.00} Disputed Transaction # XXXX : XX/XX/year> XXXX {$120.00} Disputed Transaction # XXXX : XX/XX/year>XXXX XXXX XXXX {$71.00} Wisely by ADP denied the disputes for all XXXX transactions without evidence or approval from me. I was told by the dispute department it was mandatory I signed the paperwork for the investigation because they would not/could not start it without my signature. But when I called a few days later, I was told the disputes were denied, and I never signed the paperwork. I have sent multiple letters to the company, but they have ignored them, I have not received any type of response.
Product: Credit card

FIA card service charges retroactive interest. For example, if I spend {$100.00} in XX/XX/XXXX, and payment for that is due on XXXX XXXX. If I pay on XXXX XXXX, I 'm charged for 13 days of interest, rather than one day of interest. Paying three days late therefore comes to an annualized rate of ~140 %. It 's disgustingly predatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XX/XX/XXXX XXXX XXXX  apply Pulled my credit report I didnt apply for this
Product: Credit reporting or other personal consumer reports

Hello, I got an alert in XXXX around owning a first installment for an AFFIRM Account. I have never ever applied for the account or shopped at XXXX in the amount of XXXX. I got an email that I was approved for XXXX. When I reached out to AFFIRM, the only message I got was you open the account and now you have to pay it. I sent an email to them with all my information to confirm my identify and asked what information was used for credit line approval. Now my fraudulent affirmed account is impacting my credit due to it being 60 days late. In principle, I could probably pay this but my concern is this could potentially happening to other people. It would be great to understand from AFFIRM what was used for approval so I can make sure I lock down those identity markers to stop this from happening. Also, what was brought and where was it shipped so I can see where the fraudsters are. I am hoping you can help with this.
Product: Bank account or service

As of XXXX XXXX of my checking accounts had a balance of $ XXXX XXXX a XXXX XXXX debited {$18.00} from that account leaving a balance of negative {$15.00}. The same day, after work at about XXXX, I went directly to a TD Bank ATM and deposited enough cash ( {$16.00} ) to cover the negative balance. I received a receipt dated XXXX with a current and available balance of {$0.00}. 

The following day I checked my account to find that:1. TD Bank assessed a {$35.00} overdraft fee2. TD Bank returned the XXXX transaction ( as if it had not been covered by the deposit ) 3. TD Bank dated the cash deposit XXXX not XXXX despite it being just $ XXXXMy understanding of TD Bank 's own funds availability policy is that any deposit made before XXXX will be credited the same day, and any deposit made after XXXX will be credited the following day. However, the policy also clearly states that the first {$100.00} of the deposit will be " made immediately available ''. And that was reflected on my receipt dated XXXX where the deposit was applied toward the account balance. However, TD Bank 's actions on XXXX suggest otherwise.
Product: Credit card

Hello my name is XXXX XXXX, I am writing to you regarding my credit card and the help I need in resolving some issues that I have encountered with it. Recently, I noticed that i was over charge and missed payments. My credit card statement, which has caused me great concern. I have tried to contact the customer service department multiple times, but I have not received a satisfactory response. I am hoping that by reaching out to you, I can receive the assistance and guidance needed to rectify this situation. 

Having negative issues like this on my credit card statement have put me in a difficult financial position, as I am now facing unexpected charges that I did not authorize. I have taken all necessary precautions to protect my credit card information, and I am unsure how these unauthorized transactions occurred. I believe that your expertise and guidance can help me in understanding the situation better and finding a quick resolution to this issue. 

I am reaching out to you in the hopes that you can provide me with the necessary assistance and support in resolving these unauthorized transactions on my credit card. I am eager to work closely with you to investigate these charges, identify any potential security breaches, and take the appropriate steps to prevent similar incidents from happening in the future. Your prompt attention and assistance in this matter would be greatly appreciated, as I am anxious to have this matter resolved as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error I demand the following accounts be verified or removed immediately. 
XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
8. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
10. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
11. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX please update all payment, all payment was made on time 12. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 
14. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
15. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
16. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
17. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
18. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX Account Number XXXX XXXX Please remove it from my credit report. 
19. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
20. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
21. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 
22. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
23. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
* Please add a Promotional Suppression to my credit file. 
* Please remove all non-account holding inquiries over 30 days old.
Product: Prepaid card

I have an American Express Gift Card. It is impossible to use. 
I am unable to use it on applepay or to use it with other vendors. 
I would like to card to be redemmed for a check or cash.
Product: Credit reporting or other personal consumer reports

Notice to an agent is notice to the principal. 

To Whom It May Concern, I am writing in response to your communication regarding my complaint submitted on XX/XX/year>, via the CFPB Complaint Portal. While your response acknowledges my concerns, it fails to meet the statutory requirements outlined under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i. 

As part of your reinvestigation obligations, I demand the following : 1. Exact Verification Methods : Provide a detailed explanation of the methods used to verify the disputed information, including : The specific documents and/or records relied upon to validate the accuracy of the reported information ; The identity of the data furnisher ( s ) and the nature of their responses ; Any system, tool, or process utilized to confirm the information.

2. Production of Original Documentation : Pursuant to Rule 1002 of the Federal Rules of Evidence, I request the original documentation, not copies, including : Any signed agreements, contracts, or other evidence supporting the alleged debt ( s ) ; Assignment contracts, account statements, or communications that substantiate the reporting. 

You are required to provide the requested documentation and a complete explanation within 15 days from the date of receipt of this letter. Failure to produce the requested information or to comply fully with your duties under the FCRA will constitute willful non-compliance, actionable under 15 U.S.C. 1681n. Further, vague or computer-generated responses will be considered insufficient to satisfy your statutory obligations.

If you fail to comply, I reserve the right to escalate this matter, including pursuing all remedies available under the FCRA. 

Sincerely, XXXX XXXX
Product: Debt collection

I was never notified in any way, by mail, email or phone call, of the court case or that there was even a debt collection to my name. On top of not notification being received, the debt collector argued they had tried to send mail but put no efforts in finding my actual address, although I had officially changed it within the  DMV.  Another issue is that I am involved in this case, solely because I am not a minor and had lived with my mother, the sole person responsible for this debt is my mother and the debtors decided to charge both of us, simply because of my age.
Product: Credit reporting or other personal consumer reports

These inquires were unauthorized and I am a victim of identity theft. 
Transunion : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX, XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX, XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Debt collection

Hi, I was just contacted by a debt collection agency in violation of fdcpa. I missed the initial call and immediately dialed the number back. The answering party identified himself as " XXXX XXXXXXXX XXXX XXXX '' and asked me to identify myself. I asked again who he was and what this was about. He repeated the same information. This makes twice failing to identify himself clearly as a collections agency despite being directly asked and given the opportunity to answer clearly. This was highly suspicious and by XXXX the name and initials, I believe this to be XXXX XXXX of Olympic Collection Inc. who violated the fdcpa during this contact. I asked again directly what this call was about, after XXXX failed to identify the purpose twice. He then said it was a " personal business matter '' again a violation and refusal to clearly identify. Additionally I received this call at XXXX local time to me ( XXXX XXXX XXXX XXXX on XX/XX/year>. Fdcpa requires collectors to respect the contact 's local time zone, which again is a clear fdcpa violation in contacting me after XXXX local time to me.
Product: Credit card or prepaid card

I called JP Morgan on XX/XX/XXXXwith a complaint about the " Chase Ultimate Rewards '' program. My points are supposed to be worth XXXX  cents per point via their travel site. In trying to book a hotel room via the Chase portal, the rooms were marked up by 20-40 % above what the same rooms cost on the XXXX website.
I asked Chase / JPMC to explain why this was happening and was told it would take 7-10 for them to investigate and get back to me. I told them I believed this was consumer fraud, I asked for copies of the card holder agreement related to the Chase portal and asked JPMC/Chase to confirm that all of my calls with them were being recorded. I asked Chase to self report my complaints to the CFPB at that point.
I am very frustrated that the points I earn are being devalued by the fact that Chase is forcing me to use them via a portal where the hotels are being offered at an inflated amount, not the market value. That means the points are worth XXXX cents, not the XXXX cents in the card holder agreement.
I waited 10 days and did not hear back from Chase. I followed up on XX/XX/XXXX and was told I would hear immediately ( either XX/XX/XXXX or the morning ofXX/XX/XXXX ).
I have given Chase the opportunity to manage this directly with me, but they have n't taken the opportunity to return my call to explain how the value of the points are calculated or why I might be seeing something incorrectly via the Chase booking portal thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time that I discovered that some of the information on my credit report was incorrect. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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
Product: Debt collection

Credit Management , L.P. 

Contacted me on XX/XX/year> via email at XXXX XXXX  cst requesting that I pay a debt in which I never owed in the first place. 


Company address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Company number : XXXX Company hours : M-F XXXX XXXX  to XXXX XXXX Central time except holidays Company website : www.creditmanagementonline.com
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, more specifically in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but also has allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

I offered to pay my debt in payments due to my income from XXXX ( {$840.00} ). They told me I had XXXX days to pay it off ( {$1600.00} ) or it would remain on my credit for life. XXXX the account specialist who has my account notated me as refusal to pay/attempt to pay even though I telephoned them. I contacted the management company that filed this and the apartment complex and they were unable to give me any kind of information to help me resolve this matter. They do not have my information from when I lived there.
Product: Checking or savings account

My account someone took over stole my information wrote bad checks in my name and cashed them causing my account to be put in the negatives this happened XX/XX/XXXX Ive been in contact with XXXX XXXXl but it seems like nothing had been done by both banks Bank of America and now Im out of luck
Product: Debt collection

I sent a certified letter to them requesting that they validate this debt because it does not belong to me and they did not respond to me
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I have a genuine concern regarding the inaccurate information on my credit report. My credit score is important to me as to anyone else 's. These inaccuracies are creating constant stress whenever I can not get approved for new credit due to the errors being reported on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied credit from my bank because trans union reported info to the bank stating that I have insufficient credit history, insufficient credit experience and insufficient time since most recent accounts establish. Trans union lists my length of credit history as ; average age of accounts, 3 yrs and 2 mons, age .of oldest accounts 6 yrs 0 mons . XXXX length of credit history 21 yrs and 2 mons, XXXX   length of credit history also 21 yrs and 2 mons. This action took place on Sat. XX/XX/18.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, so In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX # : XXXX, XXXX XXXX : # : XXXX, XXXX XXXX XXXX XXXX : # : XXXX, XXXX XXXX XXXX XXXX # : XXXX, have 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX XXXX premium credit bureau received my consumer fair protection bureau complaint, where I stated the facts that this company : premium credit bureau ran an unauthorized and unverified hard inquiry on my consumer file with out my consent nor authorization. in my complaint I've asked this company : premium credit bureau to remove/DELETED this hard inquiry from off my consumer file and have it reported to the 2 credit bureau XXXX XXXX XXXX & XXXX  XXXX XXXX agencies that are still reporting this. Under the constitution 15 section 1681 ( I ) in connection with a business transaction that is initiated by the consumer, in terms I DID NOT HAVE NO BUISNESS WITH THIS COMANY and to add on the response from this company : premium credit bureau response on XXXX XXXX is very disrespectful too give 60-90 days too have this removed when its obviously showing that that's its not verified this hard inquiry is causing a " defamation of my character " and I will be taking legal actions against this company.