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

I applied and used this card to make an initial purchase on XX/XX/2018.I loved the fact that they were supportive of veterans as I normally shop online. I have been waiting for a verification code or call from this company since then. I went online to register my card and was given a number to call. When I called that number I was told that I needed to wait for a verification code to come in the mail. To my understanding this code has been sent out in the XX/XX/XXXX. I have changed addresses and asked if another one can be sent out. I spoke to 4 different representatives who said there was nothing that can be done and I just have to wait for the code or phone call. However if I do not pay the balance by XX/XX/2018 a late fee will be added to my account!! The last representative that I spoke to was a liar and extremely condescending. She stated that all of the representatives we from her department and no one that I speak with is going to tell me anything differently. Someone is not telling the truth because the previous representative said that I need to get in touch with consumer fraud protection which supposedly is XXXX department  at XXXX. I have been a cutof XXXX  for years! And if this is they way that I am going to be treated then this company as well as its affiliates do not deserve my business. XXXX even went on to say that I can make a payment in the store but I still will not be able to use the card until XXXX can verify who I am. If they can not provide me with another code to verify who I am I am requesting that this account be closed and removed from my credit report. What is the point of keeping a blocked card?!! Abosolutely horrible customer service from corporate. This is absolutely unsure and unacceptable for a company who claims to support veterans. I am a XXXX XXXX XXXX XXXX veteran. Situations like these as well as customer service representatives like XXXX are contributing factors to why there are 22 veterans XXXX XXXX   everyday.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally request the deletion of certain remarks from my credit report maintained by your agency, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e .

It has come to my attention that there are inaccurate and damaging remarks on my credit report, which have adversely affected my creditworthiness and financial standing. These remarks are [ describe the remarks in detail, including any inaccuracies or misleading information ]. 
I would like to emphasize that these remarks are not only incorrect but also violate the provisions outlined in 15 USC 1681e of the FCRA, which requires consumer reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy of the information in consumer reports.

Furthermore, I am exploring legal options to address this matter, including the initiation of a lawsuit if necessary. Please consider this letter as formal notice of my intent to pursue legal action if the inaccurate remarks are not promptly removed from my credit report. 

I kindly request that you investigate this matter promptly and provide me with written confirmation of the deletion of the inaccurate remarks from my credit report within [ specify a reasonable timeframe, such as 3 days ] from the date of this letter. 

Failure to comply with this request will leave me with no choice but to take further legal action to protect my rights under the FCRA. 

accountXXXX XXXX XXXXXXXX Update status on dates followed to current status. 

Dates : XXXX Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the deletion of the inaccurate remarks from my credit report.
Product: Credit reporting or other personal consumer reports

I AM NOT LIABLE WITH THIS DEBT AND DO NOT HAVE A CONTRACT WITH XXXX XXXX XXXX XXXX XXXX THEY DID NOT PROVIDE ME WITH THE ORIGINAL APPLICATION LIKE I ASKED. I MAKE THIS REQUEST PURSUANT 15 U.S.C 1681i OF THE FAIR CREDIT REPORTING ACT 1997. DELETE THIS ACCOUNT WITH XXXX, EQUIFAX ANS XXXX. 

ACCOUNT XXXX
Product: Credit reporting or other personal consumer reports

XXXX Bank Closed An Account That Did Not Belong To Me But Had All My Personal Information The Account Was Negative Which Affected My Credit Score XXXX XXXX also closed a account after me verbally stating i have never had services, this has also affected my credit score greatly and this account does not belong to me
Product: Credit card

I saw this account on my credit report. I have never received any information on this debt. This collection agency is in violation of my rights because I never gave the original creditor permission to give my information to anyone. I also, asked them to send me the verification process for this debt with and the certified mail receipt with my signature. XXXX also sold this debt and is reporting false payment information that I didnt make. This is a fraudulent credit card that was opened without my consent then sold to a collection.
Product: Credit reporting or other personal consumer reports

I am presenting this follow-up complaint to formally notify XXXX, XXXX, and TransUnion Credit Bureaus of my intention to update my credit reports within a 15-day timeframe. It is my earnest expectation that these three Credit Bureaus will expeditiously expunge the specified inquiries from my credit records. This communication serves as a continuation of my previous complaint, dated XX/XX/XXXX. I respectfully request that the inquiries outlined in this communication, as well as those in the aforementioned complaint, be expunged upon the completion of the 15-day credit report update period : XXXX : XXXX XX/XX/XXXX XXXX : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TRANSUNION : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX
Product: Credit card

In XXXX 2015, I submitted my payment to Macy online and by the time it was submitted a late fee was imposed. However, I quickly contacted Macy 's later that morning and spoke with a representative. The female representative assured me that the late fee would not be added and I owed only {$34.00} and some change. I paid the entirety of the bill in which I should have a XXXX balance in which was confirmed by the representative via phone. At the end of the month I received a letter from the company claiming I owed way more in which I did not. I was appalled and confused because I have one person assuring me of a XXXX balance and a letter stating another. This was the XXXX! I contacted Macy 's customer service to be treated horrible and the rep talked over me and argued with me as if this was my fault. I was amazed of the lack of care of this rep who failed to show some concern, but all he cared about was the money owed erroneously. The XXXX speaking gentleman hung in my face and I called back and a nice rep answered and tried to assist me and trying to connect me to a supervisor, but was sadly disconnected. By this time I had given up. I was upset because not only was I provided with assurance my bill was paid in full and any additional fee would be cleared, if any. I am sad to learn that their practice lacks care or empathy toward a promise made by one of their own employees. I paid the {$120.00} in which {$94.00} should be refunded ( approximately ). In addition, I know another individual that is experiencing the same issue. I would like a refund and an apology. I have sent Macy 's electronically a message, but yet to receive an apology or a follow up on what happen and how I was treated is my main concern. A promise is a promise and I would like a refund ASAP and any late fees removed from my credit report, immediately.
Product: Credit card or prepaid card

I ordered something from XXXX  back in XX/XX/2020. Did not get anything until XX/XX/2020 .... 

Opened the box that came from XXXX and it was not the item I ordered from XXXX. I reached out to XXXX to tell them what happened. And they told me the item does not qualify for a return/refund ... But i told them that this is not what i ordered. So I went to the post office and requested, return to sender. Dropped off the pacakge at the post office. Then i followed by disputing with AMEX. Everything was ok until last month. AMEX decided to charge me for the item again. I thought all this was taken care of. So here I am trying to get my money back. I have called AMEX customer service multiple times and I dont get anywhere.
Product: Mortgage

I am writing in response to the adverse action taken by NAVY FEDERAL CREDIT UNION regarding my recent credit application. I believe this decision may be in violation of certain provisions outlined in the United States Code, specifically 12 U.S.C. 1431, 15 U.S.C. 1611, and 15 U.S.C. 1602.

As per 12 U.S.C. 1431, the powers and duties of banks in credit transactions involving natural persons for personal, family, or household purposes must adhere to certain standards. It is crucial to emphasize that the term " consumer '' in credit transactions characterizes such transactions when the party involved is a natural person, and the transaction 's subject is primarily for personal, family, or household purposes. 

Additionally, the terms " open end credit plan '' and " open end consumer credit plan '' as defined in 15 U.S.C. 1602 encompass plans where the creditor reasonably anticipates repeated transactions, prescribes the terms of such transactions, and includes provisions for a finance charge computed periodically on the outstanding unpaid balance. It is essential to note that even if credit information is verified intermittently, the transaction remains an open end credit plan or open end consumer credit plan.Furthermore more NAVY FEDERAL CREDIT UNION has been discriminating against XXXX XXXX Americans, and I believe I have been victimized by their actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA name of accounts has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX XX/XX/XXXX {$4600.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$290.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$160.00} XXXX XXXXXXXX XX/XX/XXXX {$10000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$590.00} XXXX XXXX XX/XX/XXXX {$590.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a settlement offer from XXXX XXXX XXXX, on behalf of XXXX   offering to settle my student loan debt for {$6500.00}. Check was mailed on XX/XX/XXXX and was accepted/cashed by XXXX. On XX/XX/XXXX I am in the process of purchasing a home. The Loan Officer called me to say that the Department of Education is reporting that I still have an outstanding student loan in the amount of {$8000.00}. I called the DOE and was told they couldnt tell me anything because the loan had been placed with an agency, the Professional Bureau Of Collections Of Maryland. I called them on XX/XX/XXXX and was given voice mail, where I left a message. I called back later that day after not receiving a call back. I was sent to voice mail again and left another message. They were then closed for the weekend. On Monday XX/XX/XXXX I called and was given voice mail again. I left another message. I called a second time that day after receiving no call back and was transferred to XXXX, who told me he couldnt access my info and he transferred me to another office. I got voice mail again. I left a message. I received no call back so I called yet again. I told the receptionist that I really needed to speak to someone. She transferred me to voice mail AGAIN and I left another message. Im getting no help from this agency and cant even speak to someone about how to prove that the debt is paid. The Department of Education isnt helping at all either. This is keeping me from getting a home.
Product: Credit reporting or other personal consumer reports

Transunion report file # XXXX I received my credit reort today and it's inaccurate information has runied my score. I should not have to keep submitting disputes. The followinf are inaccurate : XXXX ) XXXX - not my phone number and never been XXXX XXXX XXXX XXXX - acct # XXXX = and acct # XXXX Listed as Charged off BUT reporting BALANCE?? How is this possible? This is illegal according to FCRA US CXXXX  XXXX US CXXXX XXXX This is illegal after careful research-. I never received a XXXX NEVER -Delete this account as I will proceed with Litigation as this is not mines! Ive told you all XXXX times XXXX ) XXXX  XXXX - acct # XXXX - Account shows chared off with a balance -ILLEGAL IS Code XXXX - Account in litigation 0this is a uiness card and a partner got this card. NOT ME- Never did I sign any contracts with you all myself. Please provide me with a WET SIGNATURE CONTRACT otherwise DELETE as ligigation will start 3 ) XXXX XXXX XXXX XXXXXXXX - You delete this then readd it over and over - This is a fraud acct -not mines -victim of identiy theft and proof was sent to you all several times - delete this or I will start litigation -over it - US CXXXX XXXX XXXX P [ ease stop sharing my information and selling it! Ive been a victim of identity theft and you all know this. Ive sent every data breech letter to you all several times
Product: Checking or savings account

OnXX/XX/2019, I paid a Chase Bank money order # XXXXfor a deposit for an apartment # XXXX at XXXX XXXX/XXXX XXXX, XXXX. 
for {$100.00} for a deposit for # XXXX apartment towards move in rent. On XX/XX/2019 -- 3 days later, FTC and AZ Consumer Protection Laws -- 3 days are within cooling off period-right of recession ) I called XXXX XXXX to cancel and drive by and pick up my {$100.00}. I told XXXX XXXX, XXXX, and told her this is consumer fraud and a violation of the FTC and AZ State Consumer Protection laws for the cooling off period. XXXX XXXX, XXXX, said to call XXXX XXXX XXXX @ XXXX, left a message with the Supervisor, XXXX. Haven't heard back. I then went 0n XX/XX/2019, Chase Bank Branch in XXXX on XXXX to place a stop on my {$100.00} money order. XXXX banker told me he saw that the transaction for money order # XXXX on his computer and it was in process and he couldn't stop it. I said that means it hasn't been paid. He said right. I demanded Chase banker to stop the payment now!! On Chase money order that I paid {$5.00} for out of my checking account on XX/XX/2019I told him to place a stop now!! Get me the supervisor! Chase banker chose not to place a stop and indicated on the money order " terms and conditions '' that says '' Placing a Stop Payment on a Money Order-Sender, that is ME, can place a stop and have the item reissued back to me the sender.Chase went against my authorization ( robbing me ) to pay XXXX XXXX. Consumer fraud. On my money order, on memo, I wrote " DEPOSIT # XXXX towards move in rent '' I did not move in and called on the 3rd day-right of recession-FTC cooling off period. I want {$100.00} of my money back NOW from CHASE BANK! My money was to go for rent as stated on " memo '' Deposit {$500.00} towards move in rent. Chase needs to reverse {$100.00} and charge back XXXX XXXX dba XXXX XXXX back into my checking account. That is my money and CHASE BANK can do reversals. Consumer fraud by CHASE BANK AGAINST ME.I paid for something I didn't get by Chase Bank. Reverse the charge now. Consumer fraud by Chase Bank.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

This fraudulent, inaccurate, and false information consists of a hard inquiry from : XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX, 2 Unauthorized Installment Accounts XXXX XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX Credit Card Accounts : XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$310.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$380.00} Balance updated XX/XX/XXXX CRB Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$150.00} Balance updated XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I discovered multiple inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2. Despite having already filed a dispute and providing all the necessary documentation, the credit reporting agencies and the companies responsible have failed to remove these inaccurate collection accounts. 

This is the second formal complaint I am filing with the Consumer Financial Protection Bureau ( CFPB ) because the previous complaint was ignored, and the inaccurate collection accounts continue to appear on my credit report. These accounts are causing significant damage to my credit score, and the continued reporting of this erroneous information is both misleading and a violation of my rights under the FCRA. 

Collection Accounts : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  b. Balance : {$0.00} c. Account Status : Closed d. Date Reported : 09/21/2020 The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies and furnishers of information must ensure the accuracy of the data they report. Specifically : Under 15 U.S.C. 1681b ( c ), the companies reporting these collections must have a permissible purpose for accessing or reporting this information, which they have failed to demonstrate. 
Under 15 U.S.C. 1681s-2 ( b ), the furnishers of information have a legal obligation to correct and update inaccurate or incomplete information once a dispute has been filed. Despite receiving my dispute, these furnishers have neglected to update or remove the inaccurate information. 

Furthermore, the 15 U.S.C. 1681e ( b ) provision requires credit reporting agencies to adopt reasonable procedures to assure the maximum possible accuracy of the information in consumer reports. By continuing to report these erroneous collection accounts, the credit reporting agencies are in direct violation of this provision, and I am seeking corrective action under the law. 

The Federal Trade Commission ( FTC ) has issued clear guidelines about the obligations of credit reporting agencies and furnishers under the FCRA. My complaint is further supported by FTC Report No. XXXX, which underscores the need for compliance with these legal obligations.
Product: Debt collection

I do not believe that the debt that is reported for the amount of {$3900.00} from UPGRADE INC is valid. I have no knowledge of any account with this amount owed. According to 15 U.S. Code 6802, it is illegal for banks and institutions to report any data to third-party companies without proper consent.

Please remove this information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the victim of identity theft. The fraudster has identifying information that allows her access to my credit reports with all three credit agencies. I have repeatedly attempted to put credit freezes with all three credit agencies, but the fraudster is able to lift the credit freezes. All three credit agencies have incorrect former addresses and phone numbers ; incorrect emails ; incorrect employer ; and XXXX has a security question ( Mother 's city of birth ) established by the fraudster. 

The problem is particularly acute with XXXX. We have attempted to shut down our XXXX account and open a new one with new credentials, but XXXX has not allowed us to do this. It is almost impossible to contact a live representative and they have told us we have to wait but have not informed us of when and if they take action. Meanwhile, the account remains compromised. 

In mid-XXXX we shut down online accounts with Equifax and XXXX and opened new ones. But the fraudster has already somehow changed the username, email and passwords on those accounts. We believe the gateway for doing this is through XXXX. 

Recently the fraudsters have lifted the credit freezes to open credit card accounts with XXXX XXXX and XXXX. Both companies alerted us and those accounts have been closed.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE UNAUTHORIZED FRAUDULENT INQUIRIES TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

After reviewing my credit reports I noticed some incorrect addresses on my profile. I sent a letter requesting the addresses to be removed for safety and privacy of my personal information only, my letters went unanswered. Please remove the incorrect personal information from my profile because it does not belong to me and violates my privacy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX