23daVinci/CFPB_Complaints huggingface dataset:
Product: Other financial service

This is not going to end well for anyone on the other side and that is not somehting I can compromise on. 

Last year a woman fabricated XXXX charges against me when I discovered she was a con woman. It is not a crime to lie to any one -- unless you are under oath. Therefore, absolutely illegal and morally reprehensible from someone, who is the transgressor, witth more XXXX criminal charges in XXXX states to say such a thing. Why? because the justice system was XXXX for personal gain at the expense of an unknown, innocent individual who was deftly put into a 6 month statute of limitations, never mind you, i 'm gon na get hauled down to lockup on a thursday with a judge who has a full docket. 

The check in question needs to be reversed or I am going to the people with this, and that does end well for you guys. A bulge brakcet bank, honoring a cimrinal over a faithfully loyal customer? 

If I remain idle -- am I doing the correct thing? Or is it enough to just accept that bad things happen to good people and that 's okay? Please I would love to know the offi8cal moral stance taken by the firm 's PR agency of Choice. 

I am being told by chase that deadlines are deadlines -- tough XXXX. 

I '' m telling you that extenuating circumstances, will be the bane of Chase Bank 's existence going forward. If I am your customer and someonee steald my check and writes my signature and the handwriting analysis is incontrovertible -- what more do you want? 
Oh I have to know when my XXXX is styolen? 


NO. 

NO. 

NO. 

Chase has failed me as a customer on a level that I can not tolerate as man who is doing all that he can to restore his belief in the the american justice system. 

The idea that this is my fault is tragic. 

Additionally, the check in questoin was submitted initially and returned. I was never made aware of any of this and chase will not acknowledge this. That 's great -- because it 's a legal obligation on their behalf. I never got anything about a bounced check, and a check that was not sufficietly funded goes without notification to the account owner and apparently run again and I guess I had the dough at that point. No clue what was happening. 

Please, show me how your isistence and outright coercive attempts to get me to admit on a recorded line things I have absolutely certainty over. Now that is terrifying -- terrifying. Because what we have here, is the brick and morter teller becoming emotionally attached to my cauase and the next thing I know she is having heated words with a colleague who had no problem trying to dupe me -- yeah I 'm XXXX -- but i had another chase person advocating for me. 

How on earth is this a sitatuuoin that chase XXXX bank can allow to happen? 

Patheric. utterly pathetic. I will move on next to the XXXX if they have one at Chase. nothing about being caught ibetween to co-workers is professionaly acceptable. 

I look fortward to a civil suit. It 's on.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XXXX XXXX 2019, I requested a credit line increase for my XXXX credit card account, now administered by the bank called XXXX XXXX. XXXX XXXX used XXXX, as the credit bureau where they pulled my credit report, also without affecting my credit score,  because they use a soft inquiry, just like XXXX XXXX. But, once again and as I expected, XXXX XXXX  XXXX XXXX XXXX incorrect credit reports about my 2 accounts with them keep appearing also on XXXX, and it is negatively affecting even a {$400.00} credit line increase request, with no possibility of consideration, unless XXXX   XXXX also receives the evidence as fast as possible, in order to see that all the steps were followed by myself with XXXX XXXX  XXXX XXXX XXXX in order to correct this error they allow, against the Law called the Fair Credit Reporting Act : I am including the Brief currently been seen at the First Circuit Court of Appeals in XXXX, MA, because I also had to complain against a magistrate judge here at the XXXX XXXX XXXX XXXX XXXX for his unsupported conclusion, against all the evidence included. My Interrogatory to XXXX XXXX XXXX XXXX ( XXXX XXXX  XXXX XXXX XXXX ) clearly presents the incorrect credit reporting problem, the steps I followed, and why I had no choice but to file a Lawsuit. The Brief size in MB is too large for the CFPB, so I had to divided it today, XXXX 2019, but the Brief was not sent today to the Court, as the same Brief shows. XXXX XXXX   never answered. I am sending the Brief to the 3 credit bureaus, no matter they can only contact XXXX XXXX,. so there is evidence that I did took the Case to the Courts and the problems the violations against the Law from that other Bank unfairly creates to myself. Please verify at the pacer.gov web site under case XXXX to see this is an exact copy. Last payments to XXXX XXXX Credit Card were made, as agreed, last XXXX XXXX 2019 on the amount of {$120.00}, and now there is just 1 more payment needed to reach 36 payments made directly to XXXX XXXX XXXX XXXX under that certified payment agreement for this credit card with the same XXXX XXXX  XXXX XXXX XXXX, but none were reported to the credit bureaus, and the XXXX XXXX last payment of {$260.00} was made on XXXX XXXX 2019, as agreed. Both accounts are with the same Bank, and Paid as Agreed. Please review the Brief for details.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 XXXX XXXX accounts reporting on my credit report. The accounts were charge offs that were paid during settlement for a lesser amount. I have since launched 3 disputes with corresponding bureaus. The 3 bureaus have reported back separate payment status for the accounts.

Account 1 : XXXX shows ( Current/paid, updated XX/XX/XXXX XXXX Equifax shows ( derogatory, updated XX/XX/XXXX XXXX XXXX  shows ( unknown, updated XX/XX/XXXX XXXX. 

Account 2 : XXXX shows ( Current/paid, updated XX/XX/XXXX XXXX Equifax shows ( Derogatory, Updated XX/XX/XXXX XXXX XXXX shows ( unknown, updated XX/XX/XXXX XXXX. 

According to the previous, XXXX XXXX is reporting different status and and not providing accurate updates from each investigation, which is grounds for immediate removal. I am demanding the immediate removal of these accounts from my credit report across ALL THREE BUREUS as they violate my Fair Credit Reporting Act ( FCRA ) laws.
Product: Credit reporting or other personal consumer reports

Transunion responded with info about a fraudulent collection action placed against me for a Rental liability which is not my responsibility. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Placed for collection on XXXX Balance of {$36000.00} involving creditor XXXX XXXX XXXX XXXX XXXX I have been living in my own home since XXXX. I have never rented or leased from XXXX at XXXX XXXX. 

Disputed this with TransUnion
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX 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
Product: Debt collection

Some company called saying they were GC Services. They did not identify themselves as a debt collector which is a flagrant violation of the FDCPA. Instead they were trying to misrepresent who they were, and not immediately state that they were a debt collector. I have no idea why they would call me. I don't owe any alleged debt.
Product: Mortgage

Hello, I 'm having some trouble with bank of America ( my mortgage lender ). They admitted to their mistakes but when it came to fixing my credit from their mistakes they are giving me the run around. I had a auto draft system in place to pay my monthly bills and had no lack of funds at all times. But for some reason bank of America did n't take the mortgage payment off the auto draft, and said we defaulted on payment ( XXXX times ) and our credit was dinged XXXX times because they did that. I 've had this loan for more then XXXX years and have always been on the auto withdraw payment system and never had a problem. I 've always had sufficient amount of fund so i did n't need to ever bother to check. They said originally it was due to lack of funds but we showed the statements that we had sufficient funds. Through many difficult phone conversations, which were recorded by them, ( after speaking with the supervisor ) they finally admitted their wrong doing but they said they ca n't do anything for us in fixing the credit dings. They just gave us an XXXX number to do it ourselves. Id like to report them to you guys because they are not helping us at all clearing those defaults on my credit which was put on incorrectly due to their faults. There were sufficient amount of funds and when they forgot to take it out they made it like it was our fault. the funny thing is they later on did go ahead and took the money like few days later and then again did n't take it out the following XXXX months. this is so frustrating. I 'm signed up as auto withdraw and had sufficient amount funds. what more must I do. I do not want them to just get away hurting my credit scores. I 've spoken to them over the phone and has asked to put my payment on auto withdraw and they assured me that they will fix it but to this date I am getting a pay by mail ( bill ) sent to me. I speak XXXX as my main language. please have them call me with a XXXX speaking representative.
Product: Credit reporting or other personal consumer reports

It has been 101 days after my initial dispute submitted on XX/XX/year>, and the credit bureaus still haven't taken any action. I have a legal right to dispute inaccurate items on my credit report, and by law, the bureaus are required to comply and address these errors. Their inaction not only goes against the Fair Credit Reporting Act, but it also continues to negatively impact my financial well-being. I have repeatedly sent documentation, and yet Im seeing no compliance or correction on their part. This delay and disregard are unacceptable and a clear failure to fulfill their responsibilities. XXXX - XXXX - Unverified Account, incorrect high balance, incorrect last activity date. UPDATE TO NEVER LATE. XXXX - XXXX - Unverified Account, incorrect high balance, incorrect last reported date. UPDATE TO NEVER LATE. XXXX - XXXX - Unverified account, incorrect account type, incorrect high balance, incorrect account rating, incorrect limit, incorrect payment history. PLEASE DELETE. XXXX XXXX - XXXX - Unverified account, incorrect last activity date. PLEASE DELETE. XXXX XXXX - XXXX - Unverified account, incorrect high balance, incorrect last activity date, incorrect last reported date. PLEASE DELETE. XXXX - XXXX - Unverified account, incorrect high balance, incorrect account rating, incorrect payment history, incorrect date of last activity, incorrect last reported date, incorrect date of last payment. PLEASE DELETE. XXXX - XXXX - XXXX account, incorrect high balance, incorrect account rating, incorrect limit, incorrect date of last activity, incorrect payment history. PLEASE DELETE. I am attaching all the letters that have been sent to them, which included my identification each time. I am also uploading proof of my identity for the sake of this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously submitted a Police Report and a FTC report regarding Identify Theft. The accounts listed below are reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX  XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX, 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

Item was supposed to be deleted. Have documents from XXXX XXXX, the creditor for the collections account on my credit report stating they requested Equifax to delete the item. Equifax did not delete. It was paid off back in XXXX and deleted from XXXX and XXXX. It only appears on my Equifax. They refuse to help me over the phone and made me wait 30 days even though XXXX XXXX sent the deletion request right when I called them. Equifax is ruining my life by keeping this on my credit report. I actually had a woman laugh at me on the phone on XXXX of the various phone calls I made checking the status of my dispute when I told her I was on the verge of being homeless because they wo n't delete this account. It was originally deleted in XXXX off all XXXX credit reports and then Equifax started reporting it again. I 'm tired of dealing with this. I did my part, so did XXXX XXXX. Now it 's time for Equifax to do theirs.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Equifax credit reporting agency , block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM XXXX FEDERAL TRADE COMMISSION.
Product: Credit reporting

Equifax, XXXX, and XXXX are reporting an allegedly negative account from XXXX XXXX. This account appears in error. This account need be deleted immediately. I have no balance outstanding or owed to XXXX XXXX. I have contacted XXXX XXXX directly and initiated a dispute with all XXXX Credit Reporting Agencies.
Product: Credit reporting or other personal consumer reports

Hello. I am submitting a complaint Due to inability of accessing my credit report, I am concerned that there XXXX be inaccuracies in my personal information that need to be corrected. It is crucial for me to ensure the accuracy of my credit report as it XXXX impact my financial well-being and access to credit. I kindly request your assistance in addressing this matter promptly. Please investigate this issue and take appropriate action to allow me access to my credit report and scores and update my personal information in accordance with the Fair Credit Reporting Act ( FCRA ) XXXX have attached copies of my identification and any relevant documentation to support my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently recieved a report from XXXX stating my report had been " fixed '' i dont know how i couldnt get info needed over phone and wasnt able yet to send verifacation requested to obtain needed info. It has address still never resided at phone number dont recognize im puzzled how they " fixed problem '' without input or " info '' from me dont know who provided or " corrected info. Its not corrected and i will try contact XXXX but will also mail disputes. Very odd and also XXXX XXXX had account opened XX/XX/2020 with email not mine credit checks ran monthly sometines several times got still getting XXXX  XXXX " pre '' approved offers dont want but lost access to email trying to resolve with XXXX XXXX and find out who opened account with my name but not my email. Been ill hospital etc but also documents stolen etc reported police. Been over year since ordering reports id theft tax returns personal docs stolen out vehicle. Discoved recently key copy made im pretty certain without permission. Phone XXXX multiple and ongoing dispute false accusations no security personal devices admint retail demo developer call redirect no help resolving XXXX or XXXX gotten worse. But will contact XXXX XXXX again new email and XXXX on how or who provided " corrected info '' or verification to " fix report not fixed and very bizarre. My id theft reports after filing and cybercrime fbi etc before gettingbanswers email phone charge jacks burnt up etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agency is reporting the collection account XXXX XXXX XXXX as my account this account is not mine. Also the account has been deleted off my account and reinserted back on my credit file.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

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

XXXX XXXX Credit Card Services made an urgent request to XXXX   and Experian Consumer Credit Bureaus in order to removed this account from my credit report since XX/XX/XXXX, I will attached the letter that was sent to XXXX and Experian. This issue has not been resolve I have been calling XXXX and Experian since XX/XX/XXXX and they stated they have not received any letter or request
Product: Debt collection

Disputed several time to credit bureaus of account was a result of identity theft and provided a police report. I also contacted the collection agency to notify them of the inaccuracy of this account and received no response or help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX did a hard inquiry on my credit report that I did not authorize, they asked for my social security # and I refused to provide it. This all started with a simple inquiry on Lending Tree to see current rates to refinance. Since they did not have my full SS #, they must have used the last 4 digits that I was required to provide to Lending Tree to see rates. I have already contacted Lending Tree to let them know of my displeasure with them but they aren't the company that actually ran my report.
Product: Checking or savings account

On XX/XX/2019 a check was filled out using my name and checking account information in the amount of XXXX in the last name XXXX and was mobile deposited into a XXXX XXXX account. My bank TD Bank was not authorized to RELEASE these funds because the check was bogus and the name didn't match my name used on my checks. This is the 4th time my account has been compromised and I should of switched banks years ago! I'm told now that I will have to wait a total of 100 Days to be reimbursed. This is not my problem and the bank should give me a provision credit but is refusing to do so! I live pay check to pay check so this truly is affecting my family not being able to pay our rent! instead I paid someone else rent? 
Please help Sincerely, XXXX XXXX
Product: Credit card

This is a follow up from a previous complaint that is listed as closed with feedback, but the response did not actually deal with the majority of the complaint, and apparently there is no requirement for them to do so. 

My initial complaint was about an AmEx dispute with XXXX XXXX where I had been offered an upgrade for a flight, only to be told after a " no refund '' purchase that it only applied to one  leg. AmEx alleged they disputed the charge, and yet when I repeatedly demonstrated that the response from the airline did not actually provide evidence contrary to what I said, AmEx took the view that the airline was their customer too, and acted to protect that relationship. Looking back, they probably knew that the regulatory mechanisms to hold them accountable were a joke and acted accordingly. 

I subsequently gained further information from the airline wherein it is clear that AmEx did not provide them with pertinent details of my dispute. So in addition to accepting a response that did not actually address the dispute, it turns out they didn't even try to investigate the dispute properly from the start. They sent a generic reasoning to the vendor, without outlining that my complaint was specifically relating to being offered an upgrade for the whole flight and receiving only one leg of the flight. It is fairly clear that what they send to the vendor is generic, but if they didn't even provide this information from the start, how are they then saying that the vendor response has adequately dealt with this? And at what point is the CFPB going to actually refer this to the OCC for proper investigation? If a credit card company is very clearly just going through the motions of a legal obligation rather than actually following it and there is no accountability from a regulator, why would they stop?