23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

After reviewing a copy of my credit report i discovered multiple fraudulent delinquent accounts. I have been contacted by multiple debt collectors involving debt in my name that w not made by me. Below i will write a list including dates and the amounts. 
XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I called Chase Bank on or about XXXX XXXX, 2021 to dispute a series of billing errors that I had with the XXXX XXXX & XXXX ( XXXX, TN ). I had a block of 5 reservations for my family as we were traveling for a funeral. Upon checkout, the hotel billed me {$170.00} x 5 as a no-show fee ( {$870.00} total ). I attempted to resolve these erroneous charges directly with the hotel and was unsuccessful after several attempts. I then called Chase to file the dispute. At that time, Chase advised me they did not need any additional documentation from me although I told them I had paid receipts from all 5 of the rooms. According to Chase they could see the full hotel charges for 3 of the rooms on my credit card ( in addition to the separate cancellation fees ) so this was sufficient documentation to move forward with the dispute. A few weeks later, I began to get letters in the mail from Chase indicating the cancellation fees ( 5 total ) were valid charges. When I re-explained that myself and guests stayed in all five rooms and that I had all of the paid receipts, they asked me to go to my local Chase branch to fax the receipts. According to Chase, they would re-dispute the charges. A few weeks later, I received mailings indicating the charges were still valid. When I called Chase to inquire, I was then told my dispute was beyond the 60-day timeframe. 

Chase did not properly submit my initial dispute with XXXX correctly when I first called in because they did not obtain the paid receipts that I had although I told them I had these receipts in my presence. As a result, the valuable time elapsed and I lost my dispute right. My initial dispute would have been a much stronger case if Chase would have obtained the receipts or provided the merchant with my credit card statements which showed the paid in full amounts. 

Chase 's internal dispute resolution process disenfranchised me from the opportunity to have the strongest case against the merchant. I was clearly was taken advantage of by Chase based on their internal process. I believe this was deceptive and abusive by Chase in that I did not have an opportunity to dictate that my initial dispute should have been submitted with all five of the paid receipts that I had when I initially called to file the billing dispute. This has cost me a total of {$870.00} ( {$170.00} x 5 rooms ).
Product: Debt collection

The bank opened an account for someone other then me without obtaining my signature or iidentification card which resulted in an account being opened for someone other then md
Product: Credit reporting, credit repair services, or other personal consumer reports

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX Balance Owed : {$0.00XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$3200.00}
Product: Student loan

My student loans were transferred from the XXXX XXXX XXXX XXXX to Edfinancial in XX/XX/XXXX. Since then I have experienced a drastic drop in quality of service. The website and documents have reflected inaccurate record keeping and my displayed balance and payment amounts have fluctuated, some by the thousands, when I logged in to print my loan summary or view my payment history. The month they said my debt was paid off in their error, my documented debt had actually doubled. For instance, in XX/XX/XXXX, my balance was {$5300.00}. In XX/XX/XXXX, it was XXXX. Then in XX/XX/XXXX, it was XXXX. In XX/XX/XXXX, I took a screenshot of my payment history showing payments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX that were all different from the ones showing when I took a screen shot in XX/XX/XXXX. When I called and asked for a detailed payment and balance history log to explain the consistent fluctuations in my balance for greater than 12 months, I received a small document with a few short tables someone typed into. When I recontacted them several times on the phone, I was told repeatedly to send an email to the distribution list. When I did that, it took over a month to get a response and I still did not receive a detailed payment and balance history such as what I previously received from the XXXX. Every time I call to discuss an issue or ask a question, they say they will get back to me but instead make some change to my account instead before we speak. For instance, I called once to inquire about reallocating some of my XXXX loan repayments from a couple of years ago and they said they would call me back. Instead, they reapplied those payments and notated that someone from the XXXX called. This is below the standard I expect and deserve from a financial institution and I have lost trust in their accuracy, competence, and work ethic. I feel as though they can reallocate, increase, and/or change my loans at their will and I am helpless to do anything about it. I have screen shots and printed documents to support my statements.
Product: Credit card or prepaid card

Visited website in XX/XX/XXXX, the same day I opened the account for a Citi  DoubleCash Card. I signed up for a promotion for XXXX cashback after spending XXXX in the first 3 months.the url I went to was as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( this was pulled from my XXXX history and can be verified as needed ) the offer on their website was XXXX dollars cashback if you spend XXXX in the first three months. I contacted them at the beginning of XXXX as it had been over 3 billing cycles. They said " I didn't click on the promotion '', and that they would investigate it. They sent me a letter stating I didn't click on it. LITERALLY THE ONLY REASON I OPENED THE CARD WAS FOR THIS OFFER. I called back on XX/XX/XXXX and was transfered around for over 2 hours, as well as hung up on twice. I finally got a hold of a manager that said they " didn't have historical data for promotions to confirm my story '' and that I was out of luck. I told him that I could show them the link I clicked on with documentation that I actually visited it and they responded with " what is the URL going to show me ''. I told him that the page redirected me after clicking on the offer and he said that couldnt possibly be the case. I also have evidence to show that is what happened. I took down the Managers name and ID and told them I would be contacting the CFPB. I attached proof of the page that I visited the website as well as the inspection of the url showing that I went to that offer.
Product: Money transfer, virtual currency, or money service

Ive had accounts closed due to the company saying it was suspicious activity. I always used me account for my business. There were times cashapp has also taken my money
Product: Credit reporting or other personal consumer reports

This is my several times 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX}
Product: Debt collection

I first became aware of this account while reviewing my credit report and immediately took steps to dispute it with Wells Fargo. However, the account remains on my report, and it is negatively affecting my credit. 

To support my dispute, I have enclosed the following documents. A copy of my government-issued ID ( e.g., drivers license or passport ) A copy of a recent utility bill or other proof of address. And still they did not do their proper investigation on this matter! It has been years with this! {$5000.00} i have to pay back that ja not mine!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  should not be reporting that I am ( 30-60 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Prepaid card

I bought my prepaid visa card on XXXX, And I tried buying stuff on XXXX and XXXX and It wouldnt accept, I put XXXX on the XXXX XXXX I need help, It wont even let me see my card info in XXXX
Product: Checking or savings account

I signed up for a campaign with first tech bank which requires me to deposit {$3500.00} per month to qualify for a {$500.00} bonus. While under the small fine print, it says I have to deposit {$3500.00} more than trailing 365 days average deposit, the entire website/app doesn't provide me a way to look up my average deposit amount. While I did deposit {$3500.00} per month for required months, I was later denied of my bonus as they told me that I was not qualified as I was ~ {$50.00} short due to having non-zero trailing 365 days average deposit.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX, opened on XXXX XXXX balance {$64000.00} has violated my rights. XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Ras Lavrar is the debt collection agency for the XXXX XXXX account end XXXX. They keep dragging this out when I am ready to pay it off at the settlement amount of {$910.00}XXXX XXXX XXXX XXXX XXXX  was initially representing as it was part of the debt relief program, and they couldnt get through to Ras Lavrar claiming they are not receiving anything from XXXXXXXX XXXX XXXXXXXX XXXX reassured me over and over that they are sending them everything but Ras Lavrar either doesnt respond or they claim they didnt receive anything. I asked for this account to be revoked so that I could try to settle it on my own, and they are just doing the same thing with me. I just want to pay off the settlement amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX  XXXX XXXX, Texas XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, Pa XXXX XX/XX/2020 Dear Sir or Maam, I am taking this time to write you about updating my personal information with your company. 

Please update to my full legal name : XXXX XXXX XXXX Please remove all other names or alias such as : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 

The post office will not be able to deliver to inaccurate addresses per Fair Credit Reporting Act since they are not accurate. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX SSN : XXXX DOB : XXXX CC : Driver License CC : Bank Statement Address
Product: Credit card or prepaid card

I received only one letter that I had to paid a certain amount to keep my account open. I did pay the amount on time and been paying XXXX  every two weeks. On XX/XX/2020, I paid XXXX again and on XX/XX/2020 I paid XXXX dollars to catch up on my late payments. Not once I received a letter that my account was closed or was going to be closed. By XX/XX/2020 I was on schedule to finally paid off my late payments. With the virus damaging a lot of house, I am a XXXX XXXX  and was not looking for a closed account when I been on the card.
Product: Credit reporting or other personal consumer reports

Experian along with other collection agencies ( XXXX, XXXX, etc. ) are engaged in unlawful debt reporting and libelous practices which created an adverse action to my ability to maintain a good reputation and attain credit and/or finances by unlawfully failing to properly investigate consumer disputes. Experian does not take sufficient steps to intake, process, investigate, and notify about consumer disputes, resulting in the inclusion of incorrect information on my credit reports. Inaccurate or false information on consumer reports are threatening my access to credit, employment, and housing. 

When I dispute errors on my credit reports, Experian conducts sham investigations rather than properly reviewing the disputes as required by federal law which errors are currently having serious consequences on my familys finances.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate accounts in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I'm sending this complaint to inform the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$740.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Prepaid card

Over XXXX Florida families that have scholarships for unique abilities managed by XXXX XXXX for Students, are blocked from accessing our children 's educational funds without using a US Bank issued & controlled card. XXXX XXXX who is a US Bank Executive is new to the Advisory Board of XXXX XXXX for Students. 

Also, there are no US Bank branches in Florida so we are being instructed to make cash withdrawals from the card using ATM 's, which does not feel safe.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached to this complaint are 5 hard inquires from XXXX ( 2 ), XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. I have spoken with all 4 companies and none of them are willing to work with me on reporting these as unauthorized/fraudulent. I would like them removed ASAP. I have worked with both parties and neither the 3 companies or Equifax or XXXX are willing to help me get these removed. They both say back and forth call them and ask and vice versa.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked the credit bureau to do a verification on everything on my credit report and they did ; they stated that everything is accurate. I have done a thorough research myself and looked even further and found improper inaccuracies on my credit report even after the credit bureau did their research. 

In accordance with the Fair Credit Reporting Act XXXX ( Account # Below ), has violated my rights. 

15 U.S.C 1681 section 602A. 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. 

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

Experian has acted illegally by posting unverified information, sharing unauthorized information and locked my access to challenge or dispute this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX Account # 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

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. 

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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX  XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$660.00} XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX Balance : {$140.00} XXXX XXXX XXXXXXXX Balance : XXXX XXXX  XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1500.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00}
Product: Credit reporting or other personal consumer reports

Transunion has reported my personal information without my permission. Transunion brought and or saying/trading my personal information violating my consumer right 15USC 1681. These third party LLC like transunion did not receive my permission or consent to report any of my personal information for monetary gain. I will pursue legal action in court if Transunion does not remove and all information related to my personal data. It is defamation against my character and is a direct result of me being able to have the fairness I deserve, all loans, credit card information, hard inquiries or collections should be removed immediately as to the law 15USC 1681. Please respond to this issue as soon as possible. Congress does not give transunion the right to violate my personal information.