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

XX/XX/XXXX -- - ; Just ended a call with an Experian representative to follow up on the copy of a XXXX letter received dated XXXX XX/XX/XXXX to inform the Public Record bankruptcy item reporting in my XXXX consumer file had been removed. I informed the Experian representative on today 's call that my call is to learn if Experian too has removed this Public Record item from my Experian credit report because XXXX is their data furnisher. The Experian representative verified my SSN and then proceeded to search for the XXXX letter I uploaded vial the internet to Experian and did receive a message that the document was successfully uploaded. The Experian representative stated he did not see the document uploaded and stated he could not locate it. -- - I received ( 3 ) letters from data furnisher XXXX stating as of the date of these letters, XX/XX/XXXX, XXXX has removed the disputed information from my file. -- -- I disputed my Public Record Bankruptcy item reporting with all ( 3 ) credit bureaus, XXXX ( XXXX XX/XX/XXXX ), XXXX ( XXXX XX/XX/XXXX ), and Experian ( on XX/XX/XXXX ) ;. ; Experian has several times forwarded dispute results ( for this same item ) stating the item remains and dispute results are verified as accurate. Experian 's dispute results stated verified as accurate are false statements as the court or any court does not report to or provide information to Experian. Experian should remove the Public Record bankruptcy and associated bankruptcy accounts immediately. -- - " I also disputed again the US Dept of Education Student Loan for incorrect balance and account status. XXXX confirmed to me in a letter dated XX/XX/XXXX ( see attachments ) that ALL of my student loans have been forgiven as of XX/XX/XXXX and should now reflect a XXXX balance, status of account stating XXXX and XXXX.
Product: Credit card or prepaid card

My credit card limit was reduced from {$9900.00} to {$1000.00} without prior notification from Chase.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I sent XXXX XXXX XXXX XXXX a certified letter and they received on XX/XX/XXXX requesting that a tax lien listed on my credit bureau by XXXX County be investigated and verified. I got an unsatisfactory response to my request on XX/XX/XXXX which is well beyond the 30 days allotted time to respond. 

I also mentioned that automated response or XXXX verification is unacceptable. I am requesting a re-investigation AND their Method of Verification. 
Additionally, I asked to please be provide the name, address, and telephone number of each person contacted regarding this alleged account. I formally requested a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. I also reminded them that, as in XXXX v. XXXX XXXX XXXX, No. XXXX ( C.D.Cal. XX/XX/XXXX ), they may be liable for their willful non-compliance. None of this was acknowledged or complied with which is a direct violation of the FCRA. I currently have a total personal data security freeze with XXXX, XXXX XXXX and XXXX.
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 : XXXXXXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Account name XXXX XXXX XXXX XXXX XXXX, Account name : XXXXXXXX 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 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 o
ther 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 or other personal consumer reports

In accordance with Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy under 15 US 1681. 

Account Name - XXXX XXXX XXXX XXXX {$320.00} ( ALSO, COMPANY REFUSED TO PROVIDE ACCOUNT NUMBER ) XXXX. XXXX XXXX XXXX XXXX ( ALSO, COMPANY REFUSED TO PROVIDE ACCOUNT NUMBER ) XXXX. XXXXXXXX XXXX XXXX XXXXXXXX ( ALSO, COMPANY REFUSED TO PROVIDE ACCOUNT NUMBER ) XXXX. XXXXXXXX XXXX XXXX XXXXXXXX ( ALSO, COMPANY REFUSED TO PROVIDE ACCOUNT NUMBER ) XXXX. XXXX XXXX XXXX XXXX ( ALSO, COMPANY REFUSED TO PROVIDE ACCOUNT NUMBER ) XXXX. XXXX XXXX XXXX XXXX ( ALSO, COMPANY REFUSED TO PROVIDE ACCOUNT NUMBER ) XXXX. XXXX XXXX XXXX XXXX ( ALSO, COMPANY REFUSED TO PROVIDE ACCOUNT NUMBER ) XXXXXXXX XXXX XXXX XXXXXXXX ( ALSO, COMPANY REFUSED TO PROVIDE ACCOUNT NUMBER ) XXXX. XXXX XXXX XXXX XXXX ( ALSO, COMPANY REFUSED TO PROVIDE ACCOUNT NUMBER ) XXXX SERVICES L XXXX ( ALSO, COMPANY REFUSED TO PROVIDE ACCOUNT NUMBER ) XXXXXXXX XXXX XXXX XXXXXXXX ( ALSO, COMPANY REFUSED TO PROVIDE ACCOUNT NUMBER ) XXXX. XXXXXXXX XXXX XXXX XXXXXXXX ( ALSO, COMPANY REFUSED TO PROVIDE ACCOUNT NUMBER ) XXXXXXXX XXXX XXXX XXXXXXXX ( ALSO, COMPANY REFUSED TO PROVIDE ACCOUNT NUMBER ) XXXX. XXXXXXXX XXXX XXXX XXXXXXXX ( ALSO, COMPANY REFUSED TO PROVIDE ACCOUNT NUMBER ) XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( ALSO, COMPANY REFUSED TO PROVIDE ACCOUNT NUMBER ) XXXXXXXX XXXX XXXXXXXX ( ALSO, COMPANY REFUSED TO PROVIDE FULL ACCOUNT NUMBER ) XXXXXXXX XXXX XXXX XXXXXXXX ( ALSO, COMPANY REFUSED TO PROVIDE FULL ACCOUNT NUMBER ) XXXX XXXX XXXX XXXXXXXX ( ALSO, COMPANY REFUSED TO PROVIDE FULL ACCOUNT NUMBER ) XXXX XXXX XXXX XXXX XXXXXXXX ( ALSO, COMPANY REFUSED TO PROVIDE FULL ACCOUNT NUMBER ) XXXXXXXX XXXX XXXX XXXXXXXX ( ALSO, COMPANY REFUSED TO PROVIDE FULL ACCOUNT NUMBER ) XXXXXXXX XXXX XXXX XXXXXXXX {$0.00} BALANACE ( ALSO, COMPANY REFUSED TO PROVIDE FULL ACCOUNT NUMBER ) XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$0.00} BALANCE ( ALSO, COMPANY REFUSED TO PROVIDE FULL ACCOUNT NUMBER ) XXXX. XXXX XXXX XXXXXXXX XXXX ( ALSO, COMPANY REFUSED TO PROVIDE FULL ACCOUNT NUMBER ) XXXX. XXXX XXXX XXXX XXXX ( ALSO, COMPANY REFUSED TO PROVIDE FULL ACCOUNT NUMBER ) XXXX. XXXX XXXX XXXX XXXX ( ALSO, COMPANY REFUSED TO PROVIDE FULL ACCOUNT NUMBER ) Each of the above XXXX - XXXX has per 15 US 1681 VIOLATED MY RIGHTS.

15 U.S.C 1681 Section 602 a- States I, XXXX XXXX XXXX XXXX have the right to privacy.

15 U.S.C. 1681 Section 604 2- 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 and /or any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681 s-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

The Following account listed is not my account. I did not obtain this account nor did I authorize for it to be opened. 

1. Identity Theft CBNA Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

Experian is directly emailing me and going around CFPB. The XXXX screen shots are of once again my extremely screwed up Experian account. Experian is not fixing my account because I am filing these complaints and doing investigation into this predatory company see this is there pattern. As of yesterday all information passed on to CFPB is also sent to my state rep and senator
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance wit the fair credit reporting act XXXX XXXX XXXX account number XXXX, XXXX XXXX Account XXXX XXXX ; XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX ; XXXX XXXX XXXX Account XXXX XXXX ; XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX ; XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX ; XXXXXXXX XXXX Account # XXXX ; XXXX XXXX XXXX  Account XXXX XXXX ; XXXXXXXX XXXX XXXX  Account # XXXX ; XXXX XXXX XXXX Account XXXX XXXX ; XXXX XXXX XXXX  Account # XXXX ; 15 USC 1681 Section 602A States I have right to privacy. 

15 USC 1681 Section 604A Section 2 also stats a consumer reporting agency can not furnish an action without my written instruction. ;
Product: Credit reporting or other personal consumer reports

Information reporting inaccurate information and showing old accounts. Supporting documentation for removal of inquiries.
Product: Debt collection

There have been a collection account placed with the 3 credit bureaus on an account that was included in a bankruptcy. 
The bankruptcy in question was discharged on XX/XX/XXXX. National Recovery Agency added this to my credit reports claiming it was a new account opened in XXXX of XXXX for {$210.00}. This information is totally inaccurate And I gave them the correct information via telephone and also gave them my bankruptcy lawyer contact information, whom they never contacted.
Product: Debt collection

THIS DEBT IS FROM THE XXXX. ON THE DAY IN QUESTION I WENT IN, SOMEONE TOOK MY VITALS AND SENT ME TO WAITING AREA AFTER I PRESENT WITH SEVERE CHEST PAIN. AFTER A XXXX MINUTE WAIT IT WAS APPARENT THAT I WAS NOT GOING TO BE SEEN BEFORE DEATH. SO I LEFT AND WENT TO ANOTHER HOSPITAL WHERE I WAS TREATED XXXX. I NEVER SAW A DOCTOR I ONLY HAD MY BP, AND TEMP CHECKED - THIS CHARGE IS FRAUDULENT.
Product: Checking or savings account

On XX/XX/2024, I deposited a cashier 's check into my checking account with Capital One Bank. I did so via ATM. Before doing so, I spoke with customer service representatives who assured me that the ATM would recognize the check as being a cashier 's check and that there would not be any issues with the deposit.

After returning home ( I've had previous issues with Capital One 's mobile depositing ), I received XXXX e-mails. The first stated that my deposit was successful. The second, which came minutes later, stated that there was a hold being placed on my deposit- because of concerns from confidential sources that the check might be returned. I deposited a cashier 's check which means the funds were available and guaranteed.

When I called Customer Service, I was advised what I've just stated. This is completely unacceptable. Guaranteed funds should be available the next business day - and not at Capital One 's whim.
Product: Credit card

I have 2 accounts with Capital One ending in XXXX and XXXX respectively. with a total debt of # XXXX. 

I have been trying to work with Capital one since XXXX to work out a plan on payong off the two accounts that I have with them. Since then the accounts have been sent to collections and since I have no source of income other than XXXX, I can not pay this debt back. 

I am working with an attorney to file bankruptcy, however they advised me to send in this letter with proof of the only income that I have is XXXX and that I am unable to get work because I have no ability to read, write or get transport dur to recent conplete XXXX. Hence, since the only source of income I have is XXXX which is not legally garnishable in a judgement, it is unlikely that this debt will be or can be paid back. I receive such a small amount, that I can not support myself and pay back Capital One at the same time. 

Since the XXXX is permanent and withs the state of inflation, it is likely that things will not improve in the future either Also, with the continued added interest each month and with such a large principal payment, I can not afford even to pay back as little as {$20.00} a month. 
.
Product: Credit reporting

XXXX XXXX XXXX XXXX Mn XXXX XXXX / Dob XX/XX/XXXX REPORT # XXXX EXPERIAN CC Consumer Financial Protection Bureau I 'm exercising my rights to requesXXXX XXXX XXXX t verifiable proof of negitive events you have listed in my credit file The XXXX Disclosure to consumer requires CRA to disclose the sources of information reguarding the negative events that are beging reported by your agency upon request of the consumer this is not a dispute account XXXX XXXX closed account account XXXX XXXX late payments closed XXXX XXXX account That has not been reported on in Years.. 
XXXX XXXX LATE PAYMENTS and all credit inquires that are not showing any active accounts on my credit file I expect that you will provide verifiable proof as required under the XXXX disclosure to consumers If you are unable to provide such proof with in the timeframe I expect these negative events to be remove from my credit file please communicate your intentions in writing. I have asked you to comply and do whats right but you fail to do so.. 
XXXX I have included you in on this Because I 'm going to take legal action if this request do n't get solved ... Also for evidence for my case Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm not using any third party for this matter and represent myself by myself. I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. My personal information was compromised, so as a result I got hard inquires on my report that I never authorized, I have not signed or applied to any of these creditors or companies who posted hard inquires on my report. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didnt have any information on the person who used my information, nor did I know how my information was obtained by this person. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file. 
XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX these items above should be removed from my report immediately.
Product: Checking or savings account

I received the promotion email from Chime on XX/XX/XXXX. It clearly stated that I'll get a XXXX bonus when I refer a friend by XX/XX/XXXX. I referred my friend on XX/XX/XXXX and he signed up using my referral link. Afterwards, he completed a XXXX XXXX of $ XXXX on XX/XX/XXXX and completed all required steps to be eligible for a welcome bonus. 

However, I only received XXXX instead of the advertised XXXX In the email communication, the Chime representatives have given me the runarounds and they stated that I must refer a friend BEFORE XX/XX/XXXX to get the XXXX bonus. This is clearly inconsistent with the promotion advertisement.
Product: Debt collection

3-4 different collection companies have tried to collect this debt of {$2300.00}, that is not mine. I have disputed it and filled out fraud reports to the previous collection companies. Now it is back again. It is from XXXX. I do have a XXXX account that is mine and that I pay every month. This fraudulent debt has been put on my Credit a few times in the past 3 years. And I dispute it, and it goes away but comes back. I pay my bills.
Product: Prepaid card

On or about XX/XX/2023 I payee XXXX XXXX wasn't able to make a purchase when attempting to contact direct Express customer service I keep getting a auto response stating it's peak time call later therefore unable to resolve my issues. This is a shame! People or payees taking care of those with disabilities should always have access to customer service and they should have enough employees to help all customers and payees at all times! I will be asking my XXXX XXXX and Reps to change contract to another card company since this continues to occur from Direct Express card company shame on them for declining transactions and not answering phone for disabled persons and payees.
Product: Mortgage

Constant refusal of  XXXX   XXXX  to modify my loan to offer mortgage assistance to me.     I was told my  XXXX   XXXX  today conversation on  XXXX   XXXX ,  XXXX   XXXX   XXXX  in  XXXX   XXXX   XXXX  of the President that no matter what income I submitted, documents I provided even if I qualified and no matter what I did that  XXXX   XXXX  would never review my documents nor approve me for a modification. This was all stemming from the time it took  XXXX   XXXX  too long to respond to my request for a modification I tried to accept the modification but it took so long that I had no alternative but to sell my house so by the time the modification went through, and I received the modification and tried to take back the offer the buyers began to sue me I was already in contract to sell my house and it was not until I resolved that lawsuit was I free to even take a modification or it would have wiped me out financially and I am a realtor and I could have lost my license. ( see case..  XXXX   XXXX   XXXX   was well aware of this. Either way there was no way to know if th is was even a true offer for a true modification and I have a letter from  XXXX  ells Fargo  stating that I have never been approved for a HAMP modification at this time. Then on  XXXX   XXXX  I applied for a HAMP modification and was denied again even if the reason for denial was the income $  XXXX /mo stated in their letter dated  XXXX   XXXX ,  XXXX  did qualify me for a more than 10 % reduction of my monthly payment ( current monthly payment {$2500.00}, according to the HAMP rules. It would have reduced my payment by 12 % which would allow me to start making payments on my loan which I currently am not allowed to make.
Product: Mortgage

ten years ago took out a second loan on my house filed bankrupcy 3 yra later tryed to refie wes told didnt owe second stoped paying it. six mounths later was sent late notice i now spent 2 years trying to find out if i realy owed it
Product: Checking or savings account

I opened an account with Simple Bank about a month ago. I transferred money in from another bank ( XXXX XXXX ) and my unemployment benefits dd into the account. for some reason, my account has been 'flagged ' and is 'under investigation '. I am single father and laid off. The money that is in the account is all i have to live on - i can not pay my rent, feed my family, or anything right now. All of my transactions are legitimate. Transfers are from national banks, Arkansas unemployment, the federal government, etc. Not only can i not speak to anyone - i am told that there is no eta until the 'investigation is complete '. 2 weeks of unemployment are being held by them. plus all the money i have in the world. they will not release MY FUNDS back to me or unfreeze the account.. THIS IS INSANE. I am no criminal - I am a XXXX XXXX, single father, with no way to feed my family. PLEASE HELP ME. they have literally put me in a desperate situation. I have done not a thing wrong and they have literally stolen my money. I HAVE NOBODY TO HELP ME - this is wrong and i need your help.
Product: Credit card

My latest statement from Bank of America for a XXXX balance total was {$4500.00}. The due date was XXXX XXXX, 2016. I paid this amount in full on XXXX XXXX, 2016. Then received a new statement stating that I owe {$32.00}. I do not understand, nor do I agree to this practice. It is completely non-transparent to the consumer. When you receive a bill stating total due and you pay that total prior to the due date, that should be it. Done. Instead, credit card companies send you another bill. Why is this allowed? I contacted customer service, spoke with XXXX today, and she said they could credit me {$16.00}, meet me half-way. but I would still need to pay the {$32.00} in XXXX and then on my XXXX statement I would see the {$16.00} credit. I intend to close my account so how will I receive the credit of {$16.00}? It 's stupid. And essentially she said that my credit score is affected if I do n't pay. I paid my bill in full as required via the statement they calculated and presented to me and I did it prior to the due date they provided me Nice. The same thing is happening on my XXXX XXXX credit card account. XXXX?
Product: Credit card

XX/XX/2024 {$120.00} was charged to my CitiBank XXXX. I tried to get info on where, who, address sent to and what was purchased with no answer. They extended a temporary credit and then reversed it. XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have credit reporting of XXXX  on my credit report. The account was open on XX/XX/2011. More than seven years for this account on my credit report. I still can not download or access my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are reporting a late payment on my credit report for the month of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that is not accurate at all. There should not be a late payment on my credit report because I was never late. The have no provided any valid proof and I am the only one who can validate this information. I never gave them permission to furnish this information on my credit report. At the moment this is causing XXXX within my life because they are ruining my reputation. They are also in violation of my consumer rights according to the FRCA
Product: Debt collection

Marcam associates called me almost XXXX time a day. After blocking XXXX number they call from a new one. I attached a screenshot showing multiple calls this past week and this is just number XXXX havent blocked yet. I get automated voicemails from XXXX, XXXX, XXXX XXXX, this is beyond excessive at this point for what Im pretty sure are medical bills some from beyond XXXX  years ago.

Im also getting frequent letters from them on top of the calls. For instance I just got XXXX letters in the mail today.