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

TransUnion XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Verification of Account under Section 609 Dear TransUnion, I am writing to request verification of an account listed on my credit report, as provided under Section 609 of the Fair Credit Reporting Act. I have also contacted the creditor directly, and they were unable to verify the account. The details of the account are as follows : - **Collection Agency : ** XXXX XXXX XXXX - **Original Creditor : ** XXXX - **Amount : ** {$260.00} - **Date Reported : ** XX/XX/XXXX I am concerned about the accuracy of this account for the following reasons : 1. **Incorrect Date Reported : ** The date reported is listed as XX/XX/XXXX, which is a future date and can not be accurate. 

2. **Discrepancy in Amounts : ** The highest balance is reported as {$250.00}, while the collection amount is {$260.00}. This inconsistency needs clarification. 

3. **Incomplete Information : ** The report lacks critical details such as the account type, credit limit, date of last payment, and amount past due. 

I have contacted XXXX XXXXXXXX XXXX to verify this account, and they were unable to provide the n

ecessary documentation to confirm its accuracy. Therefore, I am requesting that TransUnion provide me with a copy of the original signed contract or any documentation that verifies the accuracy of this account. I am also requesting a detailed explanation of how this account was verified. Please find attached a copy of my identification and a copy of my credit report with the disputed item highlighted for your reference. I expect your investigation and removal of the account response within the 30-day period as required by law. Please inform me of the outcome of your investigation and provide the requested documentation. Thank you for your prompt attention to this matter. I look forward to your response.
Product: Credit card

Had ordered their lifetime service from the company " XXXX XXXX '', for the XXXX XXXX XXXXor {$1500.00} via PayPal Credit on XX/XX/23, being assured that you would be able to make your money back to pay back PayPal Credit within 6 months, and even had a calculator to see what you'd expect for average returns. Wasn't able to start with the service until a week after purchasing the service, was told and also got reconfirmation from the merchant, that since my bot service hadn't been started yet, would have 30 days from the activation date to cancel and get my refund. Come 30 days later after activation of my service, came to check out the performance, with the gains being nothing close to what was being advertised, and would take approximately 10 years to finally pay off the lifetime service at that rate to PayPal Credit. Emailed their billing department for a cancelation and refund, they cancelled my lifetime service, but then didn't issue my refund on their 100 % money back guarantee. Filed a dispute with Synchrony Bank 's PayPal Credit, only to discover that the merchants are using the policy to protect themselves from having to give back money that people have invested with them under false pretenses, while telling the bank, various excuses as to why they shouldn't pay via, customer is outside of 30 day policy limit for refund, when verbally instructing customer to refund outside the policy limit before they'd " issue a refund '', claiming customer didn't return merchandise, when it was a service, with nothing to return, etc, have been dealing with this endless loop of disputing for a whole year now, and am just wanting my refund, since this has been negatively damaging the personal credit, while am not trying to pay for a subpar lifetime service that I'm not receiving, nor even received a product like they claim, but still required to pay for something that with no sustenance. Would like some help getting my money back from this Ponzi Scheme merchant, that has been conducting bad business via fraud, and is being willfully non-compliant. Have submitted numerous documents to Synchrony Bank, proving beyond any reasonable doubt that fraud is being conducted by the merchant, and yet nothing is being done to resolve this case of bad business, that's damaging the credit report
Product: Debt collection

Esser, James & Associates called my fathers phone and stated that they were trying to get a hold of me. They stated that their client is giving me one last chance to speak to them before the start the litigation process. They left message also stating that if he is in contact with me to please have me call them at XXXX. I am not associated with my father except by address from XXXX years ago. It startled my father in thinking I was in trouble because of the agents tone by stating " last chance ''.
Product: Credit reporting, credit repair services, 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. 

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 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. 

These inaccuracies are keeping me from obtaining new credit
Product: Debt collection

On XX/XX/2020 I was sent a letter by this company attempting to collect debt part of Identity Theft already reported to the Police Department. I have a credit fraud alert on my credit report and the agency has already been contacted to alert them of this but I keep receiving phone calls.
Product: Credit card or prepaid card

I have a charge in XX/XX/30 in a XXXX store for XXXX for a service that service that I found out that it was free after contacting the store. 

I dispute the charge with the credit card for a few reasons : -The service provide was free ( sim card for my second phone number ) according with the company after i called and confirm with them -It was provided a receipt at the store for what was being charged in my card. ( After the dispute they provide not for me, but to the bank the receipt -the store didnt tell before that that was a charge for the service. 
-After the dispute with the bank, the store is saying that they set up the phone with the number. They did not set up my phone. The only provided my the sim card. 


The bank refused to reopen the dispute.
Product: Credit card

I applied for a Barclays aviator XXXX card, though approved, I never received the physical card. Called in, they froze my account and demanded that I send in verification documents. I have sent documents in biweekly since XX/XX/year> and every time they have been rejected. They demanded either a US drivers license or passport. I am a XXXX citizen and do not have these documentation. They have denied my request to close the card, resend the card or to in general verify my account. It is simply impossible for me to provide the documentation they asked for. 

They continue to charge me interest and damage my credit history, while denying my right to close the card.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and the most updated information that is being recorded For the following account XXXX XXXX and account number XXXX is INACCURATE. According to 15 USC 1681s -2 ( f ) a person may not provide any information related to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is incorrect. My report states that on XXXX the account is CLOSED, Equifax as OPEN and XXXX CLOSED. 

Also the last activity showing on my report stated that XXXX recorded XXXX XXXX and on my EQUIFAX showing XX/XX/XXXX XXXX XX/XX/XXXX. 

Allow me to also mention my monthly payment on XXXX that reported {$0.00} EQUIFAX {$570.00} and XXXX {$0.00} The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy and fairness, I request immediate Deletion of this account from my credit report. Please provide me with a copy of my new credit report showing this account deleted upon completion. 

ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau and the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and I have not received any response from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX XXXX XXXX {$6500.00} XXXX XXXX XXXX XXXX {$540.00} XXXX {$0.00} XXXX XXXX {$540.00} XXXX XXXX {$870.00}
Product: Checking or savings account

I am filing a complaint about the erroneous money missing from my account. 

Everything needs to be disputed, minus the large transaction for the vehicle purchase, until verification of it not being misrepresentation about the condition of the vehicle
Product: Prepaid card

Someone canceled my card and this was on XXXX and has been going on since then I have not been paid for two months I'm about ready to lose everything because I can't get direct express to talk and let me know and when I did talk to them they wanted me toa send the pic of my id and know they want my social security card and birthcertificate and I've done I've done everything they've asked me to and nothing has been resolved I
Product: Checking or savings account

Deposited {$50000.00} into checking account with Citibank XX/XX/XXXX via digital transfer online to receive their claim of {$750.00} reward if leaving such amount deposited for 2 months. 
Also deposited another {$45.00} from another account as well as depositing a check for {$850.00}. 
Instead of honoring their advertisement, they froze my account due to " possible fraud '' from depositing a check and have held my money hostage since. 
Not only did they finally admit to the initial {$50000.00} but they would not add the amount of the {$850.00} check deposit without confirmation from the issuer EVEN THOUGH they had already withdrawn the funds from their account. 
They where actually going to just keep that for themselves as well. 
Now that we've gone through these steps, it's XX/XX/XXXX and 30+ calls later, each employee that answers my call either hangs up on me after putting be on hold for 30 minutes ( AT LEAST, ) but never has the information " taken down '' from the last call. 
Ask for a supervisor, and they give you someone that gives you the same lines and hangs up on you after waiting sometimes an hour. 
Every time I provide information again, it's " not in the file, '' but they DO have my " case number. '' Refuses to give a phone number for a legal department and most refuse to give you an employee or supervisor ID number. When they do, it's fake. 
Supposedly going to get a call from a superior in 24-48 hours for the third time. Hasn't happened once.
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 Account Number : XXXX Account Name : XXXX XXXX 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: Checking or savings account

I tried to open an account with my jobs credit union and they told me that I could n't get an account with them. I looked on my XXXX and I have some accounts that are on XXXX as closed with cause. I looked and it was XXXX banks but XXXX different types of information. Ally Bank date closed XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, I would like for this company to make the status just closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/2021 Equifax received Affidavit of Truth, Invoice and Cease and Desist. Attached please find proof of delivery. On XX/XX/2021 Equifax closed the dispute. Equifax has failed to answer and respond to each of the Facts stated in the Affidavit of Truth. Equifax has failed to pay the Invoice to compensate me for every consumer right violation. And Equifax has failed to comply with Cease and Desist against XXXX XXXX by not deleting this account. XXXX XXXX is to cease desist all communication with me through any and all mediums. A consumer report is in fact a medium. Which means it is a communication. To comply with the Cease and Desist this account needs to be deleted. By Equifax continuing to report this account it is a indirect communication and violation to my Cease and Desist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 60 days!!! When I call to check on each respected document with each bureau, I am given the " run-around ''. I am being told that they have not received said documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times ; I am still given the same response. I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting

I reviewed my credit report with Experian and learned of an account with XXXX XXXX that I am not familiar with. I attempted to dispute this account with XXXX XXXX via certified letter with the contact information provided on my credit report by Experian as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX This letter was returned to me on XXXX/XXXX/16, not deliverable. I then sent a certified letter of dispute to Experian requesting this account be deleted from my personal file due to inaccurate reporting information with copies of my returned certified letter and proper identification. The above case number was assigned as a result of my letter of dispute of inaccurate information. On XXXX/XXXX/16, I received the results of Experian 's investigation, via letter, stating the account was " updated ''. I reviewed the updated information, and the contact address for XXXX XXXX is still showing as the original address I attempted to send my letter of dispute. ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) I am unable to dispute the account with XXXX XXXX to the validity of it being mine, and I have no alternative as how to settle. I am enclosing copies of my returned certified letter to XXXX XXXX, the results from Experian on the investigation of XXXX XXXX as to my dispute of inaccurate information, a letter of Request of Investigation Validation by Experian, and my XXXX request of the deletion of XXXX Funding from my personal file. 
Any assistance in this matter will be so greatly appreciated. I look forward to hearing from you.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX : XXXX has violated my rights. 

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

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

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

I reviewed my consumer reports and I noticed that I had 2 late payments on an account I was in fact never late on. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshots of inside this complaint, on dates XXXX XXXX XXXXXXXX for account # XXXX, and dates XXXX of XXXX for account # XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I DEMAND these payments to be updated to paid as agreed on time as they should be due to the fact I was never late. Even in the screenshots you can see the inaccuracy of the reporting. Thanks! Please see screenshot attached :
Product: Bank account or service

wells fargo bank merchant services opened a account on XX/XX/2014 since then the have been taking XXXX a month from my account automatic for the fees we called them on XX/XX/2014 to let them know we wanted to cancel not open the account. We also send a letter stating the same copy in file the he have being trying to resolve this from day XXXX wells fargo has done nothing but keep charging the XXXX monthly fee and almost always charging a XXXX dollar fee also this action from wells fargo is also affecting other transactions also causing a fee of almost XXXX for each item average of XXXX a month Wells fargo has done nothing but to charge the monthly payment and fees looking to get this resolved asap thanks for your help.
Product: Credit card or prepaid card

Good Afternoon, I had filed a fraud claim with Navy Federal Credit Union for transaction on XX/XX/23 for {$340.00} with XXXX. We had reserved the vehicle picked it up XXXX, VA, however due to MAJOR issue with the vehicle that jeopardies the safety of my family we had to change while driving in XXXX, KY. When we arrived to KY airport they gave us way smaller vehicle. I had provided all document to navy federal the report that was made all the paperwork receipt agreement and they did nothing. No proof of attempt to collect the amount, charge back request nothing all I got was we are sorry. As a consumer they did not provide any protection or even assistance. I had called NFCU several times to asked if there is any addition docs need and they and they stated all is good, until it was not and said that they are unable to assist and the claim is decline.
Product: Checking or savings account

On XX/XX/year>, I received a letter from Chase Bank stating that my checking account ending in XXXX would be closed due to claims abuse. I was shocked because all disputes I filed were for legitimate unauthorized transactions or merchant issues. Despite my attempts to appeal this decision, Chase refused to review my case fairly.

I immediately contacted Chase through the Secure Message Center and the Executive Office to request clarification and appeal the closure. I asked them to explain which claims they considered abusive and to allow me to submit supporting documentation. Instead, I received vague responses and was told the decision was final without any review of my evidence. 

I also expressed concern about whether Chase would report this account closure to XXXX or XXXX XXXX XXXX XXXX XXXX XXXX. I requested that Chase ensure my records remain clear if their allegations were unfounded. I did not receive a clear answer.

I am filing this complaint because : Chase closed my account without providing a clear reason or a fair appeals process. 
I was not given an opportunity to dispute their allegations or present supporting documents. 
I am concerned that Chase may report this closure to XXXX or XXXX, which could harm my ability to bank elsewhere. 

Desired Resolution : 1. I request that Chase reconsider my account closure and conduct a proper review of my claims history.

2. I request written confirmation that this closure will not be reported negatively to XXXX or XXXX XXXX XXXX 
XXXX. If Chase has already reported the closure, I request that they remove the record, as the closure was based on an unverified accusation. 

Thank you for your assistance in resolving this matter.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit Union regarding multiple overdraft fees. I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds, I believe these practices are unfair and request and investigation into my account transactions