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

Public record information inaccurate ( bankruptcy, judgment, liens, criminal record ) -- I also have Backgrounds issues due to this mix-up. 


Public record information inaccurate ( bankruptcy, judgment, liens, criminal record ) It was brought to my attention that when applying for a job and offered the position I was later denied the position due to inaccurate felonies on my background report that was done to obtain the position. I also was informed that XXXX and Experian have me in collection due to an account from 2015 with cox which I never authorized at all It was someone who had stolen my identity he used my social to open that account in 2015. 7 years later when applying for a job I was notified of the felonies and of the identity theft that occurred in 2015 making 2022 when my statute of limitations starts for legal action. I have disputed with the credit bureaus numerous times I sent disputes proof of who I am still nothing deleted just keep verifying the debt to belong to me which violates my FCRA rights. I sent a lease, social security, bill statements, Incarceration Proof, Police reports, and audio & video disputes. also certified ups mail proof from the post office with copies of what I sent when I sent it. XXXX XXXX has also publicly reported the theft all over my XXXX XXXX reports Violating my FCRA rights as well I also disputed with them and still have received anything back from lexis nexus after disputing with them. The person whole stole my identity is all over a lot of my reports the bureau arent listening and need to be held accountable asap.
Product: Student loan

I have not been able to find a job in my field as well as every time I had to pay a loan and I could not they offer me something and I accepted it but when I later checked my interest rates were really high and I accrued a lot of money over not being able to pay I do n't understand how over one year interest rates could have me paying that much money for something that I could already not pay due to not working all the agents I 've ever spoke with said this would help me out and this would be the best thing for me
Product: Credit reporting, credit repair services, or other personal consumer reports

" n accordance win the Fair Credit Reporting act. The List or accounts below nas violated my rederally protected consumer rignts 10 privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX XXXX, Account name : # XXXX XXXX XXXX XXXX, Account name : # XXXX XXXX, Account name : # XXXX XXXX XXXX, Account name : # 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 card

A few weeks ago, I spoke with a representative at US Bank regarding my business credit card account, and she said that she could simplify my account by adjusting the account from " central billing '' to " personal billing ''. She intimated to me that the adjustment would be quick, simple, and free, as she said NOTHING about any charges associated with the adjustment WHATSOEVER. 

A month later, US Bank assessed a {$75.00} charge against me for making the account adjustment. 

I never authorized the adjustment for {$75.00}. Had I known that the adjustment would cost {$75.00}, I never would have gone through with it. 

By charging me the {$75.00}, and refusing to refund me, I believe that USBank has employed an unfair and deceptive trade practice.
Product: Debt collection

FAILED TO VALIDATE DEBT, CALLED FAMILY MEMBER AFTER CEASE AND DESIST, XXXX ONCE AGAIN VIOLATED DODD-FRANK ACT OF 2009.
Product: Credit card or prepaid card

My XXXX credit card was charged {$2100.00} on an unauthorized charge. 
I 've called twice last week to discuss the issue. I was told twice to expect a call within 48 hours from the Fraud department. I have not received any return calls. 

I 've also attempted to call every day for the last 4 days, but the call remains on music hold for over 30 minutes and I have hung up multiple times.
Product: Debt collection

I was contacted XX/XX/XXXX by XXXX at National Commercial Services related to a car rental claim paid by XXXX for a fender bender in XX/XX/XXXX. I chose not to file with XXXX XXXX, my insurance company, to keep my rates down and paid for all car repairs and a rental car directly. After checking with the other party and her XXXX agent, on XX/XX/XXXX I spoke with XXXX at NCS and emailed him a copy of the credit card statement which showed XXXX and the other party 's name requesting he close the collection. He called today XX/XX/XXXX and left me a message threatening to have my drivers license revoked if I did not pay. When I called him back, he confirmed he had received the email and evidence of payment to XXXX, but continued to push for collection. I considered him threatening and rude. When I told him I paid for the repairs and rental, he said " XXXX doesn't repair cars ''. I told him not to get smart with me, I paid both the shop and XXXX. After he kept going on about this and that, I told him the charge was bogus and I wasn't paying anything. Eventually he said he was closing their file and XXXX would deal with me directly, still threatening, then hung up on me. I am also notifying the DMV to head off any suspension of my license based on this false information since in my state, insurance companies have that power.
Product: Credit card

My spouse added me as an authorized user to her Kays Credit Card Account through Sterling Bank! The bank closed the account! My spouse called to have me removed and they said I was removed but it is still on my credit bureau as an authorized user! I called Kays and they REFUSE to remove it!
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had late payments on an account that i was never late for. 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 screenshot inside this complaint in on dates of : XXXX XXXX XXXX *Refer to Late Payments Guide* Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. I dont believe I was 30 days late from the due date, please investigate and provide me proof for that too.Thanks! Please see screenshots attached :
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practice practices related to their 360 high yield interest savings accounts. Capital One misrepresented the 360 Savings account as having one of the nations highest interest rates, yet failed to notify account holders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.
Product: Credit card or prepaid card

I contacted Wells Fargo XXXX XXXX on XX/XX/XXXX regarding what I feel is a deceptive and unfair practice in how payments are applied to my account balance. This card is for use only with medical/dental expenses provided by approved providers. Wells Fargo XXXX XXXX offers an interest-free/deferred period on each individual charge. If the charge is not paid off within the designated number of months, the full amount of interest ( from the date of the charge ) is added to the balance and accumulated forward. In my case, the rate is 12.99 %. I currently have XXXX separate charges on my account. Payment has been made on a timely basis since the inception of the account. I have paid more than the minimum payment nearly every month in order to pay off the balances of each charge prior to the end of the interest-deferred period. 

In XXXX I paid double the minimum amount for a total of {$300.00}, ( an additional {$150.00} over the minimum payment required ), believing that one of the older charges would be paid off in its entirety and the second oldest charge would be reduced accordingly. I was dismayed to discover when the new statement arrived, that only a fraction of my payment had been applied to the oldest charge. Much of the payment had been apportioned to the newer charges that have more distant interest-deferred periods. 

I talked with the representative and was told that payments are apportioned to all the charges at the rate of 3.5 % of the charge. I feel this is an unfair practice because it makes it more difficult to pay off the balances that will in the nearer term incur the full amount of interest that has accumulated back to the original charge date. 

This is a deceptive practice, leading consumers to believe that if they make sufficient payments to pay off each charge during the interest-deferred period, they will not incur any interest on each charge. 

I understand banks are in business to make money, and interest is a major way of doing so. However, if the bank does not wish to provide interest-deferred accounts, they should not do so, especially under these deceptive circumstances. 

I ask that this practice be reviewed and require the bank to apply payments to the oldest charges first, in the order they were made. This will help consumers be able to pay off charges without incurring large interest charges in the spirit of which they opened the account in the first place.
Product: Credit reporting or other personal consumer reports

It has come to my attention that my previously filed complaint was closed without providing a satisfactory resolution. 

-- -- -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/2023, I canceled an order at XXXX XXXX. The amount of the credit card charge is {$530.00}. 

I filed a dispute with Discover on XX/XX/2023, and on XX/XX/2023, Discover placed the charge back on my account. For your formation, I don't have anything from XXXX XXXX. However, Discover, will not remove the charge?

I will appreciate any assistance you can provide to resolve this matter. 

Thank you
Product: Debt collection

I sent a debt validation letter to cavalry to request information on a debt they are trying to collect from me. I received a letter back with no evidence and the letter stated that I owe them the debt and it's been verified.
Product: Debt collection

I moved out of state and transferred my service to another company about XXXX months ago. 

During that process XXXX assured me everything was fine with transfer and no other action needed by me. I started to get emails about monthly statements. I called and chatted with customer support numerous occasions to verify why I was still getting these emails. They assured me that on their end it all looks good, and that I should ignore emails. 

Now, there is a collections on my account for something they told me was taken care of and to not worry about it.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or a 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: Credit reporting

I went down to the courthouse and spoke to the clerk personally. I verified with her and she agreed that the judgements and bankruptcy listed on my credit report were not mine. I asked how was that possible since you report this information to the bureaus. She stated that they do not report any information to the credit bureaus. So how is that Experian was able to gain access to my inaccessible information?   According to the FCRA, the credit bureaus must verify personally with the creditor. The clerk of the court in this instance would be the creditor. I would love to know with whom you spoke to, their title and date you called. I think you should be able to provide this information forthwith as performing a verification is what you do. Since the information  may  have been obtained by other means and not directly with the court and as I am an intelligent man, I respectfully request that you remove the judgements and bankruptcy from my file.I believe that if I were to take this matter to my attorney that he would concur with me and suggest a lawsuit against your company we would win without a hitch.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is a follows Name : This is my legal name : XXXX XXXX XXXX Please delete other references names as they are not mine and I have never used any of them Address : please be sure that address is listed correctly. My address should be read : XXXX XXXX XXXX, XXXX PA XXXX Employer- N/A Please remove ANY other information you are currently reporting as they are NOT accurate. I have attached my identification card, for your verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is against Experian for reporting an inaccurate address and inaccurate Spouse on my credit file. Experian refuses to correct this inaccurate information even after I provided them proof. 

Experian is reporting and address of XXXXXXXX XXXX XXXX XXXXXXXX NY XXXX. This address is not mine! 
I have complained to Experian both over the phone and via letter but Experian states that they will not remove the address because there might be a possibility that another account would attach to this address. What is that? It doesn't make sense. I have included in this complaint a copy of my notarized admission of my current address. Experian also has the name XXXX as my spouse. This is totally incorrect! This person named XXXX is not my spouse! This is inaccurate and also is included in my notarized letter.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of utmost urgency concerning the presence of fraudulent items on my credit report. It has come to my attention that unauthorized entries have been listed, significantly impacting my financial well-being. This complaint is a formal notification of the urgent need for the swift removal of these fraudulent items from my credit report. 

Upon discovering these unauthorized entries, I immediately took action to dispute them in accordance with the established procedures outlined by Credit Bureaus. I provided all necessary documentation, including police reports and affidavits, to support my claim of identity theft and fraudulent activity. 

Given the severity of the situation and the potential implications for my financial stability, I urge you to expedite the process of investigating and removing these fraudulent items from my credit report. Prompt action is essential to mitigate any further damage to my creditworthiness and to restore the integrity of my credit history. 

I request the following actions be taken without delay : Immediate removal of all fraudulent items from my credit report. 
Written confirmation of the removal and updated credit reports reflecting the correction. 
Assurance of ongoing monitoring and protection against future instances of fraud or identity theft.

I emphasize the critical nature of this matter and urge you to prioritize its resolution accordingly. Failure to address this issue promptly will compel me to escalate my complaint to relevant regulatory authorities and explore all available legal avenues to seek redress. 

I trust that you will treat this complaint with the urgency and seriousness it warrants. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance XXXX {$650.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$310.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX  XXXX Balance : {$650.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  Balance : {$310.00} XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER XXXX XXXX XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXXXXXX XXXX XXXX XXXX # XXXX -DATE OPENED XX/XX/XXXX Account Name : XXXX  $ XXXX -DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Chase Bank refuses to provide proof of these inquiries. My credit has a freeze on it from my identity theft in XXXX. I have inquired many times.
Product: Credit card or prepaid card

I booked my XXXX to XXXX using Chase XXXX XXXX. The flight I booked with XXXX XXXX on XX/XX/XXXX traveling on XX/XX/XXXX using my reward points. The flight was later canceled by XXXX XXXX and I requested a refund. After a long wait, XXXX finally refunded the money to Chase in XX/XX/XXXX, and chase provided me with a future travel credit of XXXX XXXX Due to this issue, I decided to close my account with Chase in XXXX of XXXX. 

I contacted Chase on XX/XX/XXXX to use that travel credits and they refused to book the travel mentioning the airline already refunded the money. The only thing chase can do is refund me XXXX $ which is the dollar equivalent to the points I used and not the value of travel credit. 

Chase promised me a future travel credit of {$860.00} which they are unable to fulfill and forcing me to take a refund of {$570.00} a lower amount than its worth.
Product: Money transfer, virtual currency, or money service

I can not get the customer service to respond back to me over months now. There is no person to talk to resolve my issues. I can not get access to my account and they do not help.
Product: Credit reporting or other personal consumer reports

15usc 1681 In accordance with the fair credit reporting act. The list of accounts below have 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 U.S.C 1681 Section 602 A. states I have a 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 didn't see any fax number or an email address to send other information to. Since there is no way to update my information and phone number on the CFPB website or at Chase Bank here is my information again ...... 

XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX Due to my XXXX XXXX Chase can only contact me be email due to their employees and executives always finding a way to be sarcastic and rude XXXX  me to have an outburst which they know is associated with my XXXX XXXX XXXX. If Chase Bank close my account the same day i'm due to get my direct deposit on XX/XX/year> it'll cause me a XXXX XXXX having to wait 30 days for XXXX to issue a replacement of those funds XXXX mean mysekf and my XXXX XXXX XXXX XXXX  will be with out our XXXX  and no way to pay for transportation when we need it. I don't have to call Chase anymore but i can't allow their employeesto be rude then try to play the victim so i take FULL RESPONSIBILITY for my outbursts caused by Chase employees when i'm provoked which is why when i call anywhere i tell everyone I'M XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SO I CAN'T BE ON LONG CALLS AND LONG HOLDS yet they keep you on a long call and jold anyway. 

On XXXX  XXXX JP Morgan Chase had someone name XXXX call me. Even after i made it CLEAR in my first complaint that i'm XXXX and i deal with XXXX XXXX so it's best that i do my complaints by email yet Chase Bank violate my request and had someone call me anyway. I included a screenshot of the incoming call and the voicemail. I'm able to read my voicemails and this is the message XXXX left. Yet when i called back i couldn't get a human being on the phone so if anyone at JP Morgan Chase Bank try to lie that i refused to talk with anyone i have their voicemail and when i answered the call XXXX then hung up instead of saying hello like a normal human being. 

Chase just need to not close my account. Their employees provoke their customers then try to play the victim. Chase employees are not victims they're the PROBLEM. Even when i go in their Branches their employees will XXXX  XXXX  you, not get a Supervisor when asked, or they keep you in an hour long line at the counter, in the drive thru and some Supervisors at the two Chase banks i go to are never anywhere to be XXXX