23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I places and order but never get it and they are charging my acount >> I call so many time and they said that they will give me a credit back this it being couple of month now i call them the first time back on XXXX XXXX ... ... and XXXX  that i being calling XXXX XXXX and all XXXX  time XXXX  said that XXXX is being proces on my account but now they report XXXX  i have not make any payment and my credit it being affect for that XXXX  Order Number # XXXX {$930.00} total I pay {$200.00} on a gift card and the rest on my Kohls card
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

Equifax not only was unwilling to look into the inquiries that were a direct effect of having been the victim of identity theft caused by XXXX County Department of XXXX XXXX XXXX and their negligence resulting in a data breach and my birth certificate being stolen out of their file for my case with them. Also I had to pay out of pocket for this document to be replaced and still haven't been recompensed. 

But also my birthdate and social security number weren't correct in Equifax XXXX database.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding the inaccurate reporting of late payments on my credit report by XXXX XXXX. I have attempted to resolve this dispute directly with the credit reporting agencies but have not received a satisfactory resolution. The incorrect reporting is as follows : Account Information : Creditor : XXXX XXXX  Account Number : XXXX Date ( s ) of Reported Late Payment : XX/XX/XXXX, XX/XX/XXXX Balance : {$690.00} Past Due Amount : {$110.00} Legal Background : As referenced in XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ), credit reporting agencies are obligated to conduct a thorough investigation of disputed information. The court ruled that relying solely on automated systems to verify disputed information is not sufficient under the Fair Credit Reporting Act ( FCRA ). My right to accurate and fair reporting has been compromised due to the mishandling of my account information. 

Action Requested : I request that the CFPB initiate an investigation into this matter and compel both the credit reporting agencies and XXXX XXXX to provide : Internal Records and Documentation : Documentation proving that these late payments were accurately reported.

Investigation into Reporting Practices : Confirmation that Metro 2 standards were adhered to when reporting this account, and that the reporting agencies conducted a thorough investigation into my dispute as required by law.

The continued reporting of inaccurate late payments has negatively impacted my financial well-being. If the credit reporting agencies and XXXX XXXX can not verify the accuracy of the information, I request the immediate removal of these inaccurate late payment entries from my credit report. 

I look forward to the CFPBs assistance in resolving this matter.
Product: Credit reporting or other personal consumer reports

To whom it may concern, while checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : inquiries : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX I did not authorize anyone employed by this company to make any inquiry and view my credit report this is a violation of the fair credit reporting act section 1681 b ( c ) and a serious breach of my privacy rights. 

Please validate this information with this company and provide me with copies of any documentation associated with this account bearing my signature, authorizing an inquiry. In absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number Please note that you have 30 days to complete this investigation, as per the fair credit reporting act section 611.
Product: Credit reporting or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

XXXX XXXX AUTO XXXX
Product: Credit card or prepaid card

My payroll check is deposited into this account. On XX/XX/XXXX XXXX XXXX tickets were purchased using my card totaling over {$4800.00}. There would be no reason for me to make such a large purchase as my tickets are discounted at a very low rate to free. I called XXXX  ADP/ XXXX  XXXX  to file a complaint XX/XX/XXXX and was told it would take 90days to complete. At the end of their investigation I was told no error was committed and that I wouldnt receive a refund. I did not make the purchase. XXXX said its a bank issue and no one will provide me with any information on where the tickets. My account was hacked. Fraud was committed Id like my money back from these people.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard Inquiries not authorized on my XXXX credit report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( multiple ) XXXX XXXX XXXX XX/XX/XXXX ( multiple ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( multiple ) XXXX XXXX XXXX  ( multiple ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( multiple ) XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I received an email from my XXXX XXXX XXXX indicating that my credit score has changed drastically on Saturday XX/XX/year>. So I checked my alert inbox on my chase credit journey app and found that there was a credit usage change from Barclays Bank Delaware with an outstanding balance of {$20000.00}. At this moment in time I did not know which credit card that belonged to Barclays. So I called the number listed on this alert paged, provided information needed to see my account and found out that this was a XXXX XXXX XXXX XXXX account. 

Now with some background information : I did open a XXXX XXXX XXXX XXXX back in XXXX of XX/XX/year> but this credit card was recently closed due to inactivity. 

Back to calling a representative from XXXX XXXX  : I provided my information in regards to this account however the representative on the phone stated that this account has been closed for a couple of months now and there is no such outstanding balance ( {$20000.00} ) on this account as well. They also stated that there are no other Barclays accounts listed on my name and address. They then told me to notify XXXX of the XXXX credit bureaus to file a dispute on this credit charge. 

I was totally unaware of these credit care statements because I have not gotten any mail or email of payments needed from XXXX XXXX, it was only when I found out that my credit score drastically dropped was when I noticed this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit card with first XXXX XXXX  where I had remained steady on payment s up to a few months ago I had noticed a credit card from XXXX XXXX that had over a XXXX charges. I had never opened the card and we had tried calling to dispute but they would hang up. I ended up paying in full and on my credit reports both accounts were listed as account closed by them. Now they are listing these accounts as open and with balances. How can they add money to cards closed. I never once seen a bill from them and I tore up the credit card. I can sow you bank statements and my old credit report which shows accounts closed and written off. Please I need help since they are ruing my life
Product: Credit reporting, credit repair services, or other personal consumer reports

the credit bureau never did a propre " investigation " according to the FCRA the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such information.

they did not do this.

Also, they have violated my right even more in accordance with the Fair Credit Reporting.

The credit bureau stated my account was properly investigated, but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is ground for removal.

They also violated the law, because according to 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 Comsumer reporting agency can not furnish an account without my written instructions.

I did not give anybody written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO LOANS OR LEASES 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX CO with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Checking or savings account

On XX/XX/year>, my Social Security check in the amount of {$2300.00}, should have been in my XXXX XXXX XXXX XXXX account by direct deposit. It was not. On XX/XX/XXXX, I went to the local XXXX XXXX XXXX Social Security office. They did a search and discovered my check had been rerouted to an account in XXXX, FL at the JPMorgan Chase Bank. I received a print out of all the transfer information and was told by Social Security I would have to follow up myself regarding the fraud. 
I called Chase Bank in XXXX, FL. Based on my information, a teller found the fraudulent deposit of my check into one of their accounts. She could not help me further, providing me with the XXXX number to their Fraud 's Dept. The number identified itself as Customer Service. A gentleman stated it may be a mistake rather than Fraud ; that they could not give out any information due to protecting their customers and they would Not remove it from their account ( even though I had the Social Security print out of the fraudulent transfer ). He was rude. 
I called that Fraud dept again on XX/XX/year> requesting a supervisor who I talked to : he put me on hold after which I was transferred to an automated system and disconnected from Fraud Dept. 
To date, my XXXX XXXX account remains overdrawn from auto payments, as well as numerous overdraft fees on such. 
The only solution is for the XXXX FL Chase Bank to return that deposit to the Treasury Dept, to be reissued and deposited into my account. 
It should be noted that I subsequently received a letter ( dated XX/XX/XXXX ) from Social Security confirming the rerouting of my direct deposit acct. This letter reached me on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed an error on the following account : XXXX I have disputed this before with no proof of late payment and have been refused a proper investigation
Product: Checking or savings account

Declined transaction on XX/XX/2023 approved XX/XX/2023 after I paid XXXXXXXX XXXX  XXXX XXXX and a travel check XXXX from Truist to get my Car back on XX/XX/XXXX. XXXX claims they did not receive the partial payment XX/XX/XXXX of {$3000.00} XXXX. And Truist will not give me my {$3000.00}.
Product: Credit reporting or other personal consumer reports

These is my several endeavors to tell you that I am a XXXX XXXX XXXX XXXX  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 Balance Owed : {$440.00}, XXXX XXXXXXXX XXXX Balance Owed : {$310.00}, XXXX XXXX XXXX XXXX XXXX Owed : {$0.00}, XXXX XXXX XXXXXXXX Balance Owed : {$440.00},
Product: Credit reporting or other personal consumer reports

I am requesting the removal of my full birth year and Social Security number from my TransUnion credit file to enhance privacy and protect my personal information. 

I previously submitted documentation under Report Number XXXX, including : A copy of my drivers license A copy of my Social Security card A recent utility bill verifying my current address Despite providing all requested documents, I was informed that the submission was unacceptable. I am now resubmitting the necessary information and seeking confirmation that my request will be processed promptly. 

Please confirm the removal of my birth year and Social Security number or specify if additional documentation is needed to complete this process.
Product: Debt collection

Hi, I received a collection call today from XXXX ( IQ Data Inc ) regarding a debt for XXXX XXXX XXXX  XXXX XXXX. It's totally unacceptable because first of all, I lived there for more than six years ago and I'm pretty sure that I don't owe them anything. I remember that 30 days after I left and noticed that didn't receive my deposit back, I only received by mail a letter with absurd amounts related to replacing the carpet and minor repairs to the wall. 

When I emailed them using their ( Contact Us form on community 's Marketing Website section ), I questioned why the prices were so high, so that time a XXXX representative ( XXXX XXXX - XXXX ) was replying all my emails and one of the emails she was apologizing in regards the wrong estimate that I received by mail to replace the carpet and to fix minor wall repairs, so she came to the conclusion of a completely different and lower amount than the one that I had received in the mail. 

Finally, I was informed by her on XX/XX/2015, XXXX XXXX, that the final amount would be {$320.00} ( they already got my deposit that time and never gave me back ). My deposit was suppose to cover for all the repairs that they mentioned but they decided to over charged me that time and charge an extra amount ( the one mentioned here ) to replace the carpet and minor wall repairs. Lastly, I agreed immidiatelly about the final amount ( extra amount ) and asked her how should I make the final payment, once they said my deposit will not cover for all this expenses. 

On XX/XX/2015 at XXXX XXXX, I also informed her that I would be going there that day to drop the payment that was agreed between us by email. 

I was reading my emails again now with her and I noticed that I mentioned to her that I will drop-off a money order and not a check. I just called XXXX XXXX ( the company that I purchase 99.99 % of my money orders ) and they said that I need to request by mail a " Money Order Research, but it could take 6 to 8 weeks to send me back the results and we cant wait all this time. This is not fair because Im pretty sure they lost my money order that time based on the call that I received today. 

I don't understand how a company like XXXX XXXX XXXX does not have a copy of my payment anywhere there. I will fight to proof my innocence because I know this was paid on XX/XX/2015 when I dropped the money order there that day. Im going to also file a dispute now on ( https : //www.consumerfinance.gov/complaint/ ) about this. 

I just tried to contact XXXX XXXX by phone and e-mail but her email is not working and I couldnt find her by phone as well.
Product: Checking or savings account

I have business account with Chase Bank. I used a service called XXXX that belongs to Chase Bank to accept payments from clients. 
As instructed I followed the steps to send my client a payment request, my client paid the invoice. Later in the day I get an email from Chase Bank saying the transaction failed because the transaction had the incorrect or different name linked to my account. So I called Chase Bank support and they couldnt assist me on it, another lady told me that my account was permanently closed and the funds were going to be held back until I file an appeal up to XXXX moths waiting time. I tried to contact them but they said itll take some time for them to contact me back. Very unfair treatment and I demand this problem to be solved.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 hard inquires on my credit report which i never authorized. I authorized XXXX XXXX XXXX XXXX XXXX MO to do a hard inquiry for a car loan. They did. Then they sent my information to 3 other credit agencies, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. XXXX XXXX approved me, but the issue is I did not authorize them or the other two companies to preform a hard inquiry. Only XXXX XXXX. I found this on my credit report ( Transunion and XXXX ) The 3 offending credit inquiries only show on Transunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was on my familys auto insurance plan and they began looking for new auto insurance in the month of XX/XX/XXXX. When my father was discussing new auto policies with the agent, the agent informed him that LexisNexis is reporting that I had been issued a ticket in XX/XX/XXXX in the state of Washington along with a vehicle fuel charge along with that ticket. This is very inaccurate as 1 ) Ive never driven to Washington or even have been to the state of Washington. 2 ) I have an all electric vehicle and have owned it since XXXX so there would not be a vehicle fuel charge since my vehicle is all electric. 

I paid the Utah XXXX to pull my driving record and send it to me in XXXX under my license number and my driving record is completely clean with no tickets. I also called Washington courts to check my drivers license number and search for a ticket but they have no record of me under my license number, name, date of birth, and SSN. 

I provided LexisNexis with this information and they still have not removed this from my report. I am unable to renew my auto insurance as the insurance can not give me a fair rate due to this inaccurate reporting of a ticket under my account. 

I need this resolved ASAP so I am following up with LexisNexis weekly but they are making no progress.
Product: Debt collection

They came to my house and threatened to send me to jail and arrest me. However, West Lake Financial does not have an address on a credit report and could not provide all information, plus the following is incorrect : Status Account charged off. {$4200.00} written off. {$3.00} past due as of XX/XX/year>. " This information is inaccurate because : An account that is written off can not simultaneously be reported as past due. The date listed ( XX/XX/year> ) conflicts with the charged-off status. The balance reporting as " written off '' and " past due '' simultaneously creates a misleading account of the debt.
Product: Credit reporting or other personal consumer reports

I talked to XXXX and TransUnion and I was told their credit scores aren't reported the same as XXXX which are XXXX points higher. My issue is their reporting I have very bad credit their reporting under XXXX. No collections late charges or bankruptcies.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality 15 USC 1681 XXXX XXXX  Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX  acct # XXXX XXXX  XXXX  XXXX acct XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX  Acct # XXXX XXXX  acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX Acct # XXXX XXXX  acct # XXXX XXXX acct # XXXX XXXX  acct # XXXX 15 USC 1681 section 602 A States the right to privacy 15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681c ( a ) ( 5 ) Section States no consumer reporting agency may have any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 USC 1681s-2 ( a ) 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 in accurate.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate deletion of an unauthorized inquiry on my credit report. As a victim of a data breach, I did not authorize this inquiry, and I am exercising my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to request its removal. 
Unauthorized Inquiry to Be Deleted XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/year>
Product: Credit reporting or other personal consumer reports

I requested accounts be validated and signed written agreements with named companies to which I never received. After making the credit bureaus aware of these accounts not bring mine and numerous times over the past XXXX years of my social security number being stolen and compromised and used in XXXX XXXX, XXXX, and XXXX security and data breaches the XXXX main credit reporting agencies not only kept the accounts on my report they relisted them as if there new accounts restarting the age of them.