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

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Checking or savings account

On XX/XX/2019, I initiated a transfer via XXXX from my Citizen 's bank account in the amount of {$610.00} to my XXXX  XXXX XXXX Checking account. I received confirmation that the amount was sent and I accessed my XXXX  account a few minutes later when I didn't receive a confirmation email from either bank. The funds were not in my XXXX  account so I checked my Citizen 's bank account again and on the activity page it showed that the payment failed. The funds were not back in my account. I contacted Citizens Bank  concerning the matter and they advised me that XXXX denied the funds and when they receive them back they will credit it back to my account. Since then I have been sent back and forth between XXXX and Citizens bank to different departments and I still do not have my money back in my account. Each bank blames the other and now I have no funds to go to work or my weekly physical therapy appointment. This has been a nightmare and neither institution seems to care or know where my money is. This is the 1st day that I have missed from this situation and I will not be getting paid for this missed day.
Product: Bank account or service

XX/XX/2015 I applied for a new Citibank checking account that had a promotion ( XXXX XXXX : XXXX ) to award me XXXX XXXX XXXX AAdvantage Miles after I completed certain requirements. After having opened the account I reached out to a Citibank Representative to confirm my account 's proper enrollment in the promotion and date by which I need to meet my requirements in order to receive the bonus XXXX miles. Attached is a copy of the terms and condition of the promotion that i received during the opening process of my application and also a copy of the confirmation of account being opened. Since then I have met all the requirements for the promotion and have also had repeated phone conversations with Citi Representatives that have confirmed my eligibility, and that i have had met all the requirements for the promotion. Yet after nearly 7 months i have not received my points. As a XXXX Year Old XXXX male I already feel being taken advantage of as a XXXX in many walks of life, now I have a reputable organization doing the same. How is it that I am required to hold my end of the bargain, but Citibank does not? After multiple conversations and confirmation from Citi Representatives now all of sudden Citi says I am not eligible? Citi is pulling a classic bait and switch on me and should not be able just walk away from promises made to customers for monetary benefits of their own. 
I am asking that Citi upholds its promise and award me the XXXX XXXX miles as deserved after having met all their terms and conditions.
Product: Debt collection

Good morning my name is XXXX XXXX and I appreciate it if you could help me put a stop to Chase Bank cardmember services. 
In 2018 I wrote to Chase asking for debt verification and what they sent me a statement which is not acceptable. I am asking the bank to validate the debt. Instead I been receiving mail every month from them attempting to collect a debt. 
I have a right to know this information as a consumer. 

Chase account # XXXX XXXX XXXX XXXX Thanks in advance for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am serious about the applicability and reliability in the recent study along with the missed payments pertaining to American Honda Financial with account number XX/XX/XXXX and exactly how it is reporting on my credit report as late. With Section 1681 ( g ) I highly recommend them to generate me personally with a detailed description of the procedure designed to verify the account is " accurate '' but no information received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations persist on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is a terrible harrassing debt collector. My debts are in order. Their info and constance for nearly 16 years! Must END. I do not owe XXXX I do not owe Asset Advantage Co. They are 3rd party charged off accts closed w my divorce attorney during my XXXX battle in XXXX. Please cease their mailings. I can not deal with any collectors! They were told repeatedly to stop. Their letters to my jobs. Enough! I am a patient at XXXX XXXX XXXX. I pay my home car and medical and utiluties only. I am not bringing back charged off debts from my 1st XXXX. Any accts were closed properly with XXXX XXXX years ago. Tell them to stop contacting me. I called NJ Ethics Div numerous times. I filed with CFB years ago. Why do they not cease!? My career js ending XX/XX/XXXX my co. Is not doing well. I am a XXXX patient and single parent. I am trying to find a new career and take care of my health. Please contact them asap. Also XXXX XXXX get them to remove off my credit report. My car was protected under lemon law in XXXX. They had a class action against them too. Please square away both. I am not well to handle all this unnecessary stress. XXXX XXXX of NJ first and foremost has incorrect and old old old info They buy charged off debts and harrass people. XXXX was XXXX and a refinance. Handled properly. Adv Assets i have no debt ever for. So please or I will file a police report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX I mailed a certifed dispute letter to JEFFERSON CAPITAL SYSTEM and they never responded nor sent back any correspondence. it has been more than 30 days!

there is multiple inaccuracies on my credit report. 
XX/XX/XXXX I mailed a new dispute in hopes my deletion request is honored.

this company is violationing my rights and they have over 1200 complaints on XXXX  they also have over 300 complaints with the CFPB
Product: Credit reporting or other personal consumer reports

In XXXX XXXX XXXX XXXX XXXX  was in short sale. XXXX refused all 3 offers from the primary lender on the property and the short sale never happened. The house went into foreclosure and was auctioned off as indicated on my credit report under XXXX XXXX XXXX  in XXXX of XXXX, labeled with an " XXXX  ''. When the house was foreclosed upon, XXXX lost the lien on the house and it became an unsecured debt. XXXX failed to report the foreclosure in XXXX of XXXX  and has been reporting the mortgage debt for the last 5 years only to charge it off recently. This blatant and intentional false reporting has ruined my credit for years and precluded me from securing a mortgage.
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 Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and 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 or other personal consumer reports

My name is XXXX XXXX. I am not a XXXX party. I am a natural person submitting this complaint, and I am requesting that these negative items be removed from my consumer report. The current address is my only deliverable address, which is the only address I want on file per the FCRA since its not deliverable it should not be on my file.
Product: Debt collection

I was contacted over 20 times about resolving a debt that I have never created. I was left multiple voicemails from someone telling me that they were attempting to serve me with documents. I was told that I was being sued and that my wages were going to be garnished from a XX/XX/2006 debt with us bank, due to this being a bank it was a federal crime and I could be imprisoned. I called them to see who they were and what the debt was for. I was never given a name for this company I only obtained this by doing a XXXX search for the phone number. The person I spoke with kept saying that she was happy I was willing to pay, which I never agreed to do. I asked for a letter stating the the facts of the debt, only to receive a document email with a promise to pay statement attached that I was threatened to sign in 24 hours or risk being sued. XXXX XXXX is the person that I spoke with
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries where not undertaken by me. Share same name with family member. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I tried to open an account through Santander bank and I was denied because I had supposively had a debt.
Product: Debt collection

On XX/XX/19 and XX/XX/19 I called Grant Mercantile Agency to obtain a statement of what was owed and what has been paid. I have two seperate accounts niether of which they can explain why I'm overpaying on.they do not send reciepts of payments. They did send me a letter that the account was paid in full with no amount on it. I I feel they are overcharging me. 3 different employees stated " they do not do that '' they can verbally tell me what I paid but can not send me a written statement to match my bank statements. I asked for the supervisor and she placed me on hold came back less then a minute and said the supervisor said she can not send a statement they do not have the system for that. This is not right, it seems very shady to me.
Product: Checking or savings account

hello. i am writing to complain about XXXX XXXX i am a victim of identity theft. and my wallet was stolen where someone purchased air bnb rentals without my knowledge. ive tried disputing and merchant and bank of america say im responsible. i have filed a police report for my identity theft and will attach it here as well NARRATIVE the charges are for Air b & b charged 4 times separately and each or the charges are as follows XXXX XXXX for the amount of XXXX XXXX XXXX for the amount of XXXX XXXX XXXX for the amount of {$2100.00}
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 confidentially 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 AR Child Support - # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - # XXXX, has violated my rights. 

I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report according to 15 USC 1681 ( e ) ( b ).

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

And according to 15 USC 1681 s-2, they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ;
Product: Debt collection

Fabco I had previously requested Financial disclosures over the phone to Your companys representative around XXXX of 2022 and Fabco you Violated my CONSUMER rights according to Fair credit reporting act by furnishing information I gave NO WRITTEN VERBAL or oral communication pro se consent for Fabco to Contact a third party which Violates my Consumer rights again An every violation is subject up to XXXX dollar fine
Product: Bank account or service

Dear CFPB, I tried to file a " dispute '' for " bank partially addressed my issue '' yesterday, XX/XX/2016, but the " submit '' button on your web site just whirred around, and my " dispute '' was not submitted to your site. 
The bank president was kind enough to reply to my original CFPB complaint, & I do appreciate his letter & calls. However, I am at my wit 's end, because I have not had a debit card that actually works for five weeks now. The bank originally sent me a " chip & pin '' bank card XX/XX/XXXX ; however, I have had one problem after another with it. I was reassured on XX/XX/XXXX by the bank 's customer service center in XXXX XXXX that a brand new chip & pin card " with the correct expiration date '' of " XX/XX/XXXX '' was mailed to me " on XX/XX/XXXX from XXXX. '' However, it is now XX/XX/XXXX, & I never received the corrected bank card. I asked the bank today for their XXXX address, so that I could put a tracer on the lost mailing/lost card with the U.S. Postal Service. I was told by XXXX XXXX, " they do not have any of the addresses for their card processors. '' The bank has given me XXXX different expiration dates for my debit card in a month 's time : " XX/XX/XXXX, '' " XX/XX/XXXX, '' & " XX/XX/XXXX. '' An employee at the XXXX XXXX, XXXX bank branch confirmed that " XXXX '' is the correct expiration date showing in their computer system. However, my physical debit card reads, " expiration XX/XX/XXXX. '' The bank president left a message for me on XX/XX/2016, saying there was a pin problem with my chip & pin card, & that the problem had been corrected in the bank 's system. However, my card was denied, once again, by a local merchant on XX/XX/2016, " due to a pin problem. '' I called XXXX XXXX again, & they said, " yes, there is still a pin problem with your card. '' Since I never received the corrected chip & pin card, the bank is mailing yet another new, corrected debit card to me. However, the bank said today I would not receive the card for about 7 days, which means next week. 
In addition, there is yet another problem with my chip & pin card : the bank changed my card number on the physical card that they just mailed to me, but they will not give me the new card number over the phone. 
So, I have no idea what my new account/card number is, & I can not give that number out to any of my automatic deduction companies or to any merchants. I was told by a supervisor at the XXXX XXXX customer service center tonight, " we are not allowed to give out any card numbers over the phone. '' This is even though : my full name was showing on the caller ID, I provided all account information including pin, I provided my date of birth, & I provided my mother 's maiden name. I talked to XXXX different bank employees today, but none of them were allowed to give me the new bank card number " for security reasons. '' I need a bank card that actually works " ASAP. '' It is not safe in this area to run around with wads of cash ; for example, I purchase all prescriptions for my mom, & some of her prescriptions are expensive. Adding to my dilemma : some local merchants in this area no longer accept checks.
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 unXXXX 15 USC 1681.In accordance with the Fair Credit Reporting act. 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 the information is inaccurate. 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. 
XXXX XXXX XXXX Account numbers, ( there are XXXX different accounts ) XXXX XXXX XXXX XXXX XXXX  Account number XXXXXXXX XXXX XXXX XXXX Account number XXXX
Product: Credit reporting or other personal consumer reports

My identity was stole and account was hacked didnt have access to my funds to pay any of my bill I notified Chrysler capital and they still reported my payment late to the credit bureau after I explained I was a victim of identity theft back in XXXX of 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I put in a dispute with XXXX after discovering that my credit score was negatively affected by an account with Elan Financial, an account I was not aware of nor have had any activity on and was opened by my ex-husband back in XXXX. My name is fraudulently on this account. We were in the process of divorcing at the time and had been separated a year and a half, not living together when this account began, unknown to me. After many phone calls to Elan financial I was never able to speak with anybody who would help me but continually kept getting transferred to another extension over and over again until the phone clicked off. The dispute results with XXXX verified that my name is on this joint account but I did not receive any help on how to get my name off and clear my credit. I did another dispute with XXXX on XX/XX/XXXX and finally had a fraud expert advise me to write to you as well as sending certified letters to XXXX and XXXX which I an in the process of doing. This came to my attention only recently due to the noncompliance of my ex -husband who either defaulted on this account or is late with payments. I am not sure which but I had no knowledge or activity on this account. Part of the account number is XXXX My case number with XXXX is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting Affirm account number # XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the rights 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.
Product: Credit reporting or other personal consumer reports

I've reviewed my consumer report and found numerous hard inquiries that I do not recognize. The hard inquiries on my consumer report are : XXXX XXXX, XXXX VIA XXXX, XXXX XXXX XXXX, XXXX CARD, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX BANK, 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 XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX UPGRADE, XXXX, XXXX XXXX SYSTEMS. XXXX VIA XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX VIA XXXX, XXXX VIA XXXX XXXX, XXXX VIA XXXX XXXX XXXX, XXXX XXXX VIA XXXX XXXX, XXXX XXXX, XXXX VIA XXXX, XXXX  VIA XXXX XXXX IN, XXXX XXXX within XXXX business days.