23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

A promotion made by object of complaint, XXXX, offered {$410.00} to sign up with Chime, a digital presence for The XXXX XXXX, a FDIC insured bank. I followed signed up with XXXX and followed the link they offered ( with all ad blocking disabled, as stipulated by XXXX ), to sign up with Chime and proceeded to fulfill all obligations to receive the full bonus from XXXX, which involved making recurring direct deposits totaling {$400.00} or more. 

I noticed my XXXX was not displaying this progress and in fact showed none at all. When I contacted XXXX to address the situation, they claimed they " could not track '' my activity to qualify me for the bonus, and directed me to reread their terms and conditions. I responded with images of my completing the activities on my chime account, along with an image showing proof that I had indeed followed their link and completed sign-up from it ( my browsing history ). I was again stonewalled with " unfortunately we could not track your activity ), and given no other recourse. This is an unacceptable bait-and-switch that I feel should not be allowed and am hoping a CFPB can help resolve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up with XXXX  XXXX a year or so ago. I have no upgraded account, its all supposed to be free. I never gave my debit card info but I had a bank account linked. Ive been charged {$21.00} for months now by TransUnion. I noticed it late because I thought it was a different bill. Theres no option to look at what Im being charged, to cancel it, or to delete my account. If you call the customer service number they wont let you talk to a person and they put you on hold for hours. When I finally got ahold of someone, I was told it was for offline services and I needed online services and given a different number. The other number is impossible to get ahold of someone. I was charged a {$1.00} on XX/XX/19 and then charged {$21.00} on XX/XX/19. Ive never used Tran union.  Theyve charged me {$21.00} every month since then. Always on the XXXX or XXXX. So theyve taken almost 300 dollars from me that I didnt approve of at all. I dont even know how they got my card number. Id like my XXXX  account deleted. I want it gone. I wont be using it anymore. Its supposed to be free and the boosts wont even work anymore, Im assuming since I refused to upgrade my account. I plan on shutting my card off and getting a new one and filing fraudulent charges for what I can, but I should be reimbursed the money that they took. I was never using Tran union services and I couldnt even use the XXXX  services I was offered.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of American put incorrect information on my Credit Report. Listed a large sum of money due since 2011 as an outstanding past due balance when this account/loan was actually paid off to a XXXX balance. 
There incorrect posting caused disqualification to several job positions I applied to for employment. When contacting them of the incorrect information they acted like it was no big deal and didn't even apologize. 
" Abuse of Power ''
Product: Credit reporting or other personal consumer reports

Im submitted to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove any account listed on an ID theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXBalance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$630.00} XXXX XXXX  XXXX Balance Owed : {$2000.00} XXXX XXXX  XXXX Balance Owed : {$810.00}
Product: Debt collection

I have XXXX companies communicating with me about the same debts. I have XXXX XXXXl and Halsted Financial collecting the same debt purchased by XXXX XXXX XXXX. This violates section 15 U.S.C. 1692e about debtor representation. Also, neither company has provided in writing the validation of debt. They have sent emails and texts stating that they each are collecting the debt.
Product: Debt collection

Hello ; XXXX for {$490.00}? I never opened account with them!!! - I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
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 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  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 of 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

Last XX/XX/XXXX, I sent this credit bureau a copy of my FTC ID THEFT REPORT, a copy of my police report and a letter requesting to removed accounts : XXXX XXXXXXXX XXXX ac # XXXX and XXXX account XXXX ac # XXXX ( high balance {$26000.00}, opened XX/XX/XXXX ). On the letter I sent to this credit bureau, I quoted the stipulations of FCRA 605B which states that " a reported fraudulent account, with required documentations MUST be removed within 4 business days upon receipt ''. Again the letter, FTC ID THEFT REPORT and POLICE REPORT was sent to them XX/XX/XXXX. Clearly, this credit bureau has violated and showed negligence and none compliance with the FCRA stipulations. I will see legal assistance if these accounts will continue to be reported.
Product: Checking or savings account

On XX/XX/XXXX, I received a email that Capital One would be pairing with a third party company name XXXX XXXX, then later on that day a text alert showing someone was trying to get into my capital one account. I changed my password and ignored it. XX/XX/year> I was a expected my bi weekly deposit by my employer and woke up and no funds were there. I had already had payments going thru the previous day due to me usually receiving my check in a timely manner. Instead its been 24 hours today is XX/XX/year> and Capital One has failed to explain why they have not deposited my funds which I need to eat, pay bills and buy meds. This has caused an emotional distress on me and my family as a whole. We were not fairly notified of this and its totally unfair to me as a loyal customer to Capital One. When i call Capital One they show no empathy or can not even verify when this issue will be resolved. I am already living check to check and for a XXXX dollar corporation to steal peoples money with lack of care about interest accruing and late fees is deplorable. Please help fix this issue.
Product: Credit reporting or other personal consumer reports

I assert that the presence of inaccurately reported late payment remarks on my accounts violates 15 USC 1666.
Product: Credit reporting or other personal consumer reports

To whom it may concern : I just got my credit report and some Accounts on my credit report are incomplete and inaccurate which is a violation of 15 USC 1681e ( b ).

You also violated 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681 ( 5 ) ( A ) ( i ) & ( ii ) Any person who fails to comply and fix this matter will be held liable under 15 USC 1681n which is civil liability for willful noncompliance.

Accounts 1. ( XXXX XXXX ), Delete this account immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681 ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ) Once you have deleted the accounts from my credit report, please send me a copy of my updated report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account # XXXX XXXX  Balance {$900.00} account # XXXX XXXX XXXX XXXX Balance {$50.00} account # XXXX XXXX XXXX Balance {$0.00} account XXXX XXXX XXXX XXXX Balance {$330.00} account XXXX XXXXXXXX XXXX XXXX XXXX  Balance {$100.00} account # XXXX Balance {$55.00} account # XXXX XXXX XXXX XXXX XXXX Act. # XXXX XXXX XXXX Act. # XXXX XXXX  XXXX Act. XXXX XXXX XXXX XXXX XXXX Act. # XXXX XXXX Act. # XXXX XXXX Act. # XXXX XXXX XXXX XXXX XXXX Act. # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. states the right to privacy.

15 U.S.C 1681 section 604 A section 2 : also states consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Kwikcash XXXX XXXX XXXX XXXX XX/XX/23 I have contacted businesses but I have been getting the run around trying to correct issue due to the account being hard inquiries on report is damaged mine credit
Product: Checking or savings account

I had money wire transfered and the company will not return my money ( {$1000.00} ). they go through a process that should be criminal, like they have to verify that you are you. I transfered the money from my credit union so I have proof the money was sent, and are in this companys ' possession.
Product: Prepaid card

On XX/XX/year> I was scammed out of {$180.00}. Which I disputed on XX/XX/year>. On XX/XX/year> I was given a provisional credit of {$180.00}. On XX/XX/year> I recieved a letter saying : " Based upon the results of our investigation we have concluded this transaction was unauthorized. The provisional credit of {$180.00} issued on XX/XX/year> will remain on the account as a permanent credit. This investigation is now considered closed. '' Then on XX/XX/year> without notice, warning, or explanation a reversal of the provisional credit was issued. Overdrawing my account. Since that time I have talk to several different representatives from my bank and have gotten multiple excuses. However, to date nothing has been done other then issuing my case a new service request number. I am a XXXX XXXX  citizen living off my monthly XXXX and {$180.00} is my food budget for an entire month. It's coming up on 3 weeks since my bank went into my account and took my money with no resolve in sight.
Product: Credit reporting, credit repair services, or other personal consumer reports

So basically i had filed several disputes on closed accounts that are on my credit report that are inaccurate and unverifiable. Many times i had to call Transunion, XXXX and XXXX and update them but they failed to make any changes and remove these inaccurate and unverifiable accounts from my credit report. Accounts that do not belong to me are 1. XXXX XXXXXXXX XXXX  2. XXXX XXXX 3. XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX XXXX Date of Birth : XXXX SSN : XXXX ID Type : Driver 's License ID Number : XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/year> ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/year> ) Account # : XXXX Routing # : XXXX I dont recognize the following accounts in question. XXXX a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I have a loan with UNITED AUTO CREDIT CO. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and UNITED AUTO CREDIT CO with no successful resolution. XXXX  is only reporting me late. There was definitely an error on their part. I was never 90 days late.
Product: Consumer Loan

To Whom It May Concern : Thank you for taking the time to read this letter, and I hope your day is going well. I 'm writing because I noticed that my most recent credit report contains late payments and it is showing an inaccurate balance on my Capital One Auto Finance account. 
I want you to know that I understand my financial obligations, and if it were n't for my job cutting my pay then I would have been able to make full payments instead of partial payments. I 'd have an excellent repayment record. I made a mistake in falling behind, but since then, I have received a pay raise and will be able to pay on time every month. I spoke with a lady representative during the week of XXXX XXXX and she stated that she was able to extend my loan and that she would call me back with all the details as of XXXX XXXX I have not heard from her and anyone in the Capital One office.
Product: Checking or savings account

On XX/XX/XXXX I received a text from Chase showing -- -- -- -- - Chase Fraud : Did you attempt a {$1700.00} withdrawal on XX/XX/XXXX with card XXXX? 
replay yes or no. Msg & data rates may apply. 
-- -- -- -- - Then I replied no, Then chase sent a text they will close my account, give them a call. 

So I called chase to report, they are saying because it is pending transaction I have to wait until pending is gone, 2 days later they accepted my claim. 

Today XX/XX/XXXX they refused to credit my money {$1700.00} because my pin number and debit card were used. So I told them I never received card. 
Still their answer is same. 

Then I asked what should I do? file small claim against chase? go to police office? 
They told me I can go to police office to file a claim. 

I will go to police office after my work. 

Before I go to police office, I am asking your help about this situation. 

Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

date XX/XX/2017 log # XXXX file # pending I 've faxed all the proof of identity materials they needed. ARS still will not place a security freeze on my account.
Product: Payday loan, title loan, or personal loan

I submitted a PPP loan 5 times to Wells Fargo. Each time they stated to me that the SBA declined the loan. Each time I called they told me to re-apply. Finally, after the PPP funding ended, I was told there was no longer anything they could do. So I asked them please provide me the loan numbers from the SBA for the loans that I submitted. They are now saying that they did not submit any of the loans to the SBA and they declined the loans themselves. So they decided not to submit my loans. Had they, I would have an SBA loan number and I would be able to fix the issues that they say was a problem which was not a problem. They basically did not care about small loan amounts and did not submit any of my applications to the SBA.
Product: Credit reporting or other personal consumer reports

I contacted EXPERIAN to dispute this unauthorized inquiry that got recorded on XXXX.2023 reported by XXXX XXXX XXXX XXXX XXXX. This was not unauthorized by me as I do not recognize the product nor is it an active product on my consumer file. I am taking this complaint to the CFPB for remedy pursuant to 15 USC 1681 ( b ) ( permissible purposes of consumer reports ) to enforce the law. I am also attaching my documentation to this claim. They usually use stall tactics to say they need more time to investigate, and they are still reporting false and misleading information. Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), they are required by federal law to verify through physical verification of a signed consumer contract which they have failed to do so. I am seeking the removal of this inaccurate inquiry reporting in my consumer report. My report must only show accurate information at all times. Per the Privacy Act of 1974 I do not know where they got this information from to report without my written permission nor consent.
Product: Debt collection

Immediately after receiving a notice of " attempt to collect a debt '' I wrote the collection agency, FIRST CREDIT SERVICES via certified mail requesting DEBT VALIDATION. In addition I gave them a phone call advising them that I do not owe any debt to them and asked that they provide DEBT VALIDATION ( proof of how I owe the alleged debt and how they came up with a combined balance of {$360.00} as they are reporting on both my and my partners account saying we owe a balance of XXXX each. ) I owe no debt to this collection agency. I have no contracts with the collection agency, contracts must be SIGNED in order for them to enforced. I advised FCS that I owe no debt to the party that they're representing. As per my contract with XXXX XXXX I had to give a 30 day notice of request to cancel. I followed all instructions given by a representative at the XXXX, Tx location. I wrote my request to cancel to the following address, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX in XX/XX/2018. Advising XXXX XXXX that I would like to cancel my membership and asked that the cancellation be effective immediately. In XX/XX/2018 I noticed they were still drafting funds from my account. I called the number given back and let them know they're still drafting funds from my account. I called and reminded them that I sent a notice to cancel the previous month and advised them not to pull from my account again. I also called my bank to stop the drafts from the cancelled contract. In XX/XX/XXXX and XX/XX/2018 I received a billing statement from XXXX XXXX asking that I make a payment for I believe the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This prompted me to call nd write XXXX XXXX   and remind them once more that I cancelled my contract and asked that they stop sending me billing notices as I cancelled my contract in XX/XX/2018. Recently, I noticed that FIRST CREDIT SERVICES placed this debt on my credit report. The refused to answer to my request of debt validation and is in violation of the FDCPA as they have refused to provide the information and details such as how they came up with amount owed after my advance 30 day notice to cancel? A contract proving that I agreed to pay after dues after I gave a request to cancel. I demanded that they delete this inaccurate and false information off my credit report. They reported it knowing that it was inaccurate and false as I mentioned it to them. They are in violation of the FCRA/FDCPA! XXXX XXXX has serval bad reviews on the XXXX website for this same reason. They use a third party to take in cancellation request and somehow it never gets taken care of, how strange ... I think it's a tactic to keep consumers in contract and take their hard earned money. I did what I was asked per my contract terms and I demand that FIRST CREDIT SERVICES delete this inaccurate information from my credit report! It has hurt my scores and makes me look bad in the eyes of my creditors.
Product: Debt collection

I would like to know how to contact Havard Collections to close outa debt owed and to have it lifted from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Experian on XX/XX/2022, because of inaccurate items on my credit report. I informed them that I want them to investigate and delete all of the inaccurate information. Not only have they not responded, but they didn't update me on the investigation results or the status of my report being in dispute. I have sent them a demand to comply as it is federal law that they inform me of the results of the investigation and that they document that the accounts are in dispute. Experian has violated federal law and has caused me undue hardship because of their negligence.