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

XXXX at XXXXXXXX XXXX. This was never investigated property. XX/XX/XXXX for the amount of {$15000.00}. During the pandemic myself and partner lost jobs couldnt pay rent. Went through a program that provided a check for back rent and XXXX XXXX  claimed they never received the check even though the courts and program kept reiterating that the check was sent. We went through a whole process and issues with the property manager for her to then quit. XXXX never investigated this properly and now I cant do anything good with my credit. Next issue is XXXX XXXX XXXX. XX/XX/XXXX for XXXX  in the amount of {$4100.00} That was paid in full about 3 years prior and I KEEP disputing that charge on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I mailed Equifax a letter in regards to inaccurate information being reported on my credit report. Equifax responded that they verified my name even after I sent all requested documents including my drivers license and my social security card. My name is NOT the name they have verified for me! At this time I am enacting my consumer rights to have only current true accurate and physically proven Metro 2 compliant information reporting! I do not authorize EQUIFAX to retain and or report inaccurate information in which they are! 

I am demanding correction to the inaccurate misinformation of my name being reported and payment of {$1000.00} for the violation of reporting INACCURATE INFORMATION IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of all accounts and inquiries listed below, as I am a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am entitled to request the blocking and removal of accounts and inquiries linked to fraudulent activities as a result of this breach.

Below are the details of the accounts and inquiries that I request be blocked and deleted from my credit report : Accounts : 1. Chapter 7 Bankruptcy Account Number : XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

XXXX XXXX XXXX is collecting for CashCall. They called and threatened lawsuits when the bill is past the statute of limitations. The bill went delinquent in XXXX due to expenses from the death of my husband and they are reporting it as opening in XXXX. They have re-aged the account to try to keep it active.
Product: Credit card or prepaid card

I have credit car issued through Cabela 's Visa. This card had a due date of the XX/XX/2018, that was missed due to illness. The card company issued a late payment fee of {$35.00}. In addition they lowered the line of credit for the card. In doing this they affect a persons credit score and profile. The do this by creating a situation in which the credit is closer to being max out and the percentage is higher causing the credit score to be affected. Make it a double jeopardy event. Now this is not after a 30 day late payment. It is changed the day after or in this instance 6-7 days after the late payment was missed. This takes and places undo hardship upon a customer and causes two penalties related to the single event.
Product: Checking or savings account

I have recently opened a Capital One account online and attempted to add my spouse to the account today. I had followed the directions posted on the Capital One website and did not see the option to select add a new account holder as described. When I called to find out what I might be doing wrong, I was advised that I was not doing anything wrong and the option had been disabled on their site. They were working to have it brought back and would hopefully have it done within the next month. I asked if there was any other way I could add my spouse, manual or even visiting a branch and was told this was not an option. There would be no way to add anyone to the account unless this technology was added back. 

I am concerned that this limitation has put my families well being in jeopardy if I choose to continue to leave my money here and something were to happen to me over the period of time while the technology is being upgraded. It seems there should be a " plan b '' to service the customer when they have chosen to disable this method temporarily.
Product: Credit reporting or other personal consumer reports

Refusal of deletion but obviously inaccuracies.
Product: Checking or savings account

Last year someone got access to my Banks accounts, deposited fraudulent checks, did XXXX transactions, etc, My phone number was blocked ( XXXX ). Banks are aware of the situation since first moment but I m not being able to active XXXX with my number
Product: Checking or savings account

Chase Bank closed my account and is holding my money that was in my checking account due to claiming that my first paycheck from my job was fraudulent. They claimed they need to speak to a company representative to validate the check, I gave them XXXX numbers but they said the the numbers are not registered. The Chase rep said she called XXXX other registered numbers and when I asked for the XXXX different numbers she called they were the deli section of XXXX and a parking service of XXXX. Since I work for XXXX corporate I tried giving her the numbers of XXXX XXXX XXXX, but she claimed she cant use those since they are not registered in their system. Now Chase has my money and will not give it back.
Product: Credit reporting or other personal consumer reports

This is my 10th endeavor to tell you that I am a victim of identity theft 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : - XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : {$180.00} XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Balance : {$2900.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Credit card

I received an email offer for pre-approved credit card from CHASE Bank, i finished & submitted the application to CHASE and received a confirmation email states the following : From : " chase.applicationreceipt XXXX Date : XXXX XXXX, 2015 XXXXSubject : Thank you for your applicationThank you for submitting a credit card application to Chase. 
Here 's what you can expect next : We 'll let you know of our decision through U.S. mail within the next 30 days. Please do n't resubmit this application while waiting for our decision. 
If we approve your application, we 'll send your card and other important information to you by U.S mail. Once you receive your card, call the number on the sticker right away so you can take advantage of everything your card has to offer. 
If we do n't approve your application, we 'll send you a letter explaining why. 
Thank you for applying for a Chase credit card====================================================================Until today i have n't received any response or reply from CHASE, I called chase bank 2 weeks after receiving this email and was informed that i will receive a letter soon from them, then nothing came in the mail, i called again and requested the letter, the agent offered to read the letter for me, i asked him to fax it or mail it. Chase representative had no reason why to deny my application since i have perfect XXXX score & low DEBT/Income ratio. 
I still have n't received a decision on this application and it is has been more than 70 days. and my Refinance is about to fall apart because of CHASE. 
if i do n't submit these documents to my refinancing bank, i might lose refinance. 
===========================================================Response disputedRESPONSE Chase Bank Credit Card said : Explanation of closureWhen a credit card application is declined, we send a letter explaining the reasons why. I have enclosed a copy of our letter dated XXXX XXXX, 2015. The letter advises the reason for the decline is a " Previous unsatisfactory relationship with us or XXXX our affiliates. '' We apologize for the inconvenience, but we can not give a more specific reason. 
Comment : CHASE never sent me any letter on XXXX/XXXX/2015 because when I called on XXXX/XXXX/2015 I was told that no decision was made yet on the application HOWEVER I would like that letter to loaded to CFPB reply. 
ResponseWhen we were notified of this case, we sent you a letter letting you know we received it. Although we began researching your concerns right away, we need more time to complete it. Please expect a letter from us when we have an answer. Thank you for your patience. 
COMMENT : this is a lie you never sent me any letter in this REGARD, but I 'm entitled under FAIT ACT to receive the decision in writing, I WANT THAT POSTED HERE.
Product: Credit reporting or other personal consumer reports

XXXX reaching out regarding a charged-off account that is being reported incorrectly on my credit report. The company in question has violated my rights by submitting fraudulent and inaccurate information. Ive requested the purchase agreement to confirm their ownership of the account, along with any other supporting documents, but Ive yet to receive a response Additionally, credit bureaus such as XXXX, XXXX, and XXXX continue to report the account as " open, '' even though it's in collections and has been for almost XXXX or XXXX years now. This account, which is tied to the COVID-related financial hardships, should be marked as charged off and closed, but it hasnt been updated correctly. 

Im asking for this matter to be addressed and resolved as soon as possible.
Product: Credit reporting or other personal consumer reports

I am writing to formally address the ongoing and unresolved issue of fraudulent items on my credit report. Despite numerous attempts and providing extensive documentation to have these inaccuracies corrected, these fraudulent items continue to appear on my credit report, severely impacting my financial standing and credibility. I demand immediate action to rectify this matter. I expect a thorough investigation into why these fraudulent items continue to persist on my credit report despite multiple requests for their removal. Additionally, I require a detailed explanation of the steps being taken to resolve this issue and a clear timeline for its resolution. Also, I request compensation for the considerable inconvenience, stress, and potential financial harm caused by the ongoing presence of these fraudulent items on my credit report. They have negatively affected my ability to obtain credit, secure loans, and pursue other financial opportunities crucial for my financial stability. 
The following items should be remove as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

XX/XX/2016 Letter says my last draft did n't clear. My credit union shows it cleared on XX/XX/2016. 
After years of hassle-free service from XXXX, I 'm constantly complaining about Bayview. Apparently, my only chance for peace of mind would be to refinance but I might get stuck with them again.
Product: Credit reporting or other personal consumer reports

Truist bank open a closed Credit card to deal with a Fraud case I had filed. I originally closed my credit card and debit card in XXXX of XXXX they reopened in XXXX of XXXX to deal with the fraud case when they reopened the account I was not made aware of nor gave consent. When they reopened yearly fees was put on the account. As I was not aware they had reopened I never paid it off. It accumulated for 6 months until it was closed again ; truist bank took the money out from my despite of a student credit card. And they have been fight on giving my money back and fixing my credit scores since XXXX. Now theyre saying I owe {$33.00} from when I had closed something that never has come up. They claim I made a payment on the credit card in XXXX of XXXX same amount as fraud case. ( I believe it was to prevent damage to XXXX scored  ) but I hadnt heard of this nor recall due to a concussions until today XX/XX/XXXX they dont want to refund my {$80.00} for yearly fees and Interest Fees put on a account I had closed on a months Prior in person ( while also putting a fraud case on that same card ) and have been fighting to fix their mistake for the last 2 years with me not giving me a refund on the {$80.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with XXXX on XX/XX/XXXX about the credit bureau reporting high credit utilization on XXXX, Experian and XXXX and was told the FCRA has contacted theses inaccurately reporting on my credit file. I want this escalated to get this from wrongfully reporting high utilization whi score. This is financially effecting me from moving and getting a new place to live. I don't know what else to do but file a legal action with federal court or the XXXX  against all parties.
Product: Checking or savings account

In XXXX 2017 I changed my primary checking account and signed up for E-billing services as advertised. Since then I have been receiving the e-bills sporadically and have called Customer Service several times, most recently today. The probem extends to more than one biller so I think the problem is within my bank. In each case i was told it would be up to me to contact the biller to resolve the problem. As I think the answer to the problem is technical in nature and in " bits and bytes '' terminology I do n't think its my place to resolve the problems. If they offer E-Billing, and I signed up for the program, I think its up to my bank to resolve the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written several letters to Equifax to have 5 collection accounts removed from my credit report. The accounts have been paid in full. The collection agency has reported to all.3 bureaus. XXXX and XXXX have removed all the accounts accordingly, however, Equifax has not and has not responded to any of the multiple letters I've sent.
Product: Checking or savings account

On XX/XX/XXXX I applied for an online loan with XXXX XXXX. The same day I was told I was approved and that my funds would be deposited into my checking account. Around 2 days later I was able to see my deposit but for some reason I was unable to have access to my funds. Since it was the weekend and Monday was a holiday I wasnt able to speak with someone at the bank until Tuesday. In between that time I was in constant communication with who I thought was an employee at XXXX XXXX. The woman from XXXX assured me that the reason I couldnt touch the funds was due to the bank putting a hold on it. By the time Tuesday came around I was overdrawn about {$1900.00}, I immediately contacted Regions ( XXXX, AL ) as well as their fraud department. They were supposed to put a freeze on my account and any other payments trying to be processed and told me that I was in fact scammed. I called my contact at XXXX and the number was disconnected. I go to my bank Wednesday because not only did I need to speak with someone regarding my account but they never put a freeze on my account and the scammers were able to withdraw another large amount of money on Wednesday. My total amount that I was scammed for was {$3900.00}. Not only did I not have those funds to begin with but the bank also told me that there was nothing they could do because I willing gave them my information even though it was a scam. I am on fixed income, Ive had to close my account and now Regions bank is telling me that they will keep my fixed income check that was supposed to be deposited into my account to make up for what the scammers got. I am outraged and in disbelief that Regions has not only kicked me while I was down but added insult to injury. I have been a member of Regions bank for over a decade and would have never imagined such treatment since I have always thought highly of this institution. I have no other means of income and they actually expect me to be without income for a month. I dont believe I should be held responsible for this I wasnt aware that I was being mislead. I have contacted an attorney regarding this matter and will be filing a police report as well.
Product: Debt collection

On XX/XX/2020 I contacted Wakefield and Associates about a debt collection letter I received. In the letting it states my balances accrues 7 % interest. I informed them that the original creditor did not have interest included into their bill and they told me that it did not matter. It is my understanding that they are not allowed to tack on interest unless it was written into the original contract, meaning they would be taking part in illegal practices.
Product: Credit reporting or other personal consumer reports

Never made any agreement with Bull City. Was never sent a tax form for the written off debt. I contacted bull city XX/XX/XXXX  and received a " variation '' XX/XX/2023. 

Validation has no address. It also has no birthday or social security number associated with the account. Therefore that dissatisfied your validation. 


On XX/XX/2023 I asked for a debt this validation as previously stated didnt not have an address, birthdate, social security number, no form of signature, nor any type of third party release of information to Bull City Financial Solutions , INC . 
Bull City failed to provide proof of purchase from the original creditor. I need a copy of proof of purchase as well. Also in your previous letter there was minimal proof of account identification. 
I requested : Creditor 's Name and Full Address, Name of Debtor of Record, Full Account Number, Amount of Debt, Due Date of Debt, Original Charge Off or Delinquency Date, Explanation of how the Debt was calculated, Evidence that the Debt is within State 's applicable Statute of Limitation, Name of Collection Agency or Owner of Debt, if applicable, Amount Paid if Debt was Purchased, Completed and Executed Agreement, including Signature Pages, for the Debt. 

The validation also includes a description number and description of the appointment or services render. 
It also has the doctors name, doctor type, and doctor location. This violates 45 CFR 164.02 ( b ), 164.541 ( d ). This violates the minimum necessary of the HIPPA Laws. There is no reason why the description code or description of the appointment should be included on this validation letter. This is personal health information and serves no purpose in assisting the debt collection process.
Product: Debt collection

I have on numerous occasions ask for verification on an account that is showing on my credit report for Portfolio Recovery. My latest attempt was made in XX/XX/2019 by requesting in writing to all three credit bureaus that this debt be physically verified and that I receive a copy of any and all signed consumer contracts, all original documents in reference to the account, a valid proof of chain of assignment and sum certain showing the total history of the account in which I have received nothing but a statement which only shows an amount due of a total of {$870.00}. I have sent letters to both the creditor as well as the credit bureaus asking for the above information and have yet to receive anything. I did receive a letter from each credit bureau stating the account was " verified '' and on XX/XX/2019 I reached out to all 3 companies ; XXXX, XXXX, as well as XXXXXXXX, stated that they are only responsible for submitting the request electronically and then it is up to the creditor to respond if it is valid. I find it very upsetting that all 3 credit bureaus are able to report this on my credit report and no one will show proof of the account.
Product: Credit card or prepaid card

Some relevant facts : ( 1 ) Transaction was made in IDR XXXX on my Citi Premier Card XX/XX/2023 XXXX XXXX XXXX ; ( 2 ) The transaction was posted in my Citi account on XX/XX/XXXX for USD XXXX ( i.e., XXXX IDR/USD ) ; ( 3 ) Citi Premier Card is on the Mastercard network with 0 % foreign transaction fee ; ( 4 ) According to the Mastercard  currency converter calculator XXXX XXXX XXXX XXXX XXXX my transaction on XX/XX/XXXX should only cost me USD XXXX ( USD XXXX lower ). 

I contacted their customer service, and they said that Citi uses the XXXX XXXX XXXX ( odd! ) for their conversion rate. Using that rate ( for XX/XX/XXXX ), it should be {$75.00} lower, and they suggested I should file a dispute. 

I filed the dispute on XX/XX/XXXX and received a dispute letter on XX/XX/XXXX rejecting my {$75.00} claim. The letter then said that the exchange rate used to convert is established by " either Mastercard International, Visa International or XXXX XXXX '' ( surprise surprise ). 

I have requested that my dispute be reopened but am pessimistic.