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

Over the past month, I have tried to make over XXXX payments from my business checking account. Every single time, Chase : 1. does not contact me 2. declines the payment 3. calls people whose phone numbers are NOT on my account and who are not authorized to speak on behalf of the company 4. gas lights me when I call to speak to fraud 5. tells me the payments are fine and will be processed 6. subsquently cancels the payments ( without contacting me ).

7. when I call for help, they put me on hold for 45 minutes and then hang up I have all of my calls recorded and phone logs. I will be proceeding to court as it is illegal for Chase to withhold my own money from myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

I have an hard inquiry from XXXX on XX/XX/year> that was not initiated by me. 

I have an inquiry from XXXX XXXX XXXXXXXX on XX/XX/year> that was not initiated by me. 

I have an inquiry from XXXX XXXX on XX/XX/year> that I'm not familiar with. 

I have 2 inquiries from XXXX XXXX XXXX XXXX, one on XX/XX/year> and another on XX/XX/year>. I didn't authorize neither. 

I had an hard inquiry from XXXX XXXX and XXXX XXXX both on XX/XX/year>. Not familiar with neither. It appears that someone was trying to finance a vehicle with my information.
Product: Debt collection

Beneficial owner of All caps Name ( XXXX XXXX ) was approved for a XXXX $ line of credit on XX/XX/XXXX by USAA. The Credit card was actually issued on XX/XX/XXXX. XX/XX/XXXX I sent a letter of credit to redress the credit card agreement through via USAA app, by law having the right to redress any agreements and or contracts within 2 years pursuant to Federal Trade commission act, with the right to redress being one of the basic consumer rights. USAA sent a bill on XX/XX/XXXX, I expressively put instructions on the bill, with letter of credit also sent physically to the USAAs bill payment department on XX/XX/XXXX and a document of Federal reserve section 16 to instruct the managers of the account of how the bill should be paid off but they dishonored the acceptance of the said note and sent emails as if Im still obligated to pay off this debt. Expressed in letters to USAA it states in 18 USC 8 that all obligations of the United States is to pay all bills. I spoke with a USAA employee who came oh behalf of the CEO office of USAA, and she told me I didnt have no right to redress the contract. Also in bills of exchange act the only way to pay a bill is by interest and to be so expressed to be paid to the bearer. Another letter of credit was issued on XX/XX/XXXX to satisfy the account and for this debt to be collected. This letter of credit was titled opportunity to cure to honor this performance to transfer the principal balance to the principal account number. I expressed that the application is collateral with the letter of credit for this debt to be satisfied and its guaranteed interest for principal pursuant to Federal Reserve section 16, and interests to be paid by the banks stated from 12 USC 1431. The principal is owed interest by law and performance shall be honored. The violations will be patterns, unfair practices and breach due to negligence of performance in whole which would lead to non-satisfactory to the account, and for public debt to accrue to this nation.
Product: Credit reporting or other personal consumer reports

On Saturday, XX/XX/2024, through the Experian app, I applied for a small loan. Previous continuing the application, I tried to reach someone as I had questions, and it was kind of difficult to me to understand the website. Because it was Saturday, I didnt reach anyone, but I continued the application, using my brothers address in Florida which was approved. 
Researching on the main website of XXXX, again, because everything was done through Experian app, I read that the loan its specific for some states. Thats when I knew the application wouldnt go forward as all my documents are from Puerto Rico. 

XXXX, from the office of Florida, reached me on Monday, XX/XX/XXXX to keep forward the application but when I told her that I live in XXXX XXXX, she told me she must withdraw the application even if its was approved as Im out of the state. I agree but I requested her, then, to please remove the inquiry because I tried to reach someone previously and no one answered. 

She told me that I needed to reach Experian and request it, which I told her thats not how it works, but I did it anyway. 

On XX/XX/XXXX I was reached by Experian, and they told me the same thing I told XXXX, that its the company that has to send a letter to the credit bureaus ( Experian and XXXX too ) requesting the removal of the inquiries. 

I sent a letter to XXXX XXXX that I would appreciate the help on removing this inquiry in both Experian and XXXX as Im working towards mt credit and it was Experian and their website not clear in whom can apply for the loan. 

Again, I wanted to be oriented but no one was available. The loan was approved but withdraw by them. 

Today I receive a letter, a plain letter, not stating anything just that I authorized the inquiry. I knew that I would be approved as I have good credit, but without the whole information of who can or cant apply, I was affected.
Product: Debt collection

Spring Oaks Capital , LLC keeps texting and calling me before and after XXXX XXXX XXXX XXXX. This is not my account they are reaching out to me on. It's my husband 's. I have nothing to do with it and they continue to harass me and I answered the phone once and the man said he would not stop calling me. I don't know what to do.
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code

1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a collection account appear on my credit from XXXX XXXX. The account was removed because I never applied for the card nor have I ever made payments to XXXX XXXX in this regard. I now have a collection account on my credit fore XXXX XXXX from Midland Credit Management. This company has never contacted me they just placed the unknown account on my credit. I have tried to reach them by phone and I have not been successful. I also contacted the XXXX and they said the company is no longer in business but they just added this bogus account to my file and I was in the middle of financing. I am a XXXX Vet and I am trying to obtain a home loan.
Product: Payday loan, title loan, or personal loan

I have called 4 times to request to have my due date changed from the 5th to the 18th. It is auto debited from my bank account each month. The first time I called, the gentleman said it would be changed and it would take 2 billing cycles to complete. When I received my statement for XXXX, it said the payment would be debited on XX/XX/XXXX. The payment was taken from my account on XX/XX/XXXX. I called and was assured it would be correct for XXXX. I received my XXXX statement and showed a due date of XX/XX/XXXX but the payment was taken from my account on XX/XX/XXXX. I called in XXXX XXXX and was assured by XXXX XXXX that it would be corrected and that when the payment was changed the first time, they only changed the due date but not my debit date for the payment. She said she corrected it and it wouldn't happen again. She also sent me a letter confirming the proper debit date. I received my statement for XXXX and it showed a due date of XX/XX/XXXX. XXXX 's payment was actually taken as agreed. I assumed everything was fine until today! My statement came showing a due date of XX/XX/XXXX and AGAIN they debited my account XXXX XX/XX/XXXX. Now, my account is overdrawn by more than {$500.00} and have been charged {$30.00} in overdraft fees. I am FURIOUS! This is the 3rd complaint I have registered with the CFPB about this HORRIBLE company. I can not understand why I am penalized for keeping my commitment to make my payments but they don't have to keep their commitment to take the payment as they agreed and NOT cause me to overdraft my account.
Product: Credit reporting or other personal consumer reports

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such an account and also other documents so I may review to see if this is actually an account that belongs to me. This company has failed to provide me with such documents. 

This company continues to report multiple instances of inaccuracies on my credit report, which are in violation of the Fair Credit Reporting Act. Despite repeated disputes with the credit reporting agencies, these errors persist, threatening my financial credibility and potentially harming my access to credit. I urge the Consumer Financial Protection Bureau to investigate this matter promptly and ensure compliance with the FCRA to protect my consumers rights, Validation of Debts 15 U.S.C. 1692g Account reporting inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying over the past 10 years to improve my credit report. They just dropped my fico score by 9 points, because two accounts had aged out. this changed the age of my credit history. I think it is a scam to keep people from having high scores. This way the banks can charge you a higher interest. I contacted my U.S senator and they told me that they had much bigger problems to work on.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and XXXX  credit bureau 's along with the Original Creditors have been reporting negative information at least 2 years on 3 accounts in my credit files.The accounts were investigated and deleted from XXXX XXXX in XX/XX/XXXX while the other CRA 's refused to remove the erroneous items after numerous rounds with them and the suppliers of the information. I sent numerous FCRA 611 and 623 certified letters with either no response or with little documentation to warrant reporting of the items in violation of the FCRA for both the CRA 's and Original creditors. Yet, they continued to verify that the information was complete and accurate after investigation/re-investigation. In the instance of XXXX XXXX, they reported amounts owed of XXXX on previous disputes then jumped to XXXX in others with no proof to substantiate the debt or response to 623 letters. XXXX XXXX XXXX responded to 623 letters only saying they verified that the information to be true and correct but I have yet to see and documentation from them proving this. Snchrony Bank/JC Penney was the same in their refusal to delete even though the CA they sold the account to had deleted the negative information in XX/XX/XXXX. All the information that was investigated and re-investigated shows inaccurate and different information across all the CRA 's so how could it possibly be verified as accurate and complete based on credible investigations?
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing to complain about ALL THREE CREDIT BUREAUS. They are illegally reporting a XXXX XXXX XXXX  on my credit profile. I have sent numerous letters asking for the method of verification of the bankruptcy but they have ignored my request which is A VIOLATION! I even reached out to the courts and they advised they have not released any of my personal information to the credit bureau. This is illegal and I will sue for all possible damages. How are you guys reporting an unverified account? Also, I saw numerous FCRA Violations as well. Everything isn't reporting the same across the board 100 %. I'm not showing the court name across the board and the filing date is wrong. There is so many errors on this report is not even funny! Remove this unverifiable account NOW
Product: Money transfer, virtual currency, or money service

Hey we have been contacting paypal for 3 months and every-time an agent say I will immediately escalate your demand to the relevant department and will get back to you shortly when we have updates. and he will never come back. 
the problem is : we were having some problems with delivery in the lockdown months due to covid-19 and we had some more cases coming then paypal put a hard reserve percentage ( 90 % for 80 days ) on our account which no business can survive with this reserve percentage and we understand that. but we put also a hard effort to deliver the orders as faster as we can. and we delivered all the orders to our costumers and we solved all the cases most of them in our favor.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are incorrectly reporting the XXXX XXXX XXXX   partial account number XXXX. ( Please see page 16 of the attached credit report. ) This account was paid in full over ( 60 ) days ago and the balance should have been updated on my credit report. I have contacted the ( 3 ) bureaus to have these line items updated, however I have not been successful. This incorrect reporting is harming my credit score. Please update to report accurately on my credit report.
Product: Credit reporting or other personal consumer reports

I am challenging the bureaus ( Experian, XXXX, and XXXX ) for improperly investigating my credit report and adding accounts back onto my report. there are several accounts that have been added back to my bureaus. I am challenging the the following. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I challenge under the following : USC1681i ( a ) 1, 15usc1681i ( a ) 6 ( B ) 3, 15USC1681i ( a ) ( 5 ) B
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

Hi, I contacted Nelnet last Wednesday ( XX/XX/XXXX ) to ask my request for a refund that was made during the Covid forbearance. They keep saying my refund request is still processing, but not giving me any detailed information about that. It's been almost five weeks since I first contacted for a refund ( XX/XX/XXXX ) but still no updates on everything.
Product: Payday loan, title loan, or personal loan

I have an auto loan on my XXXX XXXX through Chase. 

My payments are about {$470.00} a month. I typically pay {$480.00} a month which is more than the amount due. Because I pay more, the payment amount should decrease each month. Chase has normally calculated the payment this way, but in XXXX, they failed to take into account the extra money I had paid on the account for the last year. So, on my statement, they show the normal {$470.00} payment due rather than the adjusted amount which should be about {$420.00}. So, I attempted to pay the {$420.00}, Chase would show I underpaid when it was not. 

I am supplying copies of my monthly statements with the complaint reflecting the payments, the previously adjusted monthly payments, and XXXX 's incorrect adjusted payment. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello please remove the old account reporting on my TransUnion consumer report for XXXX. The account number is XXXX and is old that needs to stop reappearing on my Consumer Report. Also, TransUnion has the incorrect contact information for this merchant, therefore needs to be removed because of all the inaccuracies.
Product: Debt collection

Attempted to settle an unfair medical debt with Medicredit , INC . I was quoted a {$650.00} -- one-time payment and was disconnected. When I called back, I was was informed the company could NOT settle for less than {$750.00} --. The company refuses to acknowledge its initial offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate accounts in my file. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX, XXXX ; XXXX, XXXX  ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX CT XXXX, NC XXXX XXXX ; XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$5800.00} ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my consumer report and noticed that i havenumerous late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of [ XX/XX/year> ] [ XX/XX/year> ]. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand this payment be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, The list of account below has violated my federally protected consumer right to privacy and confidentiality under 15 u.s.c 1681.. 

XXXX XXXX XXXX .... # XXXX XXXX/ XXXX Account number # XXXXXXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 
Has violated my rights.. 
15 u.s.c. 1681 section 602 A. State i have the right to privacy.

15 u.s.c. 1681 section 604 A. section 2 : it also state a consumer reporting agency can not furnish a account without my written instructions. 
15 u.s.c 1681 C ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following item of information any other adverse item of information / other than records of conviction of crimes witch antedates the report by more than seven years..

15 u.s.c 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I had XXXX taken from my New Mexico unemployment card and Conduent refuses to give me back my money