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

XXXX is a prior complaint attempting to delete an incorrect address from my credit report. I attempted to remove this because XXXX XXXX  was reporting it, and it is not my address, and I did not provide them with the address. XXXX XXXX got it from my credit report, it seems, but it was on there inaccurately to begin with. 

I have tried to dispute the address with Experian, but get the error they can not delete because it is being reported chase. I therefore sent the prior complaint, whwre chase says it can not remove information and that I had to contaxt experian. Experian responded and said they reached out to XXXX and the erroneous address is being deleted. 

Today, I reviewed the account and the address is still there. I tried AGAIN to remove it and it said it could not be removed because XXXX XXXX was reporting this as an address. 

I am getting fed up with this nonsense. It is a violation of the FCRA to report false information. Remove the inaccurate info immediately. If XXXX can not update or delete reported address info theunare furnishing to Experian, then someone needs to notify Experian. It is pretty shocking to me that XXXX would provide misleading information to a consumer in a CFPB response regarding what their role is as a furnisher of information.
Product: Credit card

I looked at my credit card account ( B of A ) visa card on XXXX/XXXX/2015. There was acharge from XXXX, a web site I had never visited or bought anything. I contacted bank & they will issue me a new card. I suspect that this may be a web site for fraudulent credit card transactions. If so & it will help others if it were shut down.
Product: Bank account or service

Citibank has confirmed my promotion on the case XXXX. They told me that " the cash bonus of {$400.00} will be applied to your joint account no later than XX/XX/2016 ''. However, till now I have not received that. I reported to the banker and phone service, they just pass the bucks and not take responsibility. 

I am tired about citibank service and reluctant to solve the problem, I feel bad of they did not make their promise.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXX/XX/XXXX {$1400.00} XXXX XXXX XXXX  - {$26000.00} XXXX XXXX XXXXXX/XX/XXXX - {$41000.00} XXXX XXXXXXXX {$8900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$3300.00} XXXX XXXX XXXXXXXX {$3600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating any evidence of a thorough investigation. This practice violates the Fair Credit Reporting act, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protect Act, as highlighted in the CFPB 's recent administrative proceeding against them for similar violations, I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof investigation.
Product: Money transfer, virtual currency, or money service

Im a trader of Bitcoin on the platform XXXX. I opened a Venmo account to receive payments. Shortly after I received an email after attempting a transfer to my bank of the funds received stating that my account was frozen. I immediately provided my Drivers License and the documents of the sell. I was told that my account could be permanently disabled and the funds reversed. I purchased the Bitcoin 's to sell for profit out of my weekly pay. I'm a single parent and the funds that are frozen are literally all I have. I'm begging for assistance. I've attached the documents of every sale that was sent through Venmo. I'm a hard-worker and would never do anything to cause myself more financial harm. Please if there's anything you can do to assist me, I would greatly appreciate it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been applying for a home loan and going for a XXXX loan. The bank continues to state Equifax is surprising my information. I have called 6 times over the past two weeks and they indicate there is no problem with my account and no hold or freeze in place. The bank continues to state there is a hold. I am not sure how I can correct the problem. When I call in I get someone from the XXXX and I can not understand them so I am not sure if they understand what I need.
Product: Consumer Loan

I voluntarily gave a car back I had less than 2 months due to this company having poor customer service and the car had too many problems. They took me to court less than 2 weeks after I gave them the car back and filed a default judgment before the 20 days I was allowed to respond without making any contact with me to do a payment plan for the remaining balance or any efforts to collect the debt. In less than 30 days before I even knew there even was a judgment, my wages are getting garnished and I never received any notice that my wages were getting garnished until I looked at my pay stub. I took them to court on XXXX to lower the percentage being taken out of my check from 25 % to 18 % yet they were still taking over 25 % of my check every check. On XXXX XXXX the balance was paid in full but they never filed a satisfaction of judgment with the courts. The beginning of this year I was told by the courts to contact them to file the satisfaction of judgment so I can give that to the credit bureau to get it off my credit. They are not only refusing to file it they claim I only paid {$2600.00} and I still owe them {$3900.00} but wo n't tell me that directly when I ask them for proof by giving me their accounting logs. I paid them {$6500.00} and have proof of that. I feel some sort of consumer fraud is happening on their part being they 're trying to double collect on a debt that has already been paid. They even changed the case number when submitting it to my employer for the second time making my employer believe it 's a new case for garnishment. They also keep sending any required papers to my old address from four years ago when they have been given my current address to try and get what they want without me being able to respond to it and it possibly being denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPARTMENT OF EDU XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

XX/XX/XXXX I went to XXXX XXXX XXXX. I signed up for a store credit card. I was told it would be mailed to my home. I was charged {$8.00} XX/XX/XXXX I received a late bill. I never was mailed a credit card. So, the 1st thing I received was a bill with a late fee. I was willing to pay it off. I called XXXX XXXX to advise them I NEVER received a credit card. I told them I wanted to pay off everything/close account. 
They literally told me I can't pay it all off without giving them my banking information. I was not about to give personal bank info. So, they refused to let me pay off the card/close account. I wrote to the bank that responsible for the credit card. 

XX/XX/XXXX I received a letter from the bank XXXX XXXX issues their credit cards though. The name of the bank is : XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX apologized for the inconvenience. They credited my account to a XXXX  balance. I owe nothing. Yet XXXX XXXX keeps billing me with late fees. I've told them and showed them the letter from their own bank. 

XX/XX/XXXX Still receiving monthly bills. Each time they want more money bc of late fees, even though they have the letter from their bank. I gave it to them twice. 

XX/XX/XXXX I finally wrote a personal complaint to the CEO after getting no where. 

A few days later I was contacted by XXXX XXXX. Customer Relations Representative XXXX XXXX XXXX. I explained the whole story over again. Each time XXXX XXXX acts like they get it & I won't continue to try to get more money. 

XX/XX/XXXX I received another bill from XXXX XXXX. Again, I contacted them. I sent a screen shot of the letter from their back. Again, they apologized. They said it won't happen again. 

XX/XX/XXXX Today I've received another bill with more added on late fees! 

Every single month since, they mail me bills with even more additional late fees. Each month, they say they'll stop behaving this way. It never stops. I have no idea what to do. I have the letter from their bank. I also have the latest email from XXXX XXXX acknowledging that they seen the letter from their bank & I owe them nothing. 

I don't want my credit ruined when I'm not doing anything wrong. I suffer from anxiety issues. Please help me. I don't know what to do anymore! They have proof. They admitted they are wrong. But, they just won't stop the harassment. 

Thank You, XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, 2018 I tried to get through to someone at Equifax as I paid for a look at my credit score. It took me a very long time to reach a person and I believe they were located outside of XXXX. They could not help with my log in issue and said it would take 1 week to verify who I am. They rate my score far lower than XXXX and I can not easily cancel my subsciption or dispute old and out of date information. This credit company is unethical and has the ability to ruin peoples lives. They should be shut down due to shoddy practices and no ability to reach someone who speaks English fluently. This is a scam agency who tries to get you to " pay '' in order to fix mistakes on your credit report. No consumer should use this agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I did the pre-qualify section on Carmax XXXX website to potentially obtain financing for a new vehicle. I only did the pre-qualify section. It clearly stated that a prequalification would not be a hard pull on my credit. I never did a credit application. I went to the carmax store in XXXX alabama and spoke with XXXX the sells manager and he pulled up my pre-qualification on the computer. He saw where i did the prequalification online and also saw where i did not do a credit app. The next day i receive a text from a Carmax associate named XXXX. He stated that he was reaching out to me to see about selling me a new car. I never spoke with him nor texted him back. About 20 minutes later I received an alert from my credit monitoring app on my phone saying that you have a new inquiry from CarMax. I reached out to Carmax corporate office to address the issue and explained that i did not do a credit app but somehow my credit report ( XXXX ) was hit with an inquiry from Carmax. The prequalification section clearly states that no impact will be done to your credit. I received an email from XXXX at carmax corporate office saying that sometimes inquiries happen on pre-qualifications. A pre-qualification and a credit app are two totally different things. Carmax is not willing to remove this inquiry that they placed on my credit report fraudulently. The act like its no big deal, and they are hurting my credit.
Product: Checking or savings account

Comenity Bank XXXX XXXX aka XXXX XXXX aka Cathrines they said I received merchandise from them and I never received any merchandise from them I filled a police report and sent it to them along with a affidavit from them. And Comenity Bank said I receivec merchandise. I live in a bad area XXXXXXXX XXXX all the time they steal packages and break in cars. The police can't do anything but give you a police report. One week they broke into 21 cars. This is a XXXX XXXX and they always pick on the seniors. I called and told them about it today and spoke with XXXX employer # is XXXX frm Comenity Bank. They are making my credit bad I never paid them for something I didn't order. They reported to the credit bureaus. What can I do and they know I'm a senior of XXXX yrs old and taking advantage of my senior years.
Product: Mortgage

I have an XXXX mortgage. My wife is a XXXX Veteran and we are exempt from property taxes in our county. We sent the property tax exemption letter from the XXXX of assessments to the mortgage company and they refuse to adjust the escrow account and mortgage payment amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a disputed and FTC report for fraudulent hard inquiries on my credit. They have not been removed. 

Transunion : XXXX XXXX XXXX XX/XX/2021 XXXX  XX/XX/2021
Product: Checking or savings account

Dear Sir/Madam, I am writing to express my dissatisfaction and frustration regarding the recent closure of my business checking account with Chase Bank XXXX My business, XXXX XXXX XXXX XXXX, has been a valued customer of Chase since XX/XX/XXXX, and I am deeply concerned about the abrupt closure of our account. 

XXXX XXXX XXXX, I received a notification stating that my business account was being closed due to reasons unspecified. This action has had severe repercussions for my business operations, including disruption in cash flow management, inability to process transactions, and uncertainty regarding the status of pending payments and payroll. 

As a legitimate business entity, XXXX XXXX XXXX XXXX has always maintained full compliance with all regulatory requirements and has never engaged in any unlawful or suspicious activities. Therefore, the closure of our account without prior warning or explanation is not only unjust but also detrimental to our business reputation and financial stability. 

I respectfully request that Chase Bank provides me with a detailed explanation for the closure of my account and reconsider its decision. Additionally, I urge you to promptly release any funds held in the closed account and facilitate the smooth transition to a new banking institution. 

Furthermore, I expect Chase Bank to review its internal procedures to ensure that such arbitrary actions are not repeated in the future. Transparency and clear communication are essential in maintaining trust and fostering positive relationships with your customers. 

I appreciate your prompt attention to this matter and anticipate a swift resolution. Please contact me at XXXX XXXX XXXX or XXXX to discuss this issue further. 

Thank you for your understanding and cooperation. 

Sincerely, XXXX XXXX XXXX XXXXE XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX ) I have disputed several times the two accounts that they purchased that are closed and charged off. They keep coming back as verified. I asked them to provide me the contract that I signed with them to legally obtain this debt. And that it needs to be removed. And they keep stating its verified I have no idea and or contract with this agency.
Product: Credit reporting, credit repair services, 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 XXXXXXXX XXXX XXXX XXXX Account : XXXX, Account name : XXXX XXXXXXXX XXXX Account : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

XXXX XXXX XXXX reported my payment late for XXXX. They keep referring to true and accurate reporting. In this case it isnt correct. Made payment on XX/XX/XXXX and the bank decides to withdraw the funds on XXXX If there only 30 days in the month of XXXX that would put my XXXX payment on the XXXX XXXX of XXXX ( which tehnically would be the XXXX day if there were 31 days in that month. ) Bank states that it takes up to 3 days to report a online payment but in this case it took 6 days. Based on that conclusion the bank is allowed to apply payments to whatever day they see fit for processing which would not be true and accurate reporting.. Somewhere there has to be federally mandated time frame for this action to be reported.No where in their documentation do i see anything about a 3 day time frame please check XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Missouri XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number : XXXX, which is enclosed with this correspondence.By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX  ( Original XXXX XXXX XXXX  ) : Account number : XXXX, I was a victim of identity theft. 
XXXX XXXX  ( Original XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ) : Account number : XXXX, I was a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and experian both continue to display an inadequate and fraudulent collection account on my credit report. XXXX hospital does not handle there own collections and as a result of a favorable dispute filed against XXXX XXXX XXXX for an account that was completely covered my my XXXX   XXXX XXXX XXXX XXXX XXXX active during the alleged incident the account can only be labeled as a billing error on XXXX hospitals end or ID theft of some sort. 

XXXX XXXX XXXX now displays the collection under the hospitals name but with there adrress. 

That on its own is out right fraud.
Product: Debt collection

I purchased a car back in XX/XX/2021 in which the same night I found multiple violations in our initial contract which in this case voided the contract that the dealership XXXX XXXX XXXX or Capital One did not go over or handle properly and had very misleading information in it. The next day I sent the dealership and Capital One Auto finance a Rescission letter XX/XX/2021, an affidavit of truth including a Cease and Desist letter telling them I refuse to pay the alleged debt and to stop any further communication with me unless its to give me the remedy I demanded. I had the papers notarized in my residing state and said I will take legal action if need be to exercise my rights. They never responded after weeks and I had the letters sent Certified mail so I knew they had received them so I sent them another Affidavit of Truth with the evidence of there violations and another Cease and Desist and Debt validation letter but they disregarded my letters once again and called me everyday sense and sent me letters stating if I don't pay the alleged debt they will take my property despite me sending them a written notice that they violated out contract they have not responded to my letters nor have paid any mind to my request. I have put a lot of my income into my car and they are threatening they will take it away.
Product: Credit reporting, credit repair services, or other personal consumer reports

15US code and 1681S2 Responsibilities of furniture of information to consumer reporting agencies ( A ) Duties of furniture of information to provide accurate information ( 1 ) Reporting Information with actual Knowledge of errors this away not to have to pay off Any information relating to a customer to any consumer reporting agency if the person knows or has reasonable calls to believe that the information is accurate -- -- -- -Because of -- -- -- -- -- -- -- -- -- In accordance to the fair credit reporting. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account name # 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 with 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 averse item of information other than records of conviction of crime which antedates the report by more than 7 years.

15 U.S.C 1681 - 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agencies if the person knows or has reasonable calls tor has reasonable call to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

Upon investigating I found a number of falsely reported inquiries. I did not give the bureaus permission to give away my information to the companies on the dates started. Yet somehow by their placement of them on my credit repot they are considered verified without them having ever verified their validity or getting consent from me.