23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/XXXX I made a purchase using my Chase Sapphire card to XXXX for XXXX. 
On XX/XX/XXXX I closed the Chase Sapphire card with an account balance of {$0.00}. 
According to Chase, the closed account was " purged '' on XX/XX/XXXX. 
On XX/XX/XXXX, XXXX canceled my trip and refunded the amount ( {$6200.00} ) to the purged account. 
On XX/XX/XXXX, I spoke with Chase and was told card services was placing a claim to someone about the refund to the purged account. 
On XX/XX/XXXX, I received a letter from Chase that the account did not exist and that the had closed the inquiry. 
Also on XX/XX/XXXX, I spoke with XXXX and Chase. XXXX assured me that the refund had been process to the closed account. Chase again placed a claim to someone about the purged account.
Product: Student loan

In XXXX of XXXX I submitted my final Employer Certification Form to fulfill my 120 payments for PSLF forgiveness, initially Mohela did not count these payments because they falsely evaluated my ECF to be a " duplicate form '' rather than a new form from the same previous employer. Finally in XX/XX/XXXX that issue was corrected and on XX/XX/XXXX my payment count for PSLF was updated to 121 on both Mohela 's site and Federal Student Aid site. I also requested on my ECF that my loan go into forbearance while awaiting discharge and that has not been reflected on my account, despite being told by a customer service rep over the phone this had been completed. Now I am recieving messages from Mohela about my account going into repayment this month. Finally, I was told it could take up to 90 days for discharge to take place and it has been well over 90 days and Mohela continues to tell me it is awaiting information from Federal Student Aid despite their counts having also been updated over 90 days ago to reflect over 120 PSLF qualifying payments. I am supposed to be leaving my employer in XXXX and will not be able to afford the current IDR payment that I shouldn't have because I have completed all requirements for PSLF. This is causing a financial hardship for my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope you can help me out with this problem. Back in XXXX of this year I file disputes with all 3 credit bureaus. I find it unacceptable that I havent got any response from any of them. I understand things have gotten slow since covid start but this is crazy to be almost two months and nothing.
Product: Checking or savings account

My name is XXXX XXXX and I am writing to you with hopes that this is a topic that can further be invested and light can shine on the discrimination against business owners with a criminal background in the past. 

I am co owner of a small business trucking company in Texas. My business partner ( also my significant other ) have started this business from the ground up. We are licensed by several governing bodies and growing. I mention this to lay the foundation of the steps it has taken to get to where we are. 

My partner and I have been banking with USAA over 8 years. I have utilized their car insurance policy for over 10 years. In recent days we received notification that USAA has decided to no longer provide banking to him and has threatened to drop me as my insurance provider if I refuse to sign a letter of exclusion. They gave no reason as to why and after several phone calls- no one was able to give me answers. 

Finally, XXXX representative was able to transfer me to the underwriter for the USAA auto insurance policy. Due to my partners criminal background. He WAS a felon and has done his time with the justice system over 7 years ago. NOW they decide to no longer do service with us ( even though they have been doing service with us for almost a decade ). When I asked to review this clause or stipulation, she said I wouldnt find XXXX. They have the power to make that decision ; regardless of the sacrifice his grandfathers have made and the promise they make to their military customers and loved ones. They can discriminate against anyone when ever they choose base on whatever background they may have had. 

After reviewing this 'exclusion clause it would signify that should there be a car accident and our family is in it- everyone EXCEPT for him will be protected. How is that not discriminatory? What happened to a fair chance? Or the simple fact that his civil rights and mine are now being taken away and the bank is getting away with it? 

The underwriter also said that it was a good thing we arent married because they would immediately terminate my coverage. Why is it their business who I marry? Why should a long standing member be clumped in with this discrimination? I am not paying for his auto policy. Why does the past of a successful business man matter? 

I bring this to your attention with hopes that it can be investigated further- I do intend in seeking a civil rights lawyer to fight this injustice. I know many other families who have unfortunately been discriminated against for a past that no longer defines them or a past their loved ones have and it has directly affects them- like myself. Thank you for taking the time to read this. Please feel free to contact me if you have any questions. 
Have a great day, XXXX XXXX XXXX
Product: Debt collection

This debt was garnished from my bank account in full in XX/XX/XXXX. As far as I knew, my dang was satisfied at that time. I communicated with them, they were aware the garnishment took place, and I made it clear that I am XXXX and do not have the proper coping skills for extremely stressful situations ( which it was. ) A few months later, I received a dissolution of garnishment, which I assumed meant the debt was satisfied. I never received additional legal paperwork or new filings. 

A year and a half later, in XX/XX/XXXX, my bank account was garnished again for the full amount of the debt. The original garnishment was still being held by my bank. I contacted the collection company and they said someone had neglected to file paperwork properly to request the funds from the bank. Those funds were also never released back to me. I had also been charged fees and my amount owed increased from approx XXXX to over XXXX. I was struggling with my XXXX and medical issues already, and this added more stress, and contributed to me having to take XXXX leave from work in XX/XX/XXXX. All of the funds were finally released from my bank, and I contacted the creditor asking for settlement options so I could pay them directly and make this problem go away. They would not provide those to me, and within a couple days I received a notice that my paychecks were going to be garnished. So I let that happen until the amount was paid in full. I have confirmation that those funds were collected and are still being held by XXXX. 

I have now received another request being then to be paid for the same debt that has been garnished XXXX  times. The amount owed is over {$2500.00} because they have continued to charge me fees. I dont know what to do. I am autistic and have XXXX, so my cognitive functions become impaired when XXXX under too much XXXX. I am vulnerable and feel like I am being exploited. XXXX trying to do whatever XXXX supposed to do- they have had the opportunity to collect their money multiple times, and have neglected to do so multiple times through no fault of mine, and are using that as an opportunity to charge me more fees. Please help me.
Product: Checking or savings account

I deposited a mobile check yesterday and once again, the bank first subtracts the amount from my account ( putting it in negative territory ), then they put a hold on the check. How's that fair? If I deposit a check for XXXX, they first withdraw that amount and keep my account negative until their own hold of the XXXX is released. They are treating me different than other folks and this issue was previously resolved when I had a Key bank account in XXXX XXXX, XXXX a few years ago. I filed a CFPB complaint and Key agreed to allow me to open an account and remove all red flags as this was due to their own error. Now, I open an account in XXXX State and find that the red flags are still there and they have limited my account and take drastic measures when there's a deposit. Secondly, when I opened this account, I responded to a banner ad for a {$300.00} bonus for opening a checking account. But when I went to do this online, it said I only qualified for a basic account and no bonus even though my credit score is XXXX. I should have gotten the bonus. I know that I qualify for a deluxe account because I just had one in XXXX XXXX. Key needs to get its systems talking from both Coasts. They agreed to restore my account and remove red flags - they have gone back on their word.
Product: Credit reporting or other personal consumer reports

I am writing this complaint to formally dispute the inaccurate reporting of a XXXX under XXXX XXXX. XXXX on my credit report. This XXXX was canceled with the court and did not proceed, making this information invalid and misleading. 

I have confirmed with the court located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX handling the case that they do not share such information with credit bureaus. Therefore, this inaccurate entry raises serious concerns about how the information was obtained and reported. 

I do not consent to the dissemination of my personal information through any third-party bureaus, and I demand the immediate removal of this incorrect entry from my public records. Its presence on my credit report is causing undue harm to my financial reputation and opportunities. 

If this error is not resolved promptly, I am prepared to pursue legal action to protect my rights and address the damages caused by this negligent reporting. 

Please confirm in writing when these corrections have been completed or provide a detailed explanation with supporting documentation if corrections can not be made. Please block this information from my credit report within XXXX business dats pursuant to section 605C of the Fair Credit Reporting Act. 

Please acknowledge receipt of this letter and provide a written update confirming the removal of the incorrect XXXX  entry within 30 days, as per the Fair Credit Reporting Act ( FCRA ). 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint to express my serious concern over multiple unauthorized inquiries on my credit report that have negatively impacted my credit score and my ability to acquire credit. 

The details of the unauthorized inquiries are as follows : XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX - XXXX Dates : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX These inquiries were made without my knowledge or consent, which directly violates my rights under the Fair Credit Reporting Act. 

Such unauthorized inquiries not only have an adverse impact on my credit score, but they also raise concerns about potential identity theft or fraudulent activity tied to my personal credit information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple complaints about ally financial and how I told them that I was sold a car that was in an accident. I told them that if I had known the car was in an accident I wouldnt have purchased the car. I also told them to cancel the deal with the dealership. 
Attached is a conversation I had with the dealership through XXXX  on in which they stated how they dont have to give a car fax and how they still sell cars that were in accidents without telling customers. 
Not giving a car fax was concealing the fact that the car had an accident because within less than 3 weeks of getting the car it had to be taken to get fixed 2x. Ally didnt car about customer satisfaction. A lot of the fees that the bank is trying to collect was not a part of the loan. I told them to cancel the loan because the car was defective and in an accident.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) account # XXXX, also XXXX XXXX XXXX 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
Product: Debt collection

The original creditor XXXX was paid all rents and utilities on time and in full. After completing the lease there was never any notice of any additional money owed as everything was paid in full. Several months later Hunter Warfield ( a collection agency ) contacted me saying I owed over {$800.00}. I requested a full description and invoice for what was owed and never received a response. They later added a derogatory remark on my credit reports. Note that the original lease company never contacted me on this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureau is reporting an account from XXXX XXXX XXXX. XXXX XXXX XXXX received my personal medical information from XXXX XXXX XXXXXXXX XXXX XXXX  XXXX. This is a HIPAA violation! I did not authorize for my medical information to be sent to a third party. Please remove this account from my credit profile immediately! This is a violation of my rights. Legal action will be pursued if this account is not removed immediately. 

I AM NOT A CREDIT REPAIR COMPANY
Product: Checking or savings account

From XXXX XXXX through XXXX XXXX my checking account went from XXXX to XXXX without my knowledge or consent. Notified the Chase Bank and filed a complaint to have my funds reimbursed and Chase Bank denied my request
Product: Debt collection

XXXX  XXXX  finished my policy and they still attempted to collect without notice XXXX XXXX has 2 collection agencies after i closed the account and never had a contract with them
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, 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 an account without my written instructions.

15 U.S.C 166b - timing of payments- A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted BMW Financial over a month ago regarding account. I also contacted XXXX, XXXX, and XXXX XXXX regarding this fraudulent account. It is illegal to report anything that is inaccurate and I would like this account removed immediately.
Product: Credit card or prepaid card

I have been a Capital One cardholder since XX/XX/XXXX. 
I have always made my payments on time. I lost my job during the coronavirus crisis. 
I contacted Capital One for assistance. In XX/XX/XXXX, I called Capital One to be enrolled in a Relief Program. Capital One informed me that I will be enrolled in a Specialty Assistance Program.

After Capital One enrolled me in Specialty Assistance Program, my monthly payments went up. 
I wrote Capital One and informed them of the inaccuracies and requested that they correct them. 
Instead of helping me Capital One ruined my credit. 
Capital One did not respond or correct the inaccuracies on my Capital One Account Statement.

Is their Specialty Assistance Program a shell? Instead of helping me they have been deceptive, unfair and ruined my credit. 
Capital One sent my account to collections. 
I wrote them but they are still calling and harassing me.
Product: Mortgage

Please see the complaint attached along with written request dated XX/XX/2019 to PHH and supporting documents.
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 168b permissible purposes of consumer reports. 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. 

Inquiry Was Not Authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681b - Permissible Purposes of Consumer Reports : This section outlines that consumer reports can only be furnished under specific conditions. My rights to privacy and confidentiality have been violated as my report was accessed or shared without permissible purpose.

15 U.S.C. 1681s-2 ( a ) ( 1 ) - Responsibilities of Furnishers of Information : This statute prohibits the furnishing of any information to a consumer reporting agency that is known to be inaccurate or has not been verified. [ Name of Furnisher/Creditor ] has furnished information that is either inaccurate or unverifiable.

15 U.S.C. 1681 Section 602 ( a ) ( 4 ) - Right to Privacy : The statute emphasizes the need for consumer reporting agencies to handle consumer information with fairness, impartiality, and respect for the consumer 's right to privacy. This has not been upheld in my case.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) - Requirement for Written Consent : This section specifies that a consumer reporting agency can not furnish a consumer report without the consumer 's written instruction. I did not provide written consent for the inquiry or account listed.

15 U.S.C. 1681c ( a ) ( 5 ) - Prohibition of Obsolete Information : This section prohibits the reporting of adverse information older than seven years ( except for records of convictions ). The report in question contains outdated or irrelevant information.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 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 XXXX 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

1 ) Transunion 2 ) XXXX  3 ) XXXX  All three of the above named entities have incorrect information on my credit report, either matters wrongly attributed to me or records which are validly mine but contain false information and no matter how many complaints I file ( with either the Credit Bureau or the Creditor ) it never goes off my report. I need this addressed and the situation redressed and rectified immediately, as it is impacting my quality of life severely and violating my constitutional rights. 

Please call me at XXXX XXXX XXXX to discuss remedies and mitigation. 

Kind regards, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently sent a dispute over to XXXX XXXX XXXX XXXX due to inaccurate late payments I had on my report. This account is closed now because I paid off the car in 2016. I know that any misinformation on your report can hinder you from gaining more assets or liabilities in the future. My credit report shows that i have good payment history and paid as agreed from XXXX, and XXXX. I have recently printed off my credit report and it shows my payment history. 

I wanted XXXX XXXX XXXX XXXX to update the info to show I did have good payment history with them and was never late on my payments. by law i can challenge the creditor and credit bureau if something is inaccurate. at least 1 out of 4 people in America has inaccurate info placed on their report and this is the issue for me. I have sent 3 letters out to the Credit bureaus and XXXX XXXX XXXX XXXX. So I wanted to Make the creditor prove that I were late, as they are reporting it to the credit bureaus. If they can't prove that you were late, ask them to delete the negative item.

This can improve your score.. Sending a copy of me being late on payment on my credit report does not match my report and i need more receipts stating the dates completely that I was late on my payments bearing my signature. I have sent a notary letter to them along with letters stating to remove unverified accounts off my credit report if they cant prove it.

This is a violation of 15 U.S.C. 1681 under the FCRA to have properly
verified that an account listed on my credit report is mine by having a copy of the original application and any documents reported correctly, who in the company verified these accounts. how did they verify them, and provide me with the individual, business address, telephone number of the person or business contacted during my re-investigation. They sent letter and credit report but no changes were made at all. all 3 CRA have not updated the account upon request regarding XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have on three separate occasion in the past 90 days tried to call Trans-union to have these hard inquiries removed from my report as I dont recognize them and these companies have not sent me any information in regard of the reason of inquiry. This is unalwful 604. Permissible purposes of consumer reports.