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

I purchase tickets in XX/XX/XXXX for a sporting event in XXXX XXXX in XX/XX/XXXX for XXXX euros. The event was delayed and then canceled and in XX/XX/XXXX a credit was issued the the card, which had since been cancelled. Upon being notified in intended credit. Once notified the credit would be sent, I contacted chase to ask what needed to be done as the credit card used for purchase had been cancelled. Chase rep. Told me not to worry, credits would be accepted and they would forward me a check, may take a couple of weeks. I followed up with chase several times I. The following 2 weeks, via phone calls and secure messages, and was told they had no record of the transaction. On XX/XX/XXXX, I provided them the information provided from the merchant of the exact date and time of the credit transaction. Ive received 2 letters from chase that my inquiries are closed, one referencing the last 4 numbers of a credit card that does not match either of my chase cards. Ive been told that they hold those funds to end of year, that I had to write a letter and send to chase and other stories from the various escalations over 5 hours of phone calls. Per the merchant, the credit was sent 7 weeks ago, Chase still claims they have no record of transaction. Each time I call they escalate to another department that I can not have contact information for, and I never hear from them. I have to expect an ordd HD animation like chase experiences this issue often enough that they should have an effective process to manage, vs bounce their customers to multiple different contact centers and departments, many of which dont understand the information I am providing is related to a card Chase issued. How do I get chase to work with the vendor to resolve the issue, whether the credit transaction was attempted and successful or rejected by Chase. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Ref XXXX. They decided to respond and mention results from XXXX  which did not address my concern listed in the complaint referenced above. Therefore, they are failing to protect the information that determines my reputation. I want to be able to reach out to these companies directly who have ILLEGALLY obtained my credit information and I am seeking assistance from the CONSUMER REPORTING AGENCY so I can do so. You all should not be allowing companies to just pull my information without prior consent.
Product: Credit reporting or other personal consumer reports

Experian have a late payment on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Went to purchase a car they said my report said I had to many inquiries.I did not do them some one hacked me
Product: Debt collection

I mailed a letter to company requesting debt validation. The company did not respond to said letter. Instead the company called me everyday twice a day for 4 months.
Product: Debt collection

I am writing to formally submit a complaint against XXXX XXXX XXXX for the following reasons : 1. Inaccurate reporting the bank has reported inaccurate information regarding my account to credit reporting agencies this misinformation has adversely affected my credit score and financial standing.

2. Misuse of Federal Reserve loans, I am concerned that XXXX XXXX XXXX may be abusing loans obtained from the federal Reserve it appears that these funds are not being utilized in a manner consistent with ethical banking practices, particularly in relations to accounts.

3.Abuse of Insurance Policy, The bank charged me while collecting on the insurance policy that was supposed to insure the alleged loan. This practice appears to be and abuse of the insurance coverage and has resulted in additional financial burden on my part.

4. XXXX XXXX XXXX  is in violation of the Fair Credit Reporting Act and Privacy Act of 1974 as they continue to furnish information to my consumer Report without providing me a Privacy Notice 12 CFR 1016.4
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, While checking my most recent XXXX and experian credit report, I noticed multiple inquiries that I did not authorize to pull my credit report. The inquires were made by the following companies : I did not authorize anyone employed by these companies to make any inquiries and view my credit report. This is a violation of the Fair Credit Reporting 15 uscAct Section 1681b ( c ) and a serious breach of my privacy rights.

MY CLIENT PUT A CREDIT FREEZE ON HIS CREDIT REPORT ANY unauthorized inquiries SHALL DELETE immediately XXXX and EXPERIAN DID NOT REMOVE ALL UNAUTHORIZED INQUIRES AS THEY PROMISE AND NEED TO REMOVE ALL UNAUTHORIZED INQUIRIES. 
THEY DID NOT DO ANY investigation VIOLATE LAW 15 USC 1681b 15 U.S. Code 1681d - Disclosure of investigative consumer reports 15 U.S.C 1681 section B ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX and many other times I have disputed this information because the inquiries on my credit reports are fraudulent and were not made by me. I am a XXXX veteran and I have not tried to buy a vehicle since XXXX. I did not try to buy a vehicle in XXXX or XXXX nor XXXX! Nor have I applied for any credit! 

XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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 XXXXXX/XX/XXXX I have contacted these companies individually and they keep redirecting me to the credit bureaus and the credit bureaus wont even investigated it!
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally complain about XXXX, Equifax, and XXXXXXXX XXXX repeated failure to process multiple mail-in disputes I have submitted since XX/XX/year>XXXX Despite providing all necessary identification and documentation, XXXX has consistently cited verification issues without specifying any additional documents required to complete the verification process. 

Background : Dispute Submissions : Beginning in XX/XX/year>, I have mailed several dispute letters to XXXX, Equifax, and XXXX in 40-day increments, each accompanied by copies of my government-issued identification, Social Security card, and proof of address.

Credit Bureau Response : In each instance, the credit bureaus responded by stating that they could not process my disputes due to verification issues. However, they have not requested any specific additional documents or provided guidance on how to resolve these purported verification problems. 

Applicable Fair Credit Reporting Act ( FCRA ) Violations : These automated responses appear to violate several provisions of the FCRA, including but not limited to the following : Failure to Conduct a Reasonable Reinvestigation ( 611 ( a ) ( 1 ) ( A ) ) : The FCRA mandates that upon receiving a dispute from a consumer, a credit reporting agency must conduct a reasonable reinvestigation to determine the accuracy of the disputed information. XXXX, Equifax, and XXXX 's refusal to process my disputes without adequate explanation or guidance fails to meet this obligation. 
XXXX XXXX XXXX XXXX to Provide Notice of Dispute to Furnishers ( 611 ( a ) ( 2 ) ) : The FCRA requires that a credit reporting agency notify the furnisher of the disputed information within five business days of receiving the dispute. By not processing my disputes, XXXX, Equifax, and XXXX have neglected this duty. 
XXXX XXXX XXXX XXXX to Review and Consider All Relevant Information ( 611 ( a ) ( 4 ) ) : The FCRA obligates credit reporting agencies to review and consider all relevant information provided by the consumer in the dispute process. Despite the comprehensive documentation provided, XXXX, Equifax, and XXXXXXXX XXXX blanket refusal to process my disputes indicates a failure to comply with this requirement. 
XXXX XXXX XXXX Request for Assistance : I respectfully request that the Consumer Financial Protection Bureau investigate the handling of my disputes and take appropriate action to ensure compliance with the FCRA. Additionally, I seek guidance on how to proceed with my disputes to ensure they are processed in a timely and fair manner. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

As a young lady I was never educated about my credit or even checking my credit. Now that I am older and want to purchase a home I Started educating myself more about my credit and Started to look at my credit more. I realized that my identity was used, which I do not understand how people or a person was able to open accounts in my nam
Product: Student loan

On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, my bill and payment for {$40.00} dollars did not go through when it was on auto-bill. After seeing late payments hit my credit report, I reached out to the lender/company and they said that the payments were not accepted because the name on the credit card that was being processed did not match the name on the student loan account. They never notified me of the rejected payment or explained why the payment was rejected and gave me this late payment. I now have difficulties being extended credit because of these marks and the company will not help me with this unfair situation.
Product: Prepaid card

I have tried to use a pre-paid Amex card tonight online. I ordered dinner. I put in all the info- the card number, the expiration date and the 4 digit code. It was declined. I tried to use this card at XXXX. Same thing. Declined. I check the amount online and it's active and there's money available. I think Amex has a scam goin where they don't make the cards usable even though they tout " cards can be used anywhere ''
Product: Checking or savings account

I have tried three times to arrange for a CD due to mature on XX/XX/XXXX to be paid to me in full ( preference is a transfer to my existing Wells Fargo account ) ON THAT DATE. 

I first asked a teller. She told me to make an appointment with a banker but there weren't any bankers working that morning so I should set up the appointment online. I did so. 

When I went to that appointment, the banker told me I would need to pay a penalty for closing the account early. I corrected her, saying I did not want to close the account early, I only wanted to arrange for it to be closed at the scheduled time. I was told that was not allowed, and that I had to make another appointment on the exact date it came due. 

Today, I received a letter from Wells Fargo and was given instructions that I could either make an appointment with a banker or I could call a number to close it. I called. I was told I had to call back between XX/XX/XXXX and XX/XX/XXXX but 'the system ' won't allow it to be pre-scheduled. 

This is nothing but an attempt to make the process so difficult that people end up renewing without intent or desire. If the system actually won't allow it, that's because they have chosen to hinder the process.
Product: Credit reporting

I recently pulled a copy of my credit report and noticed the following information are in error : Credit Inquires : The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following credit inquiries are related to none of the aforementioned permissible purposes : XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX And XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX You have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] As you have now violated federal law, by not properly investigating and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. 
I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.
Product: Mortgage

I have gotten a divorce and my ex had taken out XXXX credit cards using my financial information. They want me to get her name off the mortgage now. Last XXXX I started that process with Bank of America who holds my mortgage, while my credit was still up. They closed the process on me in XXXX with no notification at all.. I then had to go to getting a Loan Assumption because the credit cards the ex had gotten and not paid were now dropping my credit below XXXX. Bank of America told me credit rating was n't an issue with the assumption since I was already on the mortgage. They were more focused on ability of repayment, which my attorney, work comp, and Long Term XXXX carrier all sent necessary papers covering that. Then Bank of America sent me a denial letter stating my credit was n't good enough for them. They lied to me. I am about to lose the only home I have and worked for, for 30 years. My ex is trying to force it to be sold to make me move. I just had back XXXX in XXXX and XXXX XXXX XXXX XXXX XXXX, 2016. My granddaughters live across the street and my wife ran off with my best friend from church. I only have a short amount of time to get this done before she has the judge force me to sell. I just need her name off the mortgage and to assume the loan, which I was told would not be an issue then they lied and denied me. Bank Of America has been penalized here in the recent past for their wrongful and unethical loan & mortgage practices, and it seems they are at it again at the expense of us poor XXXX Veterans and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've recently checked my credit report with Experian, XXXX, and XXXX, and in my amazement, I found an account that I did not open. I am a victim of identity theft and XXXX XXXX / XXXX account ( acc no : XXXX ) is a fraudulent account. I submitted the FTC Identity Theft Report to the credit reporting agencies and they deleted the fraudulent account. But Experian reinserted the fraudulent XXXX account back to my credit report without sending me any note or letter.
Product: Debt collection

Received an alert on credit file for XXXX, XXXX, and XXXX XXXX saying new collection added to file. It stated XXXX of which I have yet to have spoken to a person regarding a debt, I have never received on written documentation in order to properly research and accept this debt all verifiable.it was just added as if I do n't acknowledge, and do n't care which is never the case. I 'm a single mother bettering myself and this is a passive illegal tactic most debt collectors like to do to your credit file, to make the person seem they do not care. This is not fact when no contact an legal notice of debt has never been received from this company for this said debt, by law giving me the customer a right to dispute, or accept this debt as is.
Product: Prepaid card

Went to add paper money to cash app like I always do to pay my bills and all of a sudden the add paper money feature was gone called and asked them what happened to it and they said it was not available that they can remove it without notice I told them that that was not in there disclaimer when I opened account they said we'll we can't help that and there is no way to change it it was there choice had this card for years and all of a sudden they remove it glad I don't use them for direct deposit
Product: Credit reporting or other personal consumer reports

Dear Credit Bureau I am writing to bring to your attention an erroneous late payment entry on my credit report, which I believe to be a violation of my rights as a consumer. As per the Fair Credit Reporting Act ( FCRA ), it is crucial that accurate and fair information is reported by credit bureaus. 

I have recently reviewed my credit report and discovered a late payment record from XXXX XXXX XXXX dated XX/XX/2024 and XX/XX/2024. However, I firmly believe that this late payment entry is incorrect and should not be associated with my credit history. I have diligently maintained timely payments with XXXX/ XXXX XXXX and have no record of any late payments. 

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 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.

I kindly request that you conduct a thorough investigation into this matter and rectify the erroneous late payment entry on my credit report as soon as possible. Under the FCRA, I am aware that each violation may result in a penalty of {$1000.00}, and I expect appropriate action to be taken to address this violation.

Enclosed with this letter, please find copies of relevant documents including payment receipts and statements that support my claim of timely payments. I urge you to consider this evidence during your investigation.

I expect timely resolution of this dispute and a written response within 30 days as mandated under the FCRA. Additionally, I request that you provide me with an updated copy of my credit report reflecting the removal of the inaccurate late payment entry.

Thank you for your attention to this matter. I trust that you will handle this dispute promptly and in accordance with the law.
Product: Debt collection

XXXX/XXXX/XXXX IS DATE GIVEN TO ME - I DID NOT OPEN AN ACCOUNT WITH THEM IN XXXX {$410.00} - I DO NOT OWE DEROGATORY MARK ON MY CREDIT REPORT WITH XXXX AND XXXX, XXXX HAS REMOVED IT. 
I HAVE DISPUTED IT TWICE BECAUSE THEY FAIL TO SHOW ME ANY TYPE OF CONTRACT BETWEEN I AND PORTFOLIO RECOVERY AT ANY POINT. 


XXXX XXXX, XXXX - PUBLIC RECORD A PUBLIC RECORD WAS REMOVED FROM MY CREDIT REPORT AND THEN LATER REPLACED. IT IS UNLAWFUL FOR THEM TO REPLACE ANY DEROGATORY INFORMATION ON MY CREDIT REPORT WITHOUT NOTICE. THIS HAS ALSO BEEN DISPUTED TWICE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since the beginning of this year I have noticed a Charge off appearing on my account under Kia Motors Finance. The thing is I returned this vehicle to XXXX MONTHS AGO when the lease was up. The car was returned and in their possession yet they are somehow reporting that this account is a charge off? I have never been late once on this account and they are now in possession of the car. THIS HAS BEEN AFFECTING MY LIVELIHOOD. Kia 's irresponsibleness has lead to my credit report being damaged for no reason. I have tried disputing this, calling in, but maybe I am doing something wrong. I have now decided to submit a complaint and if not resolved continue this complaint with legal action. Again this vehicle was returned on time and was at XXXX XXXX XXXX as soon as the lease was up on XXXX. Please resolve this as I do not know why this is reporting on my credit as a charge off from XX/XX/XXXX until XX/XX/XXXX. This is wrong.
Product: Credit reporting or other personal consumer reports

As of today, you have failed to provide a valid response or correction regarding these disputes, in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Furthermore, under 15 U.S.C. 1681i ( a ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information within 30 days of receiving notice of the dispute.

I want answers asap on these negative accounts. You have had ample time to investigate these accounts and provide me with a response and you have failed to do this. 

I want these negative items deleted. 

Documents are attached.
Product: Debt collection

Credit central in XXXX AL came to my tailor with a letter demanding I call a woman at the company named XXXX XXXX I called From my cell phone I blocked my number witch they got the next day illegally and called me.. I only owed them XXXX dollars.. The lady XXXX treated to sue my girlfriend s camper trailer we live in and she tweeted to take my girlfriends XXXX car.. My girlfriend did n't get the loan did n't sign any papers my girlfriends been living with me for a year and a half but she is still legally married to someone else in another state so we are not common law married.. Me and my girlfriend and both XXXX.. XXXX said harrying me we should n't me living in a camper if we make XXXX a month.. XXXX said she talked to our landlords we rent our lot we park our travel trailer on and XXXX said our landlords said we were always XXXX on our rent. 
.more harassment.. XXXX said my family told yet I was playing a game borrowing money from every body in town.. A lie my family did n't I just got in XXXX bad situation.. It us clear she phone harassed me I 'm XXXX with a severe mental illness I giving you the facts the phone records can be checked.. Between my number one time calling credit central ..I was criminally harassed my harassment had nothing to do with the debt it was criminal harassment. By XXXX at credit central in XXXX AlI give you my word ... I would have paid the money back I got in a bind taking care of my XXXX girlfriend fiancee