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

To my understanding, the banks are in the business or purchasing securities, thats it. At law it is very clear that I issued a security, namely a promissary note which the bank has already purchased. What the bank is doing is very different than what it presents to the public that it's doing. The bank purchased MY promissary note and told me they would transfer it to my account with them. However, I am aware no money is transferred at all, rather deposited. Which inturn, the deposit is merely the banks record of it's debt to the public and it also owes money to myself. 

Please refer to 15 USC 1691 & 12 CFR1002 15 USC 1691 ( ECOA ) and 12 CFR 1002 ( Regulation B ) work together to promote fair and equitable access to credit by prohibiting discriminatory practices and ensuring transparency and accountability in credit transactions.
Product: Credit card or prepaid card

I attempted to make a purchase at a grocery store on XX/XX/2019, using a Chase issued Visa credit card. The 2 attempts to pay for my purchase resulted in the transaction being denied. I then used a XXXX XXXX   Visa card, and there was no issue. I called Chase customer service to determine the reason. The customer service agent insisted it was nothing Chase had done or physical the card itself. I was made to feel like a XXXX and XXXX by how I was treated by Chase Customer service. Chase customer service also has horribly long wait times, when a customer calls.
Product: Debt collection

Advised me that as long as I set up payment plan with them they would not report to credit bureau. As soon as I started payment they reported it to my credit. Then I called and they said when I finished payment they would remove it. Then they said they never said any of that. Then they refused to provide me with the transcripts or recordings after I repeatedly asked. Then said again they would remove from my credit report and did n't. Refused to provide me with my communication with them. They also called me after I paid saying I still owe them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the XXXX of XXXX, I sent them a letter to validate unknown and incorrect information on my credit report and have not given any feedback after 30 days. I sent another letter on the XXXX of XXXX complaining that I have not received anything and up to this date they still haven't responded to any of my disputes. Under the FCRA, they have to respond to my disputes within 60 days or they have to remove those items from my report.
Product: Credit reporting or other personal consumer reports

Truist Bank inserted inaccurate information on my credit report. Truist has filed a 1099 C with the IRS which indicates the debt was charged off and the cancelled debt on Truist Bank tax return is labeled as taxable income. The debt is listed as charged off on my credit report. Income can not be reported on a credit report. Please delete the inaccurate account before I notify the proper authorities such as the IRS, FTC, FDIC, and any other regulatory agency who will ensure enforcement will be taken to rectify the issue. 

Truist account XXXX Truist account XXXX
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach, and as a result, I am requesting that all accounts listed below be blocked and deleted in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). Please ensure these accounts are removed from my credit report immediately to mitigate the impact of this breach. 
Accounts to be blocked and deleted : XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$580.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$560.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$12000.00} XXXX. XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$99.00} Inquiries to be blocked : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: 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 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 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: Credit reporting or other personal consumer reports

RE : XXXX Block Request Dear Sir or Madam : I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of Account - XXXX XXXX Balance XXXX Account XXXX XXXX Balance XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA, XXXX Email : XXXX Enclosures : Proof of identity Trafficking documentation
Product: Bank account or service

I was charged {$350.00} in overdrafts over the course of three days. 
I checked my account and realized I had pending charges that would put me negative if I did n't bring the account current. It was about {$5.00} in tota, l I would be negative. So a deposit was made and cleared by morning and my account was positive. But then the bank charged me for XXXX overdrafts from the day before. I could only see XXXX charges but they said that the XXXX XXXX is invisible and I do n't see it. ( Wait..What did she just say, I cant see it ) Its pending, I think is what she said. So I 'm like Ok. So when that pending transaction clears and posts, and I am able to see it, am I charged another overdraft fee for the same thing. Because that is what it seems like. 
Anyways I did not know my account was negative so it all went down hill from there. When I realized it XXXX days had passed. I went to pay for my husband and son 's birthday dinner only to find I was overdrawn over {$200.00}. And when woke up to call another {$70.00} was charged. So they did refund {$70.00} back but I still dont understand what went wrong. I dont know if they are reordering the transactions or what, but I did ask them to take me out of whatever program I was in that that consents to them paying a charge for {$.00} and then charging {$35.00} for it. I would rather the {$.00} be declined. I am XXXX in a state that is very seasonal. I need all the money I have to survive and dont appreciate being charged a ridiculous amount of overdrafts when I have several accounts. I am seriously considering taking my business elsewhere, XXXX consumers deserve more respect.
Product: Credit card or prepaid card

I had fraudulent activity and unauthorized charges on my card with card.com. When I found out I reported my card stolen. This happened onXX/XX/XXXX I spoke with a representative o. XX/XX/XXXX to submit the fraud I had several charges in the amount of {$550.00}. Sent all my documents back to the company and I was advise that I had to wait 10 business days for a provisional credit I was also advice that I need to call the company to have the pending charges release so they can credit my account. I advise them why do I have to wait so long for my hard earn money when I didn't create the charges. I advise them That I had to pay my Bill 's and i need my funds asap. To this date still no review. When i seen banks give provisional credit within 2 days are the same day. I feel like this company makes up there own process and doesn't comply to the law.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section XXXX. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA XXXX XXXX, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attention to this issue. Attached you will also find my ID as proof of my identity and my Proof of Address.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the 5th time I had complained about fraudulent negative account on my credit report. The following account has bee deleted and sold several time and NO VERIFICATION has EVER BEEN PROVIDED. I HAVE NO CHOICE AT THIS POINT. PLEASE ADVISED XXXX XXXX, DEBT RECOVERY SOLUTIONS THAT THIS IS MY FINAL NOTICE BEFORE I FILE A LAW SUIT AGAINST BOTH 3RD PARTY COLLECTION AGENCIES. I HAVE DISPUTED THESE ACCOUNTS BEFORE WITH NO RESPONSE IN THE PREVIOUS COMPLAINT. This is a request for proof of contract, to substantiate your claim. Therefore, provide me a certified copy of the original contract, with my signature, specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public who duly swear the copy made is in fact a copy of the original paper contract in question.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX Claim # XXXX I deposited the {$1300.00} on XXXX 2022 XXXX military time. 

The is the receipt as a proof the item the I deposited {$1300.00} was deposited, were, not able to be returned. 

I deposited cash {$1300.00}, and, I clicked check by accident, also, the day the ATM machine was acting slow and the screen kept on freezing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I mailed dispute letters to XXXX XXXX and TransUnion and all three bureaus did not follow the rules meaning they did not provide me with investigation results within the 30 days that they were supposed to.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had two late payments on an account that I was never late for 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 account : ( XXXX XXXX ) : ( XXXX ) please investigate and provide proof with statements showing that these payments were late.if proof can't be provived I demand these payments be updated to on time as they should be as I was NEVER late. thanks
Product: Credit reporting or other personal consumer reports

Previously a student with XXXXXXXX XXXX XXXX XXXX XXXX XXXX enrolled in XXXX XXXX XXXX XXXX XXXX the school lost accreditation, discontinued courses, and no longer offered a degree program. I contacted the Department of Education ( loan carrier ) and they filed a suit against XXXX to have accreditation revoked. Accreditation issues were a longstanding issue with school and has been communicated since 2008 which Dept of ED/Higher Education of Learning placed them on probation and later revoked accreditation again. Students had no acknowledgment of these issues until the bill was created. I contacted the Dept of Ed to dispute the amount balance, which should be XXXX XXXX but never agreed, could not produce accurate information from the school or come to a fair agreement. I filed numerous applications to later be informed by staff, we never received your application. On a couple of occasions and now recently on pending status. Because, of the count attempts to fix the loan amount and the court documents finding the school incompetent to render services.I am filing a complaint to ask for assistance with this matter so I can address my credit, buy a house and avoid higher interest rates and larger down-payments.
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 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: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX XXXX XXXX
Product: Checking or savings account

Wells Fargo bank rearranged my debits to collect insufficient funds. The purchases I made could not have been done if I did not have money in my account at the time. They charged me 5 overdraft fees for one actual overdraft -- a total of XXXX dollars in fees.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of five inquiries that I did not authorize. They are as follows. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sure that I am not the only person having this problem. Soon after the XXXX data breach, I attempted to access my free annual credit report. None of the services were able to provide the report due to an excessive number of requests, which was to be expected. However, returning to retrieve the information again, the sites are indicating that I have already received my free reports. I have not. 

This is ridiculous. This is my data. It is terrible that consumer 's data is being held hostage, is not being adequately protected, and is being sold as a commodity. Something must be done to correct this! If companies, like XXXX, are not adequately protecting this data, we the consumers should be allowed to view its status any time we want without a fee in order to protect ourselves.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

American First Finance Received a good bye letter on XX/XX/XXXX after falling behind over 112 days on payments due to Covid. We are reaching out to you because youve fallen way behind on your payments and were running out of time to be able to keep your account in-house. 

XX/XX/XXXX received-Current Balance : {$950.00} Amount Past Due : {$580.00} Days Past Due : 112 Paid- {$330.00} same day due to agency representative telling me I owed {$670.00} for pay off amount so I paid half and was to schedule the last payment on XX/XX/XXXX. 

Representative told me I could not get my payoff receipt balance because he could not see it on the screen. Phone hung up after he attempted to read a script. 

Called back to confirm payment and was told it went through and I received an email confirmation showing a different balance as well as a different balance after I made a payment. No one could explain why and my payoff amount continues to increase.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXXDebt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my consumer report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted off company information XXXX XXXX XXXX. Please delete the following accounts : 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.
Product: Debt collection

I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.
Product: Debt collection

The said representative of XXXX XXXX files a lawsuit against on XX/XX/2024. No notification of lawsuit was given to me. Additionally, I requested validation on XX/XX/XXXX and mailed by certified mail. The representative of XXXX XXXX mailed their response on XX/XX/2024, the same day the lawsuit was filed. I received the response on XX/XX/2024 by USPS. I was not given the opportunity to confirm validation, request verification or dispute their response as a lawsuit was filed the same day their response was mailed out. please see attached photo showing postal stamp of date their response was mailed and date the lawsuit was filed. 
I was also given insufficient validation as I was not provided the account number related to the debt they are trying to collect. I also requested proof that I made the transactions myself documents with my personal signature documents confirming consumers are responsible for transactions related to identity theft and/or scam a copy of the agreement between the creditor and collector proof the collector is licensed to collect in the state of GA, date of license include license number, the name on the license, AND the name, address and telephone number of the state agency issuing the license. 

None of the requested information was included in their response to my request for validation.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Inquiries in Dispute : XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I been going back and forth with a company XXXX XXXX XXXX XXXX XXXX and Equifax keep letting this company update my report as accurate when its not accurate at all I asked this company to provide the original charging instrument and the XXXXXXXX XXXX showing the issuer of the funds and the holder of the funds and the company will not provide this information but keep updating my account as accurate and the XXXX credit bureaus havent done they part to make sure what Im requesting be provided
Product: Credit card or prepaid card

On XX/XX/XXXX I was truing to book a flight through Chase Travel Rewards ( i have a XXXX preferred credit card ). I kept on receiving an error message " Error.Booking.Result.EngineError.183 '' and was not able to book my flight. After calling Chase travel rewards and having them try to book the flight for me over the phone, they said they were experiencing the same error. 

After being on the phone for more than 2 hours and being passed back and forth between different departments no one at Chase was able to determine what the cause of the issue was and told me to just try again tomorrow. When I looked at the flight the next day ( XX/XX/XXXX ) the price had increased from {$580.00} to {$770.00}. And I was still unable to book the flight without the same error coming up. 

After calling back and trying to book the flight Chase was still not able to book the flight, even at the increased price. They were not willing to work with me in anyway to potentially allow me to lock in a price for the flight while they " continued to look into the matter ''. 

So now I am in the situation where I pay a yearly fee of {$95.00} for this credit card and its rewards, but am not actually able to use the rewards for anything. And the reason for that is a failure in the Chase system that no one is willing to address. 

Please note that this is not the first time I have experienced this issue, as it has been an ongoing issue since over the summer.