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

On XX/XX/2022, when attempting to go online to check statements and pay my bill, my login was blocked with a message that my account had been locked due to suspicious activity. I called the number Chase indicated and was on hold for XXXX minutes before I was connected to someone. The representative was unable to help me because the " XXXX XXXX XXXX '' was not available after XXXX XXXX. 

The next day, still unable to access XXXX ) my account ; XXXX ) get information about my due date ; XXXX ) or my current statement, I called into the various numbers attempting to gain access to my online account. I was able to confirm my card was still available for purchases, but my linked checking account and online ID were " restricted. '' Despite several calls, I was unable to reach the team until close to XXXX on XX/XX/XXXX. When the call back happened from the " XXXX XXXX XXXX, '' the rep disconnected the call because of background noise ( I was along a highway pulled over ). I called back to talk to a supervisor and was advised I could not have a paper copy of my statement or any other document. 

I called again on the morning of XX/XX/XXXX to the " XXXX XXXX XXXX. '' I was connected and discussed my case for XXXX minutes with a representative. Again, I asserted that I had the right to a paper statement since I was unable to access any of the electronic documents or make payment through the website. I was denied that request. In addition, I was told the only way to unlock my online account or gain access to statements, etc. was to go to a branch and present XXXX forms of ID. In addition, despite having authenticated with multiple individuals and having just provided the required ID at account opening for the checking account just XXXX weeks prior - I had to provide this documentation or I would not gain access to any of my accounts again. 

This is a clear violation of XXXX XXXX and other applicable regulations. If the bank does not provide access electronically- it is my right to receive a paper statement at my address that I can use to pay my bill. Even when I requested to close my accounts, I was denied that ability by the team. 

Chase can not hold my money XXXX and prevent me access to the tools I need to pay my bill and maintain my account- especially when it could impact my bureau reporting and credit record.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and request that all accounts listed below be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts were opened or reported without my authorization, and I request their immediate removal from my credit report. 
The accounts in question are as follows : XXXX. XXXX Account Number  : XXXX Date Opened : XX/XX/XXXX Amount : {$10000.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$4000.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$1300.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$280.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$1800.00} XXXX. XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$380.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$550.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$5200.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$5200.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$920.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$920.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$450.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$450.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$750.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$4700.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$210.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$2400.00}
Product: Credit reporting or other personal consumer reports

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly. 

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 also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services. 

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Product: Checking or savings account

I received my back pay for my unemployment finally after waiting for it to be fixed for over 3 months, it took a lot of time and effort to get it fixed. Once my deposit hit my chime bank account withing a hour or so they suspended my account due to unusual activity, I guess a deposit from the unemployment office is unusual activity, before it was suspended I have gotten my deposit every week for over two months and never had a problem. So once I found out my account was suspended I called them immediately and found out basically they wanted me to verify myself, and I asked them what I needed and I sent everything immediately, once they receive documents they say they have 24 to 48 hrs to respond, so the next morning which was about 12hrs later they responded and now I'm wanted more information, they asked for more stuff than the unemployment department ask for, so I provided that, I called right after I sent everything and confirmed they had everything they needed but there was nothing else they could do for me because the department that handles the suspended account is a special department and can't be contacted any other way than email. It's been 48hrs times 3 now and still no response, I send emails every few hrs no response, I've checked there reviews out and there is a bunch of people with the exact same situation as me that lost there money, I will not let that happen to me, I did nothing wrong. It seems to me that they are taking advantage of low income people and keeping there unemployment knowing there isn't much they can do about it, most low income people don't have the resources to afford to do anything and they know that.
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 federal protected consumer rights to privacy and confidentiality under 15USC 1681. XXXX XXXX # XXXXXXXX XXXX  # XXXX, 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 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer reporting containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

My loans were dismissed when I was determined to be  XXXX  due to   XXXX   XXXX   in  2013.  I ended up going back to work before three years and my loan was reinstated immediately and payments were due with interest. I was talked into a deferment/forbearance due to not having an income for several months. The interest that my loan received is astonishing. I am still trying to catch up from being off work during  XXXX    XXXX   and it is almost impossible to pay back {$60000.00} in loans. I only received an  XXXX   XXXX !
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Texas, XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Investigation and Account Deletion Under the FCRA Dear Sir or Madam, I am writing to you regarding the account [ XXXX ] reported in my credit history. Following a dispute with XXXX, this account has been removed from their report because the information was found to be inaccurate or unverifiable. Attached to this letter is the confirmation of deletion provided by the other credit bureau, further demonstrating that the data provided by the information furnisher does not meet the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). 

During their investigation process, the other credit bureau reviewed the details of the debt and determined that the information could not be verified as accurate. As a result, they removed the account from their records. I expect the same level of diligence and adherence to the FCRA 's requirements in your investigation. 

Pursuant to XXXX XXXX. XXXX ( b ), you are required to maintain reasonable procedures to ensure maximum possible accuracy in the information contained in my report. Since this information has already been removed by another credit bureau, I request that you review this account and remove it from my report to reflect the same level of accuracy.

Furthermore, under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I demand that you conduct a reasonable and thorough investigation of this dispute. The removal of this account by another credit bureau strongly suggests that this information can not be verified. Additionally, under 15 U.S.C. 1681s-2 ( b ), the information furnisher is obligated to correct or remove inaccurate data across all credit bureaus with which they operate. I request that you contact the information furnisher to confirm that this information should be removed from your files.

Finally, please note that failure to comply with your obligations under the FCRA may result in civil liability under 15 U.S.C. 1681n and 1681o. I look forward to a prompt resolution of this matter and request confirmation of your receipt of this dispute, as well as the removal of this account, within the XXXX timeframe required by law. 

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

My mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. 

XXXX XXXX XXXX XXXX/XXXX XXXX {$4900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I want Equifax to review the attached dispute form and investigate my dispute. The following accounts are paid in full : XXXX XXXX and XXXX XXXX XXXX  XXXX XXXX The following accounts and credit card was reported lost/stolen : XXXX XXXX XXXX and XXXX XXXX Bank XXXX The following debt collection account is fraudulent and not my debt collection account : XXXX XXXX  XXXX XXXX {$360.00}. The following public record is not my public record : XXXX XXXX  XXXX of Minnesota, reference number : XXXX, XXXX  XXXX XXXX  Discharged. The following credit inquiries are fraudulent, unauthorized, and not my credit inquiries : XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, and XXXX, XX/XX/XXXX.
Product: Debt collection

Dear CFPB, I am submitting a formal dispute regarding an alleged debt reported by Caine & Weiner Company on my credit report. I request assistance in ensuring that the creditor or collection agency provides proper validation of this debt, as required under the Fair Debt Collection Practices Act ( FDCPA ). The details of the account in question are as follows : XXXX XXXX Name : Caine & Weiner Company Account Number : XXXX Amount in Dispute : {$100.00} Request for Validation : I am requesting that Caine & Weiner Company provide the following information to validate their claim of ownership and the accuracy of this debt : XXXX. A copy of the original signed agreement or contract that establishes my obligation to pay this debt. XXXX. Proof of their legal ownership of the debt, including the full chain of title and an assignment contract demonstrating their authority to collect on this debt. XXXX. A detailed accounting of the debt, including the original balance, any fees, interest, and other charges added. XXXX. Documentation verifying that the debt is within the statute of limitations. Without this documentation, I believe this account has been wrongfully reported to the credit bureaus and request its immediate removal if it can not be validated.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report. 

Dear CFPB, I am filing a formal complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for the account XXXX with XXXX XXXX Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case.

TILA Violations The Truth in Lending Act ( TILA ) emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness and negatively impacted my credit score, violating these provisions.

Protection Against Non-Payment of Obligations Act ( PAANL ) This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers. The late payment reporting errors in my case suggest that this obligation was not met. 
New Evidence of Error Equifax : The account inaccurately reports a 30-day late payment in XX/XX/XXXX and a 60-day late payment in XX/XX/XXXX, even though all payments were made on time. 
Pattern of Inaccuracies The continued reporting of late payments across XXXX, XXXX, and Equifax shows a persistent pattern of errors. These late payments have been inaccu

rately reported despite my account being on autopay and having no missed payments. Request for Immediate Correction I am formally requesting that the inaccurate late payment notations be removed from my credit report immediately. The entries must be updated to reflect my true payment history, which is 100 % on tim
e. Should this issue remain unresolved, I will escalate my complaint further, including pursuing legal action and filing additional complaints with relevant regulatory agencies to protect my consumer rights. 
Thank you for your immediate attention to this matter. I look forward to receiving written confirmation of the removal of these inaccurate entries within 30 days. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

After reviewing my credit profile on XX/XX/2021 I identified a discrepancy with account listed under Cascade Collections. I requested a validation on XX/XX/2021 as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2021 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me despite my credit report nor any updates to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. As of XX/XX/2021 I have not received the requested validation in a timely manner according to the Fair Debt Collections Practices Act and I do not believe the account belongs to me nor do I believe that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Product: Credit card

A claim was opened on XX/XX/year> for a fraudulent charge in a foreign country in the amount of {$750.00}. I have been a Bank of America customer for 18 years and have never filed a claim. I disputed this charge 3 times and all 3 times it was denied. They stated my card was used for the transaction but my card never left the hotel room. When I called they just keep reopening and do not resolve the issue. It was used for some excursion and I have asked for my information that was given to the company and they do not have anything. Just stating my chip was used. My friend that was also traveling with me had the same thing happen to her and her bank refunded her charges immediately. I have been fighting with Bank of America for months over this.
Product: Debt collection

The Law Offices of XXXX XXXX XXXX continues to send letters to try and collect on a debt that is over the Statute of Limitations. I have responded many times notifying them that the debt is over the Statue of Limitations and was Written Off by the original creditor and have denied the debt many times. They have violated the FDCPA three times now. Attached are copies of their letters and my responses. 

They have also failed to cease communication upon written request by be me. They have communicated with me after validation ( Within the 30 Day Validation Period ) has been made, in which they are in violation. They have threatened arrest and legal action that is either not permitted by law or not actually contemplated. 

Under the FDCPA, the Law Offices of XXXX XXXX XXXX, XXXX is in VIOLATION OF THE FDCPA. XXXX XXXX XXXX, has numerous violations in collecting on many consumer 's in the State of Hawaii using misrepresentation and deceit for his monetary gain. 

Accordingly, XXXX XXXX XXXX, Attorney, is acting as a debt collector buying up defaulted loans that are too old and are over the statute of limitations to sue and also have been written off by the original creditor for pennies on the dollar using misrepresentation and deceit on unsuspecting consumers who do not understand their right under the FDCPA to try and collect. 

I would like to have XXXX XXXX XXXX XXXX brought up on charges for illegally obtaining monetary funds from many unsuspecting consumers in the State of Hawaii, using misrepresentation, threats of arrest and jail time and illegally getting judgements against consumers who do not know their rights on old debts to be sued upon.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have some charge offs and collection accounts listed on my credit profile that are ruining my credit and I've reached out on multiple occasions to the creditors and they weren't able to verify accuracy or remove the charge offs or collection accounts. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Money transfer, virtual currency, or money service

I want to know the real reason from the case manager, XXXX XXXX, about what he really found in his internal investigation and why he used his tactics to exonerate me and my wife from XXXX if there was nothing mentioned that was derogatory ... they are so dismissive.. we have to bring into consideration there stewardship and job acumen ... because I want to know the real reason
Product: Credit card

I opened a XXXX credit card with American Express in 2016. After about three months of use, the number was stolen and used for a fraudulent transaction. I called in and asked for a new card number to be issued. AMEX chose to close that account completely and issue a new card with a hard pull on my credit. XXXX XXXX accounts now reflect on my credit report ( XXXX notated as closed by consumer after only three months and at the consumer 's request ). This is not correct. The XXXX AMEX XXXX accounts on the credit reports should be merged so that age of credit history is not dinged by the average of XXXX new accounts. I only authorised the opening and hard pull of the original account and never closure of the original account or opening of a XXXX. Please correct this.