23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX has violated the FCRA by RE-AGING accounts AND reporting misinformation to credit bureaus which affected my credit scores, my financial life and my family 's life for over 2 years now. 

Below are the inaccuracies which I have complained to credit bureaus about as well as XXXX and no one is taking this matter seriously. I have requested multiple times for them to prove this debt belongs to me and to correct my report and all I get is avoidance. 

Please see my credit reports as well as the items I have addressed with them below. 

XXXX XXXX XXXXYou are reporting that this account is a Charge Off and that there is a Balance and Past due amount of {$17000.00}? It can not be both. You are reporting date last active as XX/XX/XXXX and date of last payment was XXXX of XXXX. No payments have been made to this collection account ever. XXXX is showing date last active is XX/XX/XXXX and date of last payment was XX/XX/XXXX. It can not be both. This account is being RE-AGED also and is illegal. 


XXXX XXXX AGAIN, with this account you are reporting that this account is a Charge Off and a Past due amount of {$15000.00}? It can not be both! You are reporting date last active as XX/XX/XXXX and date of last payment was XXXX of XXXX. No payments have been made to this collection account ever. XXXX  is showing date last active is XX/XX/XXXX and date of last payment iss XX/XX/XXXX. It can not be both. This account is being RE-AGED also and is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$1100.00} U S DEPT OF EDXXXX XXXX Balance Owed : {$17000.00} U S DEPT OF EDXXXX XXXX Balance Owed : {$44000.00} XXXX XXXXXXXX Balance Owed : {$24000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt or credit management

Are used Lexington law firm and paid the monthly for credit repair services they did nothing for my credit no credit related issues were fixed and nothing was removed I called them several times asking for updates to little no help I wasted hundreds of dollars thinking this was the best action to take after terminating my services with Lexington law they still charge me unexpectedly and unlawfully for months I called and emailed them several times to delete my account information so that I would not be charged every month and continue to get charge I would like a full refund from the start of my service that I never received
Product: Checking or savings account

I was trying to invest in XXXX account through XXXX, but every time I tried to do so its failed. I would like to know why.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to experian many times to update and remove the following incorrect addresses from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX georgia XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, & XXXX XXXX XXXX, XXXX XXXX ga XXXX. 

please add my current and only address to my credit report XXXX XXXX XXXX XXXX XXXX GA XXXX, please remove the incorrect name : XXXX XXXX from my credit report please remove fraud alert from my credit profile
Product: Credit card

I recently applied for and was approved for the American Express XXXX card. Shortly after my XXXX purchase, my card was declined to a fraud alert. American Express refused to resolve the issue over the phone and required me to obtain a notarized document from a bank and fax this to them. They deemed that it was not acceptable to have the document notarized by a non-bank entity, and it was also not acceptable to submit the documentation via another form of communication ( postal mail, e-mail, etc ). They refused to refund me for the expenses I incurred to comply with their request. They also refused to refund a portion of the annual fee as I requested due to the fact that I was unable to fully use the card for a significant amount of time ( over one month ). It was not disclosed in the marketing materials that I reviewed when applying for the card that I would need to incur these expenses to keep the card active.
Product: Credit reporting or other personal consumer reports

I lodged a complaint against these Bureaus a XXXX ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than XXXX days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Product: Credit card

I opened a credit card in XXXX 2009 with Chase Bank in order to make a mortgage payment on my Chase Mortgage. I conducted the transaction at a Chase branch in XXXX, OK. Apparently, Chase classified that as a " cash withdrawal '' at the branch. Because of this categorization, since XXXX 2009 until present they have been charging me an interest charge on this transaction that has cost me approximately {$1200.00} in interest charges alone. I have never made a cash transaction with the credit card and Chase making such a distinction for their own benefit is outrageous!!!! 
Then they tell me the interest charges will continue until I pay the balance in full. I have the card closed and in a debt reduction program through Chase. It has been closed for over two years now, almost 3 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/2022 XXXX XXXX XXXX Balance Owed : {$3900.00}
Product: Mortgage

Mortgage servicer NewRez mortgage LLC. allowed my homeowners insurance to lapse for non payment i have contacted them by phone to notify them to no avail my date of coverage voidance was XX/XX/2020 according to the notice i received today. they want me to do all of the leg work to rectify their mistake. my mortgage and escrow accounts are current and have sufficient funds to cover debt.
Product: Credit card or prepaid card

I was informed by American Express via telephone and their website prior to committing to the XXXX XXXX and XXXX XXXX that the annual fee would be waived for XXXX XXXX military personnel. I am a cadet at a service academy, and according to title 44 of US code I am an XXXX XXXX XXXX. American Express amended their policy to exclude cadets so they will not reimburse me the {$550.00} for the XXXX XXXX and {$250.00}. Once this was realized it was outside of the 30 day window to cancel the card, so simply cancelling them could negatively affect my credit score and would not reimburse me.
Product: Credit reporting or other personal consumer reports

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/2023 ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Pursuant to 15 USC 1681 ( a ) ( 1 ) The Banking System is dependent upon my consumer report being FAIR and ACCURATE. After reviewing my Consumer Report I realized there was INACCURATE INFORMATION being reported on this account which in turn means this particular report is unfair to me. I was never notified when this INACCURATE information was FURNISHED nor was I notified during your companies initial investigation that you were going to report this information. 

Pursuant to 15 USC 1681 ( a ) ( 1 ) This GRAVE error has undermined my confidence in your companys procedures and as a result of this I will no longer be extending credit. IF THIS INFORMATION IS NOT REMOVED I no longer want my information reported in your companys database system.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently got a copy of my credit report & im seeing inquires on my report that I didnt authorize. I called the police department & they told me I may have been a victim of identity theft.
Product: Checking or savings account

Albert is an online line banking/investment account with an app that would allow you to make automatic savings deposits. I started in XX/XX/XXXX with {$50.00} and over the next few months I had additional small amounts deposited and by XX/XX/XXXX my balance reached {$110.00}. 

When they first started they were free. They then began charging a monthly fee for advice which I believe I would automatically be charged unless I opted out. I opted out of paid advice because I did not want to pay the fee so asked them to close account. I withdrew what I thought was my my full balance of {$100.00}, but apparently {$10.00} remained. I thought the account was closed. 

After a while I realized there was still {$10.00} in the account and it was not closed. I again tried to close the account but was told I needed to bring my account to zero first. I could not do so as they no longer accepted the accounts I had linked and said I needed to send in bank statements which i do not have. I was not charged anything and the {$10.00} just sat forgotten. 

I recently checked and see they have been charging the linked account {$14.00} each month since XX/XX/XXXX for a total of {$59.00}. They have also charged me a {$2.00} fee against my account balance on XX/XX/XXXX {$2.00}. I did not realize the fee was charged as I had deleted the app and had no way of getting printed statements. 

I tried to login into the account but was not allowed to do so without connecting a bank account. I had to reconnect a bank account which i did not want to do just to see my account. II tried again to close the account but could not as they said the bank accounts were not valid even though they showed in the Albert App. I cant disconnect the account so am worried they will continue to charge me and I never consented to pay the fees so want them returned.
Product: Mortgage

I spoke to the latest Bank Representative today and she read me the same lies as stated in previous responses from the bank. She also claimed that she witnessed me requesting a {$20000.00} loan from the original bank agent the which is an absolute lie because I continuously requested only XXXX The original agent stated that i could get more more money since my house is almost paid for. I explained that i am XXXX, on a fixed income and the most that i can afford to pay back is {$10000.00}. He said let me put you down for {$100000.00}. I immediately refused and again stated my income, XXXX and inability to pay back more than $ 10,000..He began to bagger me and went down to {$75000.00}. I again refused and warned that I am mentally disable and his tactics are greatly disturbing me. He continued his harassing tactics from. {$75000.00} down to {$59000.00} and then {$25000.00}. I warned again of my XXXX and said if you stop badgering me I will go to {$20000.00}. this was only because of his mentally hurtful tactics and he stated that I probably wouldn't got the {$10000.00} loan because borrowing that small amount would not be beneficial to the bank. I told the bank representative today to resend the lie that she sent to your agency and write the truth.. I requested only {$10000.00} and was refused the loan because I didn't fall for their predatory lending tactics! She should be sending .a revised truthful statement to your agency as I insisted.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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. Code 1681a - Definition ; rules of construction - Exclusion. - Except as provided in paragraph the term consumer report does not include - any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

These are unauthorized inquiries ( 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 ), which I have not approved or given written permission to furnish in my credit report.
Product: Credit card

In early XX/XX/2024, I stayed at the XXXX XXXX XXXX XXXX, and I encountered severe issues with the hotels accommodations. Specifically, the air conditioning in my room was not functioning, leaving the room uncomfortably hot, As you can see, the XXXX control panel shows XXXX, but this was the maximum it was showing there. It was actually hotter than that. I was forced to open the windows, which let in a strong sewage smell, as well as unbearable noise from the streets and passing airplanes. The hotel staff informed me that no alternative accommodations were available, and it was too late for me to find another hotel given that it was after midnight and I had small children with me. As a result, I was forced to stay under these unacceptable conditions. 

I initially requested a full refund from the hotel but was only offered a 25 % refund, which I declined as it did not adequately compensate for the issues I experienced. I then disputed the charge with American Express, providing them with all necessary evidence, including videos of the conditions and documentation of my interactions with the hotel. 

Despite my detailed submission, American Express granted the credit to the hotel without properly addressing my claim or the evidence I provided. The total charge for the stay was approximately {$300.00}, and I believe this amount should be fully refunded given the failure to provide the service that was promised. I have contacted American Express multiple times, but they continue to uphold the charge in favor of the hotel. 

I am now seeking the CFPBs assistance in resolving this dispute and obtaining the refund I am entitled to.
Product: Credit reporting or other personal consumer reports

I am writing to address a matter of utmost urgency regarding my account with Credit Bureaus, which has been erroneously flagged for late closure, included in bankruptcy proceedings, and listed as a public record. These inaccuracies have had severe repercussions on my financial standing and must be rectified immediately. 

Despite diligent adherence to the terms and conditions outlined in my account agreement, I was dismayed to discover that my account was flagged for late closure. This erroneous designation has tarnished my credit history and impeded my ability to secure favorable financial opportunities. 

Furthermore, the inclusion of my account in bankruptcy proceedings is entirely unwarranted and devoid of factual basis. I have diligently managed my financial obligations and have not filed for bankruptcy. This false representation has subjected me to unwarranted scrutiny and jeopardized my financial stability. 

Additionally, the listing of my account as a public record is deeply concerning and constitutes a violation of my privacy rights. Such unauthorized disclosure of sensitive financial information has exposed me to potential identity theft and financial exploitation. 

I demand immediate action to rectify these egregious errors, including : Removal of the late closure flag from my account records. 
Exclusion of my account from any bankruptcy proceedings. 
Removal of my account from any public records databases. 
Issuance of formal apologies for the distress and inconvenience caused by these inaccuracies. 
Implementation of measures to prevent similar errors from occurring in the future. 
Failure to address these concerns promptly will leave me with no choice but to pursue legal recourse to protect my rights and seek appropriate restitution. I am asking for your assisstance to remove these items in my credit file : XXXX. XXXX  XXXX XXXX Balance : {$1200.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

XXXX. CAPITAL XXXX XXXX Balance : {$2300.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information XXXX be inaccurate. I need this account removed NOW. 

XXXX. XXXX XXXX XXXX XXXX : {$0.00} - This is showing to be XXXX past due as the current status but it also says its been transferred. Youre showing a payment due amount but how can I owe something to a company that no longer owns the account? You need to change the description to say and change the Current Status to say : Paid as Agreed. Please remove all the negative information as well as it is a violation of automatic stay and bankruptcy court orders. 

XXXX. XXXX  XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} - This bankruptcy file date is wrong and this bankruptcy is out of statute for reporting on a credit report. It should no longer be reported because it is past the XXXX statute of limitations that a credit bureau XXXX report. Please update the filing date and then remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I are in the process of buying a house and went under contract, a month later our credit report was re-pulled to be sure nothing came up that would need to be resolved. We were not under the impression anything would. We found that we were marked late with our car loan through JP Morgan Chase for a month which we were not late. For two months prior we were late due to me being in and out of the hospital, my husband missing work, and unbeknownst to me, you are able to change date of payment with no penalty as long as it falls in the month. I was unaware of this and therefore those months were late. I paid those months ( XXXX and XXXX ) to date in the first week of XXXX on XXXX XXXX, 2017, amount {$490.00}, once this was paid to date, I then paid for the month of XXXX on XXXX XXXX, 2017, amount {$240.00}. My payment date is the XXXX of every month so I was sure to pay within the 30 day window. Paying on the XXXX was within that 30 day window. I called and spoke to SEVERAL different people all who told me they could not help me unless they were in the wrong. An investigation was opened with customer support that I called about daily. I was sent to the highest supervisor I could go to who was apologetic for the situation, but told me he could n't give me a letter stating they would remove this from my report, the best he could do was refund all late fees. He told me I had to go through the credit bureaus which I do n't have time to wait on considering the situation. He sent me to the executive office. They opened an investigation after speaking to two different people in this department, one of whom argued with me until she admitted they were at fault and noted my account. After proving my point that for the month of XXXX I was not late and stating several different times to several different people how time sensitive this is and I need a letter stating this will be removed from my credit to move forward with buying the house, I was unsuccessful in dealing with Chase and told I had to dispute this with the credit bureaus because they are n't authorized to send such letters and they could n't guarantee it would be removed through a dispute. I am at risk to lose my deposit, the house, and I ha e two little ones, another on the way, and this has tossed our world upside down. Chase has acted unreasonably in this situation. With me not being at fault for the month of XXXX, this should be removed from my credit.
Product: Checking or savings account

On XX/XX/XXXX my phone was stolen Im a XXXX XXXX. XX/XX/XXXX My roommate provided me with old phone I went to phone store to get old phone activated so I could call my mom to call insurance on phone. My mom started claim and was able to get me a replacement phone. I called my bank advised of phone being stolen as will as fraudulent charge of XXXX through XXXX XXXX which this was also disputed. I call 2 weeks later to bofa after reporting fraud on my account and was advised claim was put in for all charges I corrected the representative advising only of the XXXX XXXX XXXX. She advised she would update and escalate. 2 more weeks went by I called to see if they needed anything. I provided the replacement phone information, XXXX XXXX dispute and the confirmation of the phone being reported as stolen. I was advised the fraud claim was denied due to not reporting fraud timely when fraud took place XX/XX/XXXX same day I called and reported it to bofa after checking my account balances. I esc to bofa supervisor XXXX who re opened claim for the 4 time and had me resend documents again. I reported and provided all documents its seems Im getting the run around