23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

VERY URGENT! I set up a checking account with Bank One in XXXX XXXX. With this kind of account I had been told that if I keep a minimum balance of XXXX USD it will be free of charge - meaning my monthly service fee will be waived ( see explanation on statement ) .Received statements from Bank One until XXXX XXXX to my address in XXXX and a letter in XXXX to sign and return to keep it active what I did immediately. Received letter in XXXX signed and returned asap. Received letter in XXXX included a new VISA check card from Chase XXXX which I ca n't use in XXXX XXXX. This is how I got informed that Bank One now became Chase Bank. I received NO other information! Received letter in XXXX signed and returned asap. The balance on this document had been the same balance since XXXX! Got a letter in XXXX with a new Chase Visa Check Card. In XXXX XXXX received again a letter to sign and return what I did asap. On this statement my balance showed an amount less than the statement before. Unfortunately I XXXX could not take care of such matters. Now I XXXX will travel XXXX in XXXX XXXX. I called and emailed to Chase Bank in XXXX XXXX to find out why they had started taking monthly fees of my account all of a sudden without informing me of everything. 
XXXX ) I did not get any serious information that Bank One had become Chase Bank. 
XXXX ) Then in XXXX they just changed my account status and started charging me with monthly fee of XXXX $ on my bank account. 
XXXX ) I did not get informed by Chase Bank about any changes until my call in XXXX XXXX! 
XXXX ) I did not sign an agreement for changing my bank account status with Chase Bank. So they made unauthorized transactions. 
XXXX XXXX The amount on my account has dropped of nearly half the amount I did put in the account XXXX ( without me taking any money out from it XXXX. 
This is why I am writing to you. I have included a time schedule report about my activities to Chase Bank. I did not get any response on my complaint but received a letter from Chase Bank end of XXXX XXXX instead, informing me about their " Additional Banking Services and Fees '' which really does not help me at all. Also you will find copies of documents I have received from either Bank One or Chase Bank. 
I will travel XXXX in XXXX XXXX and would be happy if the matter could be solved by then because I do n't know when I will have to opportunity to come back. And probably I have to do anything about my account " personally '' in the bank office XXXX meaning taking money off or deposit money ) because I am living XXXX and this is why I want to have the total amount back I owed when I set up the account by this time and the problem solved. Hopefully you can help me. Thank you very much in advance.
Product: Credit reporting

I recently tried to purchase a car and when my credit report was pulled up. It showed that I was on collection/public record with statefarm. A company that I have never done business with. Ever since I started driving my insurance companies have been allstate and travelers. I suspect that this may be someone else with my same name. I have n't been able to access any of my annual credit reports and I have the same suspicion that someone with my same name. Every time that I tried requesting my reports it would tell me that my information was insufficient to confirm my identity and match my credit. I desperately need a car but I refuse to be given an interest rate based on credit scores that do not accurately represent me.
Product: Credit card or prepaid card

I opened open additional cardholders and finished the purchasing criteria, but did not receive any bonus of them.
Product: Credit reporting or other personal consumer reports

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under XXXX5 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Product: Credit reporting or other personal consumer reports

Hey my name is XXXX XXXX These addresses does not belong to me listed below can you please remove them I havent been able to sleep at night. I writing you to let you know that u being put on notice that this addresses listed below are not mine The following address listed below are a result of identity theft and was not initiated by me I demand that they are deleted immediately My identity has been stolen and Im letting you guys let right now. You have aided this fraud by not verfiying these addresses Congress States 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy These are not my names ( XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX also these are not my addresses ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There may be individuals with a name the same as or similar to mine. Creditors may Have entered My name is incorrect when requesting my credit report. 
Regardless, There are forms of my name and address that should not appear in my credit file. Please promptly remove all other names in addresses these other forms of my name in address are not correct historical data.Therefore, They must be removed please send me update showing address deleted thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I still have not seen results to an investigation into the items I believe to be inaccurate on my report. This is my THIRD complaint I have had to make about the lack of responses, the last complaint made I was told by the bureaus they would begin my investigation and send me results, I SITLL HAVE NOTHING, they are flat out LYING to me about my credit!! My first was made on XX/XX/2020 and was accompanied by a dispute submitted directly to XXXX, Experian and XXXX. While I understand that there is a pandemic which can cause delays, I have not received anything from them since my first dispute on XX/XX/2020. This is not a delay : this is negligence on the part of all 3 bureaus, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by XXXX, Experian or XXXX  to resolve anything. I also know that there was data released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. XXXX, XXXX  and Experian must be held accountable and to the standards clearly outlined in the FCRA.
Product: Payday loan, title loan, personal loan, or advance loan

In response to the CFPB complaint against AFFIRM, I want to bring to the attention of the CFPB that AFFIRM has mentioned extra details that had nothing to do with the point of the initial complaint. The complaint I filed was regarding inaccurate account information that I am SEEING on my credit report. It is being disclosed to me inaccurately. This is misleading to new creditors who inquire on my consumer report. This in turn damages my financial reputation. My complaint is addressing the significant fact that AFFIRM was mailed a notice of dispute on XX/XX/2024, the letter was delivered on XX/XX/2024, and I did not receive a response until XX/XX/2024, in regard to the dispute. The Fair Credit Reporting Act requires creditors to investigate within a XXXX time period. AFFIRM INC. did not do such a thing. It was until 3 days after the XXXX day ( deadline ) was up until I received communication of results from AFFIRM INC by electronic email. To be transparent, as much as I understand consumers are in fact required to be responsible when it comes to dealing with creditors, but a default DOES NOT void federal law. By law under the Fair Credit Reporting Act pursuant to 15 U.S. Code 1681i ( a ) ( 1 ) ( a ) - Procedure in case of disputed accuracy, a dispute can not exceed 30 days and I am quite sure that the initial relationship that was between AFFIRM INC. and I is the cause of the apprehensiveness, but spitefulness is not above the law. Even within the Furnisher Rule Book per Furnisher Rule 660.4 ( e ) ( REGULATION V ) creditors must investigate within 30 days and no later. Otherwise, AFFIRM would in fact be liable for recourse. The investigation starts upon receipt of the letter. Ultimately the account furnished by AFFIRM is still being reported and disclosed to me by XXXX XXXX XXXX inaccurately. It is showing in the payment summary for XXXX, XXXX, and XXXX as " XXXX, XXXX, XXXX ''. This is factually incorrect and inaccurate. It is unfair and inaccurate credit reporting. It is out of compliance by refusal and denial of this fact. This account is disputed. I will also escalate this matter with my state attorney general as a result of AFFIRM 's resistance to comply.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding the disputed accounts on my credit report. Despite numerous attempts to address these inaccuracies and my repeated requests for a thorough investigation, no resolution has been provided. These erroneous accounts are causing significant damage to my credit file and severely impacting my ability to lead a normal life. The negative consequences of these errors have created substantial hardships, leaving me with no option but to urgently seek your assistance in resolving this matter. 

I kindly request a comprehensive investigation into the reporting of each of these disputed accounts. It is crucial that the necessary steps are taken immediately to correct and update my credit report. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, my SS # XXXX-XXXX-XXXX My DOB is XX/XX/XXXX. I have a few issues of addresses on my file that do not belong to me on my credit report. I have never lived at the following addresses : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, OH XXXX Please remove these cell phone number they are not mine, there are several issues on here I am not understanding who has used my name to open accounts at the addresses mentioned above. I have attached a copy of my ID and SS for proof of my identity ( XXXX ) XXXX-XXXX ( XXXX ) XXXX-XXXX ( XXXX  ) XXXX-XXXX ( XXXX  ) XXXX-XXXX ( 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: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card

I was on the front page of XXXXXXXX XXXX website, clicked on the box to apply for an XXXX XXXX credit card that shows 4x points as well as {$150.00} bonus once you spend {$500.00}. I applied, got approved, received a card. Spent the {$500.00} witin one month ( they require within 3 months but I was well within that time frame ). Called to ask where my points and bonus was and was told I didn't get the XXXX XXXX card like I had signed up for. Was told it's now a platinum card. Looked up their platinum card online and it shows the EXACT same information, 4times the points and {$150.00} sign on bonus. They are the exact same, so why am I not getting what they advdertise? Shouldn't matter what type of account they put me in EVEN though I clicked the XXXX reweards card, they offer the same sign on reward for either account when you open a new account. So somewhere they have me screwed up and no one is trying to fix a thing. I have excellent credit as well. I took pictures of their website showing the offers they are giving people to sign up for the XXXX XXXX rewards card AND the platinum card. So they advertise the information to lure you in, and don't give it to you when you earn it.
Product: Credit card

On XX/XX/XXXX I purchased an electric double oven ( Model no # XXXX Serial no # XXXX ) with 1 year warranty with 2 years free interest promotion from Home depot .

The oven was not function as described ( only the top oven was working with error message in the led screen code XXXX. 
We called Home depot and the manufacturer to fix the issue but they failed to do so 5 times. ( XXXX no # XXXX ) The manufacturer issued a credit to home depot for the faulty unit on XX/XX/XXXX to Home depot and the instruct me to discard the unit and I do not have to return. ( Email attached ) After the two years ended last month I found interest charged to my credit for the amount of {$2600.00} as interest for the principle of {$3900.00} for the unit.

I called home depot and filed a dispute but they denied my right to dispute stating that is old matter.

Please help me to get my right to resolve this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because Equifax delete d SEVERAL a ccounts from my credit profile per my last dispute, and after checking my account today, those accounts that have been flagged as " This item has been deleted from the credit file '' still remain. I am attaching a copy of the investigation results that notate EVERY account that needs to be, and should be deleted IMMEDIATELY!   Per FC RA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ],   Requirements relating to reinstatement of previously deleted material.   Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to sub-paragraph ( A ), the information  may not   reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate.   If any information that has been deleted from a consumer 's file pursuant to sub-paragraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than  5 b usiness days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under claus e ( ii ), a co nsumer reporting agency shall provide to a consumer in writing no later   than 5 business days after the reinsertion date.
( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information.
I did not receive this required notification. In essence, this is a serious violation of the FCRA. I may choose to exercise my right to pursue further action. I INSIST that you immediately delete this listing from my credit report if you would like to avoid me moving forward with my said rights.
Product: Credit reporting or other personal consumer reports

I have tried multiple times to dispute this one item with both the creditor and all 3 Credit agencies to have this account removed from my credit report due to several violations according to the consumer laws and my rights as a citizen and nothing has been resolved. This is against the consumer law and it's causing me severe grief and XXXX  as I'm unable to purchase a home for my family and giving me defamation. 

The Creditor ( XXXX XXXX  ) has also violated my consumer law by not giving me the option to opt out from having my information reported to a 3rd party which by " 3rd party '' includes all 3 credit agencies ( XXXX, Experian and XXXX ) and here is the law as it is written. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; XXXX XXXX XXXX - Account # XXXX
Product: Checking or savings account

On XX/XX/2022, I spoke to my bank Wells Fargo and the agent I spoke to is XXXX regarding constantly overdrawing my account, during our conversation, the agent said the reasons for my account being constantly overdrawn is because of re-occurring payment and I told her to disable all re-occurring payments of which she said she did and instead of giving the full overdraft credit, I was given a partial credit. I also turn off my debit card and only turn it on when I need to make a transaction to be able to keep track of all transaction going in and out of the account prevent my account from being overdrawn. However, on XX/XX/2022, the bank decided to authorize another transaction on the account in spite of me telling them not to, this time they said it was an ACH debit, and in the past, most ACH debit that has occurred on my account come out as a check and when I ask the last Agent I spoke with about the check number, I was told that because it was an ACH that there is no check number, but every other ACH debit I have on the account has had a check number but this particular transaction {$24.00} has none, and I was charged {$35.00} for overdraft even when I have repeated told them not to authorize any transaction from my account when there is no money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I don't recognize this inquiries. I never applied for it. I have heard of companys pulling your credit without permission and I know that it is not allowed. I have requested proof from these companies that the pulling of my credit was somehow in fact authorized by me, I still have yet to receive any responses
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX and list of Inquiries 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: Debt collection

We have set up an automatic payment plan to pay this debt and yet we get XXXX calls every day and when answered there is no one on the line and the call is dropped.
Product: Credit reporting, credit repair services, or other personal consumer reports

About 9 months ago I put a fraud alert thru another company to alert that my identity was compromised. I resolved the issue and the fraud accounts were removed from my credit report. 

I have been having issues getting this company to remove the fraud alert. I wrote them several letters and they actually send me letters saying that they are placing another fraud alert on my credit report. 

This is giving me a problem because I can't obtain credit, and I have had credit rejections due to these fraud alerts.
Product: Mortgage

I trust this letter finds you well. I am writing to formally dispute the presence of late payments reporting by your organization on my credit report. I believe these late payments to be INACCURATE and UNJUST, and I kindly request their removal in accordance with applicable laws and regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not quite sure if these companies are following proper reporting protocol ; if so I apologize for this complaint. However, two companies are reporting the same debt for XXXX accounts on my report. XXXX Bank was the original creditor for both accounts ( XXXX XXXX XXXX and XXXX XXXX ) and they were both sold to a collection agency called Portfolio Recovery Associates. Both companies are now reporting the debts. I feel that this is lowering my score even more. I understand that it is a collection and I have no problem with that. I just want to know why both are reporting and not just the collection agency as I have had happen in the past. I feel like this is making it look like my debt to income ratio is worse than it actually is. Thank you for your help with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

No resolution after several contacts and submitted documentation