23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

XX/XX/2022 : Open Charles Schwab brokerage and checking account ; XX/XX/2022 : Deposit brokerage account {$10.00} ; XX/XX/2022 : Deposit checking account about {$5000.00} ; XXXX : Accounts are locked ; XXXX : Some calls to unlock the accounts and it said it was under review ; XX/XX/2022 : Call to unlock the accounts and still under review ; XX/XX/2022 : Call to unlock the accounts and still under review ; XX/XX/2022 : Call to unlock the accounts and still under review ; XX/XX/2022 : Call to close the accounts and it said the closure request is under review ; XX/XX/2022 : Call to close the accounts and still under review ; XX/XX/2022 : Call to close the accounts and still under review ; XX/XX/2022 : Call to close the accounts and still under review ; XX/XX/2022 : Call to close the accounts and still under review ; XX/XX/2022 : Call to close the accounts and still under review ; Basically, Charles Schwab locks the account for about half an hour for review. When I tried to close the accounts, Charles Schwab held the transfer of the remaining balance for about two months. I still don't get the remaining cash.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not applied for credit with this company
Product: Credit card

I am filing this complaint because American Express is failing to honor their " XXXX Liability '' policy for fraud. While I was traveling in XXXX, my card was stolen and used for unauthorized in-person transactions. I immediately reported the theft to American Express as soon as I noticed the fraudulent charges.

According to their fraud protection webpage ( American Express Fraud Protection ), they state : " If you see a charge you dont recognize or didnt make, well remove it from your account immediately after verifying it was unauthorized. '' Despite promptly reporting the theft, American Express conducted an investigation and concluded that I was responsible for the charges simply because they were made in person. This decision directly contradicts their advertised " XXXX Liability '' policy, which does not specify exclusions for in-person transactions. Their representatives have repeatedly informed me of the same decision without addressing the contradiction between their policy and their actions.

The charges in question are substantial and have caused me significant financial stress. I trusted American Express to protect me against fraud, as promised in their marketing materials, but they have failed to do so.
Product: Debt collection

I worked for XXXX XXXX XXXX in XXXX  over XXXX  years ago. I left the company around XXXX of XXXX. Since then I have not heard anything from the company until XX/XX/XXXX, over 7 years since I last worked there. They claim that I owe them half of a sign on bonus and it has affected my credit significantly. Under the statute of limitations in the state of XXXX, this debt which I do not owe because I worked for them and never used any of their services, it is illegal to try and collect a debt once it has passed XXXX years. I have tried to contact the company multiple times and have been in disputes with the collection agencies because this is a wrongful debt and illegal. I have also hired an attorney to assist, but they have not been able to get anywhere because neither the collections agency nor XXXX will respond.
Product: Credit reporting or other personal consumer reports

XXXX XXXX requested to have all old addresses removed from my account, accounts was never removed XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX My current address is XXXX XXXX  XXXX XXXX XXXX XXXX TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ; XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states I have rights 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.

They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they received my disputes.

They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$590.00} XXXXXXXX XXXX XXXX Balance : {$25000.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX and XXXX has been run inappropriately, mis-used, Illegally " shopped '' Auto Financing for what was approved for each  company involved. XX/XX/XXXX/2017 - XXXX XXXX XXXXXXXX XXXX TN - With this company I came to dealership to have them submit potential loan to XXXX XXXX  ONLY but they refused to do so due to % of loan to value because of negative equity. I advised this was to Only be submitted to XXXX XXXX but I received inquiries for all bureaus for XXXX, XXXX XXXX, XXXX XXXX, XXXX inquiry date ALL onXX/XX/XXXX/17 -XXXX from company said he did not run it through to anyone yet showed the credit pull through ALL Bureau 's Transunion , XXXX and XXXX has been run inappropriately, mis-used, Abused, Excessively Illegally " shopped '' Auto Financing for what was approved for each company involved. XXXX XXXX XXXX TN - They did not only over run my credit for One date but also re-ran it again without my consent, signature or verbal approval. When asking about my paperwork they would be submitting they refused to give me this information. I advised them to only run to XXXX XXXX, XXXX XXXX, or XXXX XXXX when I came in as I am trying to buy a house, OnXX/XX/XXXX XXXX, XX/XX/XXXX they ran with XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX - XXXX from company refused any paperwork for any potential deal they may of submitted, refused me copies of anything signed.Refused to show me any " numbers ''
Product: Credit card or prepaid card

Case Number : XXXX Account Number XXXX XXXX XXXX billed on XX/XX/2020 for {$1700.00}. 

I bought 2 airline tickets on priceline using my capital one visa card. The airline cancelled the flight and I did not receive the tickets I paid for. XXXX refused to issue a refund. I spoke with XXXX on XX/XX/2020 and most recently on XX/XX/2020. The airline said that I would need to speak with XXXX about refunds ( since I paid them for the tickets ). With no other options available, I disputed the charge and provided evidence that I did not receive the goods and services I paid for. This included a letter from the airline stating they cancelled the flight. I also included US laws from dept of transpotation indicating refunds are required I. This isntance. XXXX falsly claimed in what appeared to be a routine prewritten response that the cutomer cancelled the flight. This was false and I provided evidence to the contrary. Capital One clearly did not review my evidence and simply denied my dispute stating that the. " merchant did not violate operating guidelines. They did not investigate or even address the fact that I did not receive the goods and services I paid for which was the basis for my dispute.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding an inaccurate items on my credit report that continues to NEGATIVELY impact my credit score. Despite my efforts to resolve this directly with the reporting agency, it remains unsolved. I request immediate investigation and removal of these inquiries as it is incorrect and does not reflect my true credit history. I did not verify nor authorize these inquiries and Im a victim of identity theft. I have filed this with the identitytheft.gov and I will attach the documents. 

Below are the unverified and unauthorized inquiries and must be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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: Checking or savings account

My original account was compromised and to safeguard our funds, we closed and opened a new checking/savings account with PNC Bank . The original acct was checking/savings and they forced upon me a virtual wallet making it virtually impossible to manage my money. I would need two sets of ledgers to balance, when I make deposits and instruct where it should go, it gets deposited to the wrong acct. For example I set up a payroll direct deposit to checking, it ended up in savings. I am constantly having to move things to the correct account to pay bills. They are like sorry, can't go back to just chk/svgs. I would close my account except my mortgage and a personal loan are with them so I feel forced to stay. It is harder to manage things as I get older ( age XXXX ). Also even at the ATM it does not let you select checking or savings, it has you select an account number which who remembers that anyway? Now I have 5 accounts with the same lender, checking, savings, a loan, a mortgage and now a virtual wallet. It is not right to force this upon consumers. I had to transfer my paycheck on XX/XX/XXXX from svgs to chkg and when I went to bill pay the drop down for checking showed a XXXX balance on XX/XX/XXXX.
Product: Debt collection

To Whom It May Concern : I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account : Account Name & Account Number : Please provide me with the following : ( 1 ). Full accounting for this account : ( 2 ). Copy of the assignment of purchase from the creditor ( XXXX ). Every charge and what was purchased, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( 5 ). ( XXXX  v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( 6 ). Full chain of assignments from charge off to present ( 7 ). Proof that you own the debt with full clear title ( 8 ). Proof that you were on the original contract ( XXXX XXXX XXXX XXXX. XXXX ) & ( XXXX XXXX  XXXX XXXX XXXX ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney who specializes in suing debt collectors will be on standby waiting for my instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   on  XXXX   XXXX   XXXX  &  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   (   XXXX   XXXX    XXXX   XXXX   )  XXXX   XXXX  &  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  &  XXXX   XXXX   XXXX  I HAD SENT IN DISPUTE STATING I DID NOT AUTHORIZED IT AS WELL WITH A POLICE REPORT AND WAS TOLD NOTHING COULD BE DONE ABOUT IT EVEN THOUGH IT WAS FRAUD AND IT WAS NOT AUTHORIZED THERE WAS ALSO AN ISSUE WITH  XXXX   XXXX  I WAS VICTIM OF THEIR INQUIRY ISSUE THEY HAD SOMETIME DURING  XXXX  WHICH SOME OF THE DATES ARE INCLUDED ON THE TOP. ALSO  XXXX   XXXX   XXXX   XXXX  &  XXXX  ON  XXXX   XXXX   XXXX  AS WELL AS  XXXX   XXXX   XXXX  MY POLICE REPORT NUMBER IS  XXXX  FOR  XXXX   XXXX   XXXX
Product: Debt collection

I sent a response letter to Enhanced Recovery Company, LLC XXXX XXXX XXXX, XXXX, FL XXXX on XXXX XXXX, 2015 to verify and confirm a debt they claim was mine, and I never received a response. Yet within 30 days of the letter sent to the this Collection Company, they immediately reported a deliquent notice of {$450.00} to all three bureaus. 

This Credit Company violated all my rights. According to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692e - False or misleading representations. 

I contacted the original Debtor to further verify and confirm the nature and validity of the debt, and " is '' this debt associated to me or an act of false identity. They confirmed to me via telephone conversation that there was no debt of this nature found in there system or outstanding! 

As a result of Enhanced Recovery Company, LLC reporting an erroneous and false claim, I am personally being injuried via the this credit report. My credit scores has fallen from XXXX down to XXXX which affects my work and economic status. 

I would like to seek financial relief in addition to having my credit reinstated by all three bureaus immediately!.
Product: Credit reporting or other personal consumer reports

After examining my credit report, I'm troubled to find a late payment notation despite having no history
Product: Debt collection

Aldous & AssociatesXXXX XXXX XXXX XXXX, XXXX XXXX Utah XXXX XXXX, United States XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NY XXXX XX/XX/2024 NOTICE TO CEASE AND DESIST I am hereby notifying you ALDOUS AND ASSOCIATES that I refuse to pay this alleged debt in full accordance with 15 usc 1692c ( c ). I demand that you cease and desist all collections attempts and reportings on this alleged debt. I never signed a contract with ALDOUS AND ASSOCIATES and you have used my personal information without my consent. You have violated my consumer rights pursuant to 15 usc 1681b. You have caused my phone to ring at inconvenience times, while Im even at work in with connection of this alleged debt without my permission. This type of harassment is strictly prohibited by law pursuant to 15 usc 1692d ( 5 ). I am invoking my specified remedy as a consumer and account administrator with the demands listed below : 1. Stop negatively reporting and remove this alleged debt from all reporting agencies. 2. Stop infringing on my intellectual property rights immediately. 3. Provide an original contract with wet endorsement as well as a full audit trail of alleged debt. Failure to comply with consumer demands will result in litigation. I do not consent to E-Oscar or any other means of automated verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX the school already deleted information on my credit report last year and now it came up again
Product: Credit reporting or other personal consumer reports

I was advised by a XXXX and Equifax rep to fill out this report because of unauthorized inquiries in my report, please remove all these Fraudulent Unauthorized inquiries on my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My Equifax score shows up as N/A or not available. None or my credit cards are reporting to this credit bureau and I don't understand why. I contact Equifax directly they were no help at all. I would like for this matter to be resolved immediately!
Product: Checking or savings account

Hi my name is XXXX XXXX I have an account with TD joint with XXXX XXXX. We applied for a loan and TD bank wants to return it the XXXX when this was a personal loan of XXXX dollars. They have my account frozen now for a month. They told me that the lender that gave us the money is asking for the money bank I asked them if I may have a copy of the email and they said no. I called the XXXX that gave us the money and they no they are not asking for the money that why will the bank say that to us. We need help before we loss the money and still have to pay it back.
Product: Credit card or prepaid card

I added an authorized user during 2017 XXXX by promotional offer for XXXX XXXX points Then I finish spending requirement but american express closed my account and did not give me XXXX points.
Product: Consumer Loan

This company is not being honest with me and is not posting my payments and them they charge me late fees. On XXXX XXXX, 2017 I made a payment of {$250.00} and XXXX XXXX XXXX, I was planning to make a payment of {$250.00} again. I went to see my acc and they are charging me dishonest late payments and they are not posting my payments on time. I have evidence that XXXX does send my payments on time I when I get pay. My payments are devided in half due to the fact that I get pay twice a month. Now they are charging me late fees when my payments are due every XXXX of the month.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> - Went to XXXX XXXX XXXX, in XXXX XXXX, Oregon, where I completed a loan application for a loan / prequalify for a mortgage. My loan XXXX was XXXX XXXX, she can be reached at ( XXXX ) XXXX. 

At or about XXXX XXXX, XXXX XXXX attempted to access my Equifax XXXX, when she attempted this, Equifax displayed information indicating there was a freeze on my Equifax Report. She then asked me to call Equifax, so that we could proceed with the approval process. 

At or about XXXX, I spoke with an Equifax Credit Representative XXXX who told me there was a freeze on my credit report. I explained that I had not put a freeze on my report, the representative was not sure how it got there, but said he would remove it immediately. They asked me to have the banker to try again in a few minutes. The banker tried again at XXXX and then again on XX/XX/year>. Still my Equifax Credit Report could not be accessed by the XXXX XXXX. 

At XXXX, I once again contacted Equifax Credit and the representative told me that the credit report was frozen and that I needed to mail a copy of my driver 's license and social security card to them prior to allowing 3rd party access to my Equifax Credit Report . The Equifax representative also explained that it normally takes XXXX days after receipt of requested copies to unfreeze my report. 

This action by Equifax appears to be retaliatory for my previous complaint with CFPB # XXXX, dated XX/XX/year>. The impact of this retaliatory act will mean any loan applications and/or approvals will be on hold for XXXX weeks. This has a serious impact on my financial outlook and will possibly cost me a potential home purchase.
Product: Credit reporting or other personal consumer reports

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered because of your violation for {$1000.00} pursuant to FCRA XXXX ( a ) ( i ) ( b ) [ 15 U.S.C 1681n ]. Should you fail or refuse to settle the demand, I will seek actual damages which are greater than {$1000.00}. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports. I will consult with my legal counsel for suit. This includes listings of information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within XXXX calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. 


XXXX XXXX PARAPHRASE : I HAVE NOT SUPPLIED PROOF UNDER THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I XXXX PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT EXIST
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

XXXX XXXX How is XXXX XXXX reporting the account type as Open, while XXXX and Equifax is reporting the account type as collection? Which one is it? Is it open, a collection account or is it charged off? 
Why are there so many missing fields of information? Did XXXX not supply that information to you? 
XXXX XXXX and Equifax are reporting the date last active as XX/XX/2022 and XXXX is reporting it as XX/XX/2022. Which date is it? 

Attached you'll find a screenshot of the trade-line displaying the inaccurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio has been disputed and refuses to validate. They send their own typed up letters and computer printouts of statements over 4 years old. There is absolutely nothing on my credit reports that show any charge offs that Portfolio is claiming to collect for. They are now refusing to validate any thing else which now they are violating my rights.
Product: Credit reporting

Please, can someone here help me communicate properly with Equifax. I keep trying to explain to them that XXXX XXXX and XXXX are extremely outdated and over and over again they claim that they are unable to process any more disputes regarding the XXXX accounts, which need to be deleted from my file, on the grounds that they have " investigated '' them already. XXXX help me, I can not see what they investigated, how they investigated and who investigated it and how. If XXXX had indeed investigated these XXXX trade lines they would plainly see that the accounts are well passed statue of limitation and the 8 years mark. But they refuse to take action. Why? This is talking too long, and I gave nothing to show for my struggle nor do I believe the people at Equifax. This is bogus ...