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

I called into 53 bank to file a dispute. I spoke with a XXXX  rude lady named XXXX who wanted to be argumentative the entire conversation with her XXXX XXXXXXXX speaking self. I asked to speak to a supervisor and she just held the phone for 5 minutes or more before putting me on hold. As of now I still have not been allowed to file my dispute nor speak with a supervisor regarding her conduct.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

XXXX. The following personal information is incorrect Account Number : Former : XXXX, XXXX XXXX. The following personal information is incorrect Account Number : Former : XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Account Number : Former : XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. Monthly Payments made on time/ Was Never Late XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.
Product: Credit reporting or other personal consumer reports

Under the FCRA I have the right to a accurate a correct credit report I have no knowledge of any of the opened accounts listed below nor did I authorize anyone to open any of the accounts in my name mail and info of mine has been stolen and used by others for monetary gain I have notified and filed police report and FTC IDENTITY THEFT REPORT also obtained a Lawyer PLEASE REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT ASAP : 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

XXXX, XXXX XXXX, XXXXXXXX XXXX In accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my credit report. The credit bureaus stated the accounts listed at the top of this complaint were properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is ground for removal they also violated my rights under 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.

According to the law 15 U.S. Code 1681I- Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Debt collection

I do not owe this company nor have any dealings with it my information, including phone and address information has been compromised and this account is a result of identity theft that needs to be removed asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. On the credit report from XXXX, there is a " collection '' record from EASTERN ACCOUNT SYSTEM. The balance is {$560.00} first reported on XX/XX/XXXX. On " Payment History '' it shows " Failed to Pay '' on XX/XX/XXXX. 2. A check was made payable to XXXX XXXX XXXX dated XX/XX/XXXX with the amount of {$560.00}. ( this is the exact amount of service requested, rounded up in credit report to {$560.00} ) 3. OnXX/XX/XXXX, the same check was deposited by XXXX XXXX XXXX  in XXXX CT with proof of check image attached.

4. The credit report is incorrectly showing " Failed to Pay '' on XX/XX/XXXX, this collection is reported 3 years after the check was deposited by XXXX XXXX in XX/XX/XXXX 5. An online dispute was submitted to XXXX  to correct this. However, XXXX did not make the proper correction and still shows this collection record and " FAILED TO PAY '' in current credit report 6. A email was sent to EASTERN ACCOUNT SYSTEM requesting correction. No response was ever received.

7. Called XXXX XXXX XXXX  Office and was promised to correct the record but it never happened.

8. A mortgage loan was rejected from XXXX XXXX XXXX  in XX/XX/XXXX due to the false record of collections showed inXX/XX/XXXX
Product: Checking or savings account

I opened a business account on XX/XX/18 with chase I still have not received the debt card I have been calling chase i was told to go to the bank to request a new card once there I was told that the card couldn't be sent to the address on file so I call the call center again spoke with 3 people one opened a ticket to send the card out overnight one said the card was sent and should arrive the next day then the last one said no card was sent and she also was the first person to tell me that the banker should have sent the card out I've been calling the bank ( the physical location the one that refused to send the card out ) back to back for over an hour with no answer at the end of a week long search for a debit card I'm still left with there is nothing I can do your account is too new to do anything over the phone and we can not send a card to your address because it's an apt .
Product: Credit card or prepaid card

I already have an American Express " Everyday '' card. It doesn't have any annual fees. I received an offer to upgrade to the Gold Card. It has a XXXX dollar annual fee. I was concerned about this so I asked if I could change my mind and cancel and they said you can. I asked them to make clear this would 1. upgrade my card and 2. if I downgraded I would get that money back AND have no credit score penalties. I was also told I would be able to use the card ( number ) right away, as in before the physical card arrived. I said sure!

First thing I learned, is it's not an upgrade, it's a brand new card and account number. Second thing I learned I will NOT be able to use the number right away and today XX/XX/2019, I am being told I won't even be able to use it until I talk to someone on the phone tomorrow XX/XX/2019. 

That part doesn't really matter as much, the fact that it's a separate card/account was hugely misleading and fully would've stopped me from getting this card. Furthermore, the gold card, can't even be downgraded to the other card, it can only be downgraded to the Amex " XXXX XXXX ''. So no matter what I now have TWO creddit card/accounts with American Express. They also previously told me I could downgrade without hurting my credit score, and now I imagine, the only thing I can do is CLOSE the account which WILL hurt my credit score.
Product: Credit card or prepaid card

On XXXX I called to see if I could get a lower interest rate due to hard times with the virus. Customer ser rep said no lower rate was possible. Then she said that I could do a balance transfer for a 5 % fee and pay 0 % Int til XXXX. We went over the plan and I accepted the offer and we did the balance transfer. The transfer got paid on the other card and it showed on my Citibank account. Transaction was completed. 
On XX/XX/XXXX a citibank oper remediation rep called and she had listened to the prior call and said that the rep was wrong to offer the balance transfer. I told her I had a lower rate with the prior card and would never to make sense to pay 5 % fee and then pay Citibank a higher rate. I called customer ser on XX/XX/XXXXwhen I got a statement with Int being charged on the balance transfer. She gave me no solutions and said she could not do anything about it and suggested me having the balance trans delclined from the credit card comp. I want the deal I was offered and that Citibank completed. If i would have gotten a call from citibank before the transaction was completed I might have said ok. I did nothing wrong and oked the info the rep gave me XX/XX/XXXX. The transaction is completed and citibank should stand behind their reps or train them better. The rep said it was a offer she could offer me.
Product: Credit reporting, credit repair services, or other personal consumer reports

COVID PANDEMIC Bank of America Home mortgage, has been reporting me and my wife as being late on our credit reports. We have been in forbearance mode for the last 5 months. We just spoke with XXXX XXXX, XXXX XXXX, with the bank of America concerning the forbearance and the restructuring of the loan. The consequences have been a denial of an SBA guaranteed loan by the SBA disaster relief loans by the federal government. As I called today and they told me that we were rejected for the loan because of our credit. 
They have been reporting us illegally during the COVID crisis.
Product: Credit reporting or other personal consumer reports

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX.
Product: Credit reporting or other personal consumer reports

Citizens Bank and their outsourced collection agency was unable to help. In XXXX of 2024, Citizens Bank removed my delinquent account from XXXX reporting, causing my credit score to increase however, in XX/XX/year>, Citizens Bank began reporting the account again ; however, the reporting shows in a way that the account was recently reported as a charge off in XXXX, with no account history. This has now caused my credit score to drop XXXX points and my rating of " good '' is now " fair. '' My score was just over XXXX and is now in the XXXX due to Citizens Bank inappropriately reporting, removing the account, and then re-reporting just one month later. I asked Citizens Bank recovery team to explain what happened. They would not give me information and advised to file a dispute with XXXX. I feel that route will only be adverse and not helpful. Since the charge off has occurred, I have been making ontime monthly payments with the collection agency for the last two years or more ; however, the information being reported continues to negatively impact me.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint personally to address late payments appearing on my credit record. Upon review, I discovered these late payment entries. I sent correspondence about this issue over XXXX  days ago but have received no response, nor satisfactory validation. I request your help in resolving this matter swiftly and effectively.
Product: Credit reporting, credit repair services, or other personal consumer reports

After, Reviewing my full credit report. Majority of the credit inquiries on my report have not been authorized by myself, XXXX XXXX. Or I have no knowledge of why they are on my report at all. I would like them all removed or verified immediately please.
Product: Credit reporting or other personal consumer reports

It has come to my attention that your financial institution is reporting information to XXXX XXXX XXXX without my knowledge or authorization.

According to 12 CFR 1016.1, you are required to provide notice to customers about the privacy policy and practices. I never received such notices upon signing up for an account. Per 12 CFR 1016.4 you are required to provide a clear and conspicuous notice that accurately reflects your privacy policies to a consumer BEFORE you disclose any nonpublic information about me to any non-affiliated third party. XXXX XXXX XXXX is not an affiliated party pursuant to your privacy policies listed on your website.

According to 15 US 6802, " a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third-party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title ''. I was not provided any such notice prior to you disclosing this information nor was I told how to exercise the non-disclosure of my nonpublic information which is a violation of this law. Additionally, it is a violation of the Privacy Act of 1974 to furnish financial transactions. 

This is my second formal demand to opt out. You must comply with my right to opt out. Please note my right to opt out is indefinite unless you receive written communication from me stating otherwise. I am demanding you cease reporting to XXXX XXXX XXXX and instruct them to delete the entry from my consumer report. 

If you choose not to comply, I will be forced to not only report you to regulatory entities, I will also be taking necessary legal action.
Product: Money transfer, virtual currency, or money service

Found them via XXXX ads, clicked on the link and got sent to the XXXX XXXX XXXX. Told me that in order to trade as a VIP you need to invest XXXX USD. A month later they changed that amount to XXXX USD. My profits amounted to XXXX USD. They asked XXXX withdrawal fee. After requesting to withdraw and paying a certain amount of fees, they froze his account and waited. Still in correspondence with them. Opened XXXX and XXXX just for the scam. This entire situation resulted in me loosing XXXX USD of my hard earned funds due to Chases misadministration.
Product: Debt collection

This company has been repeatedly calling my sister, my place of employment, and myself. They have left messages and refuse to stop calling. I XXXX the information that they provided to my employer and found that other people are having the same issue. My employer got a call from a woman named, XXXX from " XXXX ''. This woman gave them a case or reference number for my " case '' - Ref # XXXX. I tried to call the number back and the voicemail stated that this company was called the GF Group. I have found no real information online about this company. All I have found is other people stating the same things were happening to them.
Product: Payday loan, title loan, or personal loan

I was looking for a loan online and to find out these 3 company said I still owe them. I haven't applied with any of them in 10-15 years.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding two consumer reports initiated by LexisNexis, which are tied to my vehicle insurance records and have adversely affected my car insurance rates over the past two years. 

The reports in question pertain to what LexisNexis has identified as car accident claims. However, these records are incorrect. The incidents referenced in the reports were customer service inquiries I made to my insurance company, merely seeking information about coverages in case of a hypothetical accident. At no point did I file a claim for any vehicle accident. 

Upon discovering the errors in these reports, I promptly initiated a dispute with LexisNexis. Despite providing detailed explanations and evidence supporting my case, my dispute was rejected on the grounds that LexisNexis believes their records are accurate. This decision has left me in a difficult position, as the incorrect information continues to negatively impact my insurance rates, imposing a significant financial burden on me. 

I believe it is imperative that LexisNexis takes immediate action to address this issue. The false information being reported is not only incorrect but also unfairly damaging my financial standing. I request that LexisNexis re-evaluates the disputed reports and corrects the inaccuracies promptly. 

To facilitate the resolution of this matter, I have enclosed copies of my correspondence with my insurance company, which confirm that no claims were filed. Additionally, I am providing copies of my initial dispute submission and the rejection response from LexisNexis. 

I trust that LexisNexis will handle this complaint with the seriousness it deserves and rectify the inaccuracies in my records. Failure to correct this information will leave me no choice but to escalate this matter to the appropriate regulatory authorities and seek legal recourse for the damages incurred. 

Thank you for your prompt attention to this critical issue. I look forward to your swift resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in the appropriate documentation that supports proof that an account with XXXX  was fraudulently opened. I have used all appropriate channels and submitted all required documentation including the attached police report and FTC fraud affidavit and filed a dispute with XXXX  ( Equifax ). They concluded the dispute by not removing the fraudulent account. I am in dire need of financing related to the XXXX. I am asking that this account be removed from my credit report as it does not belong there.
Product: Debt collection

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also, there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or  operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service
Product: Credit reporting, credit repair services, or other personal consumer reports

My social security number was use to co-sign loan without my authorization. When loan was taken out I was XXXX XXXX in military station in XXXX on deployment. I contacted loan company and fill out forgery form and no action was taken about it. I filled out identity theft report on FTC. Please remove from credit report because this is fraudulent. Any more information that is need please reach out
Product: Credit reporting or other personal consumer reports

I am writing to dispute negative information on my credit report maintained by your Credit Reporting Agencies under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 regarding permissible purpose. 
Upon reviewing my credit report, I have identified certain negative information that has been reported without my explicit permission or a permissible purpose as defined by the FCRA. As a consumer, I have the right to control who can access and report information about my credit history, and I did not authorize the reporting of the negative information in question. 

I hereby request that the Credit Reporting Agencies conduct a thorough investigation into the reporting of this negative information and provide documentation demonstrating the permissible purpose for its inclusion on my credit report. According to 15 U.S.C. 1681b, credit reporting agencies are only permitted to furnish consumer credit reports to those with a permissible purpose, such as for credit extension, insurance underwriting, employment, or other legitimate business transactions.
Product: Credit reporting or other personal consumer reports

I noticed unauthorized and unrecognized inquiries on my credit report.According to the Fair Credit Reporting Act ) FCRA ) USC 1681c2 legally these unverified and unauthorized items must be removed within 4 business days.