23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Absolutely ricicluous that Chase keeps denying me a line of credit when I have an avg XXXX XXXX XXXX, and all other factors that determine a perfect candidate ( revolving credit, usage, etc. ) with the XXXX major credit reporting bureaus. I have legally consulted proof that are a issues result of identity theft and that Chase is in error with their repeated denial on any basis. Last Chase open card 2017. But repeatedly denied on an incorrect basis, saying that I opened a card and received a promotion with XXXX  months. Please note all communication with Chase, Chase Lending, Chase Escalations has been documented. We hope Chase wil respond and rectify the matter in good faith to prevent legal action.
Product: Bank account or service

I had an online bill payment scheduled XXXX for XXXX, over the weekend I spent my money scheduled out as PNC banking showed it as available, however XXXX they still sent that payment causing overdraft of my account. I online chatted with them and sent them a message requesting they fix this problem and issue a refund, however they declined to do either.
Product: Money transfer, virtual currency, or money service

Some of my accounts were hacked so I closed my debit cards changed passwords usernames and so on. Well with cash app I changed my $ cash app name and pin. My friend sent me some money to my old account I tried to access my old account to transfer funds could not get access. I contacted cash app support through their email only way to contact them. The first email was sent on XX/XX/2021 I received the money on XX/XX/2021. So since XX/XX/2021 till this very day XX/XX/2021 I have been going back and forth trying to get help accessing my old account to transfer funds. Cash app has been sending me generic emails with links instructions on how to access my old account none of which work. The email I got from cash app on XX/XX/2021 states that they will do this one time courtesy and transfer my money into my new account. Oh happy days but the email I received on XX/XX/2021 says oh sorry no can do we can't transfer money for security reasons blah blah blah none of which makes any sense. I have all emails correspondence between cash app and myself. So I guess cash app is going to add my money to their payroll. It is theft and fraud plain and simple. The last email I received XX/XX/2021 from cash app says seeing how I haven't responded to them in 3 days the matter is closed. My last email I sent to cash app was on XX/XX/2021 so no 3 days has not passed without me contacting you so now cash app is out right lying.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX that you have included DEPTEDNELNET information in my credit profile on XX/XX/2013 and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

I demand that the following account be verified or removed immediately : Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation. 

In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 


Thank you,
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX 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 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 XX/XX/XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX. Account # : XXXX XXXX XXXX XXXX. Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person sha
ll 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is to my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Account Name : XXXX XXXX XXXX : Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraud alert was placed on my credit bureau profile, without my request and now resulting in no credit report found, as if I don't exist with XXXX 
A fraud alert was placed without my authorization or request on Experian as well. 

I have NEVER requested this and demand it be removed at once.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on MERCEDES BENZ FINANCIAL. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

( MERCEDES BENZ FINANCIA XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day, This issue is in regards to my credit report. I have several accounts listed below that don't belong to me. I have written letters to all three credit bureau and haven't received an response. This may be due to there being incorrect addresses reported on my credit report, such as 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 My correct address is XXXX XXXX XXXX XXXX, XXXX XXXX. 
Below are the accounts : XXXX XXXX- {$200.00}. XXXX- {$210.00}. XXXX XXXX- {$280.00}. XXXX XXXX- {$1800.00}. XXXX XXXX- {$1900.00}. XXXX XXXX- {$4200.00}
Product: Debt collection

Purchase a vehicle from XXXX XXXX XXXX on XXXX XXXX XXXX no on from the company never contact me or anything this year 2023 ever since then this vehicle give me problem and this company want bankrupt and I lose over {$4000.00} now westlake management involved now. Im so frustrated and fed up for this nonsense. They can repaired vehicle just refund all of my money. I refuse to make another payment for what and why the car in the shop. The vehicle is out of service and not drive able. What is next step to therefore I or we can move forward
Product: Credit reporting

There has been a collection added to my report on all XXXX bureaus, that does not belong to me for {$890.00}. The collection company is XXXX XXXX collecting for XXXX XXXX XXXX. I have been doing searches on the company name, XXXX XXXX XXXX, and I keep seeing SCAM, FRAUD - lawsuits by states - cease and desist orders from states. I have filed disputes with XXXX of the bureaus and I will call the XXXX. I have worked so hard on my credit and I 'm just sick that I have to spend all of this time chasing down a fraudulent report. I 'm reporting this in hopes of clearing it up and to provide information, as I suspect I 'm not the only one this has happened to. Please Help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2023, the IRS accepted the 1099-C for the cancellation of debt owed to Fortiva Retail Credit XXXX And on XX/XX/2023 a 1099-C was received by me from the IRS advising me that the debt has been discharged ( cancelled or forgiven ) and Fortiva is still attempting to collect on the charged off loan. Additionally, payment was sent in full to the indenture trustee XXXX XXXX with XXXX XXXX XXXX XXXX. Though I have not yet heard back from her, according to the UCC, 3-603. TENDER OF PAYMENT. ( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. Additionally, federal law says that it's illegal to report transaction history. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER, Per 16 CFR 433.2. 
The account with Fortiva Retail Credit an open-ended credit line and the credit application became a security the moment my signature was obtained. Fortiva Retail Credit and its trust companies and parent companies have committed securities fraud against me for the sale and securitization of the security that I provided them in which I received no valuable consideration for said security and it is still being traded on the secondary market.
Product: Credit reporting or other personal consumer reports

REF : XXXX XXXX and TransUnion To Whom It May Concern, I am writing to formally dispute multiple inaccuracies on my credit report. I believe these entries have not been properly investigated as required under the Fair Credit Reporting Act ( FCRA ), which mandates credit reporting agencies to conduct a reasonable investigation when a consumer disputes information. 

As Defined by the XXXX : The XXXX  considers a charge-off to be income, either as gross or ordinary income. Income like this doesn't belong on a credit report, so this information on my report isn't accurate! 
By XXXX  rules, any canceled debt or charge-off is classified as income. Reporting this as debt is incorrect. According to 15 USC 1681 s-2, Account Name, as a provider of information to a credit reporting agency, is prohibited by law from sharing inaccurate info. I'm requesting that you delete this inaccurate information from my report right away.

**15 USC 1681 s-2 ( a ) ( 1 ) ( A ) : ** " A person shall not furnish information relating to a consumer to any consumer reporting agency if the person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate and the information is, in fact, inaccurate. '' In summary, I've shown you that this information is wrong, and you've been notified. Keeping this inaccurate info on my report is a violation of the Fair Credit Reporting Act and your role as a credit reporting agency. 

Below is a list of the items I am disputing : Account Name : XXXX XXXX  Account # XXXX Charge-off : XX/XX/year> Account Name : XXXXXXXX XXXX Account XXXX XXXX Charge-off : XX/XX/year> Account Name : XXXXXXXX XXXX  Account # XXXX Charge-off : XX/XX/year> Account Name : XXXX  XXXX Account # XXXX Charge-off : XX/XX/year> Account Name : XXXX XXXX Account # XXXX Charge-off : XX/XX/year> Account Name : XXXX XXXX XXXX  Account XXXX XXXX Charge-off : XX/XX/year> I demand that these items be removed immediately unless you can provide clear, verifiable evidence that they were properly investigated and validated in accordance with federal law. Failure to comply with your violation or wiFe cAnsch a directEM consumers the right to accurate credit reporting and proper handling of disputes. Additionally, please be advised that I am prepared to take further legal action to enforce my rights under the FCRA. This may include filing complaints with the CFPB, the Federal Trade Commission ( FTC ), and Additionally, please be advised that I am prepared to take further legal action to enforce my rights under the FCRA. This may include filing complaints with the CFPB, the Federal Trade Commission ( FTC ), and pursuing a lawsuit to seek damages for non-compliance. 
I expect your full cooperation in this matter and require written confirmation of the actions you have taken within 30 days of receipt of this letter. Failure to respond appropriately will leave me with no choice but to escalate this issue further. 
If you have any questions, I can be reached at XXXX or XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I keep getting billed for Experian services on my chase credit card. I never ordered any services and never gave Experian any permission or authority to bill me or to provide me with any services. I tried calling Experian unsuccessfully, I also tried stopping the charges with my credit card also unsuccessful. Please help me.
Product: Credit card

On XX/XX/XXXX I noticed unauthorized charges on my Northlane debit card. I notified them while the charges were outstanding but they still let them process. 

I sent in requested paperwork on XX/XX/XXXX, disputing the charges. 

Their customer agreement says it can take up to 30 days to have the funds returned. I called after the 30 days and was told it could be 45 days. I called on Friday XX/XX/XXXX and stated my claim would be escilated. 

Today I was informed it would be up to 90 days as that was the time alloted the company who accepted the charge to dispute and provide evidence. They stated that this time would expire on XX/XX/XXXX while 90 days is actually XX/XX/XXXX. When I try to discuss it I get hung up on. 

XXXX  charges were in dispute for {$280.00} XXXX XXXX {$77.00} and {$56.00} XXXX XXXX {$150.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX my wallet was lost or stolen. In XXXX I found multiple accounts on my credit that were not mine. I resided in XXXX Texas at the time and filed a police report and a complaint with the FTC and forwarded the documents to the credit bureaus. Equifax and XXXX have both refused to remove the fraudulent accounts. In early XXXX I started receiving alerts that my social security number was found on the dark web. I contacted XXXX and Equifax again to notify them of this and again they failed to protect me as a consumer and by placing a fraud alert on my credit profile and removing the accounts. The XXXX POLICE DEPARTMENT POLICE REPORT NUMBER IS XXXX this report was filed in XXXX and provided to both Equifax XXXX & XXXX at that time Ive attached all of the paper trail for this for review and below each account is listed that does not belong to me and is a result of identity theft. 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. FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency. Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate or incomplete. 


Reported By XXXX  XXXX  XXXX Reported On XX/XX/XXXX Account Balance {$1700.00}
Product: Credit reporting or other personal consumer reports

I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT, and I included it again. Kindly correct the following accounts : 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 card

I signed up for the US Bank XXXX XXXX visa credit card, with a key benefit being the inclusion of a free night on award stays : " a bonus award night every time you redeem for XXXX award nights or more, the last night is complimentary ''. This was a key benefit for the card ( which carries an annual fee of {$75.00} ). I signed up for this card due to its benefits, which were clearly stated on the website when I applied and was accepted for the card. A week after receiving my welcome material, it was announced that this benefit would be removed beginning XXXX XXXX, 2015. I called US Bank to request that this benefit continue for my card, as I had applied specifically for this product benefit, but they told me the benefit would be going away for all cardholders. I find it incredibly deceptive to offer a card with certain benefits and then once I have the card and have paid the annual fee, the most valuable benefit then gets removed with no compensation for this loss.
Product: Credit reporting, credit repair services, or other personal consumer reports

A while ago, I contact the credit reporting agencies about XXXX XXXX inaccurate account balance and my concerns were ignored. 

I informed the credit reporting agencies that XXXX account balance is {$0.00} and not over {$27000.00} that was reported at the time of dispute. I requested for the account to reflect such or be deleted from my credit report. 

To date, the account has been closed and the balance was updated to {$21000.00} and not {$0.00}. 

Per the FCRA, credit reporting agencies suppose to insure the information they gather and distribute is a fair and accurate summary of a consumer 's credit history and they failed at doing so. 

Attach you will find a close up of my XXXX credit report, which I found in my cell phone photos of XXXX XXXX balance amount {$0.00}. 

XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Billing error 15 USC 1666b XXXX car XXXX and accounting on remittance on interest coupon dividends on my securities certificate of indebtedness Open-End Credit Account : I maintain an open-end credit account with Bank of America, account number Finance Charges and Credit Indebtedness : It has come to my attention that XXXX XXXX has not credited my account with dividends derived from treasury coupons via the ETF Act. These funds, which should have been applied to my account to offset finance charges and reduce overall credit indebtedness, have not been properly credited. 
XXXX Forms : Additionally, Bank of America has failed to provide me with all copies of Form 1099 for both past and present transactions. These forms are essential for tax reporting purposes and must be furnished promptly as they are considered income. 
Timely Payment and ETF Act Compliance : Under the Electronic Funds Transfer ( ETF ) Act and the Truth in Lending Act, payments made via treasury coupons should be applied promptly and accurately to my account. The finance charges applied to my account appear to be in violation of these regulations, as they are not required under an open-end credit customer credit plan. 
Certificates of Indebtedness : There has been no transparent communication or presentation of documents regarding the handling of my certificates of indebtedness securities. This lack of disclosure and clarity raises serious concerns about the management and reporting of my financial activities.