23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

In a letter dated XX/XX/year>, XXXX XXXX XXXX only provided evidence that the debt they bought from Capital One exists ( see Complaint No. XXXX ). They did not provide anything that could justify the causal relation between Capital One 's deprivation of my right to Accessibility and the fact of the debt. Historically, Capital One has been hostile to me when I sought to prevent the debt in vain ; the Specialty Assistance Program was supposed to help me with this, but it did not. XXXX failed or refused to provide any evidence of justification for this. 

On XX/XX/year>, at XXXX PM, while I was in the middle of handling the aftermath of an assault and battery ( I failed to allege battery ) by my brother, XXXX made an inappropriate phonecall that disrupted my ability to effectively communicate with the police, XXXX 's infliction of emotional distress resulting in further exposure to police misconduct ( which has been impacting my credit and financial health for over XXXX XXXX, now ). XXXX helps prevent me from repaying any debts this way, just as Capital One did by denying and disparaging my right to Accessibility. At XXXX PM, and then again at XXXX PM, I contacted the CFPB to discuss the unwanted contact, resulting in this complaint being filed online ( I could only access digital evidence for this complaint ).
Product: Debt collection

After examining my credit report, I identified inaccurate accounts that were not the result of an error.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX XXXX XXXX, XXXX NJ XXXX In accordance to the fair credit reporting act the above stated companies have violated my rights as per 15 U.S. Code 1681a2a-Section ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. In addition they are violating my Ferpa rights in sharing my medical information without my consent.
Product: Credit reporting or other personal consumer reports

I recently pulled my reports and noticed a company by the name XXXX XXXX whom I have never opened an account with reporting inaccurate information on my credit report. There is an account with the SAME account number reporting TWICE on my credit profile. The open dates are not consistent, one says I opened the account XX/XX/year>, while the other says I opened the account XX/XX/year>. Because the account being reported by XXXX and Experian are different, this means the account has not been properly verified.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you 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 items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I received a direct deposit form with an incorrect account number for my employer. On XX/XX/27 my first paycheck was deposited in this account for the amount of XXXX. Today was my last attempt to recover those funds with the bank manager of XXXX XXXX Chase Bank, XXXX XXXX, XXXX XXXX XXXX XXXX is the Manager phone number XXXX. She is taking the matter up with her executives.
Product: Credit reporting or other personal consumer reports

Companies have violated the fair credit reporting act & fair debt collection practices act, violated can spam & failed for 2 years to produce accurate scores, attempting to deny previous history from XXXX
Product: Debt collection

LVNV FUNDING LLC reported that I owe a debt with XXXX  XXXX XXXX XXXX XXXX XXXX  for the amount of {$560.00} on XX/XX/2022. I never received a notice of my right to dispute. Neither company has ever verified the debt. I have never had a contract with LVNV FUNDING LLC.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are hard inquiries on my credit reports for XXXX  and XXXX  from XX/XX/2020 from various banks. I did not authorize any of these organizations to run my credit and I did not apply for a loan with any of these organizations. I did not authorize any third party to run credit on my behalf. I believe this is an attempt at identity theft. In some cases, there are even multiple inquiries from the same company on the same date. 

Below is a list of inquiries on XX/XX/2020 on my XXXX  report. 
XXXX XXXX XXXX - 2 inquiries on Same date! 
XXXX XXXX XXXX XXXX is a list of inquiries on XX/XX/2020 on my XXXX  report. 
Avid Acceptance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

This Company as reported to my Credit profile 2 late payment in which I dispute Please Delete the late payments from my consumer report, this agency is in violation of 15 USC 1681.Futher more when I sign up I had a contract with the Company XXXX  and they called this company and sign me up with Belmont Finance LLC .

According to Congress, 15 U.S.C. 1681a to XXXX if Congress said that your consumer report does not included Transactions or Experiences between the consumer and the person making the report The line of Credit at what you use is a transaction. Transactions are payment histories, My Experience is the line of Credit, So if the consumers report does not included Transactions or Experiences where does this late payment on my report from this company comes from. It does not exist according the please remove.Consumer report.

( 1 ) In general.

The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumer 's eligibility for -- ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) Exclusions.

Except as provided in paragraph ( 3 ), the term consumer report does not include -- ( A ) subject to section 1681s-3 of this title, any -- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Checking or savings account

I have a lease with XXXX ( XXXX XXXX and they randomly charge my account for various amounts at any time they feel like doing so. They charged me XXXX on XX/XX/22 without any prior authorization from me. That isn't the scheduled amount I agreed to pay nor is it the day agreed upon for payment. I sent a text msg to XXXX on XX/XX/22 asking for the transaction to be canceled since its not authorized. They haven't responded. I called my bank to report the incident and a claim was opened. They then closed the dispute the next day stating no error had been made. Just because my card is on file doesn't give any merchant the right to access my funds on a whim. Chime bank refused to actually work this dispute.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights. 

Under 15 USC 1681 section 602 states I have the right to privacy.

Under 15 USC 1681b a report containing information solely as to transactions or experiences between the consumer and the person making the report shall be excluded from my credit report. 
Here is a link to the law https : XXXX Credit Acceptance is reporting about my transactions and the law states that those transactions shall be excluded. I want my transactions excluded from my credit report.
Product: Credit card or prepaid card

I identified in XX/XX/XXXX that a criminal had opened a credit card in my name fraudulently at TDRCS/XXXX known as TD Retail Card Services- XXXX XXXX XXXX under account number XXXX. This card was opened in XXXX of XXXX. I contacted TD Retail Card Services at XXXX multiple times and still have not received an affidavit for closing this account. 
I called and the TD Retail Card services customer service and requested an affidavit in XX/XX/XXXX, and they said they would send out an affidavit and it would be 7-10 business days. I waited 1 month, never received the affidavit, and called in XX/XX/XXXX asking for another affidavit. They said they would send another affidavit and I confirmed my mailing address. I waited another month and never received an affidavit. I called TD Retail Card Services again the first week of XX/XX/XXXX, and they said they would email me the affidavit in 24-48 hours. I waited 1 week and did not receive the affidavit. I called again today XX/XX/XXXX and asked where was my affidavit. They said they never emailed it to me and that they would mail me the affidavit again. 

They have been sending me mail that I have been receiving that is from their Department of Accounts saying that the credit card in question has past due payments required. So I am receiving mail from them. I believe this organization is maliciously refusing to send me my affidavit so that they have less fraudulent accounts on their credit history.
Product: Credit card

You must have known about the XXXX  charge I disputed and it was charged back on my credit card account I recently got a response on " XXXX XXXX XXXX '' from you guys that I can redispute that XXXX charge by calling the customer service. 

Calling customer service is a nightmare in your bank, I feel like XXXX XXXX XXXX XXXX XXXX XXXX, why don't you dispute the charge over here or you give me a call at my phone number because I am not able to reach any customer service agent after calling at your customer service. 

The charge in question was {$240.00} I would like to tell all of the people who was are looking at this complaint to not use this Goldman Sachs credit card- Marcus , you will be banging your head on the wall, the customer service is awful and there is no recourse of the charges you have made on this credit card if you will not receive the merchandise or the service.
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 : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  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: Credit reporting, credit repair services, or other personal consumer reports

So on XX/XX/2018 I get a update from credit karma stating that XXXX has been removed from my XXXX  credit file..I contacted XXXX  and they stated that XXXX stated that the account belongs to me ... I contacted XXXX  numerous of times and ask them since the account is paid in full can they remove it from my account Im getting fraudulent fees back from XXXX and XXXX but XXXX XXXX said they will update my information and late payments are still showing which is wrong. XXXX  keep updating with credit karma that account is remove which now they saying it was updated to change account
Product: Credit card or prepaid card

I have been with first progress for XXXX years. I have good credit and owed nothing on this card. I spoke to an agent in XXXX to remove XXXX late fee and expressed why I am getting late fees if I have not balance. 

They are charging me monthly {$29.00} and charge me a late fee regarding this but said to call in XXXX and they would remove the other {$41.00}. 

I spoke to an agent XXXX on XX/XX/2023 at XXXX and she expressed that i was misinformed and there could not be a removal of another late fee. I also explained this has cause a great impact on my credit file and needed this issue corrected. To no avail I received no resolution. 

I realize this much is a predatory card and also wanted to close this card out but can not. 

I really need help with this issue.
Product: Credit card

At approx XXXXXXXX XXXX XXXX XXXXXXXX, my cell number, account, and XXXX account were stolen. I watched it scroll across my cell, then it shut off. I immediately call Bank of America, and 2 other cards, from my landline XXXX, notified them, and froze accounts. BOA rep said " You're in plenty of time, it takes 1-3 business days ''. I had no access to cell phone until it was restored by provider on XXXX. ( They provided a theft letter to me ). A charge was made on a Bank of America credit card for {$1600.00} to a XXXX XXXX XXXX. On XXXX, I went to local XXXX BOA XXXX spoke to rep, she called fraud department, gave me case #. During the next few days, I forwarded all info to local rep who mediated with home office. Got resolution letter that denied claim of theft/fraud, accused me of having " an overdraft that money covered, in another account under my name. '' I dont bank with BOA. Have filed complaint with XXXX ( have case # ), Consumer Cellular ( have letter ), FTC ( have report ), Internet Crime XXXX ( have report ), Social Security, 3 credit bureaus ( all are frozen ), now CFPB. Next is local police, OIG, and my state AG. My name, SS # and overall well-being as a senior citizen has been violated, and BOA is treating me as a criminal. Any account they say I have with them or XXXX XXXX ( who I have never heard of ) is false and needs to be shut down as soon as possible. My personal bank in my town XXXX XXXX XXXX XXXX XXXX XXXX handled the theft/fraud professionally, and I continue to provide them with info as I obtain it. This ends my complaint. XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I used my cash app card to XXXX XXXX XXXX XXXX back in XX/XX/XXXX. There transaction included XXXX and deposit. XXXX XXXX settled the transaction on XX/XX/XXXX and cash app refuses to return the residual to my account. I have contacted them several times to be told it's XXXX XXXX but in conversations with cash app they admitted XXXX XXXX collected their portion. It is now been over XXXX XXXX and cash app still refuses to return my money. 

In addition, their reporting is also being falsified. It shows the total transaction amount when in fact it should be minus the XXXX XXXX XXXX  has already collected
Product: Payday loan, title loan, or personal loan

I applied for an application for a PPP Covid19 Loan within 36 hours of it being offered. I submitted my application for the application. I have not received an application. I have received continued emails from Wells Fargo indicating that I have a place in the queue and if they get to my place, I will be offered an application. Wells has indicated that I should consider applying elsewhere. I have called some other banks. All have the requirement that you have a business checking account and some kind of credit with them. My only business checking account is with Wells and I can not apply elsewhere. I believe that I have been defrauded by Wells. They have offered a product that they can not provide. Please let me know if there is anything I can do to get my loan. 

Thanks. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I AM REQUESTING THAT THIS KINUM # XXXX ACCOUNT BE REOMVRD FROM MY CREDIT REPORT. I HAVE NEVER HEARD OF THIS COMPANY YET ALONE MADE ANY PAYMENT WITHT HIS COMPANY. THIS COMPANY IS FALSLY REPORTING THROUGH EXPERIAN MONTH BY MONTH TO MONTH TO COLLECT A DEBT THAT I AM NOT AWARE OF! XXXX HAS BE AVOIDING MY DISPUTES AND AS NOT VERIFIYING THIS COMPANY REPORTING SCHEME. PLEASE CAN YOU REMOVE THIS ACCOUNT AND IT IS IMPACTING MY ABILITY TO PURCHASE HOME.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with, and under the protection of the ( fcra ) FAIR CREDIT REPORTING ACT. I ask for the complete investigation, verification, and subsequent removal of any and all inaccurate, incomplete, and or unverifiable accounts being reported by credit bureaus. These laws sited insist privacy, permission, accuracy, fairness, and complete investigation before reporting any information and alleged accounts. 15 U.S.C 1681sec 602a, 604a sec 2, 1681i ( f ) ( 3 ) ,1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 1 ) ( B ), 1681i ( a ) ( 1 ) ( C ), 1681i ( a ) ( 2 ), and 1681i ( a ) ( 3 ). These are the accounts in question. ( 1 ) XXXX XXXX  account # XXXX. ( 2 ) XXXX XXXX XXXX account # XXXX.
Product: Debt collection

I am filing to dispute the inaccuracies on my credit report with Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I have applied for a mortgage and the mortgage company addressed an Alert in my credit report regarding my Social Security Number. The mortgage company mistakenly considered the Alert as a fraud and requested an SSA form. I believe Equifax report is against the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) as I was a student and was not eligible to apply for a SSN. After graduation, I started my OPT and I have applied for SSN. My SSN has been issued on XX/XX/2015. Therefore, Equifax put a wrong Alert in my credit report without providing enough information regarding my visa status in the US. I would like to remove or correct the alert immediately as the alert hurt my dignity. I am a permanent resident of the United States and received my XXXX XXXX from the XXXX. Equifax should not have this much power under the US flag to put a wrong alert and hurt peoples dignity irresponsibly.
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been several attempts made.The trade line was removed from my credit report several times and the company added it back on my report
Product: Checking or savings account

I went into the branch on Tuesday XXXX/XXXX/XXXX at XXXX I went into the branch and spoke with XXXX XXXX at the XXXX XXXX branch. My account was negative {$540.00}. There were {$750.00} in over draft fees. The card should not have been authorized when it was declined. I did not opt into overdraft protection. Multiple transactions had gone through on the account over 30 items at {$36.00} per items. I had several account activity transactions summaries printed which showed that the debits were posted at midnight but the deposit posted at XXXX. I asked why the debits where posted prior to the deposit which would clearly cause me financial harm and financial harm to my employees he said the only person who could help me was the Assistant Vice President XXXX XXXX. He advised me to get a loan to help cover the fees, ask a friend or contact XXXX XXXX XXXX. He also suggested I apply for a line of credit with a guarantor. He proceeded to reverse one overdraft fee and again referred me to XXXX XXXX. I have called and left her several messages. She never calls me back, she is never there when I stop in. The account has been accruing {$18.00} per day while I try and contact the only person I was told can fix it. This is my business account attached to my EIN so I need to have this corrected. I was advised that I could not close or open one business account. I do n't understand why they will not help me. This is caused more financial hardship and the only advice I received was to get a loan which causes more financial distress. This all seems unethical. I am being avoided and eventually the account will charge off.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XX/XX/XXXXXXXX Account Number : XXXX Account Name : XX/XX/XXXX Account Number : XXXX Account Name : XXXXXX/XX/XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Debt collection

RE : Your Reference Number XXXX, Acct Number XXXX, reference number XXXX This collection agency is attempting to collect an alleged debt. I requested the following information to support the alleged debt : name and address of the original creditor, a copy of the original signed contract, and a complete accounting / statement of payments with interest and fees associated with this debt. To date, I have not received this information.
Product: Bank account or service

Back in XXXX of 2015 I opened a Citigold checking account with an offer stating I would receive XXXX XXXX XXXX miles after meeting outlined criteria. I then met those criteria, confirmed with a Citi representative that I had met the criteria, and was told to expect the points to be deposited into my account by the XX/XX/XXXX. During this time I was charged two monthly service fees of {$30.00} each. Now, after confirming this promotion was applied to my account, confirming that I had met the requirements, and confirming that the points would be deposited in the XX/XX/XXXX. Citi has pulled a bait and switch. They have suddenly decided I do n't qualify unless I can find a postcard from 7 months ago showing the offer. Who keeps junk around that long and why was n't that mentioned before? Now I have {$60.00} of fees and I will not be getting my points. I am still to date asking them for the points and wanting to understand how three people saw that I qualified but am being turned away. It has become apparent that I have to uphold my end of the terms and conditions by paying a monthly service fee, but Citi does n't have to uphold theirs. Something needs to be done. I hope enough pressure can be put on Citibank to make them honor the promotion they already told me I qualified for. 

Thank you & regards, XXXX XXXX