23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally submit a complaint regarding Equifaxs refusal to grant me access to my My Equifax account despite my multiple attempts to verify my identity and comply with their requests. 
Over the past several months, I have sent all required documentation to verify my identity on multiple occasions. This documentation has been sent via certified mail, which has proven to be both time-consuming and costly for me. Despite having proof of delivery, Equifax continues to claim they have not received the information. 
This ongoing issue has caused significant frustration, as I have followed every protocol they have requested, yet I still do not have access to my account. I am concerned about the lack of response and transparency from Equifax, especially considering the sensitive nature of my personal information. 
I am seeking your assistance to resolve this matter, as I am unsure what further steps I can take to gain access to my account and address any potential errors in my credit file. 
Please let me know if any additional information is needed to assist with this inquiry. 
Thank you for your attention to this matter. 


Sincerely, XXXX XXXX
Product: Debt collection

I have sent numerous emails and called many times in order to dispute the debt this outstanding with XXXX XXXX XXXX. On numerous occasions, I have tried to get a hold of someone via the phone as I was XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX in XXXX for the XXXX. Additionally, when I was transferred to XXXX for my XXXX XXXX XXXX I attempted a few more calls. I was advised that I could only speak to one specific person in regard to my account. Since I stopped going to this I have tried to get what I owe the balance of {$2400.00} which was opened on XX/XX/XXXX. This account also has been placed on my credit report and this school  is preventing me from completing my education because of this hold. I tried to resolve this debt and made inquiries as to what this debt is for. The school and its representatives refuse to answer my questions or respond to my calls/emails. I do know that I dropped XXXX classes in which one I was advised did not cost me anything and then the second one was already funded by the XXXX XXXX Assistance program in which I had to pay the XXXX back {$1000.00} for failing to drop the class in time. Is this how XXXX XXXX get treated even after becoming XXXX XXXX  XXXX The Veterans Affairs has XXXX my prior student loan debt but XXXX XXXX wants to continue to hold back my education.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX, Experian, and XXXX regarding the inaccurate information on my reports and the tell me the accounts have been verified without providing any information as to how it was verified. 

I have explained to all three credit reporting agencies that this is a violation of the Family Educational Privacy Act of 1974 in which they would not share my information with any third party affiliates. That is also a violation of the Privacy Act of 1974, 15 USC 1681s-3 It is also Illegal to report transaction history
Product: Debt collection

I took the loan out in XX/XX/XXXX to help start a XXXX XXXX  position and immediately following, I was rushed to the hospital with barely a XXXX. I was in the hospital for days and was XXXX  for the remainder of the year. They started reaching out during the spring XXXX to collect and I explained everything that happened. I was going to pay as soon as I was able to return to work. It was transferred to National Credit Adjusters and I spoke with a representative about payment and deletion of this negative information in XX/XX/XXXX. It has been months since I paid it off but it dropped my credit score to XXXX from XXXX. I am trying to buy my home back after doing a quick sale when I was getting separated in XXXX. The man who bought it, was aware of my situation and how my husband stopped paying the mortgage out of spite, and he did so with the intention of selling it back to me once I returned to work and became financially independent. I cant get anywhere with NCA and I paid it off and closed the account but they didnt delete it. All of my payment history in the past 20 months has been on time since recovering from my hospitalization and I am not getting anywhere with them.
Product: Mortgage

Please explain what a mortgage credit is. 

You charged me XXXX  XXXX dollars for mortgage credits in my first loan. Then the second loan had a XXXX fee. So y did I get charged mortgage credits on loan one. Why did no body tell me what they were. Why did I have to pay XXXX XXXX dollars for something that I think increases my interest rate. Why are they used in both loans. What did you use the mortgage credits for.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a account from XXXX XXXX that I previously disputed and had removed from my credit report thats was not mine, I have never done business with this company. On or around XXXX oXXXX XXXX This account was added to my credit report for a second time, now how could it be removed and deemed not mine now its on my report and I dispute it it comming back verified. I ve ask equifax to send me verification process, signed contract with this company but they have yet to show proof
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion employee, XXXX XXXX, Senior Supervisor in the special handling department was the 4th person I spoke with on XX/XX/XXXX. I spoke with an agent in the disputes department, I spoke with her supervisor, I spoke with that supervisor 's supervisor, then she transferred me to XXXX who is her supervisor. 

Every single person told me they do not care what the law states about consumer reporting practices, that they only are required to comply with company policy. 

TransUnion is reporting an installment loan account by creditor XXXX XXXX, acct number XXXX. The creditor very accurately lists adverse information for this account and TransUnion classifies it as - " Condition Derogatory ''. The account was paid off and closed on XX/XX/XXXX, which is 9 years and 6 months ago. This violates federal law. 

In fact, TransUnion lists this account as a factor adversely impacting their computation of my credit score, and states that once this account is removed from my credit history, in time, my credit score will improve. 

My credit score from TransUnion, as a result of this error, is XXXX. In their explanation of the computation of this score, TransUnion states, " Based on your credit report data, this is a depiction of your credit worthiness. '' In comparison, my scores from XXXX and XXXX   are XXXX and XXXX respectively. Both XXXX and XXXX automatically removed this account at the 7 year anniversary without any request from me. More than 2 years later, TransUnion is still reporting this account in violation of Federal Law. 

The following code clearly states this account must be removed from my credit report. After 1 hour and 25 minutes on the phone, while still refusing to comply with the law, XXXX stated she was notating my account so that all other representatives would be advised NOT to remove this information under her direction, such that if I call back I will be refused for this same request, then she hung up on me. 

U.S. Code Title 15. COMMERCE AND TRADE Chapter 41. CONSUMER CREDIT PROTECTION Subchapter III. CREDIT REPORTING AGENCIES Section 1681c. Requirements relating to information contained in consumer reports ( a ) Information excluded from consumer reportsExcept as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Product: Payday loan, title loan, or personal loan

I got an email on XX/XX/2022 stating, " Dear Applicant : You are receiving this notice because you applied for a NetCredit product through XXXX XXXX. Your request for consumer credit was carefully considered, and we regret that we are unable to approve your application at this time, for the following reason ( s ) : '' I never applied for this. I tried calling this company because the email also showed this : XX/XX/2022 XXXX XXXX  XXXX XXXX XXXX Account # : ******* XXXX XXXX XXXX XXXX XXXX XXXX WI, XXXX Which made me think and ask the first person who answered did someone open an account with this company in my name. The person hung up on me. 

I called back and asked for a manager and was put on hold for over 20 minutes at which time I hung up.
Product: Checking or savings account

On XX/XX/XXXX at XXXXXXXX XXXX I received a phone call from a Wells Fargo representative saying there was a suspicious transaction with my debit card in Georgia. I told him Im not in Georgia and I live in California. He then told me I was going to receive a new debit card within 7-10 days and that it was going to be shipped to my home address in California. I asked if he could add it to my XXXX XXXX because I was going on a trip to XXXX California on XX/XX/XXXX, he said he did, but to access and use I would need my physical card to enter in my security code. I then called again that night just to see if my card could be expedited some how and the representative I spoke with said unfortunately because the card was already processed to be shipped I couldnt make any changes. 
XX/XX/XXXX I received a notification on my Wells Fargo app saying my debit card was shipped and it Was shipped to an address in NEW YORK. ( I live in California ). I then called Wells Fargo fraud department that day and they told me that message was a mistake because my card was sent to my home address in California. 
XX/XX/XXXX I got a phone call saying they are Wells Fargo and that there was fraud on my account. I checked my account and I was wiped out {$2700.00}. 
I called Wells Fargo fraud department, and told them the story how on XX/XX/XXXX I got the initial phone call for fraud and was sent a new debit card. I then told them I called to raise concern about the New York address. The senior analyst I spoke with said that it was a one time address change. I never requested an address change nor did I ever receive my debit card, so the employee initially helping me must have made that change without my consent. I called XXXX to follow up on my claim and they said it was denied, due to my card being physically put in an atm machine. I then spoke with another senior analyst about my issue And had concerns about my card never being shipped to my physical address, he was unaware of the issue as he said that it was not written anywhere.. dont you think banking fraud analysis write up everything a customer is saying in full detail? All calls are recorded and monitored so shouldnt they be able to look into all phone calls? Wells Fargo is hiring people who are making fraudulent activities to peoples accounts. Now Im negative, while having a family to feed and bills to pay
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  has written off this account. I do not agree with you about having to pay any amount. According to the FDCPA, XXXX XXXX XXXX or any other debt collector has to have consent to communicate with me which you do not have. Any communication after this will be considered harassment. 
Under Section 809 ( b ) of the FDCPA, you are required to provide me with the following information before pursuing any further collection activities : Verification of the debt, including the name of the original creditor and detailed documentation of the amount owed. 
Proof that you are legally authorized to collect this debt. 
Until the requested verification is provided, I request that you cease all collection efforts and refrain from reporting this debt to any credit reporting agencies, as inaccurate or unverifiable reporting violates the Fair Credit Reporting Act ( FCRA ). 
Additionally, I demand that you refrain from contacting me except to provide the requested validation or to confirm that you will cease collection efforts. 
Please be advised that this letter serves as my formal notice under the FDCPA to protect my rights as a consumer. I expect your response within 30 days from the date you receive this letter. 
Thank you for your immediate attention to this matter. 
Thanks, XXXX
Product: Credit card

The complaint I'm registering is about a charge made on my credit card with JP Morgan Chase. The card is a Chase Sapphire XXXX Credit Card. 

I arrived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) after midnight and got a taxi around XXXX local time. The taxi was inside the airport. After dropping us off, the taxi driver swiped my card twice as he said it wasn't registering the first time. I realised something didn't seem right and asked for my card back immediately. He gave me the card back and rushed off in his cab without giving me any receipt. When I checked my credit card app and saw that he had charged me {$XXXX} ( XXXX dollars ) more than he said he would. 

I called my credit card company 's helpline immediately and they said they couldn't do anything until the charge was " posted '', as it happened just a few minutes ago it was still a " pending '' charge. They said it would be " posted '' in XXXX hours and I should connect with them after. I reached out to the airport but ofcourse they didn't have any contact details for the taxi driver based on my information. 

Once the charge was posted I called customer service at JP Morgan Chase again and they said they couldn't do anything for me as the purchase appeared legitimate to them. And as I didn't get any receipt from the taxi driver they couldn't do anything. 

I don't quite understand what they expected me to do in this case as I called them immediately as soon as the transaction happened to flag it as fraudulent. JP Morgan Chase has charged me for the {$XXXX} overcharge and I don't believe that's right which is why I'm putting in this complaint.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention the issue of inaccurate information that Experian is reporting on my credit report. Despite my efforts to resolve this directly with Experian, these inaccuracies have not been corrected and continue to adversely affect my credit score and financial well-being. 

These inaccuracies are clear violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

The FCRA mandates that credit reporting agencies must ensure the accuracy of the information they report. Specifically, Experian is in violation of : Section 611 ( 15 U.S.C. 1681i ), which requires credit reporting agencies to correct or delete inaccurate, incomplete, or unverifiable information within 30 days of a dispute being filed. 
Section 623 ( 15 U.S.C. 1681s-2 ), which obligates information furnishers to provide accurate information to credit reporting agencies and to correct any errors promptly. 
Given Experian 's failure to adhere to these legal obligations, I am requesting the Consumer Financial Protection Bureau 's immediate intervention to ensure compliance. I urge the CFPB to mandate Experian to delete the inaccurate information from my credit report without delay. 

Attached to this letter are copies of my communications with Experian, including dispute letters and their responses, as well as a copy of my credit report highlighting the inaccuracies. 

I appreciate your prompt attention to this matter and look forward to a swift resolution that restores the accuracy of my credit report. 

Thank you for your assistance.
Product: Credit card or prepaid card

I have a credit account with JPMCB that is delinquent. I am going through a security clearance with the XXXX. I needed to make payment arrangements. I called Chase on XXXX XX/XX/2022 @ XXXX XXXX  and spoke with XXXX. She stated that I needed to call the collection agency XXXX XXXX. I called and spoke to XXXX. XXXX was unable to process a payment and stated that since I am military, they were sending the account back to Chase in the military department. I called Chase in the military department and spoke to XXXX. She transferred me to XXXX in the core services team which then transferred me to the charge off department. I then spoke to XXXX who informed me that I could not make a payment arrangement with them because XXXX XXXX were handling my account. I explained what XXXX had told me earlier on the call and she stated to just call and not tell them I was military and to withhold any information regarding my military status. I called XXXX XXXX back and talked to XXXX. XXXX stated that she could only take payment in settlement or payment in full. That XXXX XXXX was not able to take payments as this account is being sent back to Chase for further review.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES 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. 

Account Name : XXXX XXXX # XXXX -DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX -DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX -DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX -DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX  XXXX XXXX  XX/XX/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
Product: Debt collection

This company continues to report an unauthorized account. Ive sent debt validation letters, Ive disputed this and somehow this account is continually verified as accurate. The only thing Ive recieved from these people is a photocopied bill. Nothing with a signature, nothing that shows proof that I own this debt. I want this unverified account removed from both my XXXX  and XXXX report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried several times to have inaccurate information deleted from my credit report, but to no avail. The accounts referenced in the complaint are not mine. After submitting more documentation to prove my identity, I requested that the credit bureaus investigate and update my reports with the correct information, but they have yet to react. Not only are the accounts inaccurate, but they also report on each report in a different way. Account numbers and balances are not only unfamiliar, but they also do not adhere to the standards governing accurate and consistent reporting. Please help me.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$980.00} ; XXXX XXXX Balance : {$4200.00} ; XXXX  XX/XX/2021.
Product: Credit card or prepaid card

On XX/XX/XXXX, I applied for and received a credit card from U S Bank, called XXXX XXXX XXXX XXXX. The enticement that caused me to apply for the card was this : " Save an additional XXXX cents per gallon of fuel FOR ONE YEAR each time you redeem 100 fuel points ''. 
XXXX, via their customer reward card, gives 10 fuel points for every qualified {$100.00}. spent in their store. The points can be used to reduce the cost of gas at XXXX XXXX stations. 
on multiple occasions, I used more than 100 fuel points but did not receive the " additional '' earned reward points promised by US Bank Master Card. For example, on XX/XX/XXXX, I purchased XXXX gas and used 200 of my 266 fuel points. I received 25 additional points, making my discount {$.00}. On XX/XX/XXXX, I purchased XXXX gas and used 500 of my 516 fuel points, and received a discount of {$.00}. 
According to the promise of the card, I should have received ( in the first example ) a discount of {$.00} ( additional 50 points for 200 XXXX fuel points ). In the second example I should have received 500 additional fuel points in addition to my XXXX points, making my discount {$1.00}. 
As I read and understand their own written words, I am not receiving what I had expected upon applying for their mastercard.
Product: Credit reporting, credit repair services, or other personal consumer reports

Some of these items in regards to my Accounts on my credit report are very misleading these also hold fines between XXXX dollars in violation of the Fair Credit Report Act ( 15 U.S.C. 1681 ( a ) ( b ) Under 15 U.S.C. 1681 ( I ) I am asking for this information to be updated and all late payment be listed as paid on time. Multiple accounts show on time payments by 2 bureaus then late by another bureau in the same month All monthly payments should be reported on time. This is not 100 % accurate AND NEEDS TO BE ADJUSTED. Also on each account Attached it has the in correct open dates on all accounts and Balance are all off and incorrect and status are incorrect bureaus are reporting paid then other bureauS reports late these need to be corrected. It is also against the law without consent to show payment transactions, utilization and payment history under U.S.C 6801-6805. ( OPT OUT ) PLEASE ADJUST ALL ACCOUNTS LISTED BELOW. Also please fix all personal information on my reports there should be 1 address listed XXXX XXXX XXXX all other addresses are non-mailable and need to be removed 1 telephone number- XXXX and 1 employer XXXX . Each time these companies have reported monthly without consent they are in violation. 

Accounts with in accurate information. ( Please update all payment history 's misleading information no payments should be late. Please correct all other misleading information account open dates, balances etc. 

XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX charge off account 2 bureaus show no reporting the other needs to be removed. Inaccurate XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Paid In full not closed XXXX XXXX Paid not closed XXXX XXXX XXXX Letter from previous dispute with the bureaus and credit report attached.
Product: Credit card or prepaid card

I initially made a purchase through XXXX XXXX for Bunk-beds, and I was accidentally charged twice for this. I disputed the second charge, and XXXX XXXX corrected that mistake. However, Capital One whom I have my credit card through, filed the single dispute against both charges. The Correct one and the extra one. As a result, XXXX has now blocked my ability to send or receive money through them. I have brought this mistake to the attention of Capital one, and they are saying that due to Mastercard 's Policy and Federal regulations, they are unable to undo the dispute that they opened by mistake. I have reached out to Mastercard, and reviewed federal regulations and can find nothing that prevents them from removing the dispute at my request. Mastercard as stated emphatically that they have no such policy. If Capital One does not undo their mistake, I will permanently loose access to doing business through XXXX. Despite numerous phone calls, and days spent trying to resolve this, Capital one still refuses to act.