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

I am challenging the information listed on the response from LEXISNEXIS with facts directly from the reporting site in which they claim they investigated this issue in the first place. In their response they state " Through a recollection of the bankruptcy record, LexisNexis determined that the name, address, and last XXXX digits of the social security number originally filed on the full bankruptcy docket obtained from Public Access to Court Electronic Records ( PACER ) match Ms . 
XXXX name, current address XXXX XXXX XXXX XXXX XXXX, FL XXXX and full social security number reported to LexisNexis by the nationwide consumer reporting agencies. There is misinformation in this statement. They claim they verify the last four of my SSN to match the information listed in PACER however in the next line they state they verified my FULL social as a match. How can this be? Per PACER 's information listed " In a XX/XX/XXXX session, the Judicial Conference approved amendments to the Federal Rules of Bankruptcy Procedures and the Official Bankruptcy Forms. The amendments implement the conference policy on privacy and public access to electronic case files. These amendments took effect at all courts on XX/XX/XXXX. As a result of this decision, only the last four digits of the SSN are  displayed on all reports. If the full social can not be verified on this documentation how can this be accurate information? Furthermore I do NOT believe you reinvest-gated anything staff for several companies including XXXX XXXX is down due to on-going stay at home orders in place. How was a re-investigation completed in less than a week after my complaint was submitted?
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M HAVING ISSUES GETTING MY DISPUTES SUBMITTED TO THE CREDIT BUREAUS
Product: Credit reporting or other personal consumer reports

I reviewed my consumer credit report and noticed I had two late payments on an account that I for sure paid on time. The consumer reporting agencies have assumed a vital role and have a responsibility to report my consumer information with maximum accuracy. I for sure paid my account on time and was not late on the months in question. I have included screenshots inside this complaint of the inaccurate payment reporting on dates XXXX and XXXX. Please investigate and provide proof with statements showing that these payments were paid late. If proof can not be provided, I demand these payments be updated to paid as agreed on time. I paid the payments on time ; my credit report should reflect that. Thank you! Please see screenshot attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters obtaining all information needed to remove this inquiry. This inquiry is affecting my chances of establishing a great history with the current company. The name of the inquiry is XXXX XXXX. The inquiry date is XXXX XXXX, 2018. The bureaus reporting is Experian, XXXX, and XXXX. Thank you!
Product: Payday loan, title loan, personal loan, or advance loan

I had a payday loan with SpeedyCash since end of XXXX or beginning of XXXX always made my payments on time and never had issues. As of XX/XX/XXXX I was unable to access my online account after the loan payment was taken from my personal bank account, when I called they said there had been two accounts and a third party had taken over the older account from XXXX which I wasnt aware of and was never contacted by the third party about this and its not on my credit report.
Product: Debt collection

I noticed this company on my XXXX  credit report, but have not received any letters of communication from them nor have I received a phone call. This company have not validated that this debt is mine nor have they verified any information is correct. I have sent many letters to them asking them to validate this debt and have not heard from them, it has been over 6 months, and I have still not heard from this company. The amount of debt they are reporting on my credit report is {$2200.00}. I do not believe that this is my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Can I please lift my fraud alert and security freeze temporally for 3 month, I haven't received the pin to remove it, please send it to my address.
Product: Credit reporting or other personal consumer reports

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a Power of Attorney to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.

Summary of Accounts being challenged in list form XXXX  - Account XXXX THIS CONTRACT IS CANCELED XXXX XXXX Account XXXX Please ensure that all information is accurate
Product: Credit reporting or other personal consumer reports

Looked at my check system report due to not being able to spend a bank account saw that there were several accounts that I did not open ask for these errors to be fixed and it have been over 69 days and nothing and they are still on my report
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized charge {$25.00} on account that was inactive and doormat for over a year Company charging late fees for an inactive account and refuses to take fees off CR And unauthorized close of account. 
Called 5 times no corrections.
Product: Checking or savings account

On XXXX XXXX i make am online purchase to XXXX for the amount of {$83.00}. And the order was cancelled by XXXX right away and i didnt received the product because the order got cancelled by XXXX. On XX/XX/XXXX, i opened a Claim to chase bank because XXXX kept saying that my money was going to get refunded in 5-7 days but i never got refunded my money. Chase refunded the money but they investigated and according to Chase they got a report from XXXX stating that my order was delivered but I didnt Pick it Up. I contacted XXXX asking why they send the report to chase stating that my order was delivered to me. XXXX send me emails stating that the order was cancelled and when an order gets cancelled right away they dont get no money and the bank is the one that has to give me my money back. Chase told me that they are not giving me my money back because they did an investigation and XXXX  confirmed them that my order was delivered to me. I never got delivered my order.I contacted XXXX and they send me proof that my order was cancelled and that chase should review again because XXXX doesnt know who told chase that my order was delivered when it was cancelled. I call back chase but the manager XXXX told me my case was closed and the manager didnt want to help me anymore because XXXX gave them a report that my product was delivered to me but this is not true I never got any product. I need my money back this is very unfair from both chase and XXXX.
Product: Credit reporting or other personal consumer reports

My request for a review of accounts is being ignored.
Product: Debt collection

I have asked for VALIDATION not verification in regards to this account. You have only sent a bill with mine and my brother in laws names. ( Which he already took you to court and won due to you NOT having a signed contract ). I did not ask for a bill, I have asked for a signed contract which is my right under the fair credit act. If you can not provide a signed contract, you must remove this from my report. 
I also stated in my last complaint that the collection agency being used is not bonded in my state.
Product: Credit card or prepaid card

I purchased cruise tickets via phone with XXXX XXXX via XXXX XXXX. I told the employee on a recorded line that one name was incorrect, and that I would confirm the correct name the following week. She informed me that this was fine, and no name-change fee would be applied since booking the tickets was time sensitive. This occurred on XX/XX/XXXX. 
A name change fee was charged on XX/XX/XXXX in the amount of {$150.00}. I disputed this with Chase on XX/XX/XXXX. I also informed Chase that there was a recorded phone call of the representative informing me that no name change fee would be charged. Chase declined my dispute, specifying that they would not review the phone call I requested they review. They also informed me that if I wanted them to review the phone call, I would need to reopen the case through an enormous amount of paperwork. The paperwork was sent to my home address despite my informing them that I was at University, and they have otherwise been insistent on not making the process any more possible for me to continue.
Product: Credit card or prepaid card

I ordered a part from XXXX. They sent me some unknown part I did not order. I returned the part, paying for the shipment myself. They are refusing to refund my money after receiving the unknown part. The part was ordered using my Chase Amazon Visa XXXX card. Chase is also refusing to take the charge off my account. I am without a product and without my {$240.00}.
Product: Credit card

I applied for a chase slate edge credit card and got approved for it. They closed my account within 2 days of opening. My credit score went down. The company is false deception and fraud. If I was not approved for the card then don't approve me in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

There's 2 XXXX XXXX cards on my account that were paid and close on XXXX. However XXXX 's kept both open until XX/XX/XXXX to accumulated more fees despite the cards to my knowledge been close on XXXX. 
Now both cards show on my credit report as charge offs on XXXX and XX/XX/XXXX when this information is not accurated because both accounts were paid off and closed on XX/XX/XXXX. 

I need macys to report the accurate close date on my cards and to show them as paid and closed because they were paid and closed on XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

So cash app has a referral bonus going for inviting people and on atleast 6 or 7 invites ive completed the steps as required and was not awarded my bonus and neither was the people i invited. When contacting cash app customer service they just copy and paste the steps to get the bonus and say thats all the information they can give and end the chat. They in no way try to actually help or solve the problem. There was even an instance when one of the people i invited contacted their XXXX  support and XXXX support told them that the payment was issued but could not be completed by cash app and that the payment would not be re issued. What!? So a cash app payment could not be completed by cash app and it will not be reissued meaning I should have gotten the payment but since your system didnt complete it im just not going to get my money? That is extremely messed up and fraud this company needs to be regulated more or shut down for their fraudulent actions and lack of customer support. They dont care about their customers or attempt to help them they just copy and paste boilerplate responses then send you on your way with absolutely no resolution to your problem. I just recently sent a invite to my younger cousin and he used my referral code he sent me the required {$5.00} and he added a new debit card and the referral wasnt given to us and when he contacted customer service they just copy and pasted the steps to get the referral which he did and ended the chat.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX. To whoever reads this message I pray that all is well and many blessing may come toward you. I am writing this complaint to the CFPB after a failed dispute with the CRA. Please note that this complaint is from myself and there are no third parties involved. After review of my personal credit report, I have noticed that there are several inquiries listed that were not approved or initiated by me. The inquiries involved seems to be from auto dealerships that appeared within a 45-day period from XX/XX/2022, through XX/XX/2022. Interestingly enough these dealerships appear to be very far away from my home. The closest being more than 100 miles away and as far as 400 miles away. These inquiries were not made or approved by me and there are no accounts or services issued or provided to me regarding these businesses. The inquiries listed below are fraudulent and need to be removed from my report immediately. The only response I have gotten from the CRA is that these inquiries have been verified. 

XXXX XXXX XX/XX/2022 XXXX  XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello on XX/XX/2022 I sent a inquiry removal letter and FTC report to Transunion and received a computer response. They dont understand this is hurting my record and tarnishing my character, They are brushing off my issue and not taking me serious. I know per the fair credit reporting act legally these unauthorized inquiries must be removed and blocked. Please remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. My Info was also impacted by the XXXX data breach so I dont know who could have my information now. I do not want a fraud alert placed on my credit profile none whatsoever but I demand these inquiries be removed please. I also attached the bland computer response i received that did not resolve the problem which is why I am submitting this complaint.
Product: Credit card or prepaid card

Our credit cards Chase Marriott and XXXX have been compromised our identity has been stolen we had a fire and a flood and victims of rand some ware - I reported the fraud and the company issued temporary credits and now says they are re instating all the fraudulent charges - while the merchants and vendors may have valid purchases - we did not authorize and our cards we thought were destroyed in fire and flood and then our computers were rand some ware and our e mail and phones hacked we have taken extraordinary steps to protect our selves we have been customers of chase for over two decades and we expected to be serviced and treated with respect and dignity we were n't we did not know what to do and we did n't realize all of this was going on because we were trying to rebuild from a flood and fire and then all the electronic fraud please help us resolve problem we were n't made aware from Chase that we needed to provided proof of anything then they call to say they are reinstating the enormous amount of charge which are fraud back to our credit card accounts - i do n't ' know what to do i cant ' pay back what was n't ours in the the amount of XXXX????
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Bank account or service

Had free checking and free savings accounts with direct deposit. With bank of America. First of last year changed policy to apply monthly fee. Letter I was sent said I was not affected because had account before this occurred and would not be charged. After noticing checking account going down, I called to find out more. Customer service said it was a mistake and I thought it was good. Next XXXX savings account went down, so I checked them. Service charge, I had not noticed for XXXX months. {$12.00} each for the XXXX months ( XXXX ) that the bank would not refund, could only refund for last month only. So closed all accounts and went to another bank. I thought really bad business practices for the consumer, but big money for bank!
Product: Credit reporting, credit repair services, or other personal consumer reports

i was unable to finish course and had a XXXX XXXX school denied me the right to come back and finish course, therefore was left with the student loan they were going to investigate meanwhile they told me they would freez the account beacuse i had no income. now i see its on my credit report inaccurate and its affecting my livelihood. i would appriciate help with this matter has soon as possible. have this remove thanks
Product: Credit reporting or other personal consumer reports

I expect your immediate assistance in removing the fraudulent information from my credit file. This data should have already been removed as it resulted from fraud, yet it remains. Under FCRA Section 605, you are required to eliminate any inaccurate records, and Ive already provided supporting documentation in a previous letter, which I am including again. Ive informed my attorney, who is prepared to hold you accountable for your ongoing failure to comply with this obligation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, who is submitting this CFPB complaint, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

XXXX XXXX XXXX XXXX and Sunrise Debt Collection services has been trying to collect {$930.00} from me without providing a validation letter of debt. I had asked for this letter months ago and still no letter.
Product: Credit card

Hello. I have been a customer of Chase since XXXX when they bought my account from Washington Mutual. After much research and my previous history with Chase Bank, I signed up for the XXXX XXXX XXXX in XXXX of XXXX. The offer on their website states ( and still does to this day ) 1 offer for this particular credit card. Spend {$3000.00} within the first 3 months of account opening and you qualify for XXXX bonus points. There are ways to earn above the XXXX as well. Chase only gave me XXXX points and no explanation as to why I did not receive the remaining XXXX. When I queried this ( several times ), I was told my application was for XXXX points after spending {$3000.00} within the first 3 months of account opening. I have asked several times, via social media, secure message and by phone, to show me proof of an offer that exists ( or existed ) for XXXX points. It does not make sense to have XXXX offers where you need to spend {$3000.00} dollars to achieve either XXXX or XXXX points. I have met the requirements of receiving the XXXX point offer. I was told that by several phone conversations, but no one can show me where the XXXX point offer exists or where my application shows I applied for that offer. I would like to be awarded the remaining XXXX points I am entitled to, since I met all requirements necessary to receive them.