23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I closed and paid off my American Express XXXX XXXX XXXX in XX/XX/XXXX. There was a credit balance of {$24.00} that was due back to me because of an overpayment. As of today XX/XX/XXXX I have not received a refund. One has been requested twice both by phone and online using the American Express XXXX application.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that Experian was reporting wrong information on my credit report. I sent them a letter, which was delivered to an individual at the address at XXXX on XX/XX/2021. On the green return receipt they state that they have received it on XX/XX/2021. I have stated in the letter to remove this information because I did not authorize them to report on this alleged account without my consent, which was a total breach of my privacy pursuant to 15 USC 6821a. I also am aware of my Federally Protected rights as a consumer and a natural person. I am aware that pursuant to 15 USC 1681a ( 2 ) ( B ) that " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' should be excluded from a consumer report. I am aware that I am the natural person and consumer in fact which extended the credit via my credit card also known as my Social Security Card. Pursuant to Federal Law, credit reporting agencies have 30 days to respond, and I have still not received any correspondence from their agency. This is a clear violation of the FCRA and I intend to reserve my rights.
Product: Bank account or service

I bank with Chase bank. I deposited a check, Chase claimed the check came back NSF, therefore did not credit me the funds and charged me a return check fee. The check was given to me by a family member so I validated whether this was accurate or not, upon speaking to my family member I was told she was sure the funds were there before the check was written and were still there at this point. I told her to call her bank, she did and informed me her bank said they never received the check. I called Chase and the agent kept claiming that per their records the check was NSF and returned, it is worth noting the agent had a bad attitude and was rude. I wound up 3 way calling the bank ( XXXX, so technically not a bank ) and had the agent at XXXX XXXX inform the agent from Chase that they never received the check. The agent from Chase apologized and reversed the returned check fee. While this is an appropriate reaction, I want to know why I deposited a check, Chase bank did not present the check to the maker 's bank and then claimed they did and it came back NSF, when had they presented the check it would have cleared because the funds where there ( I even saw this evidenced ). As an XXXX I can say this is a very serious operational failure.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter in regards to inaccurate unknown information on my credit report that was not furnished with my written consent as a consumer per 15 USC 1681b subsection C ( Fair Credit Reporting Act / FCRA ). As of now its been almost 60 days and still not heard a thing about my investigation. I feel like im being taken advantage, my disputes are being ignored, and they are violating my rights as a consumer. In 611 ( a ) of FCRA it clearly states that failure to investigate these items within 30 days is reason to remove them immediately from my credit report. Its now been almost double that time at 60 days so they should be removed immediately. Im shocked how my rights as the consumer are being violated and im being ignored when asking for fair correction, I demand these accounts be deleted asap for all the stress it has caused me.
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 XXXX Account Number : XXXX Account Name : XXXX 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  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX IN Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XX/XX/year>XXXX 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 or other personal consumer reports

Im working on fixing my credit and I tried many times contacting Transunion credit agency online and over the phone to no avail. The phone number ( XXXX ) XXXX asks if over XXXX to enter a digit, I did and wants to sell me a medical product. It does not give me an option to speak to a representative and it doesnt say anything about credit issues. I created an account online twice entering my ss number and personal data and it does not recognize my information and does not allow me to login. It tells me the system does not recognize my information. I am monitoring my accounts through XXXX XXXX. There are two incorrect status on two creditors only on my Transunion credit report. One of them is the balance amount should be XXXX. The other creditor shows three accounts when its only one account. Trans Union is not professional. They should not be monitoring anything financial if they dont have their systems together and functioning. Also. its the lowest credit score out of the three agencies. XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian for their failure to comply with the Fair Credit Reporting Act ( FCRA ) in their handling of my credit report. 

The specific issues are related to two accounts : XXXX ( Account XXXX XXXX XXXX ) and XXXX XXXX XXXX XXXX ( Account XXXX XXXX XXXX ). Experian has repeatedly verified inaccurate information on these accounts, despite my disputes and requests for a thorough investigation. 

XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX This account shows multiple charge-offs, which is factually impossible and misleading. This indicates a failure in Experian 's investigation process, causing me undue financial harm. 
XXXX Account XXXX XXXXXXXX : This account is inaccurately reported as both " Paid in settlement '' and as a " Charge-off, '' which is contradictory. This suggests a lack of proper review and verification by Experian. 
Despite my repeated attempts to resolve these issues directly with Experian, they have failed to provide adequate responses or rectify the inaccuracies. This not only violates the FCRA but also significantly impacts my financial standing and creditworthiness. 

I request the CFPB 's intervention to ensure a proper and fair resolution. Experian must be held accountable for their actions, and I seek the removal of these inaccuracies from my credit report.
Product: Checking or savings account

US Bank refused to refund the remaining balance of a closed account. They stated a check for the balance would be sent within 15 days of the account being closed which was XX/XX/XXXX. I have contacted the local branch and customer service multiple times without resolution. I was informed no check was ever issued and US Bank is continuing to withhold my balance of over {$4000.00}. This account was closed over 2 months ago and US Bank refuses to return my remaining balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the collections twice with Transunion and both times they have verified the account as accurate. The issue is I was never aware of this debt nor I was contacted via mail or phone with an attempt to collect a debt. Also, this is a pure violation of their law. Please see below On XX/XX/2022, the national credit reporting companies voluntarily announced that they would no longer report certain additional XXXX XXXX ( XXXX XXXX XXXX XXXX ). Specifically, the companies announced that starting on XX/XX/2022, the time before unpaid XXXX XXXX can appear on a consumers report will be increased from 180 days to one year, and paid XXXX XXXX will no longer appear on consumer reports at all. 
https : //www.consumerfinance.gov/data-research/research-reports/paid-and-low-balance-medical-collections-on-consumer-credit-reports/ I keep disputing it as this is a violation of the law that started on XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the accuracy of the information on my credit report. According to my credit report, I have several negative items on my credit history that I believe to be inaccurate. 

Firstly, the charge off account with XXXX XXXX ( XXXX ) is not accurate. While I did have an account with them in the past, I was never informed that it was going to be charged off. Furthermore, I was not given any notification of the balance that was owed on the account. 

Secondly, the charge off account with XXXX XXXX ( XXXX ) is also incorrect. I do not have any recollection of ever having an account with them. 

Thirdly, the charge off account with XXXXXXXX XXXX XXXX ( XXXX ) is not accurate. I had paid off this account in full, and yet it still shows up as a charge off on my credit report. 

Fourthly, the charge off account with XXXX XXXX ( XXXX ) is also incorrect. I have no recollection of ever having an account with them. 

Lastly, the collection accounts with XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX ( XXXX ) are not accurate. I have never received any notice from either of these companies regarding any unpaid bills. 

I believe that these errors have violated my rights under FCRA, FDCPA, FACTA, TILA, RESPA, ECOA, and FCBA. I demand that the inaccuracies be removed from my credit report immediately. 

I look forward to your prompt response and resolution to this matter. 

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

Experian has violated several of my consumer rights. Specifically, they failed to validate a debt at my request within 30 days, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus, another FCRA violation. I certified mailed the documents to them which I was notified was received. Not only have they ignored my prior requests for validation of debt but they continue to report this debt to the credit bureaus causing damage to my character. ALL accounts are to be removed DURING investigation according to 15 U.S Code 1681I ( A ) ( 1.A ). By federal law these accounts are to be removed from my consumer report while a Full and Complete investigation is being done. However they have refused to do. Not only have they refused to do so when being notified by letter. but they also refused to do so several times on their recorded phone lines. I understand that companies who violate these laws are subject to fines. It has been longer than 30 days and they refuse to delete the accounts in accordance with federal law. All of the accounts I am disputing are also reporting inaccurate personal information where its my address, phone, number, name or etc. and they refuse to delete them. This is another violation that they are responsible for as well.
Product: Credit card or prepaid card

I was terminated by CapitalOne for as they have stipulated " profanities '' with their customer service representatives. The card was canceled, and all debt was paid. 

However, they have an ad on the Internet for " no credit check, '' and I applied for another card with CapitalOne. I was a CapitalOne customer for about 25 years before I was canceled, and I have/had excellent credit ratings. 

I had asked them to cancel my request for another card, as they indeed did check my credit scores ( which lowers the values ), had sent emails to CapitalOne about several issues, tried calling them ( I wasn't a member, so I could not get through most of the time ), and eventually conceded to accepting the decision for the new card. I was approved, and after at least a month, received the card. In my emails and calls I made, I brought up the concern that CapitalOne has declined in it's customer service, and virality, such as by offering a card based and lying about the credit check. 

I recently canceled my card, as I was frustrated with more run arounds from customer service. 

Two days ago, I received these letters from CapitalOne. This is adding insult to injury I my opinion. I don't owe them a penny, never charged the new card, and find this very disturbing.
Product: Checking or savings account

I reached out to Capital One via XXXX and their toll free number back in XX/XX/2022. My accounts were acquired from ING Direct. All my accounts were set to XXXX XXXX ( taking out the XXXX and last day of the month ) since that was the option I had set when with ING. I had to change my external checking account so to my dismay XXXX XXXX option was not a Capital One option. I tried explaining that the system did it because it was transferred in that way, so there should a way to recreate this without setting up manual transfers. I just gave up but decided that this should be addressed. Furthermore, my accounts from ING are only get 0.30 % and the Capital One account is paining a much higher rate. I was told that I would have to close all my existing saving accounts to get the higher rate. I reached out again in XX/XX/2022 and they told me the same thing that they can not manually adjust the interest rate or offer the Semi Monthly option. My issue is that if you acquire accounts, I am now a customer and should get the same rates as your other accounts. They are offering the ING Direct accounts that they acquired a lower rate than their existing customers. I feel that this is very dishonest and I should get the interest rate that was applicable at the date of transfer.
Product: Checking or savings account

I deposited a cashiers check my cousin had made out to me for funds he owed me during the pandemic and for some reason a few days after it was XXXX Bank of America blocked my account without any explanation. Now I know Bank of America is into their highly illegal business practices of using frozen assets to make money off of but do that to illegal funds not hard earned funds. Ive been without my money for XXXX months and I have bills to pay. This is ridiculous and they refuse to give me any explanation other than the account is under review. This is unfair and unjust and I feel a level of some sort of prejudice towards people of color on Bank of Americas part as another friend is going through this same issue and they keep failing to provide any reasoning towards this issue. This is an issue I think needs to be looked into at this institution and thats the level of prejudice they have against minorities and people of color with the freezing of their money and assets whenever they feel like it.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I paid off the balance with XXXX and sent in all the paperwork stating that it was paid off. They sent the balance to a different company TruAccord who has also been paid off in full. I paid this balance in XXXX and have been trying to get them to get this off my credit or confirm that I have paid. The confirm that I paid but refuse to do they part. Its has been 6 months and they are paid but will not report such. Please if you can help me with this. Im in the process of buying a home but this is holding we up.
Product: Debt collection

$ XXXXXXXX XXXX  never had service with this company - fraudulent account
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has placed several accounts on my consumer report without my consent and violated my rights. This has been a major problem and has caused me problems and distress. I have sent in certified letters and asked to provide information with any original documents bearing my signature. I contacted the creditor along with the credit bureau and asked for that information and nothing was sent to me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit reporting act XXXX Account # XXXX, XXXX, has violated my rights. 

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 State a consumer reporting agency can not furnish a account without my written instructions.
Product: Money transfer, virtual currency, or money service

So I have a coinbase account and one day I recieved a email saying my way to open my account thru a picture was approved, I found that odd because I never asked for a XXXXXXXX XXXX XXXX to be approved. So I contacted coinbase and told them that I thought my account was hacked, so they told me that they were temporarily freezing my account and some one would be getting back to me in 5-7 days, I thought ok that sounds fine considering that I have over {$5000.00} in my account, well that was over two months ago, you can not reach them by phone, I have emailed over a dozen times and every time I get the exact same email back saying they are reviewing my account and someone will get backto me in 5-7 days, this is outrageous, they have stole my money and I would like it back, please help XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Fl, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has been charging me {$24.00} since at least XX/XX/2021. I think they got my credit card number through a free credit monitoring trial that they extended after my data was involved in a data breach. I have tried to cancel the recurring charge with Transunion multiple times over the past year, but they claim to have no record of me. I've provided my name, address, email address, and social security number, and yet they still can't cancel this charge. My only solution at the moment is to dispute the charge every single month and hope that my bank continues to refund me.
Product: Mortgage

XX/XX/XXXX @ XXXX XXXX.- I received a telephone call from XXXX XXXX Celink XXXX XXXX ) stating " Your loan is currently in default because we advanced {$1.00} to the XXXX County Tax Office for ( your ) XXXX taxes ''. 

XXXX further stated a 30-day care letter was sent to me dated XX/XX/XXXX by regular mail. I am not in receipt of this letter. 

XX/XX/XXXX @ XXXX XXXX. - Retrieved from my mailbox a letter from Celink dated XX/XX/XXXX indicating " You may have received recent correspondence from us as it relates to your tax and/or insurance obligations on your reverse mortgage. '' " Unfortunately, we recently had to advance funds on your behalf to pay for delinquent taxes and/or insurance on your home and your loan is now considered to be in " Tax/Insurance Default '' status ''. " The current amount that needs to be repaid in order to cure this default is {$1.00}. Signed : XXXX XXXX. 

When I asked why a phone call was not made advising me of the {$1.00} balance, XXXX replied ... '' Celink don't call ''. 

A subsequent phone call to the XXXX County Tax office revealed that a tax balance of {$1.00} was indeed present at one time. However, tax balances of {$10.00} and under are not pursued. Upon request, received an email copy of my XXXX tax bill. Balance = {$0.00}.
Product: Credit reporting or other personal consumer reports

I filed a dispute with Experian because they had my XXXX XXXX account number displayed in plain text, ie the account number was NOT MASKED! All other account numbers are and have always been masked. The sent me a message showing the dispute was settled by showing me the account number was now masked but NO explanation of why it was not previously masked or how long it had been in the database unmasked! Of course I would not be the only person effected by this, it would be all XXXX XXXX customers because this would have to be a coding issue. If their database is hacked like so many are these days they have ALL of my information, names, addresses, phone number, date of birth, social, etc. Everything a hacker would need to steal my identity. This is can not be excused! I have no ability to refuse the credit bureau my personal information so their disregard for security is inexcusable. It is a joke that this company is trying to sell people identity theft protection!
Product: Credit reporting or other personal consumer reports

Upon checking my credit report this morning, I was shocked to see an unauthorized inquiry that I can not explain. It was not there before, and refreshing the browser didnt help resolve what I initially thought might be a glitch. I insist that you carefully examine the documents Ive sent to address this matter once and for all.
Product: Debt collection

NCS has failed to provide me with a dunning notice prior to inserting inaccurate negative information on all XXXX credit bureaus without notice and the only I found out was by VIA credit monitoring service. So when I finally realized I filed a dispute and also contacted NCS and original creditor XXXX to no avail, even though they were in violation FCRA and the Fair Debt Collection Practices they refused to acknowledge any wrongdoings.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you regarding discrepancies i have found on my credit report. I am disputing the following accounts on my credit report with Experian, I have circled the items I dispute on the attached copy of my report. 

XXXX XXXX XXXX XXXXXXXX account # XXXX XXXX. XXXX XXXX XXXX account # XXXX XXXX. XXXX XXXXXXXX account # XXXX I am requesting that the items be removed immediately as those accounts is not mine. 
Enclosed are copies of my Social Security card, Driver 's License, Most recent Credit card statement, prove of address etc. 
please investigate this matter and delete the disputed items as soon as possible. 
thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 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. 

I DID NOT GIVE CONSENT OR INSTRUCTIONS, for XXXX  XXXX # XXXX or consumer reporting agencys to put late payments on my consumer report, without my knowledge or instruction. 


DELETE or REMOVE, or update the account to never late/ paid on time! Immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that are UNKNOWN to me. Ive already included this in my previous Complaint & I am including it again.,