23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

In XXXX Chase Auto Loans reported to all three credit bureaus that they had charged off a loan with me and the loan now carried a zero balance. It remained so for 5 years, until in XXXX I disputed the validity of the chargeoff still being on my credit report because the original chargeoff date was actually in XXXX. In retaliation they changed the status of the loan to REPO/CHARGEOFF with a balance of {$15000.00}, which is more than was ever owed at the close of the loan. 

The loan had a protection clause ( which I paid extra for ) which was an insurance of sorts that ensured in the event I was involved in an accident that caused me to lose my employment the loan would be " paid in full ''. While I filed numerous papers with both Chase and the dealership ( XXXX XXXX ) to ensure this protection was invoked, Chase and I in the end came to the agreement that I would return the vehicle to them and they would charge off the remaining balance of the loan. This is why in XXXX the balance was charged off to a zero balance. However, the loan agreement actually came to anend in XXXX when I turned the vehicle back over to Chase. This is why I disputed the entry still being on my credit report in XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

After carefully reviewing my Transunion credit report there were several unauthorized inquiries being reported. All inquiries took place on XX/XX/2022 and are listed as follows : XXXX XXXX, XXXX, 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

I had a credit card account with my credit union ( XXXX XXXX XXXX XXXX ) opened in XXXX which they transferred to another lender as of XX/XX/XXXX ( XXXX XXXX - Cardmember Services ) .XXXX Card services is misreporting the date account was opened, date account was closed, payment history and date of original delinquency. Based on original date of delinquency this should be out of the statute of limitations for reporting in my state at the end of XX/XX/XXXX. I have disputed with all three bureaus and repeatedly disputed directly with XXXX XXXX - Cardmember Services. I provided copies of several months of statements to support my position, copies of correspondence, and copies of FTC opinion letters to get them to correct the entries on XXXX, XXXX, and Experian. I have received multiple responses claiming my request was frivolous or in error and that they will not correct this matter. I am including the statements, correspondence, and other supporting documentation showing original delinquency XXXX from the original creditor ( statements ). 

I was told that I had to create separate complaints for each bureau the information is being reported to incorrectly. I had my previous complaint assigned to XXXX. This complaint is specific for information reported to Experian on behalf of this matter of XXXX XXXX.
Product: Credit card

Citi Bank Credit Card took an " Unauthorized '' payment out of my bank account from past credit information they had on file. On XXXX/XXXX/2015 I made a payment of {$170.00}, and again on XXXX/XXXX/2015 Citi Bank took it again. I contacted Citi and they gave me several " Run-Arounds '' and various numbers to contact. I submitted several fax messaged to their " Payment Investigations Dept. '' @ XXXX with a cost of {$1.00} per fax sheet incurred upon me. I also have {$140.00} in overdrafts with my bank. Citi submitted {$100.00} of the {$140.00}, but there is still an outstanding {$36.00} overdraft they have not covered, and additional {$110.00} in XXXX Deposit ( s ) made into my account that my bank took to cover overdraft ( s ). So I am out {$150.00} total to date. I would like the {$150.00} refunded to me. I do n't wan the unauthorized {$170.00} back now because this has now drug out so long that we are into another month and I might as well just let them have that toward the account. Thank you. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO HOW ARE YOU, I AM FORGIVENESS FOR MY Desperate ANNOYMENT, BUT ALREADY CALLED ALL THESE COMPANIES TO REPORT THAT THE CONSULTATIONS IN MY CREDIT REPORT ARE INQUIRES FRAUDULENT, THE COMPANIES ASKED ME TO CALL THE CREDIT AGENCIES AND NOTIFY THIS PERIOD TO INFORM YOU THAT YOU CAN REMOVE THESE CONSULTATIONS FROM MY CREDIT REPORT AS THEY ARE FRAUDULENT CONSULTATIONS, IT IS NOT THE FIRST TIME I WRITTEN BY THIS MEDIA ALREADY HAVE BEEN TOO MANY CONSULTATIONS IN THE PAST, AND HELPED ME TO REMOVE THESE CONSULTATIONS PLEASE HELP ME ELIMINATE THE INQUIRES AND UPDATE MY CREDIT INFORMATION
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

There was a data breach amongst credit bureaus that my information was leaked. I believe my credit information has been compromised and not accurate throughout all bureaus. I need my history fixed asap.
Product: Checking or savings account

On XX/XX/2023, I got a regular email from Chase letting me know that I had a new statement for my checking account. I have had this Chase account for over XXXX years ; I get this email each month, log in, and save a copy of the statement. 

This time, when I logged into Chase, they would not show me any of my accounts. Chase presented a page with XXXX links ( include a XXXX page legal agreement ) and an 'I agree ' button. I could not access any of my accounts, transfer money, view statements, etc. unless I agreed to these new documents I was surprised with. 

Buried inside the XXXX page legal agreement is a binding arbitration clause with vague instructions to opt out. It took me XXXX minutes digging through Chase 's site to find the place to opt out. 

I need access to my bank account, and it was held XXXX by Chase.
Product: Student loan

I currently have XXXX outstanding private loans that originated from my time at XXXX. I have applied for the school misconduct discharge but was denied. I felt that I was preyed upon by XXXX at the time I enrolled and incurred a large amount of debt. XXXX is XXXX of the schools have have been found guilty during a class action lawsuit for using predatory means to acquire students. XXXX of those students was me, being a first generation higher XXXX student. These loans have been a huge financial burden for me and my family. I am currently in a XXXX XXXX XXXX due to my financial situation. I also have a filing with the department of education for misconduct on my federally held loans as well. I would like my application to be reconsidered and given a reason of why I was denied in my first application.
Product: Credit reporting or other personal consumer reports

This is to follow up in regards of my ongoing concern and dissatisfaction with the numerous attempts to correct the reporting of late open account on my credit report, which is maintained by three Credit Bureaus. Despite my concerted efforts to rectify this issue, the late open account persist, adversely affecting my creditworthiness. The late open account in question still appeared on my credit file and it have been inaccurately reported as opened late. I have undertaken several steps to address this issue : I have submitted disputes through your bureau, providing detailed explanations and supporting documentation to contest the inaccurate reporting of this late open account. I have communicated directly with the creditors associated with this account, seeking their cooperation in correcting the reported opening dates. Unfortunately, these efforts have not yielded the desired outcome. Kindly help me correct this account immediately : XXXX XXXX XXXX Balance : {$29000.00}.
Product: Credit reporting or other personal consumer reports

As of XX/XX/XXXX, XXXX has agreed to the terms and conditions of my letters sent on dates XX/XX/year>, XX/XX/year>, XX/XX/year>. Self-financial/Lead bank is now hereby required to delete its Self-financial/Lead bank tradeline off my consumer credit file as agreed. Self-financial/Lead bank failure to produce the documentation required pursuant to 15 U.S. Code 1692g ( b ) puts Self-financial/Lead bank in XXXX. And releases me from all liability. The account that's being reported By Self-financial/Lead bank is inaccurate, Delete the account immediately. This is a NOTICE AND CONFIRMATION OF ERRORS pursuant to 15 U.S.C. 1681s-2 ( a ) ( XXXX ) ( a ) XXXX information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. 15 U.S.C. 1681s-2 ( a ) ( XXXX ) ( b ) Reporting information after NOTICE AND CONFIRMATION OF ERRORS. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX has violated my rights. Or 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 card or prepaid card

In XXXX of XXXX, I was approved for a Discover Card. The bill was maintained until XXXX of XXXX. Discover has reported to all 3 credit agencies that a payment was made in XXXX of XXXX in a effort to restart the debt clock which is illegal. I have disputed this with all 3 credit agencies multiple times. Each time Discover has maintained there was a payment made in XX/XX/XXXX yet can't provide the information. So they can't produce the payments for XXXX, XXXX, or XXXX so they reset the debt clock. Each credit agency has requested Discover show proof of a payment being made however they have no proof. According to the Consumer Credit Act falsifying or placing inaccurate information on credit reports is illegal and the company can be held responsible. The account is 7 years old. The account was open 7 years ago. To keep the account on my credit record they are reporting wrong dates, wrong year of payments, and giving inaccurate information. I am formally requesting for Discover to produce the final payment made on the account. If it's a scan document or scanned bill with the last payment I am asking for it. In addition besides my contacting all 3 credit agencies, I wrote a letter asking them to produce the last payment made. Discover ignored the letter and proceeded to add more derogatory information. If the account is closed and charged off at this point the statute of limitations has passed. For them to illegally state a payment was made when it wasn't is illegal. If they can't produce any payments being made in XXXX to the Consumer Protective Agency I want the inaccurate information removed and the credit report corrected. For the record, I made NO payments in XXXX to this account. I need Discover to produce the payment. If the payment was made it should be no problem.
Product: Vehicle loan or lease

In XX/XX/XXXX, I leased a XXXX XXXX for my daughter. All payments were made on time. I received the paperwork for the end of lease along with the amount I needed to pay for the residual and the sales tax. I sent my check to them along with the requested paperwork on XX/XX/XXXX and they cashed my check on XX/XX/XXXX. To date I have not received a title. Many phone calls resulted in being told everything is in order and I would get the title soon. On XX/XX/XXXX I was told the title would be mailed on XX/XX/XXXX. Still no title. On XX/XX/XXXX, I called again and was told they would have to order a duplicate title from the state of Kansas. Today, I called the Kansas Department of Motor Vehicles in XXXX, KS and was told that JP Morgan Chase ( dba XXXX XXXX ) had never send a " release of Lien '' document, so no title had been issued. In Kansas, the title is electronic for a lease or lien and is only issued after the lease is ended or the lien is paid off.
There is no good reason, save for incompetence, why I have not received the title to the car I have fully paid for. A very nice lady, XXXX XXXX, said she would help me on XX/XX/XXXX. To date she has not called me back nor does she answer her phone messages. What do I have to do to get the title for the car?
Product: Credit card or prepaid card

Regrettably, I have been unable to confirm vital information from Amex about my cardholder agreement. My understanding is that it states that Amex will pay for mediation over a claim ( notice already sent to their GC ) in the event I file mediation via XXXX or XXXX. Unfortunately, I could not confirm this during my chat this afternoon with an Amex employee. The agreement language seems to read pretty clearly, but considering the massive volume of CFPB and XXXX complaints against Amex as well as my own interaction dealing with their complaint department, I'm seeking certainty. I'm attaching both the chat transcript and the pertinent agreement language. Can you assist me in having Amex confirm that they either will or won't pay for mediation, as they refuse to comment on their own card agreement? Thank you very kindly for any assistance!
Product: Credit reporting or other personal consumer reports

Charge offs on my report arent mine and have the wrong personal information associated with them.
Product: Money transfer, virtual currency, or money service

I had {$18000.00} in XXXX XXXX Celsius, but they blocked my access to my money because they are having insolvency/liquidity issues. 

XXXX XXXX the CEO of Celsius has released several misleading and inaccurate statement regarding the solvency and safety of storing money with Celsius.
Product: Credit card or prepaid card

I have applied for a bussiness credit card at CITIZENS BANK and the manager  started telling me that I need to upload three bank statements and first bank statements are very delicate personal information and I have a contract with vendors and my clients I cant disclose any of those bank statements. I have sent tax return to the bank that shows enough income and verification attached I sent as well XXXX and state registration of the corporation. I have asked what other ways I could comply with requirents when in disclousures for that credit card it doesnt disclose that bank statemts are needed. Now when I sent the bank that they are doing discrimination to me because they are offering less favorable terms for me to make it imposible to get the credit card. I need a response in 15 days or I will legally take them to court for discriminating my bussiness since there is not disclousures that says that for that exact credit card I need any documents specially when by law under XXXX loan or credit card should be applied without documents..
Product: Payday loan, title loan, personal loan, or advance loan

I took out a loan with ACIMA # XXXX for XXXX I now owe XXXX on I was never told about the high interest they were charging for Lease to own, their practices were deceptive and misleading the financing of lease was very high which I could not keep up with the payments I asked if I could return after delivery and they said no I had already taken delivery, I was misrepresented by the terms of their agreement. ACIMA violated CFPB and FCRA They also violated the TRUTH and LENDING ACT
Product: Credit reporting or other personal consumer reports

This company added fraudulent information on my credit report. They sent a letter to my a relative home that I never lived and I requested documentation to have them prove of this account to me and they never sent anything back to me but added this to my credit report and I sent documentation to them way ahead of time and they never responded but added this to my Experian credit report. These people are unethical. This account isnt mines and thats why they are doing this to me. I called the company too and they received my response
Product: Debt collection

Roughly one-third of the way past the first of each month, I consistently receive a text message between approximately XXXX XXXX XXXX XXXX XXXX. from XXXX XXXX ( XXXX ) telling me that owe them money for a credit card. These text messages rudely awaken me, disturbing my sleep and have adversely affected my XXXX.
Product: Debt collection

This kind of account is placed as a collection account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is, in fact, wrong, please make sure to reverseit to zero or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Product: Money transfer, virtual currency, or money service

I have a condo for rent and this person contact me on the XXXX of XX/XX/2021 online saying that his company is going to pay for his staying with check come from XXXX and XXXX XXXX and I deposited in my account its been clear for three days Funds in my account with Bank Of America, on the second day after I recived the check he asked me to refound the extra to his agent traveler becouse his company mistakingly send me the extra $ which was about half of the check and thats when I XXXX  it to his email address on the XXXX of XXXX, the check bounced in my account, I cantact BOA and I explain the suspicious of scam that im in. They replied they will ask the person to refund me the XXXX transactions that I made, they going to ask the Scamer to refund the money ( what a joke ) respond from my bank, when is the counter fake check why they made the funds available for 3 days in my account?? Whenever legiment checks are stayed over 10 days to be clear in my account. They are part of the problem Note : I have the scammer name, email & address Thank you for looking in to this
Product: Credit card

Regarding Case # XXXX Laptop, cell phone, and wallet were stolen from a local college library. As a result, there are '4 ' fraudulent charges on the credit cards in my wallet at the time of this breach ( accounts and charges are outlined in this affi davit ). Additionally, credit card accounts have been hacked and the address changed to one I have no association with ( XXXX XXXX XXXX, XXXX XXXX, MI XXXX ). Lastly, I reviewed my XXXX credit report and found the fraudulent address listed in addition to XXXX ' unauthorized inquiries ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). As a result of the unauthorized activity, I locked and placed a fraud alert with each credit bureau on XX/XX/2023. 

I am attaching the following documentation to this complaint : 1 ) Police Report ( Complaint # XXXX ) XXXX ) FTC Identity Theft Affidavit ( FTC Report XXXX XXXX ) XXXX ) XXXX  Invoice showing a different name ( XXXX XXXX XXXX XXXX XXXX and address XXXX ) Signed letter from the person who authorized the charge without my knowledge and an acknowledgement that I personally received no benefit as a result of this transaction Additionally, I have asked multiple representatives for instructions on asserting Claims and Defenses and I have not received the information I explicitly asked for. Federal law ( 15 US Code 1666, 1666i, and 1640 ( e ) and in 12 Code of Federal Regulations 226.12 ( c ) and 226.13 govern the regulations for Claims and Defenses. As a result, the unauthorized charge of {$1100.00} is now listed on my XXXX credit report and will become a delinquent account if no action is taken. 

Lastly, I have contacted the Connecticut Attorney General 's office ( XXXX ) and plan on filing an official complaint if this matter is not resolved in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting an unknown and erroneous medial debt account, listed XXXX XXXX XXXX, {$530.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX