23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I filed a complaint against XXXX XXXX XXXX XXXX XXXX due to a transaction for a real estate coaching that I requested. The company did not comply with the contract and took XXXX from me. I have been trying to get my money back by contacting American Express which was the bank that I used to pay XXXX to XXXX XXXX. American Express told me that they can't help me because of their policy, i feel this is unfair when other people in my situation are getting their money back. Please I need some assistance I'm a XXXX Veteran and this situation has contributed to my condition. 


I know people who submitted their complaints here and got their money back.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to seek your urgent assistance regarding several unauthorized hard inquiries on my credit file that have severely impeded my ability to achieve financial equity. Despite numerous attempts to rectify this issue with the credit bureaus, these hard inquiries remain on my record, causing significant harm to my financial standing. 

I would like to bring to your attention the following points : Unauthorized Hard Inquiries : The hard inquiries on my credit file were neither authorized nor ever consented to by me. I am a victim of identity theft, and my personal information was compromised during the XXXX breach. As a result, fraudulent activities have been conducted using my identity. 

Failure of Credit Bureaus : Despite providing substantial evidence and following due process, the credit bureaus have failed to remove these unauthorized inquiries from my credit file. This negligence has resulted in ongoing financial difficulties for me. 

XXXX Documentation : Enclosed with this email, you will find documentation from XXXX confirming that these inquiries should have been removed. However, these unauthorized inquiries still appear on my credit report, indicating a failure to follow through on their part. 

Merchant Routing Back to Credit Bureaus : When I contacted the merchants responsible for these inquiries, I was repeatedly routed back to the credit bureaus. This cycle of deflection has left me without a clear resolution and continues to impact my financial health negatively. 

Thank you for your attention to this critical matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX
Product: Credit card

I opened my first capital one credit card back in XXXX when I was released from XXXX XXXX XXXX XXXX XXXX XXXX. This was my ONLY charge, and had and have continued to not any other legal issues. I was approved for this initial card and with making on-time payments, I actually received a credit increase. I later applied and was approved for two other credit cards. 

From these cards, Ive had one late payment and no other issues. As of XX/XX/XXXX of XXXX, Capital One conveyed to me that they decided to cancel my credit cards because of my ONE XXXX past. I was completely taken aback because I was a loyal customer and they knew my XXXXXXXX past when I applied for the initial credit cards. 
I am a college educated, as well as a professional with a salary of over {$60000.00} a year. I strongly feel this was XXXX motivated as I have read different accounts of other XXXX here in the south from different states experiencing the same situation. So I am contacting you I will also contact the XXXX in the Federal Trade Commission. 

This is completely unfair and I will fight this to any and every avenue humanly possible!
Product: Credit card

Take note of the attached documents. I urge the bureau to start an investigation into these accounts where I am never overdue, despite them being reported inaccurately.
Product: Credit reporting, credit repair services, 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 has violated my rights. 

XXXX 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: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion displays innacurrate employer on credit. I do not work for XXXX  XXXX, I work far XXXX.
Product: Credit reporting or other personal consumer reports

**Consumer Name : ** XXXX XXXX **Consumer Social Security Number : ** XXXX **Consumer Date of Birth : ** XX/XX/XXXX **Contents of Complaint : ** To Equifax, This is an uncompromising CFPB complaint demanding urgent and immediate action. Under the strict and non-negotiable provisions of FCRA 605B ( 15 U.S.C. 1681c-2 ), Equifax is ordered to block and remove the fraudulent information on my credit report within an inflexible deadline of XXXX business days upon receipt of this complaint. 

The fraudulent accounts, which must be eradicated without hesitation, are : XXXX XXXX  on XXXX, XXXX account number XXXXXXXX XXXX XXXX account opened on XXXX, XXXX account number XXXX, and a XXXX  XXXX account opened on XXXX, XXXX account number XXXX. 

These fraudulent accounts have resulted in unauthorized hard inquiries and false collections tarnishing my XXXX credit report. I emphatically reject any insinuations that I authorized these accounts, emphasizing that they are irrefutable evidence of identity theft and fraud. 

Enclosed is the FTC Identity Theft Criminal Complaint ( # XXXX ), undisputed documentation from the U.S. Federal Trade Commission proving the fraudulent nature of these accounts, collections, and inquiries. 

Failure to act with immediate and decisive force to block and obliterate this fictitious information from my credit report will not be tolerated. Should Equifax fail to respond within the stated time frame, be prepared for relentless and aggressive legal action to enforce my rights under the FCRA. 

This is a final directive, not a request.
Product: Checking or savings account

Someone keeps scamming money out of my business account and Chase keeps saying nothing they can do about it
Product: Credit reporting, credit repair services, or other personal consumer reports

My solar company ruined my credit rating by stating that I had late payments. I have every statement from them which states You are currently enrolled in autopay and this invoice is for your information only. I disputed this with experian but was told that The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Despite the fact I sent a photo of the invoice in question.
Product: Payday loan

I have a loan on my credit report for XXXX which I never applied for. I have contacted the company & credit bureau several times to dispute this debt. I have never received any documentation in the mail with my signatures to validate this debt.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation of my credit report and found several items on the report that were inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of Report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general, if after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 


Please remove the following items from my credit report, immediately : XXXX XXXX XXXX : This account is being reported inaccurately, please remove it from my account. 

XXXX XXXX This account is being reported inaccurately, please remove it from my account. 

Great State This account is being reported inaccurately, please remove it from my account. 

XXXX  XXXX This account is being reported inaccurately, please remove it from my account.
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 : XXXX : Account XXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX : Account NumbeXXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name XXXX XXXX  : Account Number:XXXX  Account Name XXXX XXXX XXXX : Account XXXX Account Name : XXXXXXXX XXXX : Account NumberXXXX Account Name : XXXX : Account XXXX XXXX XXXX XXXX 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

On XX/XX/2023, I opened a credit card as a promotional offer for new purchases at 0 % interest in conjunction with purchasing a timeshare interest through XXXX XXXX. The American Express card being offer was co-branded with XXXX. After the intial " purchase '' balance was set ( $ XXXX on XX/XX/2023 ), there was a subsequent {$250.00} charge on XX/XX/2023 for the annual membership fee. There was billing for a minimum payment being due each month - charged in the amount of {$840.00}. It wasn't clear based on the promotional materials that any minimum monthly charge would be required, but I paid it to avoid any negative consequences. It was also surprising on the first bill that there was a {$5.00} interest charge despite the promotion indicating there was no interest to be charged. Since the amount seemed small and I was very busy at the time, I paid the interest. 

For the second statement in XXXX, the interest charge was {$5.00}. I then called American Express to inquire why there was interest when their promotional materials ( and the contract ) indicated zero interest for this. The representative told me they were charging interest for the annual membership fee. I asked how we could avoid this going forward and they indicated that by advancing a payment of {$250.00} this would clear all future interest charges. I questioned whether interest could be charged on fee, but since the amount was minimal, again, I paid the total of {$250.00} plus the {$570.00} monthly payment. 

For the third statement in XX/XX/2023 another interest charge appeared, this one being {$5.00}. I called and launched a dispute. The customer service representative couldn't help me, only informed me that I should follow up with them and mentioned that their systems were not able to separately track payment down of specific balances so there was a possibility that these interest charges would continue to appear for the life of the account until I pay it off. In XXXX I paid the {$810.00} payment and noticed a new interest charge for {$6.00}. They reversed this charge. But they also increased my total outstanding principal balance. 

I question the accounting on this entire credit account, am fearful they are charging illegal interest on fees and that this entire promotional offer program wasn't rolled out with the proper underlying technology to manage the accounting. 

It might only be {$23.00} in interest for 2023 charged on my account, but if there was a review of this program across their entire customer base, I wouldn't be surprised if these amounts were much larger in the aggregate. AMEX seemed unwilling to really address the issue.
Product: Debt collection

A review of all 3 Credit reports ( XXXX, XXXX  & XXXX ), on XX/XX/XXXX -- resulted in my finding LVNV reporting an alleged debt with all 3 consumer reporting agencies. This alleged debt was duplicate reported as a XXXX XXXX debt as well as an LVNV debt. 

At this time I forwarded XXXX XXXX a Notice for conditional Acceptance upon Verification with all the reported Account information, alleged debt amount and name of alleged borrower. On XX/XX/XXXX, AND XX/XX/XXXX ( enclosed ), XXXX XXXX responded that they have no records of any alleged account. 

Between XXXX of XXXX to present I have sent Notices ( all enclosed ) of Verification/ Notice & Demand for Full Disclosure/ Notice for Adequate Assurance of Due Performance/ Notice for Holder in Due Course, to LVNV and  they have failed to respond. All the while continually reporting this fraudulent debt to all consumer agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted dispute on to Sallie Mae Bank which they received via certified mail. It is well over 30 days I have received no response.
Product: Debt collection

Affidavit of Truth This is a notice to all that I, XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXXSC XXXX, swear and affirm the following facts. I invoke my specialized remedy as a consumer under Federal Law 15 USC 1692 of the Fair Debt Collections Practicing Act. As a Federally protected Consumer my privacy has been willfully violated ( 15 USC 1692a ). Portfolio Recovery Associates is willfully attempting to collect a debt that has not been authenticated nor verified by me the Consumer. No sworn testimony has been submitted that proves that this alleged debt is true and not subterfuge. Further I have never given permission for Portfolio Recovery Associates to have access to my personal information, nor contact me, 15 USC 1692c ( A ). This is my final attempt at correcting this matter. Again, I demand that all attempts to collect a debt be ceased! I demand that this alleged debt be erased from all Credit Reporting Agencies as it relates to my name. I demand that an apology be mailed to me, and that remedies be paid for the violations listed below, 15 USC 1692k. Exhibit # 1 : 1 ) 15 USC 1692b ( 5 ). 2 ) 15 USC 1692c ( B ). 3 ) 15 USC 1692e ( 2-A ). 4 ) 15 USC 1692g. 5 ) 15 USC 1692a. 6 ) 15 USC 1692e ( 5 ). 7 ) 15 USC 1692b ( 2 ). Exhibit # 2 : 1 ) 15 USC 1692b ( 5 ). 2 ) 15 USC 1692c ( B ). 3 ) 15 USC 1692c ( B ). 4 ) 15 USC 1692c ( A ). 5 ) 15 USC 1692b ( 2 ). Exhibit # 3 : 1 ) 15 USC 1692b ( 5 ) ..
Product: Credit reporting, credit repair services, or other personal consumer reports

Spoke to XXXX in the Fraud department who stated in short that they did not accept the police report I sent because the case number was invalid ( I disagree ), The police report has an official case # and the name of the investigator and her supervisor. Per her request I have picked up a copy from XXXX. This account occurred in XX/XX/XXXX. I never signed a contract with OneMain. She stated that they mailed me several letters that I never received. This could be due to the fact that I moved in XX/XX/XXXX. My current address is attached in this report. I'm asking your help to resolve this matter quickly
Product: Credit reporting or other personal consumer reports

In the quiet XXXX of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX Account # : XXXX - XXXX XXXX || Account # : XXXX - XXXX FCU XXXX Account # : XXXX
Product: Credit card or prepaid card

I made a balance transfer from a SECURED credit card ( XXXX XXXX ) of XXXX dollars. I thought it would be a way to get it payed off taking advantage 0 % interest for a year offer. I went into the branch in XXXX XXXX. The gentleman who assisted me assured me this was a very smart decision I had made. I was paying XXXX annually in interest on my secured XXXX and had reached the limit so it was negatively affecting my credit. 
I do n't have any previous experience with balance transfers, nor do I have any expertise with credit cards, which is why I went to the professionals at chase bank. I was barley establishing my credit transitioning from a secured to an unsecured credit card. I chose to visit Chase bank. I trusted them, even kowing their interest rates, fees and fines are steep. I was willing to pay for good quality service and a expert at getting what I needed done. 
The bank man did a balance transfer from a secured ( I had initially used my money and made a XXXX deposit ) XXXX to a unsecured XXXX. My first statement was XXXX/XXXX and now I owe two banks around XXXX. This went on for four months. I 'm paying XXXX XXXX, but not Chase. My credit score plummets. I called Chase and spoke to several different departments, but nobody could understand what I was trying to explain. I just gave up because the last woman I spoke to was so rude. She made me wonder if it was n't a mistake of mine somehow. No. Not my mistake. Within two weeks I got a strange check from a unheard of branch of Chase for the full exact amount of the original transfer. I also got my account closed with both banks, a worse credit score than I started with and I still owe Chase bank XXXX. 

Unavoided any interest XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under XXXX  U.S. Code XXXX ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

XXXX U.S. Code XXXX ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the further of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report. Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2024 there is an unauthorized withdraw for XXXX XXXX  in chase bank account. 
on the withdraw slip the signature is not match with my signature in recorded.
Product: Credit reporting or other personal consumer reports

I have a lot of inquiries that I am not of aware of, nor do they have my consent to run my credit as well I want to fix this immediately so I can better my life and my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed that this company had begun and continues to incorrectly report an account as derogatory and 30 days late exactly one year from settlement. I called this company multiple times since XXXX to correct the issue at which point they acknowledged there was something incorrect on the report and advised me it would be fixed and updated. At this point the reporting continues to be done incorrectly and no attempts to correct the inaccurate information from them to my reports have been made. I have spoken to several people including the credit department itself of this company but they are not correcting the information on my report. They initially never explained either the differences in the accounts they use nor do they inform you that when opening services with them that they open three accounts for you instead of one.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  violated the following 15 U.S. Code 1681 ( $ ) -2 late payment during a panic.

The CARES Act prevents lenders from reporting late payments to credit reporting companies during the COVID-19 crisis.

Under the amended FCRA, if a " furnisher '' makes an accommodation because you were affected by COVID-19 during the covered period ( see below ), that furnisher must report your account as current to the credit reporting agencies, so long as you weren't already delinquent on payments.

XXXX XXXX XXXX XXXX XXXX Protections Under the Coronavirus Delete lates payment from credit reported Within 30 days of this notice.