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

I am existing customer with XXXX XXXX XXXX. I called and asked if they could give me 0 % balance transfer from a XXXX XXXX. They said I would need to apply for a new card. I did and was approved for Card # 2 for {$5000.00}. I called a week later to give them the account I wanted to pat off ( XXXX ). Then then told me they could waive the 3 % fee if I got yet another card ( # 3 ) They said they would blend the 2 new cards into one. Today, I received a notice that I was denied credit on Card # 3, my credit score was lowered 30  points, and if I had a problem I should contact Experian. Experian only has automated calls with 2 options : get a report or get a score. I called XXXX back and have been sent through 4 people. One told me I shouldnt have opened cards # 2 and # 3, which they  recommended. 
I want my credit restored.
Product: Checking or savings account

On Friday XXXX at XXXX, I deposited XXXX cash to the citibank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The machine took the money, but wasn't credited. The branch says it's not their problem, and citi XXXX number says its the branches ' problem. So it looks like they've gotten away with stealing {$900.00}
Product: Credit card or prepaid card

I applied for a XXXX card in XX/XX/2022. I was approved for a card but the cards was never sent. Ive been trying the call my account rep XXXX XXXX but shes not answer phone calls Ive left messages and emails but never got a response back from her. When I called the main company line to speed with a different rep they always refer me back to XXXX. In XX/XX/2022 I filled out an second application. They have ran my credit but I still didnt get a response. Also I have verified ALL of the information that was required of the company
Product: Debt collection

I stated to a rep that the account dated XX/XX/XXXX for the amount of {$310.00} did not belong to me.The rep stated to I that he will have his supervisor remove these false information from my credit report.I checked my report XX/XX/XXXX and still see incorrect information being reported. As stated 15 U.S.C. 1681 any false information must be removed immediately
Product: Credit reporting or other personal consumer reports

I paid my car off and was never late on my account. I contacted XXXX XXXX XXXX, they reviewed my account and concluded that it was paid off with a XXXX balance and no lates payments recorded. I contacted Trans Union several times to update. XXXX XXXX XXXX XXXX finally sent me a letter confirming the update. They asked me to send a copy to Trans Union to update to reflect the correct reporting. I ask that Trans Union update my credit report to reflect accurate information
Product: Credit card or prepaid card

I was charged with a payment of {$740.00} by XXXX  XXXX  for a XXXX XXXX Promo Purchase on XX/XX/18. 

As soon as I noticed the charge I called in and spoke with a customer service representative for about 40 minutes. They said that the purchase was made at a XXXX XXXX store but never verified which store this was. That was odd to me but XXXX made it clear that they would work to fix the issue of fraud by the end of the long conversation. 

I called in to XXXX  in XXXX to receive an update on my case because I hadnt once received any literature about the current status of my complaint. They said that they were working on it and that the store had up to 90 days to respond. 

I sent an almost duplicate message via the online portal of XXXX XXXX  in XXXX and the response was the same. 

I checked my account today and I see that now the provisional credit was taken off and I have been officially charged. 

When I called into the bank today, they said that they verified that the charge was valid because the store sent them a copy of the receipt with my signature on it. I thought this was again interesting and I again asked what was the store, they said I would have to speak with people from the dispute team. I asked to be forwarded to them and they said that wasnt possible and that the dispute team doesnt talk to clients directly. This was infuriating to me that someone would tell me that a fraudulent charge was valid but still not be able to AT MINIMUM tell me where the purchase was made. 

An account supervisor was put on the phone after the rude service representative couldnt tell me why this was valid and essentially had the same attitude. But weirdly enough, now the account exec said that the purchase was made online. I asked if made online then what address was it received at. I also asked, how could I make an online purchase and then have a signature to compare it to. Neither questions were answered and she was rude and dismissive as well. 

Safe to say that XXXX XXXX has not given me, a customer of 3 years a decent amount of respective, courtesy or compassion when dealing with this manner that clearly doesnt make sense but is attempting to make me continue to pay for it financially and through overall credit availability. This is discussing and I dont think I want to deal with a company that values their customers in this manner.
Product: Prepaid card

XX/XX/year> I received a email from PayPal stating my account was negative XXXX. I contacted them immediately. They told me that I had a few open disputes against me. My ex fiancee had sent me money the pay towards my XXXX XXXX credit card account that he was on that he had used. He disputed the charges with his bank saying they were fraud. I opened up and investigation with PayPal and sent them copies on the credit card accounts that had his name in them. And screenshots of the text between me and my ex with him saying he willingly sent me the money and that he did not dispute it with his bank. It took them 5 months to rule I was at fault and I had to pay them the XXXX back. If I didn't the threatened to send it to collections. I was paying what I could and that wasn't good enough. They did end up sending it to collections. I have been paying the collections so they won't report it to my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently looked at my credit report and found that the credit bureau consistently reports accounts with inaccurate information. The Fair Credit Reporting Act has clearly been violated in this case. I've already spoken with them about this matter, but I haven't heard back from them to this point. Please correct this immediately. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX LENDERS XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX BANK NA XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

Under the Laws of Commerce, An Unrebutted Affidavit Stands as Truth. I have sent Wells Fargo an affidavit of truth on how they have violated me since then i have received the green return receipt further proving they have seen the affidavit and exhibits, pursuant to 15 USC 1602 ( p ), 1605 ( a ), 1635 ( a ), 1692e ( 2 ) ( a ). This was a consumer credit transaction which characterizes the transaction as one in which the party to whom credit is offered or EXTENDED is a NATURAL PERSON, and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes. Furthermore, the finance charge in connection with ANY consumer credit transaction shall be determined as the SUM OF ALL CHARGES. SUM means TOTAL. I have explained to XXXX XXXX that under 1605 the finance charge there shouldn't be any payments, annual fees or interest. This complaint is for further proof when asked by the courts if I tried to settle this matter outside of court.
Product: Debt collection

I sent a cease and desist letter. I have ask for an itemized statement of what they say I owe. No response and they keep harassing me. 
I have sent an invoice of the amount they owe me due to violations. They have sent numerous letters, emails, text messages, and phone calls using threatening language ( 15 USC 1681 ) that my account will be charged off etc. Because of their reporting they have also ruined my reputation by reporting to the credit bureau without my consent.
Product: Mortgage

On XX/XX/XXXX I filed a complaint to the CFPB regarding Chase Bank. I assumed the issue from XXXX was resolved but it is not. I filed Chapter XXXX Bankruptcy on XX/XX/XXXX and it was discharged successfully on XX/XX/XXXX. Back in XXXX I had an XX/XX/XXXX loan with XXXX XXXX  who then sold the loan to EMC/Chase. Chase Bank has owned my mortgage for many years and in the Chapter XXXX Bankruptcy my second mortgage the was supposed to be dropped but unfortunately it has not. 

In XXXX Chase Bank put me in a 20 year 3.5 % balloon payment loan when we settled out of court back in XXXX to get me out of the terrible negative amortization loan I was once in. I knew that the 3.5 % interest balloon payment loan is not something I want to be in long term so I applied to refinance my loan into a 30 year fixed principle and interest and also use a Home Equity Line of Credit from the appraised value of my home. My Credit Score is a XXXX, I work as a XXXX/XXXX and everything I applied for was in my favor until the underwriters found out that Chase bank has never released the deed of trust of my second mortgage of {$57000.00} to XXXX County which should have been dropped at discharge of my chapter XXXX bankruptcy in XX/XX/XXXX. Therefore, Chase Bank has figured out another way to hinder my lifestyle and financial opportunities by not doing what they were obligated to in my Ch. XXXX Bankruptcy. 

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

On XX/XX/2022, I mailed a certified letter to the XXXX XXXX Court XXXX XXXX of Michigan. In my letter I requested that they provide me with the process and/or procedure they follow to verify records regarding bankruptcies, and if they supplied the information to the credit bureaus. I received a letter response from the Bankruptcy Court stating, they do not report individual bankruptcy case filing data to credit reporting agencies, nor do they update information directly to the credit bureaus. '' With that being said ; how did the credit bureaus verify the bankruptcy? According to the 15 USC 1681, my rights have been continuously violated : 15 USC 1681 ( a ) ( e ) : The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

15 USC 1681 ( a ) ( 4 ) : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

15 USC 1681b ( a ) ( 2 ) : In accordance with the written instructions of the consumer to whom it relates.

15 USC 1681s-2 ( a ) ( 1 ) ( A ) : A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Capital, One claims to have resent an affidavit, in which case, nothing received to date. Affidavit is regarding check in amount of {$4200.00}. Their rep, XXXX, claims they can not recover funds due to length of time, in which case, this is their own error, failed to send affidavit when XXXX to their attention in XXXX, affidavit sent several years later, closed out in error, refused to reissue affidavit, has now decided to reissue .... Further, the rep claims any further attempt at recovering funds would have to be done with person who cashed check, in which case, person is nowhere to be found and not my responsibility to attempt to locate ... As stated, numerous times prior, the loss of funds is partly Capital One 's error, having stopped payment on initial check prematurely, did not allow sufficient time for check to receive, stopped payment on it after I had deposited it to my XXXX account, check then got returned back due to stop payment, second check reissued to my address while on vacation .... Check was intercepted by another party, cashed in my name, signature forged... When brought to Capital One 's attention, their rep, XXXX XXXX, failed to send affidavit, another error on end of Capital One .... If Capital One can not recover funds, it is party their own fault, as explained above. XXXX, XXXX, leaves a number to reach out, in which case, Capital One reps do not accept or return calls, as is evident from past experience...
Product: Debt collection

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. [ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  copy of my Identity Theft Report and proof of my identity. 

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or correct them immediately : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$200.00} XXXX XXXX XXXXXXXX XXXXXXXX XX/XX/2022 XXXX XXXX XXXX  XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

I would like to dispute off the following inaccurate accounts on my credit report listed below. 

XXXX : XXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX {$2700.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$7000.00} XX/XX/XXXX XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX  Account Number : XXXX {$5100.00} XX/XX/XXXX EXPERIAN : XXXXXXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXXXXXX Account Number : XXXX {$2700.00} XX/XX/XXXX XXXXXXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$7000.00} XX/XX/XXXXXXXX XXXX XXXX  Account Number : XXXX {$5100.00} XX/XX/XXXX XXXXXXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX : XXXX Account XXXX : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX {$2700.00} XX/XX/XXXX XXXXXXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$7000.00} XX/XX/XXXXXXXX XXXX XXXX  Account Number : XXXX {$5100.00} XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Debt collection

I am writing to dispute the collection account listed on my credit report. The account in question is, which is being reported by should be immediately removed and investigated. I have reason to believe that the reporting of this account violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681.

Firstly, I want to state that I have never given written consent to furnish my personal information or obtain my information from any source. As such, their reporting of this collection account is in violation of the FCRA. 

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

I recently looked at my credit report and noticed a few things weren't correct on my account. This account is hurting my ability to purchase a home. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify and confirm as accurate. 


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

After suffering an incident of identity theft, I placed a fraud alert on all XXXX credit reporting agencies and froze my XXXX XXXX file asking any potential creditors to call me to verify my identity before pulling my credit reports. However, XXXX XXXX XXXX did not call me to verify my information before running my credit, a violation of my rights as consumer. I have reached out to the reporting agencies several times to have the unauthorized inquiries removed from my credit reports. However, each time I was told they verified the inquiry. I have also attempted to speak to someone at XXXX XXXX XXXX to no avail as well. I never consented for anyone at XXXX XXXX XXXX to access my credit files nor was I contacted by XXXX XXXX XXXX to ensure they verified the identity of the person authorizing the inquiry. For these reasons, I respectfully request the inquires by XXXX XXXX XXXX be removed from all of my credit reports. Please see below for which inquires I am requesting to be removed : EQUIFAX:XXXXX.2016 and XXXXX.2016
Product: Credit reporting, credit repair services, or other personal consumer reports

I allegedly had A loan with A company by the name of XXXX  XXXX  in XX/XX/XXXX. I have submitted several disputes to all 3 credit bureaus to have this account removed as It was not my debt and I was A victim of identity theift. Aside from that it has been 7 years since the account was reported delinquent. According to XXXX they have the last activity date for the account as XX/XX/XXXX and Experian and XXXX  has --. I reached out to XXXX at XXXX  XXXX r and he provided the attached itemized statement below showing the account went into delinquent status on XX/XX/XXXX because their was no payment made. I spoke with XXXX at XXXX  XXXX branch number XXXX at XXXX  XXXX  who also informed me there was never A payment made on the account since it was open XX/XX/XXXX. He informed me the XX/XX/XXXX date that XXXX  has reported was the day the account was charged off as A bad debt. According to the three credit bureaus websites and law it states A charged off account should fall off after 7 years from the FIRST DATE OF MISSED OR LATE PAYMENT on the charged off account. According to world finance the account went delinquent on XX/XX/XXXX which mean As of XX/XX/XXXX this account should be removed from all 3 reports. I have submitted several disputes and have been unsuccessful with getting A response. It is A violation of my rights to continue to report inaccurate information. If needed the 3 credit bureaus should contact world finance to confirm the information provided in the dispute for clarity that this account was fraud and it has now been 7 years and should be removed completely from my report effective XX/XX/XXXX or you will be in violation of FDCPA laws!
Product: Payday loan, title loan, or personal loan

Complaint No : XXXX Lease No : XXXX Acima Credit is falsely presenting themselves as the original creditor in this leasing agreement and the debt is being incurred from XXXX XXXX XXXX. This is in response to the statement that Acima does not identify as the original " creditor '' or that " consumer credit transactions '' does not apply to them. Well the credit was extended to me so someone has to the be the original creditor in this agreement. I am pointing out XXXX XXXX XXXX as as the original creditor for this Acima leasing agreement because of the signature I see signed from the original lease agreement through a XXXX representative. Also because of the notion that Acima is saying consumer credit transactions don't apply to them and they are not the original creditor. I am filing a complaint to both companies for failing to disclose in the original leasing agreement that the debt is in fact incurring from XXXX XXXX XXXX  and using false pretenses to hide the fact XXXX XXXX XXXX  is the original creditor in this leasing agreement under the Acima name. ADDITIONALLY, I'd like to defer the federal violations from the previous complaint to Acima to XXXX XXXX XXXX as they are identified as the original creditor of this lease agreement. If I have reason to believe XXXX XXXX XXXX is in violation of several consumer credit protection laws under 15 U.S. Code Chapter 41. More specifically the laws listed under 15 U.S. Code 1605. In the original leasing agreement with Acima Credit ( or XXXX XXXX XXXX, the company states that there is a loan processing fee of {$20.00} for processing and preparing documents for the lease. This is in direct violation of 15 U.S. Code 1605 ( e ) ( 2 ) which states that, items exempted from computation of finance charge in extensions of credit secured by an interest in real property SHALL NOT include fees for preparation of loan-related documents. The {$20.00} charge from Acima ( or XXXX XXXX XXXX ) is evidence of this violation. Moreover, 15 U.S. Code 1605 ( f ) ( 1 ) ( A ) states that credit transactions not under an open-ended credit plan secured by real property shall not be treated as accurate if the amount disclosed in the finance charge varies by more than {$100.00} of the original finance charge. The cost of payment in the original leasing agreement shows that this varies by more than {$100.00} from the cost of the amount of credit that was extended to purchase the real property. This also violates 15 U.S. Code 1605 ( f ) ( 2 ) ( A ) which states that the amount disclosed as the finance charge should not vary from the actual finance charge by more than an amount equal to one-half of XXXX percent of the total amount of credit extended.
Product: Debt collection

CalledXX/XX/XXXXto see about a debt that is on my credit report told them to send me proof of debt the amount owed or anything representative stated no she will not. Asked if I can contact XXXX XXXX to get this information she stated it was sold to us we take care of it and no we will not send anything and I stated well I do t know if it's mine I'm not paying it ... representative them stated we'll don't pay it. If I can't get proof the debt is mine it needs to be removed from my credit report.