23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I went into a merchant 's store and ordered an advertised pair of name brand prescription eyeglasses. My credit card was charged on that day. The merchant fraudulently delivered generic ( not name brand ) eyeglasses which I returned. The merchant reordered the eyeglasses but the second pair that he delivered was not made to the prescription that I ordered. I returned the glasses together with a letter requesting a refund. Both the merchant and the credit card company refused to refund my money. I have sworn statements from XXXX eyewitnesses who observed the merchant personally accept the returned eyeglasses at his place of business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this request because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts that I disputed. They have gone past th e thirty day m arks to verify these accounts. under section 611 ( 5 ) ( a ) they are to promptly remove items that can not be verified. that I have disputed.         account name tax lien on Equifax in  XXXX   county  account number  XXXX  date filed   XXXX   account name collection with    XXXX   acct number  XXXX  account name.   XXXX   XXXX   account number  XXXX    XXXX   account number  XXXX  account name  XXXX    XXXX   XXXX   account name   XXXX   XXXX   account number  XXXX  all of these items are on my Equifax report and need to be removed immediatly
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy confidentiality under 15 USC 1681. 

Account name : XXXX  XXXX # XXXX, has violated my rights. 

I looked at my Equifax credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 furnisher of that information that the information has been modified or deleted from the file of the consumer. 

According to 15 USC 1681s-2 they are suppose to 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

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. 


FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # 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 card or prepaid card

I was issued a US Bank ReliaCard for PUA Unemployment in Pennsylvania. 

I had issue getting a credit for a merchant for merchandise I did not receive so I disputed the charge with ReliaCard. I provided ReliaCard all of my email communication with the merchant and was issued a temporary credit AND my account was frozen for fraud.

I subsequently provided ReliaCard with information about my identity on 3 occasions : XX/XX/XXXX uploaded my social security card and bank statement ; XX/XX/XXXX faxed my passport, social security card, and W2 after being told the upload was insufficient ; XX/XX/XXXX uploaded my driver 's license after receiving an automated call requesting that I do so. 

I called ReliaCard on XX/XX/XXXX and was told that there was a XX/XX/XXXX note on the account stating that the documents had been received ; however there was no note authorizing the activation of my account. The card specialist " transferred '' me to the fraud department and the call was disconnected. I followed up with an email. 

I received a text message on XXXX stating that my account was validated and ready for use. However, the online account remains restricted ( I can not transfer funds ) and I was unable to withdraw money from the ATM. 

I called ReliaCard on XXXX and was told that all of the documents had been received but the account was not updated properly. The specialist " transferred '' me to the research department and the call was disconnected. I followed up with an email. 

I have been unable to access my unemployment benefits since XXXX and seem to have no recourse. US Bank is improperly holding my funds under false pretenses.
Product: Checking or savings account

Please allow me to preface that I am legally a XXXX person ( per the State of Texas, and per the United States Federal Government, I am classified as legally XXXX ), so I'm often not feeling well. That, in turn, prevents me from reviewing and managing my finances as others would.

I called Chase Bank when I noticed an abundance of unauthorized charges on my debit card. We reviewed my bank account, and noticed charges that went

back for SEVERAL MONTHS! The associates were all so very nice, and said they wer
e able to remove all the unauthorized charges from my accounts - those  refunds were applied to my account XXXX 2020. 

... 

But then on XXXX, I found that Chase Bank had REVERSED DOZENS AND DOZENS OF unauthorized charges back to my account! 

That includes : 1. ) 1 charge from XXXX XXXX, in Pennsylvania ( I reside in Texas!!! ) Totalling {$3500.00} ; I did NOT authorize that charge! 
2. ) 46 ... FORTY-SIX!!! ... Various charges from XXXX ; those were NOT authorized purchases! OVER {$2000.00} of my money has been stolen from me using Apple.com. 

All of which were charged BACK to my account! NEARLY {$6000.00} of FRAUDULENT charges were CHARGED BACK to my account! 

I called Chase Bank, and they indicated that certain unauthorized charges were not applicable to refund. They could not provide a clear understanding as to why those charges were not applicable. So they charged ALL of them back to my account! 

Please assist in ensuring that my account is properly refunded for ALL the unauthorized charges that have reappeared on my account! 

Thank you in advance for your wonderful help!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/year> Subject : Request for Method of Verification Under FCRA Dear Sir/Madam, I recently disputed the accuracy of certain information on my credit report, and I have received your response. However, I am not satisfied with the outcome of the reinvestigation. Therefore, I am writing to request the method of verification for the following disputed item ( s ) : Disputed Item ( s ) : Account Name : XXXX XXXX  Account Number : XXXX Reason for Dispute : Multiple inaccuracies ( payment history, credit limit, date last active, and date of last payment. 

Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Reason for Dispute : Multiple inaccuracies ( payment history, credit limit, date last active, and date of last payment. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason for Dispute : Multiple inaccuracies ( payment history, credit limit, date last active, and date of last payment. 


Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 7 ), I have the right to request " a description of the procedure used to determine the accuracy and completeness of the information. '' Additionally, FCRA Section 607 ( b ) requires that credit reporting agencies " follow reasonable procedures to assure maximum possible accuracy of the information '' contained in consumer reports. 
Please provide the specific details on how the investigation was conducted, including : 1. The name, address, and telephone number of the person or entity that verified the information.

2. The method and sources used for verification.

I appreciate your prompt attention to this matter and look forward to your detailed response as required by law. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I observed an authorized several hard inquiries on my credit report listed below and have contacted the company via phone. I was informed that a dispute has to be done in order for the unauthorized inquiries to be removed form Transuion, XXXX and XXXX. The first hard inquiry observed was from XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX in XXXX XXXX, XXXX, XXXX on XX/XX/XXXX. In XXXX and XX/XX/XXXX and also two hard inquiries from XXXX XXXX and XXXX XXXX. Which I did not authorized. After recent research, data breach information that was compromised and also several security measures that was added on my credit reports for precaution after being a victim. This has made my credit score tremendously decrease and also was not authorized by me. A few years ago my email, where I was employed, my address and passwords/ PIN numbers I had used for apps and credit cards were compromised. Once learned I had placed a security feature on my credit report which can be verified by all 3 credit bureaus. This security feature only last for a few months and the request process has to be done all over again. I am requesting for these creditors/ hard inquiries to be permently removed from my credit report account and all unauthorized charges are dismissed. Attached below are the amounts and the creditor listed on my report. Also attached is proof of my email, address and certain passwords/ pins that were used for majority of my bank accounts.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act and Fair Credit Billing Act. The accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC Right to Privacy 6801 ( 1 ) In general. ( c ) subject to any provision of law, rule or regulation issued by a legislative or regulatory body of the State, including rules of professional conduct or ethics, that prohibits disclosure of nonpublic personal information without the knowing and expressed consent of the consumer. 15 USC 1601 ( a ) Credit Billing and Credit Card Practices ; 15 USC 1681, and 602 ( a ) ( 4 ) States there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 15 USC 1681a ( 2 ) ( A ) ( i ) States report containing information solely as to transactions or experiences between the consumer and the person making the report ; must be excluded. 15 USC 1681 604 ( a ) ( 2 ) States information about consumer can only be shared In accordance with the written instructions of the consumer to whom it relates. 15 USC 1681c ( a ) ( 5 ) States that no information and/or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years can be shared without expressed permission of consumer. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) States that 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. I XXXX XXXX formally hereby declare that I have not given my permission written and/or verbally, knowingly and/or willingly, expressed and/or implied, to any individual person, banking entity, business, company, creditor, credit reporting bureau, and/or any of its representatives, to share my transaction history, experiences, or any type of personal information. If I have unknowingly given my permission because I was not legally and properly informed by said individual person, banking entity, business, company, creditor, credit reporting bureau, and/or any of its representatives that my personal transaction experiences history and/or information would be shared, I hereby revoke any such permission in its entirety. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Summary : This is a complaint about the American Express golden card. I complain about two following things - 1 ) I didn't get the welcome bonus from American Express even though I already spend the required amount of money in the required timeframe ( {$4000.00} in 6 months ). This is a very severe problem that the bank record is not aligned with my personal spending record and they are not willing to share further detail. 

Here are the details : - The account started on XX/XX/XXXX. Based on the welcome bonus, if I spend {$4000.00} in 6 months, I am qualified to get XXXX points. 
- I tracked my spending ( see attachment ) and it clearly shows that I spent more than {$4000.00} from XX/XX/XXXX to XXXX, XXXX XXXX. 
- I also talked to customer service people 3 times. Each time they mentioned that they can also see I spent more than {$4000.00} on their end. However, the final decision is made by the " complaint team ''. Based on the investigation from the complaint team, I am not qualified, without any further reason. 

2 ) Bad service : I tried to resolve through customer service 3 times, each time the customer service people can see I spent more than {$4000.00}. But the investigation result from the " complaint team '' still tells me I'm not qualified. 
Also, on the last complaint, I filed on XX/XX/XXXX. They said the manager will call me back with a final response within 48 hours. After one full week until XX/XX/XXXX, I didn't hear back from anything.
Product: Vehicle loan or lease

Kia Motors Finance Acct No. XXXX. 11 months into the lease, vehicle was in accident and was totaled. XXXX XXXX provided coverage Claim No. XXXX. KiaMF sent me letter dated XX/XX/2018 that they would provide settlement amount directly to insurance. On XX/XX/2018 Kia advised XXXX the settlement amount would be {$17000.00}. XXXX XXXX. XXXX issued its check in that amount of XX/XX/2018 that was mailed to Kia and applied to the account. Ins. company, issued check for balance of claim to me. After confirming Kia had received payment, I and XXXX XXXX ( step-daughter ) used proceeds to lease a replacement Kia, also finance by KiaMF. KiaMF apparently reneged on settlement amount and decided it wanted more, refusing to release title to insurance company. By letter dated XX/XX/2018, KiaMF sent a demand letter false claiming that there was an insurance deficiency of {$1900.00} and Primary Insurance Deductible of {$560.00}, even though KiaMF knew the insurance proceeds had ben sufficient to fully pay the claim and that no deductible amount had been applied to reduce the amount of its check. I have written the company by email and had several telephone conferences, including a conference call with my adjuster that the claim had been fully paid. I assert that this claim has been compromised and settled. KiaMF decided to deal directly with my insurance company and exclude me from the settlement process. Because I was not notified that claim had been paid, an additional payment of {$190.00} was paid on XX/XX/2018, over an above settlement amount. When KiaMF stated a settlement amount that it was promptly paid the claim was compromised and settled in full. Subsequently, I clearly advised KiaMF that this balance due was disputed for the reasons stated above. KiaMF has placed negative credit information on both my credit report and that of my step-daughter. Supporting documents attached.
Product: Credit reporting or other personal consumer reports

Account Number : XXXX XXXX ( 2014 XXXX XXXX ) I am writing to dispute the inclusion of an auto loan on my credit report, account XXXX, which I believe violates my rights under the XXXX XXXX XXXX XXXX XXXX XXXX  My first question is when did you ever receive a written notice from me to you to collect information on me to place it on my consumer report? 

Under the XXXX XXXX, financial institutions are required to protect the privacy of consumers personal financial information. This includes developing and providing notice of their privacy policies to customers annually. Additionally, before disclosing any consumers personal financial information to an unaffiliated third party, the institution must provide notice and an opportunity for the consumer to " opt out '' from such disclosure. 

I have not received any notification of the privacy policies related to the auto loan account in question, nor have I been given an opportunity to opt-out of any disclosure. This lack of adherence to the XXXX XXXX constitutes a violation of my privacy rights. 

Furthermore, I would like to bring your attention to XXXX XXXX XXXX XXXX which outlines the responsibilities of those who furnish information to consumer reporting agencies. Any reporting that is not conducted with maximum possible accuracy, including the improper reporting of an auto loan, is a violation of this statute. 

I am deeply concerned that the inclusion of this auto loan on my credit report may be a result of inaccurate information or, worse, a form of discrimination. I request a thorough investigation into the matter, and if it Is found that any violations have occurred, I insist on the immediate removal of this erroneous information from my credit report. 

I appreciate your prompt attention to this matter and expect a thorough and fair investigation. Please provide written documentation of the results of your investigation and the actions taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe that someone's information has been included with my credit report as the address on my credit report has my current address and someone's address listed as in XXXX XXXX, Hawaii. My wife nor myself has ever lived in Hawaii. It has been years since I have been late with a payment on credit card or loans and yet my credit score is low. I believe this is a result of someone else has information listed on my report. I have tried to notify Experian and yet this has not changed. I would appreciate you help to resolve this issue. 
Thank you XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Lender reporting loan to Credit bureaus after multiple transfers, so XXXX loan shows as XXXX loans, which severely damages my credit score. 
Loans from XXXX XXXX show as : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX from XXXX XXXX XXXX show as : XXXX XXXX XXXX XXXX XXXX Most of my student loans are repeated multiple time as XXXX and XXXX XXXX XXXX XXXX. All Credit bureaus are not even all the same and this is ridiculous. I was in school until XXXX and all loans should have been in deferment, so there should have been no late or default prior to that, but there are. I also had multiple forbearances granted, so there should have never been a late payment recorded. I am currently XXXX and have been since XXXX, all federal loans were transferred to XXXX and were forgiven, yet still being reported by banks individually, so multiple reportings for the same debt. I will be attaching a copy of XXXX of my credit reports to show this problem. 
I attended XXXX University and XXXX XXXX XXXX XXXX XXXX in Illinois.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I filed an Online Dispute on Transunion website disputing an address that appears on my report that I have never lived at and have never used for any purposes. 

On XXXX Transunion sent me a notice stating that Dispute had been completed and the address was not removed and the the source of the address was not revealed to me. 

XXXX I sent letter to Transunion ( see attached copy ) demanding to get the source of how they verified the incorrect address. It is my understanding that Transunion had 15 days after receiving my letter to send me how they verified the address and the source of the address and they have not done that.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Bureau Transunion I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. XXXX XXXXXXXX XXXX. Account number, XXXX. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. As proof of my identity, I have included copies of my birth certificate, Social Security card, passport, and drivers license. I have also included a copy of my credit report with the account I am requesting to have verified. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. Sincerely, XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX, XXXX
Product: Vehicle loan or lease

I financed a vehicle through Premier Auto Credit and paid off the full loan. After requesting information regarding the title, I was informed by XXXX, the customer service agent, that I would be reimbursed. However, despite waiting XXXX weeks, I did not receive anything in the mail. When I called again, XXXX suggested I pick up the check but notify them in advance. I complied and provided all the requested documentation, even overpaying on the loan. However, they now refuse to reimburse me, citing a lack of proof of insurance. I submitted the required documentation to the indicated email address, but XXXX, the supervisor/manager, informed me that the email was no longer valid as it wasn't entered into their system, and the person associated with that email is no longer with the company. This should not be my responsibility as a customer, as they should have this information on file. Unfortunately, XXXX terminated the call abruptly, stating she couldn't assist me.