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

I recently learned how my identity was stolen. In XXXX I filed a medical malpractice law sue. I went through my court documents and found a copy of my credit report the attorney pulled. My birthday have been changed to XXXX/XXXX/XXXX. ( XXXX/XXXX/XXXX ) is my date of birth. My former employers have been changed. XXXX I worked for XXXX XXXX. XXXX I worked for XXXX XXXX XXXX XXXX.
XX/XX/XXXX- XXXX XXXX-XXXX  XXXX XXXX and XXXX. I purchased my home at XXXX XXXX XXXX on XXXX/XXXX/XXXX. In XXXX I lived at 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 allowed someone to make copies of my math papers with my signature and my XXXX XXXX child power of attorney from XXXX when began receiving social security benefits. The bank allowed a Breach of Contract to take place. The bank allowed money from the department of labor to pay a series of mtgs with XXXX XXXX XXXX. The FBI told me it was an inside job. The Attorney General told me about the Power of Attorney stolen from me home with my signature. There is property in XXXX XXXX XXXX lives there. It was sold to a company called XXXX XXXX. The XXXX Family is using our XXXX father social security number. Secret Service also notified of fraud, embezzlement, abuse of His Housing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have complained to XXXX XXXX and Experian, for the last 6 months,, the last letter attached was submitted on XX/XX/2023 and I never got a response to my final letter The account above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 an 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I noticed a collections record on my Experian credit report and immediately took action to notify Experian of the incorrect information. However, the online reporting system that I was guided to use does not work. Please remove following record from my Experian credit report : Report # XXXX, Account name : XXXX XXXX XXXX XXXX, Account number : XXXX, Account type : Collection, Responsibility : Individual, Date opened : XX/XX/XXXX, Status : Collection account. {$520.00} past due as of XX/XX/XXXX, Status updated : XX/XX/XXXX, Balance : {$520.00}, Balance updated : XX/XX/XXXX, Recent payment : -, Monthly payment : -, Original balance : {$520.00}, Highest balance : -, Terms : 1 Months, On record until : XX/XX/XXXX. In addition to this request, I have reached out to the creditor to validate the debt but they have failed to do so and I have not heard anything back from them.
Product: Debt collection

This company has never sent me any information in regards to any debt, the only reason i ever noticed it is because it showed up on my credit report. I have attempted to contact them and request a debt verification letter. they refused on the phone call. This directly violates the F.C.R.A. This company also refuses to verify any information when i contact them and try to resolve this issue.
Product: Credit card

I bought tattoo numbing cream online on XX/XX/XXXX and was sent counterfeit product claiming to be the real brand. I made a dispute with bank of america on the same date. I even sent them and linked them the website for the brand that was counterfeit and the REAL website too. They denied my claim because Bank of America couldnt get a reply from the merchant. Thats not my fault. I opened a claim AGAIN a month later. Denied for the same reason. 

I have called BOA multiple times since this for months now. Each time, I spend two hours on the phone, getting transferred to 5-7 different people until one hangs up on me and i have to start over. I have not been able to get this sorted. I have contacted the merchant multiple times as well. 

On XX/XX/XXXX the merchant sent me an email saying my order was refunded. I checked my account and it was not. I called bank of america again, got transferred around again, was told they cant make a new claim or reopen the old one. All my messages regarding this on bank of americas site have mysteriously vanished from my account. 

I have pictures AND links to prove what i was sent was counterfeit and they still wont reimburse me. I have attached pictures of the product I was sent. I have attached pictures of emails from the counterfit site with them writing down the wrong dates despite my inbox listing the correct one. I have attached pictures of my BOA inbox where the bank deleted all evidence and messages of my claims. I have even attached pictures of what the real brand looks like, what they actually have written, and what the fake one does. I attached the counterfeit site and the real one. The real one doesnt even sell the green cream online!!! Bank of America is disgusting.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is reporting to my credit report on a account that i have proven wasn't minds and all the information they have is incorrect regarding my personal information. I have reached out to the company many times and done disputes over and over proven my information and they still refused to delete off my credit report. The report amount of {$3700.00} for staying in a college apartment is not mines I have never stayed or went to a college in XXXX XXXX, La. The application was completely done online and was automatic signed with my name. No photo ID was given or proof that it was myself doing the application or staying in the apartment. I have asked for credit verification on the debt and proof of everything and they have failed to prove that the information was mines. My license number is wrong my bday is wrong this is the 6th time i have prove my information is all incorrect.
Product: Debt collection

I have an entry on my XXXX credit report ( which I have just disputed ) for an old XXXX card, that I settled with a previous debt collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate, misleading, unlawful, and unknown things on my credit report. Its been well over 60 days and I have not received any feedback regarding the serious matters in my letter. I feel that Im being treated very unfairly, taken advantage of, and ignored. We all understand that an investigation was supposed to be completed within 30 days and its been WAY more than 30 days. The accounts that I disputed in my letters have more than just one thing wrong with them. The disputed accounts have many things wrong with them, and we all understand every account that appears on my credit report must be reported A HUNDRED PERCENT ACCURATE, TRUE AND WITH MY PERMISSION. Every account I disputed in my letter have MANY problems and I DEMAND EACH ACCOUNT IS DELETED/REMOVED from my credit report NOW! Please remove these accounts from my credit report or Ill be forced to seek litigation and justice through the proper channels due to the immense stress you caused me and people close to me. My personal information was also impacted by the XXXX data breach and may have got a hold of by the wrong person.
Product: Student loan

I filed bankrupcy in XXXX and it was finalized in XXXX but I wasn't allowed to claim my student loans at that time. I do not understand why because I filed on all my other debt.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 U.S.C. 1692C YOU HAVE VIOLATED MY RIGHTS BY UNLAWFUL COMMUNICATIONS TO THE CREDIT BUREAUS AFTER " CEASE AND DESIST '' LETTERS WERE MAILED TO XXXX, XXXX, AND XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX WFBNA CARD XXXX XXXX  WELLS FARGO AUTO XX/XX/XXXX {XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Subject : Complaint Against Chase Bank for Unfair Account Closure and Offer Non-Payment Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against JPMorgan Chase Bank , N.A . ( Chase Bank ) regarding an unfair and deceptive business practice involving the abrupt closure of my account to avoid paying a promotional deposit. 

On XX/XX/XXXX, I opened a checking and savings account with Chase Bank as part of a promotional offer that promised a {$900.00} bonus upon meeting certain qualifying criteria. The first requirement would be met upon a deposit of {$500.00} which was quickly met and I received {$300.00}. The remaining {$600.00} would be earned after 90 days if requirements are met, which was to hold a deposit of {$15000.00} in the Chase savings account. On XX/XX/XXXX, I received a text message and email from Chase Bank informing me that my accounts would be closed as of XX/XX/XXXX- which is one day before the requirements would be complete. I called the bank customer service to understand why but no one was able to explain why. There were no regular activities on my account. I was not given any valid reason for the closure, and I believe this action was taken in bad faith to avoid honoring the promotional commitment. 

This practice is misleading and unfair to consumers who act in good faith by fulfilling the terms of an advertised offer. It also raises concerns about Chase Bank 's transparency and commitment to fair banking practices. I believe this warrants investigation and appropriate corrective action. 

I request that the CFPB investigate this matter and take appropriate steps to ensure Chase Bank honors its promotional offers and ceases any unfair account closure practices. Additionally, I seek a resolution that includes the immediate reinstatement of my account or the issuance of the promised promotional bonus. 

Thank you for your time and assistance in addressing this matter. Please keep me informed of any updates regarding my complaint.
Product: Vehicle loan or lease

This is a follow up to case # XXXX. I was not able to respond to Hyundai 's " response '' prior to it being closed. I turned in my leased Hyundai on XX/XX/XXXX. In XX/XX/XXXX I received a bill from Hyundai for {$630.00}. I was aware of the {$400.00} disposition fee which was clearly disclosed in my signed lease agreement. I paid it on XX/XX/XXXX. I called and spoke with XXXX at Hyundai who informed me that the extra XXXX was for damages to the vehicle. I vehemently disagreed, there were NO damages to the vehicle ... NONE. He proceeded to tell me that they had photos to prove it, and described it as `` road rash '' on the right front bumper. I had at least one other conversation with people at Hyundai where they were very insistent that the fee was for these claimed damages. As a matter of principle, I chose to dispute this. Now, imagine my surprise when the in response to my last complaint, Hyundai themselves admit that the fee was NOT for damages ... .but rather for an early lease turn in. Make up your mind Hyundai!! I called XXXX XXXX several months prior to turning in the vehicle to find out about turning in early and was clearly told that I could turn the car back in as early as 120 days as long as all my payments were satisfied. I paid all of the contracted 36 payments on time, in fact ahead of time. No one at the dealership mentioned that I might be turning in early. So, Hyundai ( since they ca n't prove damages - because they were n't any ) now  conveniently has come up with another reason for this fee. In the meantime they have reported the {$230.00} as " late payments '' and essentially tanked my credit score. Case of big business harassing the little guy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the referenced accounts above on XX/XX/2019. The response XX/XX/2019 on CFPB website consumerfinance.gov and the credit report of XX/XX/2019 credit report shows these items were deleted from my credit file. Now these items have been reinserted on my credit report.
Product: Debt collection

The collection agency received a debt from my college that was supposed to be paid by financial aid. I called this morning. Without verifying my information ( other than my name ), the collector gave me the information, and then was very verbally abusive, rude, and even threatened to end the call. She refused to send me information stating that she would delete from my credit report even though she advised that she would over the phone. I advised her that she had been calling a number that was similar to my mothers number, but not hers. ( I have had the same number for 13 years ) she advised that I should have updated the information with the school. I tried to explain that I already had my degree and that I did n't know I needed to update the information. I never expressed a problem paying just wanted to have proof that what she said would happen would happen before I paid and that I had record since correspondence and calls were apparently going to the wrong place. She was very hostile. She refused to let me talk to someone else. she threatened to hang up in my face. She told me that she could email me if I paid when I asked for something while on the phone she started yelling at me for my address. I tried to redirect a few times to calm the call and she continued abusing me and threatening to hang up because I was not going to have it my way. I advised her that I was a bill collector and she advised me that I should know the fdcpa or something of that sort. Her name was XXXX and we spoke today at between XXXX and XXXX am today. I tried to explain that this was supposed to be paid by financial aid.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX I 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 XXXXXXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX XXXX XXXX XXXX : {$5500.00} XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5500.00} XXXX XXXX XXXX  Balance {$640.00} XXXX  XXXX XXXX  Balance {$2600.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$5500.00} XXXX XXXX XXXX Balance {$640.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several credit accounts open on my report that I did not authorize including a loan that is now in collections or default. My identity was compromised and I have filed a police report, reached out to the companies and the credit bureaus and still nothing has been done. I am a single parent and these derogatory remarks are keeping me and my daughter from getting a home. These acounts include two 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. There has also been attempts to get new credit and there are hard inquiries on my account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX There are unknown address on my reports as well as name misspellings that need fixing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I C System is reporting false information on my credit report. Not my account ; I have asked for proof that we have done business, and I haven't received anything back. It's been over 6 months.
Product: Student loan

I have a loan from Navient for XXXX school that I have been paying back. I was over due on my payments and tried to make a partial payment on Navient website but it would n't let me make a partial payment under what they wanted which was {$1000.00}. I was forced to put my loan into forbearance again. This keeps happening with them and they have not offered any kind of plan with lower interest rates for me to pay them back.
Product: Credit reporting or other personal consumer reports

XXXX XXXX acct number XXXX I disputed this account on XXXX different occasions. 
XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX The first dispute was for the account never actually being investigated after it was verified. The last reported date reflects XXXX of XXXX which is well before my dispute dates. If the account was actually verified the last reported date would be updated. 

Next dispute was for XXXX date last Active being reporting differently on each bureau. 
XX/XX/XXXX on XXXX XX/XX/XXXX on experian XX/XX/XXXX on XXXX. Each should be reporting the same. 
Next dispute was for the payment history continuance after the account was closed. There should be no payment history after an account is closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again., XXXX XXXXXXXX XXXX XXXX Balance - ; XXXX XXXX XXXXXXXX Balance {$1000.00} ; XXXXXXXX XXXX XXXXXXXX Balance {$4100.00} ; XXXX XXXXXXXX Balance - ; XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance {$800.00} ; XXXX XXXX ( Original creditor : XXXX ) XXXX Balance - XXXX XXXX XXXX XXXX XXXXXXXX Balance {$3300.00} ; XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$3600.00} ; XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX XXXX to shop. Knew what I wanted had my card to pay for it. XXXX XXXX worker said you can apply for a XXXX XXXX card. I said no Thanks I don't want a hard inquiry on my credit report. He said no it is not a hard inquiry. We do a soft pull. I said no thanks. He said it is only a soft pull. his mother was a soft pull. His sister was a soft pull. He got a card it was a soft pull on him. So on and so on. A sales person from the XXXX XXXX  came in and explained to all of them. Let the customers know it's a soft pull. I am still saying no, no no no. I don't want a card. This just stressed me out until I gave in. I am 62 years I simply couldn't take any more. I had been there for hours. Now I am disputing a hard inquiry on my Experian Credit Report. I want this hard inquiry deleted from my credit report. Experian Credit Report ... XXXX XXXX  XXXX XXXX XXXX XXXX, XX/XX/2020. 
XXXX XXXX
Product: Checking or savings account

Chase bank at XXXX XXXX XXXX XXXX wouldnt cash my check and placed a 15 day hold on my account when I needed the money most during the holidays and didnt give me a reason for the hold had me bring all sorts of documents to prove I was the person the check was appointed to
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

They say I got a loan I never recieved
Product: Credit reporting, credit repair services, or other personal consumer reports

New Issue Experian has not yet suppressed the negative XXXX  account listed after now receiving the third police report XXXX now from detective XXXX XXXX from the XXXX XXXX police department. XXXX sent a letter stating the information has been suppressed to the credit bureaus yet Experian is the only credit bureau still reporting this information. You are required by law to suppress accounts that have fraudulent activities and a valid police report is sent to you all.