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

I contacted Experian in XXXX about incorrect personal information on my report. There were several mistyped names and addresses. I never received a response back and upon looking at my current report they chose to pick and choose what they took off. Under the FCRA they must take off any information that is incorrect. I called and informed a rep that I have never lived at any of the below addresses listed and that the names I have never been known as or legally been. She informed me tough luck they report what they want and if it's a debt owed they won't remove it. Well, it's inaccurate information which tells me the credit bureau isn't actually validating debt and just putting whatever it wants on it. 

These are INACCURATE names and addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, nc XXXX XXXX XXXX XXXXl XXXX, nc XXXX
Product: Checking or savings account

On XX/XX/XXXX I made a debit card transaction at XXXX 'XXXX  with my chase business debit card. I realized that it would cause my account to be overrated so I went to my wifes bank and withdrew {$100.00} cash. I then went to my local chase atm to deposit it. The cut off time in my city, XXXX XXXX, is XXXX and it was close to 8. I made the deposit and the atm sit back one of the {$20.00} Bill 's. Then after I reinserted it, chose my receipt option the atm saidfinalizing deposit for at least 30 seconds, then spit out my receipt which showed a positive balance of {$19.00}. Today, XX/XX/XXXX at XXXX I checked my account on the app. I saw 3 overdraft charges of {$34.00} each, and my cash deposit showing as pending. Looking closer the albertsons charge was charged an overdraft fee as well as a auto payment transaction of {$7.00} ( which they charged an overdraft fee on and another auto payment of {$23.00} ( which also incurred an overdraft fee ) so.i.called the business account service number and spoke to a representative who said my deposit was at XXXX and that deposits have to be before XXXX. I tried to argue that there was a delay in the atm finalizing and that they have always said previously 'by 8 ' which in my opinion XXXX is 'by 8 ' Unfortunately the rep talked over me and seemed to have a language barrier in u uderstanding whati was saying. I asked for her to waive the fees and she refused. I asked why the 2 charges that were posted after XXXX were not subject to the XXXX cutoff and was told the merchant finalized so the funds were removed ... which really dudnt answer my question. After that call I called and asked for a supervisor. He was of little help. He stood by the 'before 8 ' cut off, didnt care that the atm had paused significantl, said that my cash deposit, that was still showing as pending over 24 hours after it was made, was made after the cutoff so it was a Saturday transaction and Saturday is a non business day.. yet usingthat logic the 2 transaction that were not posted to my account at XXXX when my deposit was made had posted an funded eventhough they should be considered Saturday transactions also in my opinion. He kept saying they were transactions from XX/XX/XXXX ... but the fact remains they were not posted until mb after the cutoff and that the first fee caused both of those transactions to incur overdraft fees ... so my argument is that it is bit right to use the cutoff to charge me a fee then that fee causes 2 transactions that weren't posted by the cutoff to both incur fees. The supervisor was rude and did finally credit {$68.00} of the {$100.00} back to my account ... but I really feel that the full amount should have been credited. My receipt for the deposit shows a positive balance and they say that deposit was made after the cutoff so.it makes no sense to me how his all transpired.
Product: Credit card or prepaid card

I tried to call the numbers on the letter I received, however, they kept telling me to go online and complete the dispute papers. I didn't feel comfortable filling out forms that wanted my social security number, since someone has already applied for an account under my name to start with.
Product: Checking or savings account

XXXX Give me a refund on the XX/XX/XXXX and Took it back on the same did after they give me a refund then on XX/XX/XXXX I filed a claim with they returned the money and then XX/XX/XXXX they took it back so I just lost my money for a washer that XXXX or dont let ship
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am victim of identity theft and Bank of America Account XXXX XXXX XXXX XXXX was disputed in 2014 and wrongly reported and XXXX is supporting XXXX  and take money from XXXX and ignore consumer and there Rights Need to be deleted as following information is wrong : Date of First delinquency is XX/XX/XXXX. 2014 Account status is paid off Balance not correct Available Credit is 0 Date of last payment is wrong Paid in full with on condition to delete account
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the credit Reporting act XXXX XXXX has violated my rights 15 usc 1681 section 602 states I have the right to privacy 15 USC 1666B : A creditor may not treat payment on a credit card account under an oean end consumer credit plan as late for purpose
Product: Mortgage

In Accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 602 states I have the right to privacy, section XXXX is also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a late payment on a account under an open end consumer credit plan as late for any purpose. Pennymac loan services, report a XXXX XXXX days late payments for XX/XX/2024 an XX/XX/2024. I never been late on this accounts and is affecting my XXXX XXXX.
Product: Credit card or prepaid card

I have sold a massaging product to XXXX XXXX. After my client received his product, she filed a dispute with her credit card ( Chase ) without any reason. 

First, I had tried to contact the client several times to find out the reason why but there was no response from her. I then filed all my paperwork to XXXX  ( credit card XXXX ) proving that the product has been delivered without any issues. I waited for the outcome. 

A couple of weeks later, Chase informed me that my customer, XXXX has won the dispute and refunded the funds back to her. I do not know what factors led to the client 's favor especially I have submitted all the evidence. 
Now, 1. The client does not want any communications with me. 
2. The client did not provide any evidence of any of the issues. 
3. Currently, the client has the product and the funds- meaning she has the product for free. 

After a couple of months, I managed to get in touch with her 1 time after the dispute, and she said Chase has not credited the funds to her so she could not refund me. She promised to send me the funds as soon. And that was the last time I can contact her. 

I suspect this is a professional fraud case and I have tried to contact Chase but in vain. 
No telephone numbers, no emails available. Basically there is no way to contact them unless you have an account with them. 

Fortunately, I do and I tried to contact them. However, the bank is unresponsive when it comes to this. I have been communicating with them since XXXX and the same message from them. 

Below is their standard message : Dear Valued Customer, Thank you for asking about your credit card account. We will review it carefully and reach out as soon as we can. 

Due to an increase in volume, you can expect a delayed response of a week or more. Please don't resend a request because it could further delay our response. 

We may ask you for more information to help our research. 
If we do, please reply as soon as possible. 

If we adjust your account, we'll mail you the details. 
You'll also see the adjustments on your billing statement. 

Thank you for your patience and for choosing Chase. 

Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX It has been XXXX. i haven't had any response on your side.
Product: Credit reporting or other personal consumer reports

According to 15 USC 1692 c and FCRA Section 605C you have violated my rights by lawful communications. Please remove these items off of my credit report. I am a victim and this needs to be handled immediately before I take legal actions.

Please read the enclosed documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted XXXX XXXX XXXX & they told me I've never missed a payment, yet XXXXTransUnion refuses to update me from being listed as XXXX, XXXX on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do XXXXTransunion job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to update this damaging negatives from my profile. 
XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$3400.00}
Product: Debt collection

I currently have a car loan with XXXX XXXX and my payments are on time. Since I got this loan and was a day late on payments, I continue to receive phone calls, every single day at all times of the day. It is harassment at this point. I have already asked them to stop and it continues.
Product: Debt collection

Medical Billing XXXX XXXX XXXX XXXX, NY XXXX To whom it may concern : This letter is to complain about XXXX bills I recently received from XXXX. I called XXXX on XXXX XXXX, 2016, to find out how to deal with a problem I 've had with these XXXX bills. 
The XXXX police handcuffed me and forced me to the hospital because I was XXXX. When I arrived at the hospital, they handcuffed me to a chair while some staff asked me some basic profile questions. The cops then proceeded to take me to the XXXX where I met the XXXX who finally XXXX. The XXXX took me into a plain office and just gave me a tissue and asked me a couple questions about my profile. After five minutes, I was told to wait outside while the cops casually planted themselves in chairs to relax thinking they would be there a long time. The XXXX said I was fine to go and the cops quite surprised, proceeded to handcuff me and make me wait upstairs while they went to the cafeteria to get food. At this point, I had not eaten all day and just thought how my friends and family were probably wondering where I was. I realized I was taken to the hospital so the officers can get food and relax while I just got a XXXX. Less than one hour was spent at the hospital where most of the time was spent with me waiting handcuffed or watching the cops get food. I spent only fifteen minutes or less to myself in a XXXX and answer a couple questions and I refuse to believe any of that qualifies for an emergency room bill for {$1600.00} and emergency visit for {$140.00}. It is completely absurd and outrageous considering neither was any emergency at all and all I was given was a XXXX. 
After I had been on hold for several minutes, a representative came on the line. I tried to explain my problem to her several times and she interrupted me to say she could not help me and to write a letter explaining my situation. Needless to say, I was quite frustrated. I do not want to spend any more time on this problem and I am including these XXXX bills to be cancelled. I will be informing my friends, family, lawyers, and if necessary, forwarding all this information to the executive staff of this company and NY XXXX XXXX XXXX about this matter. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I received an email as follows : From : GoProgram Customer Service XXXX Subject : Way2GO XX/XX/2021 Statement Date : XX/XX/2021 at XXXX PM To : XXXX Dear Way2Go Cardholder, Thank you for being a Way2GO Card cardholder and for choosing to receive your statements electronically. 
To view the new statement please visit www.GoProgram.com. 
To view the Statements you will have to : 1. Log into your account 2. Select the " View Statements '' button on the right-hand corner This is an automated notification from GoProgram Help Desk . 
Please do not reply to this email. To Change your notification preferences, please visit www.GoProgram.com. 
Conduent | XXXX XXXX XXXX, XXXX, TX XXXX Unsubscribe XXXX Constant Contact Data Notice Sent by XXXX ============================================================= I did not apply for this, and I can't have it closed. It is registered under my email id XXXX ; however when I type in the userID name and click Forgot user ID it request me to put in my card information, which I did not. It is merely a website that is a financial fraud scheme that ultimately hurts many individuals ( attachment of print screen below ). Can you please help me get this fixed and hold the persons responsible for such fraud? I greatly appreciate your assistance as I can't do this without you. 
Kindest of Regards, XXXX XXXX XXXX XXXX " XXXX '' XXXX ( XXXX ) XXXX work email : XXXX home email : XXXX XXXX
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.

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 
Delete the inquiries below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 TransUnion XXXXXXXX XXXX  XXXX XX/XX/2023 TransUnion XXXX XX/XX/2023 TransUnion XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXXXXXX XXXX XX/XX/2023 XXXX
Product: Credit card

On XXXX XXXX, I tried to activate my card. The activation site did not work on 2 browsers, so I called the number on the back of the card and I think it was finally activated. I then tried to add it to my wallet. Again. online did not work so I called the number on the card. They began asking an unusual number of verifications and then told me to give them my cell phone and proceeded to tell me it was " unauthorized '' I asked why and they told me it did not " meet the criteria ''. I asked what criteria and was told I can't tell you that until you give me another phone number. I asked for a supervisor. I got XXXX, This began all over again. Same process. Told me the number was not authorized. She asked for another phone number and I asked why. Against my better judgement, I gave her my home phone. She said that was unauthorized. This process is very suspect. Why they think my phone number is not good I have no clue. When a supervisor does not explain, this is not acceptable. I told her I wanted to close my account and she told me that she couldn't do it and needed to send some letter. I called back again and asked to close me account and was told no. I needed to verify the account and go through this process that doesn't work. I asked for a supervisor. This supervisor, XXXX, would not close the account and said " wait for the letter if you won't go through the verification process. I asked for her supervisor 's name she said you are at the highest level. I said that she had a supervisor but she refused. This process is convoluted and to not be able to cancel a card within a reasonable period of time makes no sense.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Report Agency and Debt Collector both did a negligent investigation This is a clear error and violations of 15 U.S. USC Section ( a ) ( 1 ) ( A ) - the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 


I will send a copy of original contract that AD ASTRA REC sent me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to inform you that you are in violation of XXXX XXXX and I am considering litigation. I have retained legal counsel. In an effort to resolve this matter amicably, I will make one written request. 

I am formally requesting that you validate all trade line notations you have submitted to the three major credit reporting agencies by XXXX, for account number XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX Due to possible inaccuracies in these CRA reports, I must demand that the validation I hereby lawfully request be in the form of a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised that I am not requesting a verification that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this trade line. 

Please know that you have 30 days from the tracked and confirmed delivery of this lawful notice to either answer these demands or to remove the associated negative tradeline notations from the CRA reports. Any other action may constitute evidence of your intent to abridge one or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for civil complaints being filed in accordance with FACTA, FCRA, and other federal and state laws. 

I look forward to a timely and amicable resolution to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
When I investigated my credit report, I realized that some of the information was erroneous. The TransUnion credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting account 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 item/account/information below : I've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not delete the account because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
As required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Transunion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. XXXX XXXX XXXX Date Opened XXXX XXXX, 2015 Balance : {$1400.00}.
Product: Credit reporting or other personal consumer reports

Capital one recognized Dec 22,2023 Inside of XXXX  within Credit Report.