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

Account Name XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Open/Never late. 
Status Updated XX/XX/XXXX Balance {$160.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$0.00} Credit Limit - Highest Balance {$1800.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Please see attached for experian data being reported inaccurately. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Please also see attached for proof of {$20000.00} limit given by XXXX.
Product: Credit reporting or other personal consumer reports

Credit Report Disputes Unresolved - FCRA XXXX Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance in addressing multiple unresolved credit reporting discrepancies with XXXX, XXXX, and Equifax. On XXXX XXXX XXXX, I sent certified mail to all three credit bureaus, requesting reinvestigation and deletion of inaccurate information from my credit reports. My request was based on my rights under the Fair Credit Reporting Act ( FCRA ). Despite my efforts, the credit bureaus have failed to investigate and correct these inaccuracies, which is a direct violation of my rights under the FCRA. 

Summary of Actions Taken : On XXXX XXXX XXXX I mailed certified dispute letters to XXXX, XXXX, and Equifax requesting reinvestigation of erroneous accounts. 
I provided supporting evidence and clearly outlined the inaccuracies in my reports. 
Despite the XXXX response period mandated by the FCRA, XXXX of the bureaus have addressed the discrepancies or provided resolution. 
Issues with the Credit Reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are not mine, and I have no knowledge of their origin. Despite many attempts to resolve these matters directly with the bureaus, the errors persist on my credit reports, causing harm to my creditworthiness and financial well-being. 

I request the CFPB 's assistance in ensuring the credit bureaus comply with their obligations under the FCRA to investigate these disputes promptly delete and remove any inaccurate or unverifiable information. 

Thank you for your time and attention to this matter.
Product: Credit reporting or other personal consumer reports

Comenity Bank placed a ( collections/ charge off ) on my consumer report without my knowledge or prior disclosure.
Product: Debt collection

So Transunion have not verifying this debit correctly and I dont have a contact with some of this companies and from my understanding all this collection companies are banned from from reporting to your credit comes from the FTC
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of ID theft. And : I produced all the documents to Experian and they are refusing to fix the problem. They are still reporting the fraudulent accounts on my credit file
Product: Prepaid card

I activated the AMEX gift card for {$150.00} recently at a XXXX on XX/XX/year>. I've tried to use this card with multiple online and XXXX  XXXX  as well as tried adding it to my XXXX XXXX XXXX. 

I am unable to add it or use it anywhere. 

AMEX was not helpful. Merchants tell me to contact AMEX.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX last week, I received an email through my university email for a XXXX XXXX XXXX opportunity. It was really early so I just assumed it was legitimate. I didnt know that you could receipt emails outside of the school as for my entire schooling, outside emails have been blocked. It had not yet been flagged. I have correspondence with this scammer person where I was sent a total of {$5900.00} in checks to be sent to orphanages, {$1000.00} of which was to be sent to XXXX XXXX on Zelle, who was already a Zelle member so the transaction went through quickly. I realized that this was a scam that day and filed a claim with my bank at XXXX XXXX and they have since closed the case and decided it against my favor.
Product: Credit card or prepaid card

I called to cancel my Citi Thank You credit card account when the yearly fee of {$95.00} posted to my account. I called on XX/XX/2018 and during the call decided to keep my account open as I was told the $ XXXX   yearly fee would be refunded after 3 months of {$1000.00} 's in purchases. I have used the card for 4 months with over {$1000.00} in purchases each month and have not had the yearly fee refunded, as Citi Thank You promised. 
When I called Citi Thank You on XX/XX/2018 to ask about the refund the customer service representatives hang up on me immediately. First time it was XXXX, and the next time it was XXXX. XXXX pretended he could not hear me and hung up within 3 seconds of us being connected. I heard someone talk to XXXX softly ( I could not understand what was said ) right after he asked me for the account number and then he just hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Services Account number XXXX The account you are reporting is identified as an installment loan which is factually incorrect. The true account type for this account is XXXX XXXX Agreement. I have the right to an accurate credit file and discrepancies like this is unacceptable. Please remove this account from my credit file immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX visa credit card is missing on my credit report. They sent a new card when it was expired but I missed it. Therefore requested a new card almost three months ago and using it since then, but it is still not showing up on my credit report. The card was previously there on my account for three years but suddenly disappeared. I called the XXXX XXXX visa and they said there is no miss on their side. So I created a ticket with the credit bureau a little more than two months ago. I received an email saying the steps they are going to take to resolve the issue but that too of no use. Since then I check for the credit report to be updated but nothing helped. My credit dropped from excellent to fair. All I see are requests to get a new credit card. But the current XXXX XXXX credit card is not even there and unfairly removed. I have always made all my payments before time and never had any issue with my credit
Product: Credit card or prepaid card

I attempted to use my Aspire credit card on XX/XX/XXXX and my purchase was declined. I called into Aspire and I was informed that the notes stated on XX/XX/XXXX I wanted my account closed. I informed them that I did not request to close my account and that my account stayed open over 30 days past the date of their notes thats another reason why I know their records are incorrect. I requested to hear the recording of that conversation and of course Aspire said it was not available. I have never received any communication from Aspire informing me that they closed my account. How can a company close my account without my permission??!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX  XXXX violated my 609 rights by reporting incorrect information to Equifax regarding my credit file. Equifax further violated my rights by adding this incorrect information to my credit file for others to see. 

They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone numbers, and names corrected on my credit report. This is a violation on my consumer protection rights.
Product: Credit card

On XX/XX/year>, there was a fraudulent charge that happened in XXXX, XXXX for {$630.00}. I have then reported this charge as fraud. On XX/XX/year>, Barclays did an investigation and concluded that I was responsible for the charge. The cartel in XXXX took my card and said it wasn't working. Even though the charge went through. This wasn't a charge that I was approved of. They took my card without permission and approved the charge. This same vendor known as " XXXX '' also did a fraudulent charge on XXXX card XXXX The only difference is that XXXX gave me my credit back because they recognized it. The same vendor tried to charge me {$8000.00} on my XXXX card. Barclays has acknowledge this was an unrecognizable charge because I never used my credit card on the trip until that transaction. This is a charge that I never approved of. There wasn't any signature to validate this charge. I also couldn't reach out to the vendor because they are the cartel. Please help me resolve this issue, this is clearly a fraudulent charge that I never approved of.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights I looked at my Trans Union credit report on XX/XX/year> 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 ( XXXX ) ( b ). 

And according to 15 USC 1681i XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( XXXX ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 


and 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

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts marked as inaccurate : XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Hey I am XXXX XXXX XXXX and this account thats being reported in my credit report is Fraudulent/ NOT MINE please remove it immediately. For this is hurting my chances of getting a loan. This is not a XXXX  party filing this complaint.
Product: Debt collection

Consumer Adjustment Company is trying to collect debt of {$550.00} that I am unaware of. 

My credit report says the debt originated from XXXX XXXX. I can only assume it's for a loan but I never took out a loan with XXXX XXXX.
Product: Bank account or service

I am a long time Bank of America customer, starting off with this company with a XXXX checking account many years ago, and am saddened to say how disappointed I am in the practices at this institution. I spoke with Bank of America on XX/XX/XXXX in regards to transactions made on my account between the dates of XX/XX/XXXX-XX/XX/XXXX. In the course of XXXX days my account incurred XXXX fees of {$35.00} each, totaling to a whopping {$210.00} worth of bank fees. I was told these fees were incurred due to XXXX separate transactions that were attempted to be paid through my account. Not only am I a victim of these excessive bank overdraft fees, they are also unwarranted. There has been occurrences in the past where I was told that the BOA mobile app does not accurately show your available balance and that you must go to the desktop version of the site in order to view your actual balance. The misrepresentation of account balances is another way to push customers into overdraft, allowing the banks to collect multiple overdraft fees. 
After speaking with the bank rep, I was told that I may opt in to overdraft protection, in which if a transaction can not be paid, it will simply be declined by the bank. I am extremely upset that this is the first time I have been notified and given this " option ''. With that being said, since I am not currently enrolled in overdraft protection, any attempted transactions are to be paid by the bank. The issue here is that not only were the transactions between the dates stated above returned ( NOT paid/declined by bank ) but a {$35.00} return item fee has been charged to my account XXXX times ( XXXX in XXXX XXXX hr prd ). This is insanely ridiculous. I do not wish to end my longtime relationship, however I am a hardworking XXXX year old, that simply can not afford to throw money away on bank fees. If this issue can not be resolved, I will research alternative banking options.
Product: Bank account or service

A personal check was made out to me and a XXXX party ( i.e. XXXX AND XXXX ). Bank of America accepted this check with only XXXX signature and deposited it into the XXXX party 's personal bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to update any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the updating of the erroneous information which is being posted to my report. I've talked to the bank & they've agreed to update the accounts. BUT TransUnion has some internal block which they're claiming they can use to not update the accounts 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... Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX  XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX, XXXX. XXXX Open Date XX/XX/XXXX XXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

The account in question is listed as a charge-off. Charge-offs are considered Certificates of Indebtedness pursuant to IRS Publication 4681 ( 1. ) Canceled Debts, which means it is income and must be removed as income can not be reported in a consumer report, especially when the income reported does not belong to me as the consumer. Pursuant to the Fair Credit Reporting Act ( FCRA ) as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and non-verbal pursuant to 15 U.S. Code 6801 6805 concerning this account specifically, effective immediately and indefinitely. In addition to said legal authority, this entity has failed to comply with 16 CFR 313.4 313.9 and is currently in violation of said legal authority. Ive attached a copy of the Privacy Act of 1974 to clarify any confusion as to my rights as a federally protected consumer concerning this matter. I am also prepared in addition to enforcement warranted by the CFPB, to file suit in the proper jurisdiction to enforce my rights where this complaint will serve as evidentiary documentation. My Account Names and Numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received mail from my XXXX  that the law firm Kenosian and Miele, LLP attempted to garnish wages. The first time I contacted this law firm after receiving the documents from my employer I was told by their representative/employee XXXX XXXX that I had been sued by them for a past debt that I owed to XXXX XXXX XXXX  XXXX I was told that this past debt was in the amount of XXXX, XXXX this was supposedly from XXXX according to XXXX XXXX. The amount that Kenodian and Miele, LLP has obtained a judgement against me for was XXXX dollars. According to XXXX XXXX the dept that I owe has become this high due to interest and fees accrued. Who added these additional fees and interest is unclear to me. XXXX XXXX XXXX  is no longer in business. I attempted to contact XXXX myself to make sure that I actually owe them a dept and the number is no longer in service.This is the information where I attempted to contact XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX XXXX. 
Telephone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Web site : XXXX XXXX XXXX Now remember Kenosian and Miele, LLP is claiming that I owe them money based on an old credit card from XXXX. XXXX was sold to XXXX  XXXX in XXXX of XXXX. According to the XXXX XXXX Superior Court website Kenodian & Miele, LLP filed a judgement against me in XXXX. This was the first filing I guess. They have been filing ever since for a total of 17 years!!! Each time adding fees and " interest '' on a debt I don't even owe. It gets even better because XXXX themselves even lost a class action suit for unethical financial practices and had to pay their consumers about XXXX XXXX dollars total. So maybe XXXX actually owes me a check if this debt is real? 
So today ( XX/XX/XXXX ) I contacted Kenosian and Miele, LLP to gather more information about the so-called dept that I owed. I spoke with one of their representatives by the name of XXXX. She declined to give me her last name stating " I am the only XXXX in the office ''. She reports that I now owe them XXXX, XXXX and they will be attempting to collect this debt by attempting to garnish my wages, or levy my bank account. She did not tell me the amount of the original dept, and maybe was not aware that XXXX no longer exist, and was actually sued in a class action suit. She did claim however that they are collecting on the behalf of XXXX XXXX XXXX XXXX -- I am unable to find contact information on this agency. When doing online research about Kenosian & Milele, LLP I found that I am not the only victim of their scams, they have done this to several other consumers and was even sued and lost to a consumer in XXXX. 
I can only imagine the emotional and financial damage and stress this " law firm '' has caused its victims.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion shows 3 public records in my credit report which were updated by Transunion on/or around XX/XX/2020 in error. Transunion lists XXXX as the 3rd party data Furnisher used to report this information on my credit report. However, the 3 public records have been deleted from my consumer file with XXXX on XX/XX/2020 as a resolution after their reinvestigation of erroneous, inaccurate & unverifiable information ( See supporting documentation ). A previous complaint against XXXX is on file with the FTC, CFPB, & XXXX. XXXX  has already deleted these 3 public records in reference to the same resolution letter provided by XXXX ; XXXX  is pending.
Product: Money transfer, virtual currency, or money service

I initiated a wire transfer through my company account with Chase Bank ( XXXX XXXX, XXXX ) for payment to a service supplier of mine in XXXX on XX/XX/18 for execution on the next business day which was XX/XX/18. I received notification that the wire was put on hold, pending me providing more information. 

I am travelling overseas on business at the moment which makes the resolution all that more difficult but I tried to contact the bank on the number they gave me but it wasn't working. So I called the number on the back of the company debit card I have and they transferred me to the business division. After providing all my personal & company details for verification I was put hold for 20 minutes only to be told they couldn't help and gave me another number. 

Not to bore you with this over and over, but this process has been repeated now 5 times, contacting different departments by phone and I have also secure emailed Chase 3 times but still no one will help. 

I really needed to pay the supplier so I did that from another of my business accounts and then asked Chase to cancel the wire ( which is for {$10000.00} ) but they will not. I was given a number to call again, where they told me they couldn't help me and after a further email I was referred to yet another department again. I don't think this will be resolved by normal means. I feel the only way is through a carefully constructed complaints process. From the tone of the phone calls I have been having I get the feeling my {$10000.00} may be gone forever unless I act outside of the bank system
Product: Credit reporting or other personal consumer reports

I am trying to retrieve my credit report and credit score from Experian, Equifax and Transunion, however its keeps coming back as blank and I have called Experian and Transunion multiple times to fix this issue and its still not fixed