23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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 account number # XXXX has violated my rights. 
XXXX ) XXXX Account number # XXXX XXXX ) XXXX Account number # XXXX XXXX ) XXXX XXXX account number # XXXX XXXX ) XXXX  account number # XXXX XXXX ) XXXX account number # XXXX XXXX ) XXXX  Account # XXXX XXXX ) XXXX XXXX  account number # XXXX XXXX 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 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 reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX I have an issue with false and inaccurate items on my credit report. 1. my name is spelled wrong like four times. 2. Bad addresses are showing on my file, I have never lived in XXXX  My current and correct address is XXXX XXXXXXXX XXXX  XXXX XXXX, OH XXXX. My DOB XXXX. The addresses here are not accurate please delete XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX
Product: Debt collection

Jefferson capital has a n item on my credit report that I just discovered today for  XXXX   XXXX . I have never had  XXXX , and I never received written notification that this item would be added on my credit report. I have asked for verification from this company, whose response was " they did n't have to provide anything. '' I have never had or signed any contract with either  Jefferson n or  XXXX , and this action is completely illegal and violates my FCRA rights completely. This action is causing disruption to my financial profile for creditors I am interested in doing business with by giving a false dichotomy of my credit worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX  XXXX Balance : {$430.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$47000.00}
Product: Debt collection

Spoke to company on one occasion and requested validation and all paperwork pertaining to this debt ( XXXX XXXX XXXX ). Nothing was ever received. I disputed the validity of this debt at least 2 times with Equifax.. I did not receive any proof that this debt was valid nor did I receive any written correspondence from the collection agency or the Credit bureaus that this debt was authenticated. I spoke to the Credit agencies and they insist all information was validated. I have requested to have the information they used to validate on my report sent to me or to remove the account from my credit file. I have not received any information from any of the credit bureaus but they maintain the information was validated. This is in violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

TRANUNION received this complaint on XX/XX/2022 and didn't complete their investigation until XX/XX/2022 and according to the Fair credit reporting act if the investigation takes longer than 30 days the disputed information must be removed from my credit report
Product: Credit card

I signed up for a XXXX XXXX XXXX credit card because they had an incentive program where if I spent {$5000.00} within 90 days of the account open date, I would receive XXXX bonus miles. I tallied the totals from my first XXXX statements and was over {$5000.00}, but when I called them, they said they don't tabulate it that way and denied my request. 

I would not have applied without this promotion and now I want the {$450.00} annual membership fee refunded.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Request for Removal of Incorrect Information on My Credit Report Dear Experian Customer Service, I am writing to formally express my concern regarding the incorrect information currently listed on my credit report. Specifically, there are 17 accounts reflected on my report, but I only have 5 open and active accounts. The remaining accounts are closed, outdated and should have been removed.

I have made multiple requests for correction, yet the inaccurate information continues to remain on my credit report. It is not necessary to keep old, outdated accounts showing on my report, as they no longer reflect my current financial situation. These inaccuracies are negatively impacting my credit score and causing unnecessary frustration.

I kindly urge Experian to promptly investigate and remove these outdated accounts from my report. Please update my credit report immediately to accurately reflect only my 5 active accounts.

Please confirm receipt of this complaint and provide a timeline for when this issue will be resolved.

Thank you for your immediate attention to this matter.

I have one
Product: Debt collection

I have been receiving call at my place of work. And today they started to inform employees I work with about the debt they say I have with them. They called several time including calling me at XXXX on several occasions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've got an on going issue with Macy 's that has cost me my financial life and credit worthiness. 

I've had a Macy 's card for over 4 years, and I personally have not used this card myself in a very long time. Mid last year, as I didn't even have this card in my possession, some charges came on that I personally never signed for. 

During this time, not only was my dad in the hospital who I was tending to, there was a FEMA natural disaster and state of emergency declared in my state due to EarthQuake activity. Due to this issue I was not made aware of any payment due and 2 late payments were incurred. 
Which tubbed my perfect credit rating and now my partner and I are left with not being able to qualify a mortgage loan.
Product: Credit reporting

This account has pass the statue of reporting as of XXXX2009. 
When a delinquent account is reported it is reported for seven years from the date of the original date of the first missed payment, which it clearly shows the first date of a missed payment is XXXX2009. 
I will fax the evidence.
Product: Debt collection

This collection agencies calls me throughout the day at my home and on my cell phone. I know that I owe Capital One and I am making every afford to pay them.
Product: Credit card

On the evening of XX/XX/XXXX we had a scheduled flight on British Airways to XXXX that was cancelled a few hours before departure. British Airways emailed us that we were going to be rebooked on United Airlines the following day. My husband XXXX United to get their phone number to call them and see if they could get us out the same day as we were going on a XXXX and really needed to get out that day. 

We called what XXXX showed was United Airlines. The man on the line told us he was United Airlines and he could rebook us on a flight for the same day. He encouraged us to book a round trip as that would help us get a same day ticket. We were rushed as we had a car service taking us to the airport that was waiting for us. It was taking very long and we were starting to get suspicious as the man had a strong XXXX accent. We asked him two more times if we were talking to United Airlines and he said yes, he was United Airlines. 

He sent us an email with the fare for each way. He told us United was sold out but he could get us out on XXXX XXXX. The fare seemed very high but we were running out of time so we said yes, please book us. We gave him the credit card information and he issued tickets on XXXX XXXX for the evening of XX/XX/XXXX. We still hadnt received our United tickets for the return trip. As we were driving to the airport, we started to realize that we had probably been scammed and were not talking to United Airlines. We called back and insisted that they refund our return trip with United-it took a lot of arguing and pushing but they finally agreed. 

We boarded the flight and once we arrived in XXXX, we reviewed our credit card charges and could see the fares with XXXX XXXX and United and an additional charge of {$3700.00} for booking the flights. This was not a charge we would ever agree with. There would be no fees like this if we had been booking with United. In addition, when we asked them to cancel the United tickets, they only refunded the actual fare which was much less than the fare they quoted us. That charge is a fraudulent charge and we should not have to pay it. 

We are attempting to fight this with Chase but they are siding with the merchant.
Product: Debt collection

My ward received services at XXXX XXXX XXXX XXXX in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I first started receiving bills in XXXX and XX/XX/XXXX, by a company called XXXX XXXX XXXX XXXX who claimed they were the billing company for XXXX XXXX XXXX XXXX. These bills were paid. On XX/XX/XXXX, several months after services had ended, and in the middle of a global pandemic I received an emailed bill. I noticed immediately that the bill was incorrect, payments had been applied wrong. I spent over an hour on the phone with a Ms. XXXX XXXX who claimed that the issue was with how insurance was applied and that the issue was going to be resolved. She stated that things would be slow due to everyone working from home and not having accurate access to records during the pandemic, and shut down. To confirm this Ms. XXXX XXXX sent me an email on XX/XX/XXXX, four days after our conversation, with an updated invoice and the invoice showed balance of XXXX. I have both the email and the invoice. There were no further communications, and since the issue was resolved and the balance showed XXXX, I assumed all was well. I received no further communications. Around XX/XX/XXXX, almost a year later I received a phone call from a collection agency ( Keynote Consulting Agency XXXX XXXX XXXX XXXX, XXXX, Illinois ). The collection agency claimed that they had been contracted by XXXX XXXX XXXX XXXX  to collect a debt. I told the debt collector that I was disputing the debt, and that I was requesting debt verification, including a copy of the last bill sent to me by the original creditor, and I further asked that proof be provided that Keynote Consulting had been contracted to even collect the debt. I further put this in writing and mailed to the address on file for the debt collector. I heard nothing back from Keynote, additionally to this day nothing has been provided that even proves that Keynote has been contracted by XXXX XXXX XXXX XXXX to collect any debt as part of services rendered, even though this information has been requested. On XX/XX/XXXX, I noticed that Keynote Consulting Agency, after failing to provide debt verification, as required, they reported this collection activity to the three primary credit bureaus ( XXXX XXXX XXXX  ). Attempts to resolve these issues from both the original creditor and debt collection agency has failed. Not only are both parties violating the Fair Debt Collection act, XXXX XXXX is also refusing to even provide basic contact information about their agency or even proof that they have been contracted to collect a debt from XXXX XXXX XXXX XXXX, which again is a debt that is false. 
Please note the very last invoice shows a balance of XXXX. There were no further invoices after XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

I received a text message from XXXX with the following text : Alert- ( my phone number ) from WellsFargo-Bank : Your Debit-Card is temporary Locked. Please call us now at XXXX. Thank you for your time Obviously, this is a scam. I did n't try calling them, but hopefully you guys can help in shutting them down. I 'm not sure whom else I should contact if this happens again. 

Thank you, XXXX XXXX
Product: Money transfer, virtual currency, or money service

After having problems with Coinbase myself and reading online that many others have experienced a plethora of problems as well, I decided to sell all btc from my account. I did so on XX/XX/26. I was not and am still not able to withdraw that money off of Coinbase and send it to my bank. I sent an email to Coinbase which has not been responded to other than an auto-email. The app shows that I have USD in my account but when I hit the withdraw button it then says there is {$0.00}.
Product: Credit reporting or other personal consumer reports

I told Experian, XXXX, and XXXX to reinvestigate these accounts below. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

In accordance with the Fair Credit Report 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX  recently removed a bankrupty dismissed remark from my account associated with Best Egg. XXXX  and best egg blame each other for reporting the remark and I have filed several disputes to both parties neither stated why these remarks were ever reported on my credit or where they came from. Unfortunately my points on my credit score did not change after bankruptcy dismissed was removed. When the bankruptcy dimissed remark was reported to my account XXXX of 2019 my credit score dropped 87 points. I additionally lost 4 points each month each time I made a payment to the best egg account. My score still remains the same as if I had the bankruptcy remark still on my account. XXXX  only removed the remark over the phone and not during any of my disputes that I have filed. They did not state the reasons it was removed which would confirm that the remark was never associated with me and never had a house to receive a bankruptcy. Yet my credit score recieved deductions for a remark not associated with the user. A letter was sent with pictures to XXXX  showing how the bankruptcy remark dropped my credit score. A special handling supervisor XXXX XXXX stated on the phone that even after seeing the points deducted that was never returned that they could not change the points. If a remark was associated with my account that didn't belong to me than it dosent make sense for my points to reflect deductions not related to my own actions or credit use. Bankruptcy dismissed remarks effect credit scores so not sure why after removing the remark my score remained the same. I have documentation of the effects each month. After mailing the letter of evidence XXXX  did not acknowledge it until I called several times simply to get any response. Each person on the phone gave different response to the issue at hand.
Product: Debt collection

Creditor : XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX  ), Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  ), Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ), Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ), Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ), Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX ), Account : XXXX Reason XXXX Delete this unverified and inaccurate account
Product: Mortgage

I am going through a short sale of my home and I was promised a relocation assistamce amount to help me move. An investor was purchasing the property and wanted the house vacant before closing, I moved out of the property only for the investor to back out of the deal. My realtor found another investor in a week and we were under contract. 

As of today, PHH Motgage and XXXXXXXX XXXX have disagreed to give me the relocation assitance because the home is vacant ( at no fault of my own ). 

My realtor and I have spoken with countless representatives at PHH mortgage and have not been able to rectify this situation. 

I am XXXX XXXXXXXX XXXX and this bank ( who used to ne Ocwen ) illegally foreclosed on my home back in XXXX  and had to recind the foreclosure after I caught the illegal activity done by the bank. 
I can go on an on about what this bank has done to me. The sole purpose of this complaint is to make consumers aware of this " so called '' investor XXXXXXXX XXXX and PHH mortgage.
Product: Credit reporting or other personal consumer reports

I am writing to express my significant frustration and disappointment regarding the numerous attempts I have made to correct inaccuracies on my credit report with Experian and XXXX Credit Bureaus. Despite my continuous efforts to rectify the late open account on my credit report, these inaccuracies persist and are causing harm to my financial well-being. 

Over the past several months, I have made multiple attempts to dispute and correct the late open account on my credit report. These late open account is affecting my credit score and my ability to secure favorable financial terms. Despite submitting the necessary documentation, I have received several responses from your bureau indicating that these late open account have been verified as accurate. 

I would like to stress that these late open account is indeed inaccurate. I have attached the relevant documentation supporting my claim. It is essential that these discrepancies are resolved promptly to prevent further damage to my financial reputation. 

Enclosed, please find the following documents : A copy of my credit report with the inaccuracies highlighted. 
Proof of payments and records demonstrating that these late open accounts are inaccurate. 
Any correspondence I have received from your bureau, including my previous disputes. 
I kindly request that you initiate a thorough investigation into this matter and rectify these inaccuracies on my credit report as soon as possible. This will help restore my creditworthiness and ensure that I am not unfairly burdened with the consequences of these inaccuracies. 

As per the Fair Credit Reporting Act ( FCRA ), I expect that this dispute will be resolved within 30 days. I also request that you provide me with a written response detailing the results of your investigation, any corrections made to my credit report, and a free copy of my updated credit report. 

Please acknowledge the receipt of this letter within 15 days and keep me informed of the progress throughout the investigation process. I am asking for your assistance to correct the late open account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Please accept this letter as a formal complaint against. JPMorgan Chase Bank. On XX/XX/2021 while making a wire transfer, we inadvertently put the account number in the space for the routing number and the routing number in the space the account number. Since that time I have exhaustedly tried to resolve the issue with Chase Bank to no avail. I then contacted the executive team which was no better and, in some cases, worse. 

I then sent XXXX XXXX XXXX and Chief Executive Officer a detailed email of the goings on, only to receive a call from a female from Chase, phone number XXXX indicating that we may never get the {$20000.00} back. As you can XXXX, that set off all types of anxiety, anger, frustration and a feeling of helplessness. 

I was not aware of where the money had gone, but somehow found the recipient bank. I spoke with a very knowledgeable person there ( whos name I have ) that said, all that needed to be done was to have Chase give me a recall form Wire remittance form have it submitted, and the funds would be returned. He certainly indicated that this was a normal course of action and was perplexed as to why it had not been done already. 

I take umbridge at having {$20000.00} dollars held hostage and none of the Chase representatives, XXXX, XXXX, XXXX, XXXX, XXXX or XXXX XXXX recommended or suggested that I complete the form to have my funds returned. This leads me to believe that this was purposely done a caused me to loose credibility with my customers. 

The remuneration I suggest is that they double my money back and send a letter of apology. Secondly train their EXECUTIVE TEAM on sensitivity and sensibility. 

Respectfully, XXXX XXXX XXXX Federal Deposit Insurance Corporation ( FDIC ) Federal Reserve Board ( FRB ) Conference of State Bank Supervisors ( CSBS )