23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, or Experian did not follow the directions of my complaint. I did NOT ask for another investigation. AGAIN, this is NOT a dispute. Since you provided the results of an investigation, and I am within 15 days of receiving the results, I am now asking you to provide the method of verification under section 611 ( a ) ( 6 ) ( B ) ( iii ), which states the consumer reporting agency is obligated to give me with the name of the person or entity contacted for verification and a description of how the information was verified. 

With that said, regarding the item listed " XXXX XXXX XXXX XXXX  '' I want to know the name of the person or entity you contacted for verification, describe how the information was verified, the address of the person or entity you verified the information with, and I want to know did you forward all relevant information, including my original letter and exhibits? XXXX claims the data furnisher verified the account, while listing XXXX XXXX XXXX XXXX as the data furnisher, but XXXX XXXX XXXX XXXX  sent a letter stating the court does NOT communicate and verify anything with the credit bureaus.
Product: Credit card

I applied for a XXXX credit card and was denied for my personal credit score. As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). CHASE has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter sent me is both a proof and evidence that I have been discriminated against, CHASE is also criminally liable. CHASE should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT.
Product: Checking or savings account

I enrolled in Truist Bank 's {$400.00} Checking Bonus and they are refusing to give me an estimate for when I can expect to receive my reward. It has already been XXXX weeks since I met the requirements for the bonus and it states in their Terms & Conditions that it takes no longer than a maximum of XXXX weeks to receive the {$400.00} upon meeting the requirements. Their customer service representative was evasive and would not escalate my request for a review.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2022, I fell victim to a multilayered scam operation orchestrated someone who called themself XXXX ( the Scammer ), all of which aim at contributing to the goal of robbing and defrauding innocent people in the equivalent of XXXX AUD which was transferred from my wallet utilizing your services.
Product: Student loan

I spoke with someone on the phone at FedLoan Servicing a few weeks ago in order to have the maximum amount of a recent payment first directed toward my loan with the highest interest rate. The payment amount was more than sufficient to pay this loan off in full. The request also asked that the remaining amount of the payment go toward my loan with the second highest interest rate. 

I submitted this same request via email prior to my phone call, but received no response from FedLoan Servicing in return. 

After my phone call, I was told to wait 20 days. Now that 20 days has passed and the payment has finally been re-allocated, I see that my directions were not followed correctly. I wanted to pay off the high interest loan IN FULL, which is exactly what I discussed with the representative on the phone a few weeks ago. Instead, the money was re-allocated in some random way between all my loans. I am getting concerned that interest is accruing despite the fact that the check has been cashed for some time now and my request for a full loan payoff has been made numerous times and is still not implemented.
Product: Credit card or prepaid card

The company closed my account. I pay fees {$500.00} every year for this card, now all my benefits are gone. 

I depend on this card. I would like it reinstated and I would like my benefits for 2021 : {$250.00} airline credit {$250.00} hotel resort fee free 1 night hilton free airline lounge access
Product: Debt collection

I called into Americash customer service line to inquire about a notice I received on my loan. The notice was a " Notice of Adverse Action '' sent on my account XXXX times ( latest being dated XXXX XXXX ), but payment was made on time. Called into customer service and spoke to " XXXX ''. XXXX was extremely rude telling me to just disregard the letter. I seemed to be annoying XXXX when I continued to try to get an understanding of what was going on. I asked XXXX could I speak to a supervisor. He came back 1 min later and said no one was available. I told him I would just hold until XXXX was available and he says " just call back! ". I said fine.. my intentions were to call back to speak to another representative. I asked for his name again and he said " XXXX ''. Then I asked for an additional way to ID him. I asked for ID number and he says " It does n't work like that and just call back! ''
Product: Credit reporting

In my public records on TransUnion it shows i have a state tax lien from XXXX 2005 that is not paid but just filed i contacted the local courthouse in my county which is XXXX XXXX Indiana at the clerks office and they said it has been paid back in 2005.. But on my report it still says it is just filed and not paid.. they said i could come in and get a copy and give to my credit bureau.. So how do i do this?? Or do you request it from the court house..thank you..
Product: Debt collection

Bull City Financial Solutions has recently reported a purported unpaid medical balance of {$2100.00} on my XXXX, XXXX, and XXXX consumer reports. I wish to assert that this assertion is wholly inaccurate. At no point have I entered into any contractual agreement with Bull City Financial Solutions, nor do I owe any such debt to them.

It has come to my attention that their furnishing of this erroneous information constitutes a breach of the Fair Credit Reporting Act ( FCRA ). This act safeguards consumers ' rights concerning the fairness, accuracy, and privacy of the information contained in their credit files.

Therefore, I am formally requesting that Bull City Financial Solutions cease and desist from reporting this inaccurate and baseless debt on my consumer reports. Additionally, I insist that they take immediate action to rectify this matter with all three major credit bureaus. 

I appreciate your prompt attention to this matter and expect a swift resolution in compliance with the FCRA regulations.
Product: Credit card

When Cosco no longer accepted XXXX I walked into the store and was guided to an area where I signed up for a new Cosco credit card at which time the sales rep said the interest rate was 8 % and that was it so I believed them and signed up well when I checked my statement come to find out its 15 % and 29 APR which is something that was not told to me I called and explained that they was false and that I need my interest rate lowered and Citi Bank Cosco said sorry but they cant help me I am not rich and I have great credit but now because I was sold on lies they refuse to help and at least lower my interest rate at least to 10 % if not 8 which was told to me at the sales counter at Cosco I want them to do what was told to me at Cosco
Product: Credit reporting or other personal consumer reports

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX. STATES I HAVE THE RIGHT TO PRIVACY. XXXX XXXX XXXX XXXX XXXX XXXX XXXX IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Product: Credit card

I am filing a complaint regarding a disputed charge of {$970.00} on my Apple Card related to Apples XXXX Replacement program for my XXXX XXXX XXXX. Initially, I disputed this charge as unauthorized ( fraud ), but upon further investigation, I realized it was connected to the replacement device I received through the program. Despite returning the defective device as instructed, using the prepaid XXXX label Apple provided, I was charged. XXXX tracking confirms that the package was picked up and processed. However, the device was not delivered to Apple, and I was subsequently charged. Below are the details of the dispute and my efforts to resolve this matter. 

Complaint Details Transaction Date : XX/XX/year> Merchant : Apple Store Disputed Amount : {$970.00} Dispute Case Number : XXXX Temporary Credit Provided : {$970.00} ( later reversed ) Timeline of Events I initiated an Express Replacement through Apple for XXXX XXXX XXXX XXXX, which required me to return the defective device to avoid being charged. Apple provided a prepaid XXXX return label for the process. 
On XX/XX/year>, I packaged the defective device and dropped it off at a local FedEx facility. 
XXXX tracking number XXXX confirms that the package was picked up at the XXXX, TX facility on XX/XX/year>, fulfilling my obligation to return the device. 
On XX/XX/year>, I was charged {$970.00}, which I initially disputed as an unauthorized ( fraudulent ) charge because I did not immediately recognize its connection to the XXXX Replacement program. 
Upon realizing the charge was related to the XXXX Replacement, I investigated further and confirmed through XXXX tracking that the returned device had not been delivered to Apple. 
I contacted XXXX, but they refused to open an investigation because I am not the merchant account holder ( Apple ). 
Efforts to Resolve Contact with Apple : I contacted Apple multiple times to confirm receipt of the returned device. They claimed they have no record of receiving the package and stated it was too late for them to investigate. Apple advised me to file a dispute with my credit card issuer. 
Contact with XXXX  : I contacted XXXX to initiate an investigation into the packages whereabouts, but XXXX refused, explaining that only Apple, as the merchant account holder, could request an investigation or claim. 
Dispute with Credit Card Issuer : I filed a dispute with my credit card issuer, providing all available evidence, including XXXX tracking documentation and screenshots confirming the package was processed. Despite this, my credit card company reversed the temporary credit, citing insufficient evidence, as neither Apple nor XXXX has provided further documentation. 
Supporting Documentation XXXX return receipt with tracking number XXXX. 
Screenshot of the XXXX tracking history, confirming the package was picked up and remains undelivered.
Product: Money transfer, virtual currency, or money service

I am filing this complaint against Cash App regarding unavailable customer services and unfair practices which violate the CFPA. Cash App has failed to take measures to prevent fraud on the platform, which leaves not only mine but others accounts unprotected. Their resolution process was unfair as they did not comply with error resolution requirements under the EFTA. These actions have caused major inconveniences and financial losses. I am seeking redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I lost all of my personal stuff that including my ID, my Credit cards, my personal phone and more. Over the 9 months while i was trying to get everything back i looked at my credit report and i seen activities on there that i did not recognize. My credit card that was stolen in XX/XX/2022 has a balance of {$240.00}, Which is at XXXX XXXX. When i contacted the company, they locked my account and told me i still had to pay the {$240.00} even though I'm not responsible for it. Also, there are two charges from affirm one balance is {$130.00} the other is {$110.00} both of these loans were opened when all my belongings were stolen and i did not know it was on my credit report until now, I have not tried to contact the company.
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. 

Account Name : XXXX  Account Number : XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 

15 U.S.C 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 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

Equifax, XXXX, and XXXX continue to report inaccurate and incomplete information across their reports. Their information should be consistent across all three agencies and its not. Im seriously thinking of hiring an attorney because this is a clear violation under the FCRA.
Product: Credit reporting or other personal consumer reports

" A vehicle loan debt has been incorrectly reported on my credit report. I have no knowledge of this loan, nor have I ever taken out a loan for this vehicle. This inaccurate information is unjustly affecting my credit score. I am requesting that this erroneous debt be investigated and removed from my credit report immediately. '' BALANCE {$4100.00} ( XXXX AND EXPERIAN ) XXXX XXXX Open Date XX/XX/year> 2017
Product: Credit card or prepaid card

I recently signed up ( less than a month ago XX/XX/2021 ) for Bank of America.s XXXX credit card promising benefits upon purchase of an XXXX ticket. I was extremely disappointed not to get any of the benefits upon purchase. Such as an automatic upgrade. I called BoA and XXXX. They could not give me those benefits. XXXX said I must wait until I get my card even though the advertisement was for immediate benefits. 

Despite these issues I kept the card, and a few weeks later, I went to pay my Bank of America bill. Upon viewing my account, I found BoA had already charged me an Annual fee of around XXXX dollars. I found this quite inappropriate, because I havent had the account even a month or even received the card in the mail. It seems unethical and unfair to charge an annual fee in the first billing cycle, especially because BoA had never declared this in writing. In addition the annual fee name is deliberately misleading to customers, who would assume, like other credit cards, the fee would be charged approximately 1 year past opening the account. I called BoA and they said there was nothing they could do. I find these practices misleading and unethical.
Product: Credit reporting

the above case # is for Transunion. It seems I have to file a complaint for each credit reporting agency. 
I filed a chapter XXXX bankruptcy in XXXX 2013. My mortgage through XXXX XXXX was reaffirmed, as well as my home equity line through XXXX, and my furniture payment through XXXX XXXX XXXX. I have continued to make on time, full monthly payments to each of these companies and noticed that they have not been reporting to the credit agencies. I have provided the documents of the bankruptcy reaffirmation agreement, as well as the history of the payments made to these company 's over the last years to all XXXX credit bureaus and each XXXX of them come back with missing information on their investigation, some do n't even address the XXXX accounts I have listed in my dispute, others have other companies instead like XXXX. It is apparent that these companies do not doa thorough investigation of my dispute. They ca n't even get the account correct, let alone I don ; t believe anyone even bothered to look through the files I sent them of the proving documents to show they were supposed to be reaffirmed, as well as my payments being made that are not being reported. I 'm trying to rebuild my credit, and this is not fair that my payments are n't being reported, and no one is taking the time to do their job properly. 
PLEASE HELP!
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past 3 months, I have been disputing the inquiries listed below for unauthorizations of pulling my credit reports with the credit bureaus and the businesses that have inquired. I have never given permission, written or oral, to any other these companies. I have enclosed documents that I have received in the mail stating that each individual company was unable to locate any information indicating that particular company made an inquiry on my credit file. 
XXXX XXXX XXXX / XXXX XXXX XXXX, XXXX XXXX / XXXX, TX XXXX / XXXX / Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  / XXXX XXXX XXXX XXXX, XXXX XXXX / XXXX, CA XXXX / XXXX / Inquiry Date XX/XX/XXXX  XXXX XXXX / XXXX  XXXX XXXX / XXXX, PA XXXX / XXXX / Inquiry Date XX/XX/XXXX  The inquiries listed below have also been in dispute for unauthorizations of pulling my credit reports. I have been disputing them for the last three months. I have disputed with the credit bureaus along with the companies that inquired. During this period, I have yet to get a response in the mail. I have sent certified letters with return receipts proving they accepted the mail. Again, they have yet to respond with written or oral proof of my authorizations. I have enclosed documents of mail receipts and letters I have sent to these businesses. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, GA XXXX, XXXX, Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, GA XXXX, XXXX, Inquiry DateXX/XX/XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX, XXXX, Inquiry Date XX/XX/XXXX After my own investigation, this business is no longer operating. It shut down months ago. Address listed on credit report is invalid. I received returned mail on the address listed because it was unclaimed. Mail was unable to forward because there was no other address listed to send the letter. Copy of returned mail is enclosed. 

The listed unverified inquiries have been proven invalid. None of the businesses can provide an original signed agreement or oral recording of my consent giving authorization for them to pull my credit report. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete.

Please help me delete these inquiries from my credit reports immediately. I am tired of fighting with the bureaus and businesses about these inaccurate inquiries on my credit reports.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I tried to withdraw some of my virtual currency that was purchased on and stored at Binance.US. Thats when the Binance platform informed me that they froze my entire account due to risk management. Apparently, a month earlier, there was a small chargeback from my bank ( which i now fixed ). 

Binance threatens to misappropriate all of my funds. They are now holding the entirety of my {$31000.00} of funds hostage. There is no recourse of any kind, no phone or email access, and no way to reach them. 

I submitted multiple tickets to customer support. I followed their required painstaking steps of recording myself on a video, holding up my drovers license, and reading the message they require. Nothing changed. Im one of many, many customers in the same situation. We voice our concerns on XXXX and XXXX. But Binance has ignored us all. 

They are either using our virtual currency for their own staking and trading purposes. Or they plan to defraud and steal from us all. I feel helpless. These were all my savings. It is clearly unlawful to restrict the users access to their own funds under pretext. 

Please help me get through to them and cease their unlawful practices.
Product: Debt collection

Hope that you can help. 

I am a XXXX with 30 years in the business. 

We have a home equity with Key Bank, for which we continue to get harassing phone calls at two or three days past the due date. Generally I pay at the end of the grace which is five days. 

I sent XXXX a letter, which requested under the fair debt collections act that they send any request via XXXX Mail and do NOT contact by phone. They have previously acknowledged the receipt of the letter. 

I have also verbally requested that they cease and desist. 

I also verbally informed them that they are not in compliance with the law, yet they persist ...
Product: Debt collection

Called my parents phone and discussed my debt with them. I had n't lived at my parent 's house in 20 years
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX was hacked and getting sued as of this letter meanwhile my credit suffers XXXX point drop which caused a collection agency to report have a debt of {$110.00} total from XXXX joke I have perfect credit for last 5 Years. Now I have to suffer with a lower credit rating. I've had tmobile for the last XXXX always paid on time never a problem now because of a fraud who has stolen my social number and personal identity has destroyed my credit. XXXX XXXX XXXX are the collectors they're already trying to collect before I dispute they are trying to LINE there pockets from the innocent.
Product: Student loan

Repeated calls over 3 years to Navient to inquire about status of loan repayment. Repeatedly asked for loan to be changed to active repayment, and was told that my loan was in active repayment, even though the status on Navient web site said deferment. Due to this misinformation, my account continued to accrue unnecessary interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no credit or theyre not showing anything for my name. Ive sent XXXX and XXXX copies of my SS card Drivers License and my Medicare ID card. 
They got it and scanned it on their machines. At that point they said it was blury. It was very plain on the paper. So they wont put me in the credit bureau. Im trying to buy a house. 
My grandma put me on her XXXX account so I could get credit established. I dont know what to do.
Product: Credit reporting or other personal consumer reports

I have no knowledge of XXXXXXXX XXXX I am writing to dispute this information. 15 U.S. code 1692 states that I have a right to privacy and a debt collector, has to have my permission and consent to text, call, or email me. I do NOT consent and am at will to SUE! Section 604 15 US Code 1681 B states you do not have the right to report anything on my credit report without my written consent. THIS IS IN DIRECT VIOLATION! 

Please DELETE XXXX XXXX from my credit report immediately