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 account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or 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 or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

My Chase Freedom XXXX card previously reported my account 30 days delinquent for XXXX of XXXX I filed a complaint, and demonstrated that I was not delinquent for XX/XX/ and they removed the delinquency. a couple weeks later they reported my account 30 days delinquent foXXXX XXXX XXXX. I filed a complaint and demonstrated that I was not delinquent for XX/XX/. They removed the XX/XX/ delinquency from my report, then a week later they reported me 30 days delinquent for XXXX  again, even after I demonstrated that my payments were on time. Basically they continue to move this 30 day delinquency to different months despite me proving that all my payments were on time. I am attaching proof of my XXXX XXXX XXXX XXXX XXXX payments
Product: Credit reporting or other personal consumer reports

I sent disputes to XXXX, XXXX, and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 60 days and they have failed to respond. I am attaching copies of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed
605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Credit card or prepaid card

On XX/XX/2019 I purchased an excursion for shark diving at the XXXX XXXX in XXXX, XXXX for {$870.00}. Someone in the party became sick and we instantly tried to cancel. The resorts response was to only offer 50 % of the purchase price and I did not agree. On XX/XX/XXXX I called Chase to dispute the charge, the rep mistakenly filed it under fraud which I told him it was not. Then I get a call that my card is closing and questions about the charge for {$870.00} and I explained the situation and I advised them the rep put it under fraud but I told him the story I did not tell him anything about fraud. Now my card is closed, I still owe {$870.00} and Chase then adds another charge for {$870.00} on my account in error. I call again XX/XX/XXXX and explain the situation and explain that the card has been closed and the rep mislead me and advised to send a message online saying I would like to dispute the charge. I call again XX/XX/XXXX following up and inquiring why I was charge twice. I was on the phone for 2 hours, transferred between 4 different department supervisor. They attempted to contact the resort with the same result as me and the last supervisor tells me " I can not do anything '' and hangs up.
Product: Debt collection

BANK OF AMERICA/ CHARGEOFF ( balance {$3000.00} and {$720.00} ) Rescission of Contract. Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office. 
Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my God Given name ( XXXX : house of XXXX ). 
1. Validation of the debt ( i.e. the actual accounting showing <house of Pender : Arlette> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ; 3. A copy of the original contract signed by both parties and therefore binding both parties to the agreement.

Notice Period I hereby give you 10 ( ten ) days from the date of this notice to reply to it with a Notice, sent using recorded post and signed under full commercial liability and penalties of perjury, assuring and promising me that all of the replies and details given to the above requests are true and without deception, fraud or mischief. Notice of Terms Your said failure to provide the aforementioned documentation within the said ten days to validate the debt, will be taken to constitute your agreement by acquiescence to the following terms : 1. That the debt is in fact either invalid, did not exist in the first place or has already been settled in full.

2. That for any damages I suffer you will be held culpable 3. That any negative verbal or written remarks made to a credit reference agency will be removed.

4. That estoppel results, ( meaning that you can not and will no longer pursue this matter any further ).

Accordingly, the minimum you must do in order to carry on a lawful and honourable dialogue in this matter is to reply appropriately in some way within the ten-day period. Should some such reply not be received within this time you may as courtesy be sent a further and final notice confirming that the status of the alleged debt is as stated in the paragraph immediately above this one, although this is not lawfully required. BANK OF AMERICA are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.
Product: Mortgage

On XX/XX/XXXX I began a process for a Mortgage Loan on Pentagon Federal Credit Union. I submitted all the pertinent documents as requested by the loan officer. The bank ask me to pay for the appraisal, the property inspection and sign the selling contract with the seller. As part of the contract I have to deposit {$1000.00} on behalf of the seller. After submitted all the documents the closing was scheduled for XX/XX/2020. Because I live in XXXX XXXX, I make reservations for plane tickets and rent a vehicle in order to attend the closing.On the final moment the loan officer cancel the closing and scheduled again for Monday. I request an extension of the selling contract for XX/XX/XXXX and change the flight and rented car. The loan officer assured that the closing will be scheduled for Monday afternoon. For my surprise and the sellers, the loan officer sent an email cancelling the transaction allegedly because the property was a Condo. From the beginning the mortgage lender knows the fact that the property was a Condo and insisted on requesting the documents and paying for all the fees involved on the process. Due to the cancellation of the closing on the last minute, the seller refuse to reimburse the {$1000.00} deposit. I asked for An explanation from the mortgage lender and we received no answer. Due this outrage we lost all the expenses incurred to complete the loan process. We requested the reimbursement of all our expenses estimated in more than {$5000.00} and nobody reply our email.
Product: Mortgage

Please accept this as a Qualified Written Request for ; 1 ) An  unredacted copy of the letter addressed to XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX NC XXXX dated XX/XX/XXXX, for Property Address : XXXX XXXX XXXX XXXX XXXX, NC XXXX. Please, also pursuant to ... '' written request you are entitled to the following information : '' " Copy of the signed Note ''. Please accept this as a Qualified Written Request for a ; " Copy of the signed Note ''. For clarity, I am in possession of a copy of the XX/XX/XXXX " Promissory Note '', however, I have not been provided a copy of the " Note '' as referenced to in the XX/XX/XXXX letter defined above. 

Thank you - XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my XXXX  XXXX, I have identified inaccurate accounts that need reporting and correction through your company.
Product: Credit reporting or other personal consumer reports

( ORIGINAL COMPLAINT ) Alliant Credit UNION : Account # XXXX. Alliant Credit Union engaged in deceptive practices when I deposited money to make a credit card payment into their financial institution and received a receipt. Alliant however, decided despite the payment receipt and me depositing the money for the purpose of the credit card payment, that they would apply this payment to another account. This in turned caused a late payment on this account. In subsequent phone conversations, Alliant representatives assured me that this would be corrected. It has not, and as such, I am demanding that this missed payment be removed. I have attached a bank statement showing the deposit made into the account. The day after a deposit was made to the cc, the financial institution transferred the money to two separate loans. NONE of the accounts were more than 30 days. The institution caused the late payment. I have attached both my bank & credit card statements ( highlighted ) with the deposit made & paid. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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 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. 

( FOLLOW-UP ) The company has not corrected the issues to date, even after sending a letter stating that they would. I have called for months to no avail. The responsible department does not call or follow-up. The representatives state that the department only responds to emails and does not take calls. Well, they do not return internal email requests or calls either. This is an unfair practice to consumers! This negatively impacts consumer credit reports and time. I am attaching the letter received from the credit union. I would like my report to be corrected and Alliant investigated for deceptive practices and for violations of federal law. Regulatory action should be taken against them! XX/XX/2022 spoke with XXXX w/Alliant, she stated that she is filing a complaint and submitting to her supervisor, but nothing is done!
Product: Credit card or prepaid card

I have another CFPB complaint that outlines what the main issue is and right now the other issue is Chase bank has not responded to my submission of evidence when they reached out to ask for me for more. I gave them what was required to negate the faulty evidence they were supplied by the seller which is causing me to lose {$6000.00} total due to this. I have reached out in calls and Secure Messages to Chase bank to follow up but have met only unhelpful support tech support calls and I have yet to receive ANY response on my Secure Message which has been going for almost 2 months at this point. I am including the documents showing their request for more evidence which I had submitted and my message I have sent early XXXX that is still without a response.
Product: Bank account or service

On XXXX/XXXX/14 my checking account was in the negative and the bank took it upon itself to transfer funds from my joint checking account into the checking account in the negative. I did n't ask, request or authorize them to do this. Nor, did I sign anything giving them permission to do this action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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
Product: Credit reporting

Monterey financial services was the loan company that the loan for my wife 's ring was financed through when i purchased my wife 's ring on XXXX/XXXX/2011, they are refusing to take responsibility and i am in touch with an attorney to take proper legal steps to sue Monterey Financial services if they do n't want to fix the problem they have created. my wife 's ring cost {$5000.00} with interest and loan charges i paid Monterey Financial Services about {$7200.00} in total and i have bank statements to take to court if that is the route they want to take. i am again asking Monterey Financial Services through this complaint to fix and report this financing on my credit as i will not stop until it is fixed. i will also call all media outlets in the city XXXX the offices of business oversight, offices of licensing and incorporating and the XXXX XXXX district attorney 's office, this financial fraud.
Product: Credit card

This is in reference to an existing complaint that was closed by CFPB but not resolved. Complaint # XXXX. Fraudulent charges were made on the Citibank Best Buy credit card and the company initially credited the $ XXXX but then opened up two new credit cards and transferred the fraudulent charges to these cards as well as additional fraud purchases. The company also mistakenly sent a check for the refund ( mistakenly per citibank ). This check was then sent back and never cashed ( reviewed bank accts to ensure ). Citibank is now looking to collect on this check that was not cashed. We have requested that the account be closed and that all fraud charges, late charges and misc charges be removed to get this to a XXXX balance. 

XXXX XXXX - son in law of XXXX XXXX is assisting in this process to gain resolution. 

We attempted to reconcile the accounts, but Citibank moved charges and fraud transaction to a point that it is nonsensical.
Product: Credit reporting

The credit reporting agency, in spite of the fact that they have stated to the CFPB in response to another complaint that they have removed the incorrect information are in fact still falsely reporting that I have a Chapter XXXX bankruptcy. I never filed a Chapter XXXX bankruptcy. The public record shows one filing for a Chapter XXXX in XX/XX/XXXX that was successfully completed and discharged on XX/XX/XXXX
Product: Credit reporting

On XXXX XXXX I went to XXXX XXXX XXXX to purchase a car. I signed the release form to access my credit. At the dealership I received a call for an interview about my financial situation, then another interview about the fraud alert on my credit report. My credit report was to be cleaned up due to the previous complaints of inconsistent information on my credit report. I could not complete the interview because I could not remember a telephone number on the credit report. I recently circled that number on the report and told them it was not a valid number for me. Obviously, the number was not removed and caused me a problem, I had to drive back to XXXX and call the interviewer from my house phone. Completed the interview, called the dealership told The salesman I completed the interview, he said '' I will tell my boss and I will call you ''. I have n't heard back from them. It 's very clear Experian is using discriminatory practices when it comes to my name and insist on keeping me at the lowest rung of the economic ladder. I want it stopped and I want to be compensated for the continued discriminatory practices being used a against me. Any consideration given this email would be greatly appreciated.
Product: Checking or savings account

I have 2 problems with my bank.

My 1st issue is I have a dispute I had placed on my account for a charge that was authorized by XXXXXXXX XXXX XXXX around XX/XX/XXXX around the time all my identity was stolen from my place. XX/XX/XXXX ( 5 Months Later ) I get a charge on my bank account for {$6800.00}. I have no bills from them I had no calls from them. I simply received a charge with no explanation. I call Citibank to file a dispute over the charge and they say nothing but continues to hold a charge of {$6800.00} on my account as a result of identity theft. 

My next issue XX/XX/XXXX I had a random {$5000.00} from XXXX XXXX  which is a company I deal with from time to time. I immediately called XXXX XXXX to see why I was getting charged and they told the charge belonged to someone by the name of XXXX and that they could not reverse it. That I had to call the originator to reverse it. 
After several failed attempts I called my bank. I filed a dispute and it took my bank 5 Months to investigate and return my funds on XX/XX/XXXX and close the case. 

2 Months later Citibank goes in my account and debits me {$5000.00} on XX/XX/XXXX taking the funds back from me again. 
I then called Citibank to see what happened and the informed me that XXXX XXXX says they gave it back to me. Which I never received anything and they gave me no proof. I'm really tired of being taken advantage of from my financial institution. My account is overdrawn and facing closure after 4 years of good banking due to these unresolved disputes.
Product: Credit reporting or other personal consumer reports

These accounts were XXXX opened in my name without my consent or knowledge. I have tried to contact these companies multiple times to no avail. Please REMOVE these XXXX items off my credit report. Thank You! 

XXXX XXXX XXXX Balance {$140.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$150.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$57.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$13.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

My name is XXXX XXXX. Best Egg credit card account number is XXXX. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The last four digits of my social security number is XXXX. 
There is a reoccurring charge on my Best Egg credit card account from XXXX Credit Report that dates back several months ago. The subscription was cancelled within the free trial period via customer service through telephone. However, my credit card was still charged for the subscription the next month. At that time, I contacted XXXX who indicated that they could not locate an active subscription in my name, and they could not tell me the reason that the charge was continuing to occur. Without being able to locate a subscription, the rep informed me that there was no account to recall credit card account information for a refund issuance. Therefore, I contacted Best Egg to submit a dispute claim. At that time, I requested that the old credit card be deactivated and a new one issued. I received a new card with a new account number. Nonetheless, the charge has continued to occur. 
Today on Friday, XX/XX/23 at around XXXX XXXX, I contacted Best Egg to find out how to prevent these charges once and for all and to file yet another dispute for the months that the charges have continued fraudulently. I spoke to a rep who stated that his name was XXXX, rep ID number XXXX in the Fraud department. XXXX was very rude and insisted that I had to have a subscription with XXXX. He also insisted that I would have had to have received an email from XXXX confirming cancellation. He commented that XXXX was a huge company, therefore, I would have had to have received written correspondence from them. In essence, XXXX was implying that the dispute that I filed months ago and the information I provided at that time was not valid. I then asked to speak with a Supervisor for escalation. XXXX stated that a Supervisor was not available. I then asked to speak to another representative in the Fraud department. He stated that he was the only Fraud Specialist in the department due to it being the day after XXXX. I told him that I did not wish for him to file the dispute, and that I would call back to speak with a Supervisor. When I called back, I spoke with a rep who stated that she was in fact in the Fraud department but would need to place me on hold due to a security block being placed on my account. After holding for nearly 15 minutes, she came back on the line to state that she would not be able to continue with the call due to the security block until I validated my account by uploading a copy of my driver 's license and a recent utility bill. In all the time that I have had my Best Egg credit card, account security has never been a question. It is clear that the previous rep XXXX placed the block on my account in retaliation after I insisted on speaking with management or another team member within the XXXX department.
Product: Debt collection

I contacted XXXX XXXX  in XX/XX/2022 to check to see if they could fill my propane tank, as I moved into my house in XX/XX/2022 and it was empty just before XXXX day. They took all of my information and said someone would call me to setup a call but it may not be for a few weeks. I let them know I needed service within 1-2 days and they said someone would call me with emergency service departments. 

In the meantime, I found another company, XXXX XXXX who was able to come out the same evening as my call and filled my propane tank. 

A few months later, I began receiving calls and bills for propane service. I let them know we already had another company come out months before. I spoke to multiple supervisors and asked them to take me off their list. Then, I received this collection notice for a very high amount. My propane tank is XXXX gallons which is about {$700.00} to fill, no where near {$3700.00} despite the fact XXXX XXXX has never stepped foot on my property nor been engaged or contracted to fill. 

I believe they used my information gathered on the XX/XX/2022 call to create a fraudulent account. 

Propane was filled XX/XX/2022 by this vendor, who can be reached to confirm service : XXXX  XXXX XXXX ( Owner ) : ( XXXX ) XXXX XXXX : ( XXXX ) XXXX Website : XXXX XXXX XXXX Email : XXXX XXXX