23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I applied for a mortgage loan on XXXX/XXXX/XXXX. I was denied, in part, based on ratio of balance to limit on revolving accounts and amount owed on delinquent accounts ( XXXX of attachment ). While I have managed to correct much of the incorrect information, I was unable to get XXXX Chase account corrected. on page XXXX of the attachment is a Chase account that shows a limit {$5000.00} and a past due balance of {$3200.00}. The problem is that Chase made a decision on XXXX/XXXX/XXXX to discharge the debt and cancel it as shown on page XXXX of the attachment, a XXXX which I paid federal and state income taxes on the discharged amount as required by law. When I received the credit report from XXXX ( XXXX of the attachment ) on XXXX/XXXX/XXXX, I disputed that there was an open account with a credit limit and balance past due as the report clearly indicates the account is closed, so there would be no credit available and since the debt was discharged there could be no balance, past due or otherwise. I received the dispute results from XXXX on XXXX/XXXX/XXXX ( pp. XXXX of attachment ) and it indicated that Chase verified the closed account with a credit limit of {$5000.00} and a past due balance of {$3200.00} with XXXX and XXXX XXXX had no record of the account. On XXXX/XXXX/XXXX, I contacted Chase to discuss the issue. The Chase customer service employees that I spoke to agreed that the account was closed, that there was no available credit and that the debt had been discharged. However, the credit reporting employee that I spoke to stated that since I did not settle this debt, even though the debt was discharged and there was no longer any attempt to collect, the past due balance would remain on my credit report for a full XXXX years because they could. I explained that I had settled XXXX other accounts with Chase, the employee checked and confirmed that was true. I asked how this could be held against me since this was Chase ' decision to discharge and I was never given the opportunity to settle this account? It was obvious that I was making every effort to resolve everything but Chase decided on their own to discharge this debt without an attempt to settle and now is holding it against me. He stated because we can. It is patently unfair for this account to be shown as having a {$5000.00} limit and a past due balance of {$3200.00}, when in fact that is false. Thanks in advance for your assistance in resolving this. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these inquiries in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting inquiries as unverified information without providing any proof within the period allowed by law. The following inquiries that need to be investigated and removed from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian inaccurately reports a XXXX XXXX account to my credit file. The following account was allegedly charged off in XX/XX/XXXX. Since then it has repeatedly been updated as charged off every month. This is an update to the payment history of my credit file ; which to my understanding, charged off accounts should NOT include an active payment history. This falsely manipulates the statute of limitations and violates my rights as a consumer per the FCRA. 

I have already spoken to a representative via telephone, and have explained that this invalid account is hindering my ability to obtain new accounts and costing me thousands in interest each year due to their mistake. They advise me to send a dispute letter via mail, which I do, with no response. 

This account has not been reported to XXXX or XXXX, only Experian, and the company refuses to delete this account from my file. I even paid XXXX XXXX {$120.00} ( proof was mailed to Experian ) in attempt to settle and close/ delete the account in XX/XX/XXXX but again, Experian refuses to respond or delete the account. 

I have tried numerous times to dispute this invalid account with Experian, only to receive no response and no update to my disputes. My last dispute letter was mailed to Experian on XX/XX/XXXX with no response and no attempt to investigate further into this matter, which is a violation to my rights as a consumer. 

I am demanding a deletion of the following account immediately : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Stores have reported that I have opened an account No. XXXX on XXXX XXXX, 2013, for a line of credit of XXXX XXXX Dollars ( {$100.00} ).

XXXX clamied that I made a purchase for XXXX Dollars ( {$40.00} ). 

I did not open the account. I did not make purchases from XXXX. Also, I received no bills or any information from XXXX indicating that I owe XXXX any due and outstanding amounts. 

I only found about this account when it showed up as a negative mark on my credit report. I wrote to XXXX to request more information or copy of the bill. XXXX failed to respond. 

I disputed the matter through Experian credit agency. XXXX refused the dispute and affirmed the negative account. 

I request XXXX to produce the charges I made and XXXX bill that it had been sent to my address of record. XXXX failed to do so and should remove the negative report.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15U.S.C 1681. 

XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXXXXXX Account # XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX/DEPT OF ED Account # XXXX, XXXX, XXXX XXXX XXXXXXXX, Bankruptcy XXXX  XXXX Case Account # XXXX 15 U.S.C. 1681 Section 602A states that I have the right to privacy.

15 U.S.C .1681 Section 2 604A states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. Section ( a ) ( 5 ) 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 for crimes that antedate 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

In XX/XX/XXXX, my husband made a purchase at an online retailer with XXXX. The credit card issuer is XXXX XXXX XXXX. I receive paperless statements, and went to my online banking system to pay them. This account is used once or twice a years. My online bank indicated I paid the bill on the XXXX of the month, which was outdated information. The due date apparently was the XXXX. The full balance was paid, 3 days late. In my mind, I paid the bill, and forgot about it. XXXX XXXX through XXXX XXXX  contacted me at my email, ( which I never received ) indicating that I did not pay my bill on time, and continued to assess late charges and fees. When I was alerted by Equifax, on or about the XX/XX/XXXX that this was on my credit report, I called XXXX, and settled the dispute with them. They erased all charges. I spoke with two different representatives that told me they could not contact the credit reporting agencies on my behalf, and gave me an address. I wrote a letter, and copied Equifax and XXXX. I received an email from XXXX, which is attached, and I can not open the response.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. XXXX account XXXX, XXXX XXXX XXXX Violated my rights Federal Protected consumer rights 15.U.S.C 1681 section states i have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 : states. Its also states consumer reporting agencies can not furnish account without my written instructions.

15 U.S.C 1681c [ a } [ 5 } Second states no consumer report agency may make any consumer reporting containing any of the following items of information any other adverse items of important. Any other items of In accordance with the fair credit reporting act. The list below has Below has violated my Federal Protected consumer rights To privacy and confidentiality under 15 USC 1681 rights. 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 a consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

Sensitive information was divulged without permission due to hack. Company ( Equifax ) internal security is flawed and inadequate leading to breach. I am currently in military active-duty stationed in XXXX XXXX and TrustedID credit monitoring service for 1 year does not seem adequate ; also terms of service limiting future legal rights/arbitration seems unethical and unfair.
Product: Checking or savings account

On Friday XX/XX/XXXX, between the hours of XXXX I went to the US Bank ( XXXX XXXX XXXX XXXX XXXX, KS XXXX United States ) and deposited {$970.00} cash into my savings account. A week later when I checked my mobile bank app to look at my funds I noticed the {$970.00} that I deposited never actually showed up in my account. It never showed up in either my checkings or savings account. I immediately went to the bank and gave them all my information to pass on to the bank manager, who was going to contact me later. After a few days of the manager not contacting me I called again and the branch manager said he was never given any of that information and he was going to go ahead and look into it for me and hed call me back within 3 days. After 5 days I called and spoke to another manager who said she would look into it. After another few days past with no calls I tried repeatedly calling the branch without hearing from anyone. 3 weeks later ( after the initial deposit on the XXXX ) I went up to the bank to talk to the branch manager in person. He informed me he forgot to call me but that he did look into the day in question ( Friday XX/XX/XXXX ) and saw that there were no transactions for any of the tellers for the amount in question ( {$970.00} ). At this point I asked if he could check the security footage and to that he said he didnt have access and hed have to put in a request and that it probably wouldnt help because they dont know what I look like. I then said Id like to file a complaint and he said to file a complaint about lost money Id need the receipt, and of course I dont have the receipt and if I did I wouldnt be having this problem. My concern is, that if the branch manager did actually look into all of the transactions on XX/XX/XXXX and there were none for the amount of {$970.00}, then someone must have done something with my money. At this point I am tired of dealing with the branch manager because he doesnt seem to be that interested in helping me and repeatedly questions me on whether I have the date correct or if I have the branch correct. There is no doubt in my mind that it was that exact day and that exact branch. Either the manager never actually looked into it, or somebody walked away with my money without putting it into the system.
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX, has violated my rights. XXXX XXXX Account # XXXX, Has violated my rights. 15 U.S.C 1681 section 602 ( A ) states That I have a right to privacy 15 U.S.C 1681 Section 604 ( A ) section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681 ( C ) ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information any 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. 15 U.S.C 1681 s-2 ( 9 ) A person whose primary business is providing medical services, products, or devices, or the persons agent or assignee, who furnishes information to a consumer reporting agency on a consumer shall be considered a medical information furnisher for purposes of this subchapter, and shall notify the agency of such status. I also have provided proof that shows I had XXXX  insurance with a total different company than what XXXX XXXX XXXX reports.
Product: Credit reporting or other personal consumer reports

IVE RECENTLY REVIEWED MY CREDIT REPORT AND NOTICED SEVERAL UNAUTHORIZED INQUIRIES.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX violated my consumer rights. 

15 USC 1666b : timing of payments says, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose so XXXX XXXX XXXX has violated this law because this late payment is reporting on XXXX and TransUnion. 

15 USC 1681a ( 4 ) says, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy so XXXX XXXX XXXX has violated this law because this late payment reporting on XXXX and TransUnion is a violation of my right to privacy because I didnt give them permission to report it publicly. 

15 USC 1681a ( 2 ) ( a ) ( i ) says, The term consumer report does not include transactions or experiences between the consumer and the person making the report so XXXX XXXX XXXX has violated this law because they furnished this EXPERIENCE to XXXX and TransUnion and I didnt give them permission to do so.
Product: Checking or savings account

XX/XX/2022 I deposited {$400.00} in Key Bank atm so I could pay my rent. The ATM took my cash and the screen said to contact the bank the next business day because it couldnt process my deposit. I called the XXXX number immediately. My rent is due on the XXXX, no exception. When I went in the bank the next morning, they were rude and told me I had to wait 3-10 business days. Now I have an eviction notice on my door. 
The bank is giving no help as to when my money will be available. And its already been days with no communication. And this is the 3rd time this has happened
Product: Checking or savings account

I'm looking for any canceled check with a value of 5K or higher in value from XXXX & XXXX. TO be specific I'm looking for a {$10000.00} check from XX/XX/XXXXaround XX/XX/XXXX or XX/XX/XXXX time frame A {$5000.00} check from XXXX from around the same time period. 

So about 6 to 7 months ago I called Chase inquiring about looking for cancel checks records from XXXX & XXXX I called Chase online and had the unbelievable luck to find an employee who was willing to go that extra mile. It took about 1/2hr,  but she told me to write to the following : Chase Bank Image Retention Mail Code - XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX For cancel checks or documentation from over 10+yrs ago The letter should include my account number, date ranges or figure or amounts and or dates that you were looking for. 

She said to be specific as possible or try to be as detailed as possible. in your letter. 
Unfortunately, I didn't do this right away and I waited Fast forward to 2weks ago when I thought I had misplaced the information, I called Chase and I was told that there was no place to recover records that are past 7/8yr old. I lucky and found my notes on the above address and suggested that the Chase Rep update her or the group they record. in case other CHASE CLIENTS needed or wanted to locate canceled checks or bank records that 10+yrs Last week I was in the process of drafting that letter and I happened to just look online and google the address and googled Chase in XXXX or the address and I and found out that the address in question was a Chase facility however it is now a vacant building in XXXX   All the comments & post online seem to be asking the question where all the departments & people did who had worked at building relocated too. 

I called Chase back online to inquire about what had found out and to inquire about an updated address for Image Retention department which most Chase employs have never encountered or know about. Thus, I was told again that there is no way to get bank records that are 10+yrs old. 

I'm looking for Image Retention that used to be at the above address or I'm looking for where to go to get information on any canceled check or statements with a debit entry value of 5K or higher value that was processed in XXXX and XXXX. 

To be specific I'm looking for a {$10000.00} check from XXXX, around XXXX or XXXX time frame A check XXXX around the period.
Product: Money transfer, virtual currency, or money service

I made a charge of {$20.00} on XX/XX/22 at XXXX on the XXXX XXXX XXXX website using my XXXX XXXX. At the time, I had selected a 'boost ' for 5 % back on online orders at XXXX XXXX XXXX. The boost showed as 'expiring now ' and was still attached to my card. I immediately knew there was an issue when the charge authorized because I didn't get notified that my boost had been applied. I contacted support right away. The first agent told me that I didn't have the boost selected before I made the charge. I wrote back and another agent provided boiler plate information about looking at a boost 's expiration date. I asked to escalate to a manager who in turn reviewed my chat and said could not offer anything further. I indicated that I would be filing this complaint. 

I am owed the 5 % on my purchase. The boost was still clearly attached to the card. I attempted to take a screenshot because I thought the wording was odd ; however, the app prohibited me from taking a screenshot. If the boost was indeed expired, it should have no longer been attached to my card or at a minimum, said 'expired '. It's reasonable to assume 'expiring now ' means it is still valid. I feel deceived.
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 DEPT OF EDUCATIONXXXX : XXXX DEPT OF EDUCATION/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 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 XXXX Credit Card ending in XXXX is not showing on my Equifax credit report.
Product: Money transfer, virtual currency, or money service

Paypal declined my {$60.00} refund request. 

Transaction ID # XXXX on XX/XX/year>2024 Paypal dispute # XXXX XXXX XXXX a purchase on XX/XX/year>2024 paying with my bank account through paypal. The seller was dishonest and advised that he had something that I asked about. He did not, so I immediately asked for a refund. He said he would give my refund but never did. I opened a dispute with paypal. I ended up escalating the dispute to get my refund. I provided paypay with many chats between the seller and me showing that he/she would give me a refund. Paypal refused to be ethical and give me a refund. Paypal unjustly sided with the seller. If they had taken the time to see that the seller lied about having what he said he had and had taken the time to read that he agreed to refund my {$60.00}, they would have given me a refund. I repeatedly asked for a refund because I already found and paid for another provider. I am unable to use what I purchased because the seller didn't have what I ordered. He flat out lied to make a sale. I should not have to wait for days for him to get his or her products in order. They should be ready to sell and ready to go as-is. I won't be paying anything via paypal again. I see how unethical they are. I did not get what I was promised and what I paid for. I need my {$60.00} refund because I can not use the service. Why is paypal making me pay for something that I can not use? It is different from what I purchased and what the seller said I was purchasing. Before I purchased, I asked if there were XXXX channels. The seller replied there were many. That was not true, so I did not purchase what I thought I was purchasing. See my attached chat history.
Product: Credit reporting or other personal consumer reports

I am contacting the CFPB to assist me with removing this fraudulent account on ALL 3 of Credit Files ( Equifax, XXXX, and XXXX ). 

Per 15 USC 1681, governs accuracy, fairness, and the privacy of personal information assembled by Credit Agencies. I have attached a copy of the 1009-C sent to me from XXXX, XXXX XXXX received on XX/XX/2024. The 1099-C proves that this debt shall be removed from all 3 of my Credit Files because it shows the debt was discharged and needs to be removed upon receipt of this complaint. 

My claim is evidenced by the attached 1099-C from the Creditor XXXX XXXX.