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

in XX/XX/XXXX i went to XXXX XXXX XXXX XXXX to open an account to deposit funds i was going to use to repair my house, and when the teller said to me i could get a credit card i said i was not interested in a credit card them i did not think anything of it so i went on and few days later i notice a inquire on my credit report i ask XXXX XXXX XXXX and they gave me some kind of mumbo gumbo so I let it slide and then XX/XX/XXXX i had a hurricane damage to my house so i had FEMA flood insurance they took care of the part iwas in insured for and they told me i had to file a claim with my insurance company for the other damages to my house so I did they did not pay enough for all the damages I contact fema and told me to fill out a small business loan i told them i did not want a loan they said that was a procedure and that would not have to start the loan process and i for got about it until i seem and inquiry on my report and i call equifax and they said it was the USDA i call them and they said they did not do it so Equifax lied they were trying to get me to get a mortgage loan and i said i did not apply for a loan and they have not did anything yet
Product: Credit reporting or other personal consumer reports

I did not request that XXXX pull my credit for XX/XX/year> or XX/XX/year>. 

I have contacted them and they have not been removed. I do not know what these are for and ask that you please remove these hard inquires immediately from my report as they are hurting my credit and this is unlawful to have them published aas they are inaccurate. 

I did not even need a home loan in XX/XX/year> when the first one was pulled and I did not authorize the hard inquiry from them again in XXXX and did not follow up or utilize any loan from this company. 

According to the Fair Credit Reporting act, " You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. See Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the companies and I received no reply back, I also disputed the matter directly with the Checking account reporting agency ChexSystems and nothing has changed. 

Date of Closure : XX/XX/2017 Closure Status : UNPAID Closure Status Date : XX/XX/2017
Product: Debt collection

My name I XXXX XXXX, I '' ve Been dealing with this never ending debt collector that keep on selling my account from one to another. somebody stole my identity start from XXXX XXXX. I never known and never have any business with this company. this company does not even have a service in Ca. the problem was resolved after i report to FTC and CFPB. but now they keep on selling my account to another Debt collector company which is RADIUS GLOBAL SOLUTION the address is XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX. Please FTC and CFPB help me. This is ruin my credit that I've been keeping in perfect standing for so hard. I attached document from previous case. somebody using my name live in XXXX XXXX. I never live and have any relative or friend who live in XXXX XXXX. Thank you CFPB.
Product: Credit reporting

I have asked the credit bureaus to validate the bankruptcys on My credit report. Their response has been they have validated the items. They responded that they did. I spoke to them on the phone and Asked how they verified the information. Their response was they used a 3 party to validate these claims. They would not say who this third party was. I spoke with the clerk of courts and they do NOT supply the credit bureaus with this information when I disputed the items. Not only that the address supplied by the credit report company is in accurate, thus another reason why these items need to be removed. When these items are validated by a 3rd party we do not know how many other parties are in the string of validation and does not come from the original source. I feel This is violation of the fair reporting act which clearly stated this information needs to be validated directly from the source. By using another credit reporting to validate a debt is NOT verifying a debt!
Product: Checking or savings account

I have a Chime checking, credit and savings account. I spoke to 2 representatives and 1 supervisor and all put me on hold and never returned to the call after I wanted dispute their MyPay feature. I was sent 2 different automated messages stating my MyPay has increased to {$70.00} dollars but they kept {$50.00} and only provided me with {$20.00}. I asked where is the rest of my MyPay they starting talking over me and placed me on hold without the proper protocol then left me on hold for 30 minutes. One representative told me to wait an hour and the {$50.00} should be there but it was not. Someone at their company has dipped in customers account info and took the {$50.00}. I truly believe this because no one could give me a honest answer started talking over me then placed me on hold never to return back to the call. Something is very strange about their representatives not listening and taking customers complaint into consideration. Theyd rather put you on hold and keep you there until you hang up. I even heard them come back to the phone heard I was still on the line and placed me back on hold. All I want is the {$50.00} I am missing and if I cant get that Im willing to go the individual arbitration way in small claims court if nothing is done.
Product: Credit card

After the Bank of America contacted me about my stolen CC card from the XXXX card and provided me with the information that my card was being used in New Jersey, I verified that I had not received the card, used it myself, or had not authorized anyone else to use my card. 
The card was stolen in the USPS system and was never delivered to me in XXXX at my address : XXXX XXXX XXXX. XXXX XXXX, XXXX, NY XXXX. The card was also activated by Bank of America and was ready to use for any transaction, which I did not know about or agree to. I have filed a claim with the FTC report XXXX. In addition, I have opened a case with the Postal Service, Inspector General to investigate the theft of mail, which occurred between XX/XX/XXXX and XX/XX/XXXX. Also, I have reported this to the XXXX to let them know that the Bank of America is not following guidelines for crediting me back for fraudulent charges on my account due to theft. The bank sent me a new card with the same activated conditions. The 2nd replacement card was active and ready to use upon receipt. No security or verification was added to the 2nd CC card the bank sent. Then after I opened the new account and set up the BoA app., the bank sent a resolution letter stating that they can not credit me for the fraud and I would be responsible for all fraudulent charges on the account. Bank of America is not honoring the rights of its cardholders and refunding fraudulent charges due to their own incompetence. Sending active CC cards in the mail with no security or verification settings is simply not OK!
Product: Credit reporting, credit repair services, or other personal consumer reports

A repo collateral so debt was paid and still won't remove off my credit being over 7 years and they still applying it to my credit would like for it to be removed
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XX/XX/2024 Re : Jefferson Capital Systems Collection Agency RE : Dispute and Complaint Regarding Violation of Consumer Rights Violation To Whom It May Concern, I am writing to formally dispute and challenge the collection activities carried out by collection agency Jefferson Capital Systems in connection with an alleged debt that has been reported to consumer reporting agencies. It has come to my attention that the agency has violated several provisions of federal laws, including the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

First and foremost, I am deeply concerned that the agency has failed to provide the validation information required under 12 CFR 1006.34 ( b ) ( 5 ) before placing the collection account on my consumer report. This violation undermines my rights as a consumer and is a clear breach of federal regulations designed to protect consumers from inaccurate and unsubstantiated debt reporting. 

Moreover, I have not been afforded the opportunity to dispute the alleged account in accordance with 12 CFR 1006.34 ( c ) ( i ). This collection agency 's actions in this regard not only deprive me of my right to challenge the accuracy of the debt but also constitute an unfair and deceptive practice under the FDCPA.

In addition, the agency has failed to provide the necessary disclosures required by law before furnishing the account information to consumer reporting agencies. This lack of compliance with 12 CFR 1006.34 ( d ) and 15 U.S.C. 1681s-2 ( 7 ) ( A ) is a serious violation that jeopardizes the accuracy and integrity of credit reporting systems. 

Furthermore, I hereby revoke any authorization for communication via email, text, or phone calls as per my rights under the FDCPA. 

In light of the foregoing, I am formally requesting the following actions to be taken : 1. Immediate cessation of all collection activities related to the alleged debt pending the outcome of a thorough investigation into the violations outlined in this correspondence. 

XXXX. Validation of the alleged debt as per the requirements of 15 U.S.C. 1692g, including but not limited to the original creditor 's purchase agreement, account statements, and any other documents supporting the validity of the debt. 

XXXX. Proof of the agencys licensure and bonding as required by applicable state laws and regulations. 


I trust that your agency will take this matter seriously and address the concerns raised. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I took out a loan with Pocketfund. I could not pay them back. I submitted a complaint to your organization for help because they put a collection on my credit report for nearly three times the amount I borrowed, which was {$1000.00}. I was able to settle with them for {$1000.00} and they removed the collection. Problem is I have now paid {$2000.00} to them. They have access to my bank account. I have tried emailing and calling for over 2 months. I can not get an email response. They do send a thank you for your payment email every 2 weeks. When you call it hangs up on you before you can leave a message. I need help!!! I know I can do a stop payment with my bank however from past experience with them, they will turn around a do a RCC ( Remote created check ). I do have proof from my bank statements that I have paid this much.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX  XXXX Visa credit card account # XXXX is lost/stolen and all the charges/transactions on the account is fraudulent, unauthorized, not my charges and dont belong to me. This lost/stolen credit card account appears on my XXXX XXXX, Experian and XXXX credit report.
Product: Vehicle loan or lease

I purchased my XXXX XXXX XXXX in XXXX of XXXX, new XXXX miles. My vehicle has been service by XXXX XXXX XXXXXXXX since the first Oil change, granted I have a lot of miles ( XXXX ) but the reason I bought the XXXX is because of it's durabilty and I have owned many XXXX XXXX in the past. When I brought my XXXX in to be service at XXXX they change the timing belt and service my transmission. The cost was over {$2700.00} and I gladly paid it because I knew I needed the work done. approx XX/XX/XXXX my car was having trouble with the dash board, lights where going off, I called the XXXX dealer and schedule a check-up they told me the car probably needed some updates. Before I could take it in to be service the car stopped and wouldn't shift into drive, I towedthe car to nearby XXXX XXXX XXXX XXXX, the car has sat there for a little over a month, I have been in touch with Acura Customer Care, attempting to get them to give me a Good Will Credit to repair what the dealership is saying is a faulty transmission ( cost {$7900.00} ) mind I have neededa rental for the entire time my car has sat at the dealership ( {$1100.00} ) and counting. My car is finance through Acura Financial and I have paid the XXXX thousands of dollars to have my car service for over 4 years.
Product: Credit card or prepaid card

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

American Express, have 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 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 card

Kindly review the attached documents. I am requesting the bureau to begin an investigation into these accounts, as there has never been a late payment, despite the inaccurate reporting.
Product: Debt collection

I received a bill from Penn credit Corporation for collection of {$700.00}. I never opened or used XXXX XXXX in Texas or any other state. 

Account # XXXX XXXX XXXX -- residential property Invoice # XXXX
Product: Checking or savings account

Chase problem! 
On XX/XX/XXXX, when I found my card was not working when paying for my meal, I called chase, and they said there was a problem ( unable to disclose to me ) so they decide to end relationship with me, close my card. 
The bank said the remaining funds would be mailed to me in 15 days, and I confirmed this to a banker in a nearby branch. 
But when I went there again XX/XX/XXXX, they say the funds are still in card ( {$7100.00} or so ) and no check was sent out. The account was official closed in XXXX XXXXThere was no way that they can contact manager or someone from XXXX, because even through internal phone call there superiors told that they did not understand why this happened. 
I tried phone the customer service, every time they said it is under review, and may take to XXXX  days. I consult a friend on social platform he said it took XXXX year to get the fund back, which is ridiculous. 

Currently, I demand the bank to process the fund and refund to me in a month. I will not ask for reasons for account closing cuz it is already closed.
Product: Checking or savings account

On XX/XX/2022, I was a victim of check fraud. I wrote a check in the amount of {$26.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX It appears someone fished the envelope out of the mailbox and altered the check to the amount of {$1700.00} made payable to XXXX XXXX XXXX. This check was cashed at a XXXX XXXX  XXXX XXXX. 
I reported this to my Chase branch and opened a claims number XXXX on XX/XX/2022. I was informed it may take between 60-90 days for XXXX XXXX XXXXXXXX to investigate and respond, so I waited. I subsequently called Chase 's Claims department at ( XXXX ) XXXX option 3 in XXXX and was told they will send a follow up to XXXX XXXX  XXXX. I received no calls from Chase for months, so called back again in XXXX. I received the same response from Chase Claims that all they can do is send another follow up to XXXX XXXXXXXX XXXX. I proceeded to call XXXX Claims again in XXXX, XXXX, and now XXXX. Still no resolution and the same status that Chase is waiting for XXXX XXXX XXXXXXXX to respond. 
This is extremely frustrating to say the least and while {$1700.00} is not a large amount of money to a big bank like Chase or XXXX XXXX XXXXXXXX, it is for a senior citizen like me on a fixed income. I've expressed this to Chase and all they can do is say sorry. My last resort is to file this complaint in hopes that something changes in the ways large financial institutions protect their account holders, especially seniors. It's really not acceptable to have no ability to do anything besides send follow ups that go unanswered.
Product: Credit card or prepaid card

I applied for a credit card with an XXXX Guest Reward Mastercard from Bank Of America and my application was denied. At the time of my application, my credit score was XXXX. This credit is considered to be very good given that I have excellent payment history and low debt to income ratio. 

As a result of applying for this credit card, my score was mysteriously lowered to XXXX. 
Bank Of America sent me a disapproval letter stating that my score was XXXX and not the score that was current at the time of my application. Which means that my credit score was not referenced at the time of my application. 

The reason given for the denial was that : -You do not have a sufficient number of established credit references -There are too many inquiries on your credit files ( Note : I have at most 2 inquiries ) -Limited deposit and/or investment balances with us and/or our affiliates.

I have concluded that Bank Of America is operating with a nefarious intention or XXXX discrimination in denying my application or they did not want to honor the offer of XXXX XXXX points in with opening an account a rewards Mastercard. 

Bank OF America also stated in an email that I had requested a balance transfer with the application, which I didn't Bank Of America has already being found guilty of consumer fraud in New York and ordered to pay XXXX XXXX Dollars. 

So I will be following up with other legal means to stop this XXXX fraudulent institution.
Product: Vehicle loan or lease

I went to finance a vehicle with 112 certified I was told I would get something in my price range of around XXXX I do have XXXX XXXX and did not comprehend the contract from what I understood to be payment of XXXX came out to be XXXX and I spoke with them right away and was told they would stop loan process so they have possession of the car I dont and they knew I could not afford the vehicle after stating they would cancel with the bank now they are trying to push a loan anyway they I could never afford and are trying to scam me I seriously need help they gave me no paper work no receipts or anything and trying force me into paying for used vehicle for almost {$30000.00} I have mortgage for XXXX and only make XXXX a month please I need all the help I can get
Product: Credit card or prepaid card

This particular account situation that is lately filing on my own credit document has a seriously unfavourable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that CAPITAL ONE BANK USA has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreover, I was never 60 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your confirmation of the aforesaid item too. My proper request must be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Credit card or prepaid card

Synovus is not telling the truth. I contacted them by phone and they have sold my debt to a collections agency, and they are not trying to settle this debt. The collections agency SYNOVUS hired can not keep up with the demand or volume of customers they are assigned to collect from, and it's unfair that I can not reach anyone on the phone to settle this debt. This debt should be written off and I should be allowed to make a fresh start because SYNOVUS has already destroyed my credit and charged off this debt. SYNOVUS should not be allowed to operate in this manner against consumers.
Product: Debt collection

RE : Account # XXXX XXXX of XXXX. In XX/XX/2015 I was referred to Integrated by the VA through the VA Choice Program which allows Veterans to see a doctor outside of the VA Medical System if an appointment with the VA can not be obtained within 30 days. I informed Integrated that ALL of my medical expenses are paid by the VA because of my disability rating. Despite that and numerous conversations with XXXX and subsequently with the collection agency it referred my account to for collection - Choice Recovery - they refused to submit my claim to the VA and instead reported it to the credit bureaus. I want this credit report removed from my credit record. Your bureau is my last resort short of a formal complaint I will have to file with the courts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights as a consumer. 

15 USC 1681 Section 602 States I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Upon thorough examination of my credit report, I have identified hard inquiries that are unfamiliar to me. Subsequently, I have initiated contact with all three Credit Reporting Agencies, requesting either their removal or a thorough investigation into these inquiries. Enclosed herewith is an FTC report detailing the unauthorized inquiries, inclusive of those delineated in the personal Statement section, which warrant expeditious removal from my credit profile.

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquires, Except as provided in section 15 USC 1681g ( a ) 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with credit or insurance transaction that is not initiated by a consumer 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
Product: Credit card

I have a CapitalOne VentureX credit card. On the CapitalOne shopping portal, I saw an offer to sign up for the XXXX investment platform. The offer stated I would get XXXX CapitalOne miles after signing up for XXXX, and another XXXX miles for becoming an accredited investor on XXXX. 

I saw this offer on XX/XX/XXXX after signing in to my CapitalOne account. I immediately signed up for XXXX, and submitted paperwork required to become an accredited investor. I have confirmation emails from XXXX. 

The CapitalOne shopping portal shows my shopping trip, but does not show it as completed. XXXX XXXX or CapitalOne is not crediting the signup and accredited investor step. Ive contacted XXXX, they said this is a CapitalOne promotion and I need to contact them. Ive contacted CapitalOne, they said they arent seeing my visit in their system, although their shopping trips function shows it.