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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : {$19000.00} ; XXXX  XXXX XXXX Balance : {$2200.00}.
Product: Credit card

I was charged XXXX on my Venmo account from an unknown apple bill. I checked and it was a subscription for some random company I have never even heard of. I tried to dispute this charge with Venmo, and they just blocked my Venmo card. The purchase was made on XX/XX/2022 and I have been fighting this case ever since.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because on XX/XX/2021 I requested validation of information reported by LCI to the Credit Bureaus. Based upon my own personal research it appears that LCI is in violation of multiple consumer laws by furnishing unauthorized, and unverifiable information on my behalf without my written consent. By reporting this information, it has terribly harmed my ability to obtain credit and caused great harm to my financial well-being. I demand that this information be deleted based on the premise that the company is not following the consumer laws guidelines. The item in question is an alleged XXXX XXXX Bankruptcy. I demand LCI delete and remove this unauthorized, inaccurate, and unverifiable information on all company consumer reporting lists. I have attached my supporting documentation to this complaint. It is my understanding that you will recheck these items. Under Disclosures to consumers 15 U.S.C. 1681g ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to section 1681h ( a ) ( 1 ) of this title, clearly and accurately disclose to the consumer : ( 2 ) The sources of the information. Further, under Compliance procedures 15 U.S.C. 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. You, LCI are in violation of multiple consumer laws : 15 USC 1681 ( a ) ( 4 ) Infringed upon a consumers rights to privacy, 15 USC 1681b ( a ) ( 2 ) No Permissible purposes/No written instruction from me the consumer to furnish this information, Failure to furnish an Investigative consumer report per 15 USC 1681a ( e ) upon my request. I never gave LCI any written consent to report anything on my consumer reports, no consent is fraud. I am also requesting by law LCI must provide me with their Investigative consumer report per 15 USC1681 a ( e ) as required by law.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed bankruptcy only one was XX/XX/XXXX, My Trans Union was discharged.

( See Attached ). They change dates and switch names now to XXXX XXXX XXXX. The last time attend College was in XXXX. They are still reporting incorrect information.
Product: Debt collection

CKS Prime Investment has an open account on my credit reports the debt reported on my credit report are invalid for the following amounts {$740.00} which is included in my Chapter XXXX bakruptcy which was discharged on XX/XX/year>. They are reporting on all XXXX credit reports as open and need to be removed immediately. I have contacted several times with no success.
Product: Credit card

I implore you to look into the unfair business practices and illegal marketing practices Amazon uses to draw customers in and that CHASE derives benefits in throwing them into a high interest rate card. I was shopping for XXXX gifts and as I went to check out, Amazon offered me a 0 % 12 month interest free promotional option, I clicked on it, answered a few questions and the proceeded to check out. Received a credit card a few weeks later that had AMAZON on the front, and Chase on the back. I did not think anything of it until I realized that I had been paying 19.49 % interest the entire time on the entire amount including what I purchased through the promotional offer. There was nothing in this entire process that led me to think I would be getting an interest rate at all ; and no way would I have applied for a 19.49 % interest rate. No one from CHASE can supply me with a screen shot of my application, there was no discussion of not getting the promotional offer and nothing to let me know of this bait and switch ( offering one interest rate but throwing you into another ) practice. Chase will not supply me with their record retention or consumer grievances policies as those are considered " proprietary ''. Chase said that Amazon has many cards and so when people think they are getting the promotional offer that is only if they get the " amazon shop card '' given the card they sent me says Amazon on the front of it, this is also a deceptive practice. No where in this short promotional opportunity process was there any discussion of this. amazon sucks you in, Chase benefits by throwing you into a high interest card. One Chase representative said that this was not the first he had heard of this problem.
Product: Credit reporting or other personal consumer reports

I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Checking or savings account

I have been having an ongoing issue with Wells Fargo bank. They keep ignoring my complaints. They keep saying the same thing over and over. I have money missing from my bank accounts. I have both a checking and savings account. They keep saying that I had 30 days to report any errors. I surely did. As soon as I had found errors I had called them to file a complaint. They have even said that I was not within the time frame of reporting the errors. I had called them as soon as I had found out.
Product: Credit reporting, credit repair services, or other personal consumer reports

The three credit bureaus are reporting information from these organizations that are obsolete. They are reporting these accounts as if they are new accounts. I am asking for all of the accounts associated with the following companies to be deleted. I am asking for the three credit bureas to request the origination and payment history in support of my claim to support that none of these companies should be on my credit reports. If they request this information they will see that the timeframe would also support deletion as they are obsolete accounts. Also there is an address reporting on XXXX that has never been my address XXXX XXXX XXXX XXXX, CT XXXX, I am asking for it to be deleted. 
XXXX XXXX XXXX XXXX XXXX FUNDS DEPT OF XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was trying to transfer money to my girlfriend 's bank account in the XXXX XXXX using Remitly. I have used Remitly dozens of times to successfully send money to her that was picked up at XXXX XXXX. I chose to send directly to her account on this occasion because the amount ( {$14000.00} XXXX ) was large, and I didn't want her to pick up that kind of money at XXXX XXXX. The transfer was made on XX/XX/year>, and as of XX/XX/year>, the money still isn't in her account. 

I have corresponded with Remitly via chat on seven different occasions and have a transcript of each chat. I have also spoken with Remitly at least four times to try to resolve this issue. Remitly did send a notice ( and I will attach a receipt ) that the transfer was completed successfully, though it wasn't.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information on my credit reports from XXXX, TRANSUNION and XXXX. Inquiry not authorized by me. Per multiple inquires on my report that are shown in the year of XXXX  and XXXX was not authorized by me. I have spoke with all credit bureau multiple times requesting proof of validation, verification of authorization and nothing have been provided to me yet. Under the FRCA ACT, the bureau 's are responsible for investigating once I request a dispute within 30 days or delete. This error is effecting my credit worthiness. The multiple inquires on my report are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IT XXXX Inquiry Dates : XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, MN XXXX Inquiry Dates : XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Inquiry Dates XX/XX/XXXX XX/XX/XXXX. Can someone assist me with this complaint.
Product: Vehicle loan or lease

On XX/XX/XXXX, I requested the interest rate charged per month again and Credit Acceptance refuses to do this. Credit Acceptance refuses to credit me the proper refund since I cancelled a worthless warranty on XX/XX/XXXX {$1700.00} rolled into a 22.99 % auto loan. I cancelled this XX/XX/XXXX, and only received a {$1700.00} credit. I asked for a print out of payments I made monthly ( 10 ) towards the XXXX on loan. From XX/XX/XXXX to XX/XX/XXXX. 14 payments are due to me as a refund plus pre-calculated compound interest.They refuse.Predatory lending and unfair-deceptive consumer fraud- for they never ran my credit report. How did they arrive at 22.99 %?, they refuse to answer. 
I told them they are charging interest more than the car is really worth. No answer. Predatory lending. I told them there is no compound interest in Arizona or pre-calculated interest by lay. No answer. I requested my pay history and pay off statement showing the monthly interest. Credit Acceptance is a predatory lender.
Product: Mortgage

We closed on our house XXXX XXXX, 2016 and the XXXX house was paid off. Our last statement from Carrington mortgage stated that we had an escrow balance of {$1300.00}. We just received our escrow release check for {$770.00}. We called Carrington to see why we did n't receive our full escrow amount and they stated that they paid the property taxes on XXXX XXXX. Our taxes were {$1000.00} so that does n't make any sense if you do the math. I called the county to confirm and they said they only received one payment for the taxes, which was from XXXX at closing, so Carrington mortgage did not pay our taxes. There was nothing else due in XXXX to come out of our escrow, only the taxes. I have attached the receipt from the county to prove that only XXXX paid, our last mortgage statement showing the last escrow balance before paying off the loan, our refund check, and the annual escrow disclosure statement to show that nothing else was due from our escrow account. When I contacted them to get a resolution they said that I would have to reach out to the Carrington research department. I did fax them over all the same info. We want the remaining balance of our escrow back of {$550.00} and were depending on that full amount of the escrow money. Please help us!
Product: Credit card or prepaid card

On XXXX XXXX I was notified by Barclay 's that my XXXX XXXXXXXX Credit Card had been closed. I had had this card for over 25 years and had never missed a payment or been late with a payment. For the last year or so I had been using the card to purchase high end watches to resale in a small business that I started. Some months I charged as much as {$150000.00} on this card and always paid it before it was due. The card had a {$50000.00} limit. The letter I got stated " your history of account usage '' as the reason for closing the card and said if I had any questions to write to Barclays, XXXX XXXX XXXX XXXX XXXX XXXX On XXXX the XXXX I sent them a letter asking for the reason that they closed the account and for the reinstatement of the same card. 
On XX/XX/XXXX, I received another letter from Barclays stating that they were unable to complete my request. This letter told me to contact them at the number on the back of my card for more details. On XXXX XXXX I called and spoke with several different people over the course of more than an hour and still got no answer as to why my card was closed. One person did tell me it appeared that I was trying to run up airline miles! 
I am requesting the reason for the closure and the reinstatement of my card and credit limit. Any help would be appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

my complaint is in regard to my account with the XXXX XXXX through XXXX Bank. They have been falsely reporting that I had a delinquent account with them since XXXX of 2022. I had made a payment in XXXX for the amount of my entire amount of the account of {$610.00}. i now had a XXXX balance. The company had charged me interest on my old balance, even though it was paid, and never notified me. Until XXXX of 2022 I had no knowledge of there being a balance on the account until I had had received a notification from credit Karma that my score had dropped XXXX points due to a delinquent account of XXXX days, and upon logging in and checking I found that it was comenity bank. when i called their customer service and spoke to them about my situation, it was determined that due to a billing and/or clerical error, i had not been responsible for the account delinquency, and that by XX/XX/XXXX of 2022 my account would be rectified, and returned to normal status as well as receiving a credit for the issue. I received the credit on XX/XX/XXXX as promised but saw no change to the reporting to the credit bureau. Knowing credit reporting changes take some time i did not fuss, and about a month later in XXXX of 2022 I decided to take advantage of the + {$200.00} credit I received and made a purchase of $ XXXX, and with the credits I received on the account, and with what is on my last statement, I should only owe {$220.00}, and my utilization of the card would be at 47 %. Literally the day after my purchase, and use of account credits, my credit limit was dropped on the account by {$250.00}! changing my utilization rate from 47 % to a credit damaging 97 %! this if an unfair business practice and fraudulent. upon seeing this I contacted them yet again and they told me all I can do is dispute it to the credit agency.
Product: Credit reporting or other personal consumer reports

I have sent a letter to these credit bureaus concerning my personal information and they have not responded, nor have they updated the information. Please update my credit report with one name, one date of birth, and one address. All of the other information is inaccurate on my report. Please delete.
Product: Debt collection

I have been a victim of identity theft, and I am perplexed as to why your bureau has not followed suit with the actions taken by other credit bureaus in response to my requests. Some of the other credit bureaus have already removed these accounts from their records after acknowledging the errors present. I am confused about how your bureau has verified this information while others have recognized the discrepancies and taken corrective actions. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3400.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$500.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00}. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Product: Credit card or prepaid card

XX/XX/2020 toXX/XX/2020. I received an American Express Cash Magnet card from Amex. I originally entered all my personal info to get the card and then again to confirm it. I can not log-in or use my card. I called Amex and got XXXX where an operator said she could not assist me because the account did not exist. I asked to speak to a supervisor or someone in security and she hung up. I tried several more times to log in using the card # they sent me and the online site said it did not exist. I can not even cancel the card because XXXX told me they have a record of me but not my car, click.
Product: Credit card or prepaid card

In XX/XX/2023 I refinanced my home and reached a written settlement with JPMCB Chase Card Services. The account was Settled in Full for {$3800.00}, with the agreement that the account would appear on my credit report with a XXXX ( {$0.00} ) balance, and the account status would be " Paid. '' JPMCB Chase Card Services accepted and deposited my {$3800.00} check from the Title Company, marked as Settlement in Full. However, AFTER the payment was received, JPMCB Chase Card Services reported my account as " Charged Off '' with a balance of {$2500.00} on XX/XX/2023. This report has remained every month since XX/XX/2023, and this account on my credit report is still showing a " Derogatory '' account status, rather than the promised " Paid '' status, and it is still showing an account balance of {$2500.00}, rather than the Settled in Full balance of XXXX ( {$0.00} ). As a result of this " Derogatory '' report and falsely reported " Amount Past Due, '' my credit score has dropped each month since it was falsely reported.
Product: Student loan

I have requested a refund of my payments made in XXXX, XXXX and XXXX, per email sent to me from Mohela, below. They have not refunded me and have not provided me with a response. 

" Your account has been placed into an administrative forbearance ( meaning no payment is required ) for payments due between XX/XX/XXXX, through XX/XX/XXXX. You are not required to make a payment until XX/XX/XXXX and your account will not be considered delinquent. Be on the lookout for your next billing statement.. 

You may also, instead, contact us to request a refund for any payment made during this time. If you are enrolled in XXXX Debit, monthly payments will continue to be withdrawn for your regular amount due each month plus any additional recurring amount you have requested. This will occur even after any payments you made for a due date in XXXX through XXXX have been applied toward your future payment ( s ). ''
Product: Checking or savings account

I tried to use my debit card yesterday morning at XXXX for food and it was denied.i got home couldnt log in to account so I called they said they closed my account and would be mailing my money to me in ten days. No reason I had salesmen charged for monthly service fees the charge me a overdraft for every month by waiting until I have no money to charge me I think twice but when I asked for statements I received no access or help. They then said it was related to and account number not mine or not one associated with my account. I asked for information because I had no knowledge of this account opened under my social so I could file a police report they didnt help or try and fix the issue. I am a single mom who gets a fixed income once a month I have bills to pay and kids to feed waiting ten days is not acceptable.
Product: Debt collection

OK ... XXXX XXXX Bank is selling my personal, private and federal information to multiple companies to make them try to collect a amount I do not own them. HOW IS THIS POSSIBLE??? First they sold all my information to XXXX XXXX XXXX and now to LVNV Funding LLC and for the same amount of {$1200.00} .... BY THIS I WILL FILE A FORMAL LAWSUIT AGAINST XXXX XXXXXXXX XXXX AND ALSO AGAINST XXXX REPORT AGENCY FOR ALLOW THIS COMPANY TO REPORT ON MY CREDIT REPORT WITH OUT THE PROPER DOCUMENTATION
Product: Credit reporting or other personal consumer reports

i filed a despute with experian file number XXXXXXXX XXXX XXXX the car loan with them the car was totaled and XXXX got the XXXX dollars it did not get added to account over XXXX years this has destroyed my credit take the account off XXXX XXXX XXXXXXXX charged me XXXX dollars for tag and state change over from XXXXXXXX XXXX XXXX did not get this but the amount is on my account the car was taken by police reported as stolen car XXXX will not drop account
Product: Mortgage

We had an issue of a plumber breaking a pipe and flooding our home..the new plumber did not get a permit or have his work inspected.when we had a city and state inspection done there were many things he did out of code he received a fine but we have had XXXX plumberso in the home to correct his mistakes and have not lived in the home for 1 and 1/ 2 years I informed the mortgage company and had to miss 3 payments since that time I have been deny the opportunity to pay the next 3 months every month I have been told I can not make any monthly payment just the entire am trying or nothing and of course the bill gets higher.. 

XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 CHASE Bank XXXX XXXX XXXX XXXX, DE XXXX To Whom it may Concern : I didn't need or want your credit you coerced me into applying, by offering me a special deal offering to save $ 80+ on my current purchase that felt hard to refuse all the while interrupting my shopping experience, who is going to stop and read policy while they are already busy and the offer only takes 30 seconds to check, but took XXXX points off my credit score, I didn't even realize it was a bank until after I clicked the pop up to see what would come of it. 

I do not overextend myself on anything and my credit has been cultivated and stable for years and affected by this. I will be putting a blanket complaint to, XXXX, and whoever else I think should see this tricky tactic and sending this letter as well as the ridiculous letter refusing me your unwanted/ unneeded credit to all of them. My purchase was paid in full at the time of purchase. 

How many other people have you tricked? 


XXXX XXXX XX/XX/2022 To Whom it May Concern : I feel it's necessary to report these unethical tactics, used by CHASE Bank, I feel I was coerced, and was not actively seeking credit from them or any bank, I am glad they refused me because I am working on my current debt and not on the lookout for more, I am proud of how I have maintained my good credit for the past 6+ years and I think the capitalistic tactics of lenders preying on vulnerable incomed people is outrageous. 

I hope you take this complaint seriously and try finding ways to protect consumers from this predatory behavior. 

Thank you, XXXX XXXX