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

I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. I sent a letter to Experian on XX/XX/2023 and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. 
There are breaking Federal law According to 15 USC 1681e ( b ) it states this ( 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. 
So I then asked them to provide me a description of the investigation according to 15 USC 1681 ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 
But they did not do that as well either. 

They are also breaking these laws as well below : According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. 
This is unfair and if they are doing this to me imagine who else they are doing this too. Can you fix
Product: Credit reporting, credit repair services, or other personal consumer reports

I had late payments on my account from XX/XX/2019 to XX/XX/2019. I did a modification which started XX/XX/2019. I was told no late payment would be reported. I have tried very hard to work with Round Point and the credit bureaus. I have gotten nowhere. I am looking for someone to assist me with getting this resolved.
Product: Credit card

I am looking to apply for a credit card with Chase and all my accounts were closed 10 years ago by the bank. 

Please let me know if they will process my credit card application, since all my accounts were closed by them in 2015 for now reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding the negative information on my credit report. It is now XX/XX/2021. I have not gotten any results as of today. Please, I need help. The negative information is holding my life up. I believe my information could have been in the XXXX  and Equifax data breach. I'm trying my best to get the problem fix but the bureau are not responding. This plus Covid has taken a toll on my life, and it is very stressful. I feel as they are taken advantage of me. Can you please delete the negative information. The negative information is not fair nor accurate.
Product: Money transfer, virtual currency, or money service

To Whom It May Concern, I am submitting a complaint regarding unauthorized transactions resulting from a data breach at XXXXXXXX XXXX. Due to the exposure of my personal information, including my Social Security number, phone number, address, and legal name, I suffered financial losses totaling {$8300.00} USD. 

Incident Summary : - **XXXX XXXX Account Loss** : {$4400.00} USD was fraudulently withdrawn via XXXXXXXX XXXX XXXX 
- **PayPal Account LossXXXX : {$3900.00} USD was transferred to unauthorized recipients. 

# # # Fraudulent Scheme : Scammers, posing as XXXX XXXX XXXX XXXX representatives, contacted me using my personal information. They sent a fake fraud alert, leading me to believe I was communicating with XXXX XXXX. Under this pretense, they gained unauthorized access to my accounts and processed fraudulent transactions. 

Institutional Response : I promptly contacted both XXXX XXXX and PayPal to dispute the charges. However, both institutions refused assistance, citing the transactions as " Friends and Family '' or " Authorized Charges. '' Since these transactions were made under fraudulent circumstances and stemmed from a data breach, I did not authorize them. 

Requested Action : I request : - A full reversal of the unauthorized transfers totaling {$8300.00} USD. 
- An investigation into XXXX XXXX data breach and its impact on my personal information. 
- Measures to prevent further harm to my financial security. 

I urge the CFPB to take immediate action to hold financial institutions accountable for protecting consumer data and resolving fraud-related disputes. 

Please contact me for any additional information or supporting documentation. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy for my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit
Product: Checking or savings account

On XXXX XXXX, XXXX, I opened an account at the local branch of Bank of America near my how so I could get a safety deposit box there. When I signed up for the box, I agreed to allow Bank of America to charge a {$50.00} rental fee for a small deposit box. I never received a safety deposit box and despite several requests, I still have n't received a refund of the rental fee I paid over a year ago. 

I did n't get a box right away. The teller had me return to get a key to my safety deposit box. So I returned and then it was so busy that no one could help me get access to the safety deposit box. So returned on another day and when the staff finally accompanied me to the boxes, it turned out that a ) when I tried my key on the box, it did n't work ; b ) once management retrieved their key and opened the box, we found someone else 's property inside. XXXX promised to figure out the problem and get me a security deposit box. I did n't hear anything back. 

I called and did n't receive any information. I went back to the branch and was told I 'd receive a call. I did n't receive a call. 

I returned to the branch to request a return of the {$50.00} service fee and the XXXX, who was openly rude to me, finally said he could not reverse the fee but would see to it that the fee was reversed by Monday. It was n't reversed. 

I became tired of trying to get this money back from Bank of America. I probably spent XXXX hours over the course of months showing up to the bank, waiting for a teller, explaining the situation repeatedly. Finally, I gave up.
Product: Credit card or prepaid card

On XX/XX/XXXX I opened a credit account for {$3600.00} with XXXX XXXX. The sales representative suggested a VIP Credit Account with Comenity Capital Bank in which i would not have to pay interest for the first two years. Payments were made each month, on time, during those two years and the balance was brought down to {$1400.00}, but the amount was not paid in full. On XX/XX/XXXX, a Finance Charge was add of {$1300.00}. This amount is almost a 90 % addition to the actual money owed.  According to my contract, and my understanding at the time of sale with XXXX XXXX, if the account was not paid in full by the end of the two years, interest would begin to accrue until the amount is paid in full. I have attempted to contact XXXX XXXX and Comenity Capital Bank, but they have been unable, or unwilling, to explain how {$1400.00} remaining balance adds up to {$1300.00} fee? Further, there is nowhere on the XXXX XXXX Credit account customer portal where it states my actual current interest rate, or what is being accrued. I would appreciate your assistance in getting answers because i feel i was fraudulently treated by XXXX XXXX at the time of sale and have had critical information kept from me by XXXX XXXX and Comenity Capital Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXXXXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXXXXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting or other personal consumer reports

XXXX XXXX account XXXX. The dates open, the last report, and also the dates last active are inaccurate.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 has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Hello! 
My name is XXXX XXXX. I am a victim of Identity Theft. Monterey Financial Services is attempting to collect a debt that is not mine. The XXXX is a complete result of Identity Theft. Please have them remove this collection account from my credit report because it is damaging my chances of getting a car. 

Please have them remove this account and investigate properly. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE A Unauthorized account INQUIRES and Unknown address XXXX XXXX XXXX XXXX, MI XXXX on my credit report by all three Credit Bureaus ( XXXX, TransUnion, XXXX ) XXXX XX/XX/2019, XXXX XX/XX/2019, XXXX XXXX XX/XX/2019,. 
Which violates Section 604 of the Fair Credit Reporting Act ( FCRA ) sets forth requirements, called " permissible purposes, '' that must be met before anyone can inquire a credit file. A few of the most common permissible purposes are : In accordance with the written instructions of the consumer to whom it relates.
Product: Credit card or prepaid card

On XX/XX/2023 I purchased 2 gift cards. One for {$250.00}. The other for {$50.00}. They would not work. ( I ended up giving the intended recipients {$300.00} from another form of payment. ) I called the number on the back of the cards. I learned that the cards were flagged for possible fraud. I was told to submit documentation. I sent a fax with ID verification documents. Two cards were reissued to me several days ago. I've used the {$50.00} card successfully. The {$250.00} card will not work. I called AGAIN. I was told that the {$250.00} card was registered with someone else, and they would send me yet another card. 

Today, someone from XXXX XXXX XXXX  called and I could not answer in time. They left a number but not an extension. I called back and did not get the person who called. I did not have my card number, and the people who had answered would not help me. They insisted on my card number. I repeatedly told them that I was trying to return THEIR call. I got hung up on twice. The third time, I had my card number, but he refused to help me because I said that I was recording. 

I live in a single party consent state. I did not have to tell him that I was recording. Furthermore, their recorded message says that MY CALL MAY BE RECORDED. So, the bank can record, but I'm not allowed??? I'd love to share this recording with someone. At any rate, I was told to send something in writing. I tried to fax again, but the fax is not working. This is ridiculous. I really feel that they do this to many people, waiting to find someone who will eventually give up, so XXXX XXXX XXXX can swipe their money. This is crazy. I'll also file a complaint with XXXX, where I got the card, and with XXXX XXXX, the form of payment I had used at XXXX.
Product: Debt collection

I continually get phone calls from a collection company that does not leave a message but calls almost daily. We once called them to tell them who we are and that XXXX have no unpaid debts and still get calls at all hours.
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 XXXX XXXX XXXX and XXXX XXXX XXXX XXXX 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 XXXX XXXX ( an original XXXX XXXX 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 : 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 card or prepaid card

I want out of the promotional material mailed to me. There 's instructions on how to opt out. A number was provided for me to call to opt out of promotions and marketing ; however, they first asked for my social. That is something I 'm not comfortable giving and is scam like. I want this to stop immediately without providing my Ssn.
Product: Credit reporting or other personal consumer reports

On dates of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> and XX/XX/scrub>XXXX XXXX XXXX XXXX on the first of every month for the last 4 months i have notified Experian that there are 2 items that are reporting inaccuracies. I sent them a letter certified mail with tracking number. I always provide Experian with a police report, ID theft from IDtheft.gov, copy of my ssn, copy of my ID and the stated law. Here is the tracking number XXXX XXXX ( US Postal Service ). 
Account that i am disputing : XXXX XXXX XXXX Account : XXXXXXXX XXXX XXXXXXXX All Experian said every time i call is that the investigation and said those accounts are verified and accurate. 
According to my rights by federal law, under 15 USC 1681i ( 5 ) states after any reinvestigation under paragraph ( 1 ) of and information be disputed by a customer, an item of the information is found to be inaccurate or incomplete or can not be verified. The credit bureaus did not reinvestigate and violated my rights.
Product: Debt collection

On XX/XX/2019, I received a call from XXXX XXXX ( XXXX ) XXXX. The message when I answered said I may be a party to a claim and that I could lose my chance to collect on the claim if I didnt hit 1. I hit 1 and was transferred to a debt collector. I then asked for information to be mailed to me and they told me no. I then asked that they not contact me at this number and they said they could. I again asked that they mail me something and they still refused. When I told them the robo message was deceiving and I wanted the name of the Debt Collection agency and their license number they refused to give it to me and hung up on me. I looked this number and name up online and nothing comes up, so I am unsure how to even figure out who the debt collection agency is.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  account has never been a late with a payment on this account, I called customer service directly on XX/XX/XXXX to discuss about my account on XXXX where it shows a late payment of XXXX  XXXX  this account has been on auto pay Since XX/XX/XXXX and I have never failed with payments I am requesting to remove this late payment from my report and reverse to paid as agreed, XXXX, XXXX and TransUnion along with any other CRA can not report any negative information
Product: Debt collection

I continuously asked for proof that I owed a balance and what for and no response, they even told me that manager no longer worked there and I later found out that was a lie. I provided proof from my end showing that when I left the property my balance was {$0.00}. Months later they say I owe almost XXXX and when I asked why they proceeded to say that the manager no longer worked there and they didnt see anything pertaining why. Ive never heard anything like that in my life. I took upon myself to go onto the premises and I immediately seen the manager they told me no longer worked there. I provided emails from the manager saying that my balance was {$0.00} and all I had to do to make that happen when I followed to a T.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Final Request for Removal of Unauthorized Credit Inquiries To : Experian I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. To following information on my credit report is the result of identity theft and should be blocked : This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed a FTC complaint which is attached. There is a FRAUDULENT accounts on my report which do not belong to me. 
All required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency. In addition, I demand the following fraudulent ACCOUNTS be deleted from my credit report immediately. 
Please remove the following fraudulent accounts from my credit report : XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/year> XXXX. XXXX XXXX XXXX Inquired on XX/XX/year> XXXX. XXXX XXXX XXXX Inquired on XX/XX/year> XXXX. XXXX XXXX XXXX XXXX on XX/XX/year> Final Basis for Dispute Under Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute any inaccurate or incomplete information, and it is your legal obligation to investigate these disputes and ensure the accuracy of the reported information. According to the law, failure to correct inaccurate information or remove unauthorized inquiries after an investigation constitutes a violation of the FCRA. Furthermore, Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including details regarding the inquiries. To date, I have not received sufficient document
ation or validation justifying the presence of these inquiries on my credit report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my authorization and are not supported by any permissible purpose under this law. Additionally, I invoke Section 623 ( 15 U.S.C. 1681s-2 ), which holds data furnishers accountable for reporting accurate information to credit reporting agencies. By continuing
to report these unauthorized inquiries, your office, as well as the responsible data furnishers, are in direct violation of this section of the FCRA.

Likewise, under Section 605A ( 15 U.S.C. 1681c-1 ) of the FCRA, which deals with protections against identity theft, it is your duty to ensure that unauthorized inquiries, particularly those potentially related to identity theft, are removed from my credit report. 


Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

Had navy federal for awhile. It was constant being closed or locked due to random overdraft fees.
Product: Credit card or prepaid card

I XXXX in XXXX TX. applied for an Amazon Chase credit card and the card was denied on basis of Having a derogatory relation ship with the bank CHASE, and not having investments on the bank. my credit score is XXXX. I had a call with a representative and was told that i had a card charged more than 12 years ago. It had happened back during the 2009 rescission where I hat to feel for bankruptcy. I feel I was discriminated for there are some other customers with worst credit than me and do not have investment whit CHASE and the are approved. On top of this this Bank did several credit inquiries affecting my credit report score. The representative just hung the call with no further explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX account shows mised payment on credit reports should be fixed asp fnd enclosed a letter from XXXX XXXX XXXX  says they sent credit reporting agencies message to fix the XX/XX/2021 missed payment all other reports are corrected but not transunion ..transunion still shows mised XX/XX/2021 payment on report.. 

Please fix the issue
Product: Student loan

I continue to receive email notification that a new loan has been financed by this company. When I replied via email to this company and asked when this loan was financed and that they provide me with the documents because I am a victim of identity theft, they bounced my email off at their customer service counter and will not reply. 
I am calling this company today to see if they need a voice to connect to the complaint and maybe they 'll be more responsive. 
Additionally, they have asked that I pay upon this loan beginning next month at the rate of {$210.00} and yet they will not provide me with the particulars of the loan.