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

Dear Sir/Madam, I am writing to file a complaint against XXXX, Equifax, and XXXX for their violation of my consumer rights regarding the reporting of my non-public personal information, despite my explicit request to opt-out. 

On [ date ], I exercised my right to opt-out from the reporting of my non-public personal information by sending in writing a notice to XXXX ( attached for reference ). This action was taken in accordance with the provisions outlined in applicable consumer protection regulations, including but not limited to the Fair Credit Reporting Act ( FCRA ). 

Despite my explicit request to opt-out, I have recently discovered that XXXX, Equifax, XXXX continue to furnish information related to my account with XXXX on my credit report, including non-public personal information that I specifically opted out from being reported. This persistent reporting of non-public personal information by XXXX, Equifax, and XXXX is a clear violation of my consumer rights and undermines the integrity of my credit profile. 

I want to emphasize that my decision to opt-out from the reporting of non-public personal information is a fundamental right afforded to consumers under consumer protection laws. By disregarding my explicit request, XXXX, Equifax, and XXXX have not only violated my consumer rights but have also compromised my privacy and financial security. 

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that XXXX, Equifax, and XXXX cease the unauthorized reporting of my non-public personal information on my credit report. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will uphold consumer rights and work towards a swift resolution of this issue. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My XXXX XXXX 's account is showing XXXX late payments in XXXX and XX/XX/2024. I am a veteran with a service related XXXX  injury. I meet other XXXX veterans online and travel to their location to provide emotional support. During the periods when the late payments were reported, I was in an area affected by severe weather and or a natural disaster. This caused glitches in the app which resulted in the app showing that the payment was successfully submitted. I am asking for XXXX XXXX XXXX XXXX XXXX a good will rehabilitation of the late payments in light of the circumstances. I believe natural disasters are are framework for this kind of credit history remedy.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX my credit score with Equifax was XXXX and today it is XXXX. On XX/XX/XXXX it dramatically dropped to XXXX and since it has dropped all the way to XXXX. I have not had any negative remarks added to my credit file during this time. I do not owe anyone any monies since this date or even before. I do not have a clue what they are doing but it seems like their business model and whatever they use for a standard is not being compliant nor it is even consistent with the two other major reporting companies. I find this odd as I have never in my life ever had a loan of any kind, nor have I ever opened any type of credit. There is no reason for my credit score to drop like this, if anything it should have gone up. I have contatced them and they will not give me any explanation as to why this is happening. It is bad enough that these services are used to prey on people and in all reality are not even close to judging a persons characher period.
Product: Debt collection

On XX/XX/XXXX I received a phone call from a gentleman saying he was representing an attorney by the name of XXXX XXXX. The phone number he used to call me was ( XXXX ) XXXX. Knowing I do not have any debts, I suspected it was a scam and hung up the phone. The man then proceeded rapid texting me in a harassing way, making threats to place liens on my current business. He referenced my personal bankruptcy, and that I was still operating a former business, however the referenced business has been non-operational since XXXX. I did not respond to the initial text messages. He then proceeded to text me again on XX/XX/XXXX, again making threats to send liens to current clients, who have nothing to do with my former business, and stating their is a UCC lien with my Secretary of State, saying they have been asked to enforce it. That is a lie. He then proceeded to tell me to call his phone number, which was a different one than the one he was texting me from. This number was XXXX. I have maintained this text dialogue on my phone should it need to be reviewed. We went back and forth in communication, where I told him the business of which was included in my bankruptcy he was referencing has been non-operational since XXXX. Also, despite saying he represented XXXX XXXX the day prior, he now said his name was XXXX XXXX, and the attorney 's name is XXXX XXXX of XXXX XXXX. He finally said the creditor is XXXX XXXX XXXX, but no mention of amount, account #, etc. I reviewed my bankruptcy, of which was filed in XXXX, and found them listed in the bankruptcy as a creditor. He says his next step is to send me an email. I did not send him my email, so I do not know if he will truly do that, or if he actually has a copy of my email. Regardless, he is harassing me, and I need it to stop. He has no justification to collect this debt that was discharged in bankruptcy court. All creditors were notified prior to the court date, and no one showed. Therefore, he needs to go away.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to XXXX, XXXX and Equifax in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ).

I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions 1022.41 regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that 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. My right to privacy has been violated. 
I would like for you to investigate these inaccurate and false accounts on my consumer report and have them removed immediately. Please send an updated consumer report upon completion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the victim of Identity Theft and have my Identity Theft report attached along with this complaint. I have attempted to reach out to the companies who initiated the fraudulent accounts and the credit reporting agencies but nothing has been rectified as of now. 

In XX/XX/XXXX my wallet was stolen while at a XXXX in XXXX, California which contained my social security card, my driver 's license, and bank card. I was also notified that my personal information was compromised in data breaches by XXXX, XXXX, and XXXX. In XXXX of XXXX I checked my actual credit report for the first time since that situation occurred and found fraudulent accounts listed that I did not authorize including inquiries for credit products that I did not authorize. 

Those items are listed below : Accounts : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXreported : XXXX, XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

The beginning of XX/XX/XXXX I reported to Capital1 that my card ending in XXXX had 2 fraudulent charges on it. They credited my card back the amount of fraud and canceled the card. They sent me out a new card ending in XXXX. I received and activated the card. I was notified that the vendors were reliable for said charges. About XX/XX/XXXX I received a credit report that my utilization was high on my Capital1 CC and that the balance was over {$1900.00}. I then proceeded to dispute the balance on XXXX website. It was mistakenly reported as fraud instead of incorrect balance. Capital1 canceled my CC ending in XXXX an stated that I would have to clear this up with the credit bureau before card being reinstated. On XX/XX/XXXX I started contacting XXXX   about the mistake that had been reported incorrect. They ( XXXX   ) informed me that it was a Capital1 issue not theres to correct. Over the next couple of weeks I called Capital1 n XXXX trying to resolve this issue. With both parties claiming that it was the other party responsibility of correcting this situation. On XX/XX/XXXX @ XXXX I was able to speak with a fraud specialist name Miss XXXX who agreed to participate in a 3 way call with Capital1.  We were able too speak with Capital1 supervisor Mr.XXXX  whom was informed of the 2 parties on the line and that this was on a recorded line. Miss XXXX spoke on the behalf of XXXX  and acknowledge that the CC ending in XXXX was mine and it had been reported in error as fraud.Mr  XXXX then informed us that he wouldnt be able too reinstate the card as previously mentioned by different agent. That it was being investigated by the back room! I asked what is the back room and who was the investigator? He couldnt provide with any additional information about the back room and he didnt know who was the investigator. I then stated to Mr XXXX that there was something fishy about what he told us and that I wouldnt be making another payment on Capitol1 CC XXXX until I was contacted by the investigator. I also asked Miss XXXX if she would save this recording for further use just in case this becomes a legal issue if they ( Capital1 ) start to attack my credit for nonpayment. On XX/XX/XXXX I received a letter informing me that my dispute had been closed and the accuracy of my account had been validated. I contacted Capitol on XX/XX/XXXX and spoke with account supervisor XXXX whom informed me that the account was closed and that I needed to reapply for another card! He also stated that I was still responsible for the charges on card ending in XXXX but I wouldnt be issued it back. I then stated to him that I would be in touch soon!
Product: Credit card or prepaid card

I have been experiencing challenges due to covid an with that came shortage of income. I had good standing paying my card but in the last three months could not pay the minimum or was late paying it. I only missed XXXX and XXXX but mind you the added steep each month for being late. I sent XXXX payment to them to rectify my past due balance.account was not updated called and representative lied and said that my account was closed not restricted for two payments as website stated. Told representative that I did not get letter in mail stating that I had 5 returned payments and even the online website does not support that.This creditor is accusing me of closed my account and mislead me in order to gain fund. There have no attempts to contact before closing my account. The company closed my account for reasons other than stated on phone and closed my account.i asked to speak to a manager several times to fix the misunderstanding and representative stated that she was the only one to speak to and my account will not be reopened by anyone and that the reasons are in the fine print that no one reads.
Product: Checking or savings account

We received checks in my name with a fake phone number but at a former address I have used from TD Bank. We also received a letter of denial from XXXXXXXX XXXX XXXXXXXX XXXX that said someone submitted an application in my name to open a premium online savings account. This account was not opened due to a denial from XXXXXXXX XXXX based on the fact that they could not verify the identity of the applicant. I did not attempt to open either of these accounts. The XXXX XXXX application denial was dated XXXX. The checks from TD Bank arrived in the mail last week to an address I formerly lived at.
Product: Checking or savings account

My name is XXXX XXXX, from XXXX, AR -- Firstly, a couple years ago, I'm went to prison, while I was there I had a few, several kinda, deposits and planned finding to enter my account, I also asked the people I know to give me money, on the chime card, while I was there, well things went fine with the deposits, over XXXX $ was deposited during my 9 month stay from XX/XX/XXXX until XX/XX/XXXX, however when I got a chance to check my account once I was out, only XXXX $ remained. I, obviously, dispute the transactions made ( especially XXXX ones like XXXX XXXX  for content that wasn't even for MY XXXX account! I don't know exactly how much was used, not will XXXX nor chime provide me with the information about who's account had literally used thousands of my money! Money I needed to transition back to normal society! Chime denied the dispute, saying the money was deposited then depleted for the most part over several months and I should have reported sooner. Hello! XXXX  doesn't let me know what's going on with my accounts so ... .I couldn't, anyways I have proof of my XXXX, but chime closed my account, leaving me without info I need to discuss this matter further or even investigate for my self. CHIME BANK FAILED ME BIG TIME! I HAD BEEN A CUSTOMER FOR 9 ; YEARS NOW! EXTREMELY RUDE AND ONLY HELPS ROBBERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Both Experian and XXXX do NOT accurately report my student loan information on my credit report. XXXX is reporting the account accurately as the student loan is in perfect standing. This loan information in good standing with perfect payment information should be reported accurately on both Exerian and XXXX as it is reflected on XXXX. I have disputed this point many times with both agencies and called XXXX to make sure they are reporting- XXXX has assured me that they are accurately reporting my accounts.
Product: Credit reporting or other personal consumer reports

I have disputed this account several times. It keep coming back unchanged. This account was included in my bankruptcy filed on XX/XX/XXXX and XXXX XXXX XX/XX/XXXX. XXXX XXXX : XXXX. This creditor keeps reporting this account is a charge off and late on payment. If they keep reporting this way this account should be removed. or at least report the correct information. thank you
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. 

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX FIN # XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX 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
Product: Bank account or service

Hi, I saw the Citi bank gold checking account opening promotion online earlier this year, and it said I just need to meet the following requirements : 1. open a citi gold account 2. use the debit card for XXXXUSD transactions, 3. has two bill payments from the newly opened accounts. After all these requirements are met, I can get XXXX XXXX mileage. 

so I went ahead applied for Citi gold checking account online. and from the Terms & Conditions signing up the new checking account, it clearly listed the promotion for me, and I am eligible. 

To confirm the promotion, I also went to the nearest Citi branch, the banker looked at my account, and said she saw the promotion code, and I should get the XXXX XXXX mileage once I finish all the requirements. 

now it is a few months passed, although I finished all my requirements, but Citi said I am not eligible for that promotion. They said the promotion code is just for specific person. 

If it is just for specific person, why when I signed up the checking account, it said I am eligible? 

thanks!
Product: Credit card or prepaid card

XX/XX/XXXX I have made many phone calls to my Citibank credit card. There was a charge by XXXX XXXX XXXXr on XX/XX/XXXX of {$620.00} that I did not make. I called within the 60 day window to dispute the charge. They refused to investigate the charge. In fact they wanted paperwork from XXXX despite the fact I had not done business with them. The girl on the phone claimed she had no option to dispute it. ( Something to do with it being a rental car company. ) I asked for a supervisor which then hung up on me. So, I called and complained about that. When I read somewhere that I needed to cancel the card to dispute the charge, I called Citi, cancelled the card and Citi informed me that they would be investigating the XX/XX/XXXX charge with XXXX. ( This was my 6th call to them. And took place on XX/XX/XXXX. ) I received my new card and activated it on XX/XX/XXXX. On XX/XX/XXXX I called again because Citi still was not investigating the charge not was it showing a credit on my account. On XX/XX/XXXX I spoke with a female named XXXX (? ). She also told me that this amount would be reflected on my new card in 2 to 3 business days. It was not. It still is not being reflected on my  account. I called 2 weeks ago and was told it would definitely be showing up the week of XX/XX/XXXX. It did not. I called today ( XX/XX/XXXX ) and was promised yet again that it would show up. But, if it did not, I still could deduct the {$620.00} off of my next payment. I think they are still pushing me aside.
Product: Debt collection

This company is calling people from my family and my ex-husbands new wife threatening they are going to file a judgment against them and myself if they don't cooperate. When I called them, they were very aggressive and disrespectful. I did use foul language when speaking to them out of anger, however I felt abused and threatened by them, they called me a child and that there was nothing I could do because the courts will take care of me and it will be ugly. They said " I'm sorry to have to do this to you in the middle of a pandemic, but we need to collect '' This is an old debt more than 5 years old that was less that {$500.00} dollars that I could not pay because of job loss, which since I have fixed my credit and have an account with the people they are claiming I owe and the account is active and in good standing. This debt they are trying to collect is not on my credit report at all. They are saying I owe {$1700.00} because of interest and fees ( original past due amount was {$500.00} for XXXX  work  I needed. This was a care credit account ). They would not give me the details on why the amount was so high and when I discussed how that could be lowered they said it could not be and they will seize my assets and my husbands assets. They will take me to court and will be reporting to the credit bureau. They said if I let them proceed with the judgment they will now be charging me in excess of {$6000.00} to {$7000.00}. They would not provide their full names or address to me so I could send a Debt validation letter. They kept putting me on hold every time I would try to speak. They would pass the phone back and forth between agents claiming to be the supervisor.
Product: Checking or savings account

On the date of XX/XX/2023, my wife and I visited JP Morgan Chase Bank N.A. ( XXXX ) Branch, located at XXXX XXXX, where we engaged in a transaction with XXXX XXXX XXXX, who facilitated the opening of a Business account, Account # XXXX, for our company, XXXX XXXX XXXX XXXX, doing business as XXXX, XXXX. 

During this visit, we deposited 32 checks amounting to {$79000.00} into the account. XXXX XXXX handled the checks and no concerns were raised regarding the number of checks being deposited to open the account. 

Regrettably, it appears that XXXX XXXX inadvertently omitted to include the second page of the Doing Business As ( DBA ) document, which contained our fictitious name, XXXX. Consequently, Chase 's fraud department red-flagged the transaction due to the checks being written under both XXXX and XXXX XXXX XXXX XXXX XXXX with the majority under the latter. 

This situation resulted in the suspension and subsequent cancellation of our account without any explanation from Chase, leaving us without access to our funds. Multiple attempts to resolve the matter by contacting the branch have proven futile, with representatives stating that the checks have already been cashed by Chase. Despite this acknowledgment, they have refused to allow us access to our funds and offered no reason for the account cancellation. 

For over a month, our attempts to gain resolution and retrieve our funds have been met with unresponsiveness from Chase. They have even suggested that the money may be sent to the California unclaimed property fund. Moreover, Chase has expressed difficulty in verifying the legitimacy of the checks with the issuing institutions, requesting a list of phone numbers for verification purposes. Although we promptly provided the requested list, Chase maintains that they can not verify the legitimacy of the contact information. 

This inaction and negligence by Chase have had severe consequences for our small company, as we now face challenges in meeting our financial obligations, including paying our employees. Despite all the checks having been collected and cleared by Chase long ago, they have not provided a timeframe for resolution. 

In light of the circumstances, we demand that Chase promptly rectify this matter, grant access to our funds, and provide a clear explanation for the account cancellation. Our company 's financial stability and ability to fulfill our obligations are at stake, and we expect the due diligence and professionalism expected of a reputable financial institution. Failure to address this situation satisfactorily will compel us to seek legal remedies to safeguard our rights and interests.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX or XXXX of 2022, I tried logging into my experian account and I got an error message. I have reached out multiple times to experian without them being able to fix it. They have escalated the problem multiple times but each time I call, the person says the former person I talked to made a mistake and put the complaint in wrong. Ive been told theres a mismatch in my information, Ive been told that I tried to login too many times and to wait 24 hourswaiting has never resolved this. Last night I was told that my account was compromised and only supervisors could see that.