23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On or about XXXX 2022, I was XXXX  by also-XXXX  as a XXXX XXXX. I was told, via email, I would need to make 5 purchase orders of computers, etc on my credit card before being issued a company credit card for future purchases. XXXX agreement upon being hired, also-international agreed to pay off my credit card debt of {$250.00}. However, my credit card limit was not sufficient for the amount of purchases the company wished to make. I notified the company of this barrier, and indicated that I needed a company credit card. I was informed that my contact was consulting with their boss, however, a return payment was issued. This payment came through during the XXXX XXXX. I noticed this via the Capital One app, XXXX XXXX, and made a complaint. Upon speaking with a company representative, I was informed that my account had been closed due to fraudulent activity, which I was actively reporting. The company closed my account immediately, without compromising regarding its status or confirming my complaint. This was unexpected to me and unfair. I have a 21 message email chain from also-international that I cant upload, yet can forward via email upon request. Here is information regarding also-international. 
Federal Registration : Legal Name : ALSO XXXX XXXX. 
Federal Tax ID : XXXX Our registration ID in XXXX XXXX  : Entity Name : ALSO XXXX XXXX  XXXX address : XXXX XXXX XXXX, XXXXXXXX XXXX, NY XXXX, XXXX Department XXXX XXXX ID : XXXX Our headquarters are located in XXXX : Legal Name : ALSO XXXX XXXX Headquarters address : XXXX XXXX XXXX XXXXXXXX XXXX ( Unique identifier ) : XXXX Commercial register number : XXXX
Product: Credit card or prepaid card

On XX/XX/2022, I the Consumer in good faith exercised my right with the financial institution Chase to extend and receive credit and was XXXX against. 

I received an adverse action letter on or around that day and took action to protect my rights on XX/XX/2022 and called to inform them and they claimed they could not do anything about this matter. 

They also proceeded to tell my about Chase 's policy when I informed them that they were breaking the law. The next day on XX/XX/2022 I responded with my own letter in the mail. 

I have a fourth amendment right to privacy and pursuant to 15 U.S.C 1691 it shall be unlawful for any creditor to XXXX  against any applicant, with respect to any aspect of a credit transaction. 

Chase willfully ignored my request and haven't made any steps to resolve this matter as of yet.
Product: Checking or savings account

I maintain a Regular Checking account with Bank of America, N.A. Bank of America recently announced that as of X/XX/17, all non-Bank of America customers cashing my personal check at a Bank of America location will incur an {$8.00} fee for each check over {$50.00}. Arguably unlawful, this practice is blatantly discriminatory towards those without the means, ability, or standing to maintain a bank account of their own ( e.g. the poor, illiterate, or undocumented ). It makes a mockery of the simple, time honored concept of a personal check. To wit, my personal check is my exact written order for the bank to pay the specified amount to the payee on demand upon verification of their identity and availability of funds. It is a service the bank agreed to provide to me in exchange for my maintaining a balance. The payee is not a part of that service agreement. Rather, the payee is being forced to pay a fee to obtain that which is rightfully theirs. In short, the bank is committing larceny while calling it a transaction. <P/>I have communicated my views on this proposed action to Bank of America but I am but one voice. I ask the CFPB to take action. Please do not allow this practice to stand. It is an avaricious, cynical corporate reach for dollars off the backs of those who can ill afford to part with it.
Product: Credit reporting or other personal consumer reports

I was just able to take a look at my credit report, and am stunned. I am trying to start a business, and I couldnt believe my eyes when I saw all of these mistakes in reporting!

I don't know why these companies are putting this on my credit report.I have never been delinquent on my payments with any of these people. When I called them they said I needed to just dispute it with you.

I need you folks to fix these accounts. In the meantime, I may be denied based on all of this. Ive already tried two places. Please don't leave it this way I need your help! The above accounts should be reported as positive standing I thank you for your time. Please investigate and take a look at these accounts 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

Transunion is re-aging and reporting incorrect data on my credit report.According to my credit report dated XX/XX/XXXX, collection account XXXX XXXX XXXX reporting an open date of XXXX XXXX. As of XX/XX/XXXX, the open date is now reporting XX/XX/XXXX. I have attached copies of my identity and information requested that the debt is actually mine for your review. Thank you for your time and assistance
Product: Credit card

On XX/XX/2023, we enrolled in a XXXX membership, intending to enjoy their facilities with our family. Unfortunately, due to unforeseen circumstances, we were unable to utilize their services and proceeded to cancel the membership on XX/XX/2023. We meticulously followed XXXXXXXX XXXX online cancellation process, ensuring all family members associated with the account were included in the cancellation request. 

We have concrete evidence, including a screenshot taken during the cancellation process and email confirmations from XXXX, validating our comprehensive cancellation. These documents unequivocally demonstrate that all memberships under our account were intended to be terminated, contrary to XXXXXXXX XXXX assertion that only the primary membership was canceled. 

Regrettably, XXXX continued to charge our account in the subsequent months, despite the lack of service utilization and our explicit cancellation. We find this to be a clear case of wrongful billing, necessitating immediate remedial action.
Product: Debt collection

The original creditor on this is synchrony bank I believe it's for tires for less and it is in relation to identity theft and the new collection agency is called XXXXXXXX XXXX credit which is referring to the synchrony bank creditor which was removed already.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE APPLICATIONS THAT HAS BEEN FILLED OUT USING MY PERSONAL INFO AND MY INFO HAS BEEN USE FOR MEDICAL SERVICES THAT I DID NOT GIVE CONSENT I CONTACTED XXXX, XXXX AND EQUIFAX TO HAVE THEM REMOVED THEY WOULD ASSIT ME OVER THE PHONE SO I MAILED THEM THE DISPUTE ASKING THEM TO BLOCK THE FRAUDLENT COLLECTIONS AND INQUIRES.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending letters to XXXX in regards to an alleged XXXX XXXX XXXX loan asking them to verify an alleged debt with proof of original documentation, but they have failed to do so. I have asked for them show me their Method of Verification and they did not send it. I am worried that they are not actually investigating my dispute and are using the e-Oscar system instead, which I did not consent to.
Product: Debt collection

I am writing this formally stating, midland credit management continuously calling my phone daily and sending mail to my home threatening to sue me if I do not set up a payment with them, I do not acknowledge signing a contract with this company.
Product: Credit reporting or other personal consumer reports

I would like to forge forward with a righted disputation, challenging what likely is an inaccurate, untrue, incomplete, untimely, non-compliant, and possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report. This item is possibly causing violating infringements and injury to my credibility. 

While studying my report, I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven entries, which fail to meet the standards of being precise, correct, complete, timely, mine, my responsibility, FCRA compliant, XXXX XXXX Format compliant, or otherwise compliant to every single applicable regulation, law, and standard of reporting that you are mandated to obey without default or deficiency of any sort. 

The following challenged data is among such items, all of which require immediate deletion or removal from reporting. I rightfully demand that you do so todayimmediately, now, and here! 

Below is the currently mandated, yet not apodictic, valid, or certifiably compliant information I mark as being in question : Name : ALSO KNOWN AS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting to formally dispute the following inaccurate information that appears on my credit report. These items are incorrect, and I request their immediate deletion to reflect the accurate state of my credit history. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate information on my credit report and expect a resolution within 30 days. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$450.00} XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX XXXX Balance : {$3100.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$0.00}
Product: Checking or savings account

My account was overdrawn by {$110.00}. i transferred XXXX from XXXX  and another {$80.00} was sent through XXXX  to my account to {$7.00} in the positive. I woke up to me about being XXXX in the negative. Now they are trying to charge me another overdraft fee even though my account was in the positive by XXXX.
Product: Credit reporting or other personal consumer reports

I was apart of DATA BREACH. 

Section 605B of the Fair Credit Reporting Act ( FCRA ) gives consumers the right to request that credit reporting agencies ( CRAs ) block the reporting of information in their file that resulted from identity theft : REMOVE ALL ACCOUNTS FROM TRANSUNION, XXXX, and XXXX. 

I HAVE THE RIGHT TO HAVE ACCURATE INFORMATION ON MY CREDIT REPORT!
Product: Credit reporting or other personal consumer reports

I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified Metro 2 format reporting standards.

Your organization is in breach!

According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy rights.

15 U.S.C. 1681 Section 604 A Section 2 also stipulates that a consumer reporting agency can not provide an account without my explicit written consent.

Furthermore, as per 15 U.S.C. 1681c. ( a ) ( 5 ), it is prohibited for any consumer reporting agency to include certain adverse information in a consumer report, except for records of crime convictions older than seven years.

Additionally, under 15 U.S.C. 1681s-2 ( A ) ( 1 ), it is illegal for any individual to provide inaccurate consumer-related information to any consumer reporting agency, if they are aware or have reasonable cause to believe that the information is incorrect.

Listed below are the Personal Information that are being challenged Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Incorrect XXXX : - XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

was doubled charged for a purchase from XXXX XXXX  XXXX XXXX in Louisiana for {$100.00} on XX/XX/2021. Contacted merchant, they said they would credit my card, they didn't. Contacted Chase, they denied me because the receipts show I signed, but it is not my signature.
Product: Debt collection

ACCORDING TO MY CREDIT REPORT, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX. ( XXXX ) XXXX IS SHOWING A COLLECTION ON MY CREDIT REPORT FOR XXXX XXXX IN THE AMOUNT OF {$420.00}. IT SHOWS A DATE OF BEING OPENED ON XXXX XXXX, 2017 ( 4 mos ). COLLECTION AGENCY IS NOT LICENSED IN THE STATE OF FLORIDA NOR ILLINOIS TO COLLECT DEBT. In Illinois, there is a state law that applies to debt collectors.225 Ill.Comp. Stat. 425/1 to 425/25. The statute is a licensing statute which means it requires the collector to be licensed to collect in Illinois. XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In regards to an Internet ( XXXX ) bill which was sent to collection on XX/XX/year> and paid in full by me shortly thereafter, this one-time delinquency was the result of a miscommunication by the XXXX customer service representative XXXX 
I was misled by the XXXX representative, and I am being unjustly punished by this delinquent mark on my credit. I have emails, invoices from XXXX which do not show any owed balance, payment records and text communications and most recently a screenshot of a customer service chat claiming they have no record of it. 

-- > Please note that when asked, the representative verbally confirmed that the account was now entirely in the new customer 's name and that I could settle my previous month 's bill with her directly. I immediately proceeded to remit payment to her. 

There was no delinquency on the account at the time, nor had there ever been previously. In fact, if you look at my credit report, you'll notice that - aside from this instance - I have a history of 100 % on-time payments in all my various accounts. 

I emphatically attest that the XXXX customer service representative, on the lengthy three-way call with myself and the transferee, left us both with the distinct understanding that my " final month '' balance was being carried over to the transferee 's account and that I could settle it with her directly. We both believed that the matter was concluded and that no extra money was owed by me to XXXX. 

I received no further correspondence from XXXX. No invoice, no past due notice. 
Nothing. 

-- > Please note that The FIRST indication I had of any owed balance was the initial collections call from Eastern Account. I had received NO invoice from XXXX. I was given no notification whatsoever of an open balance, nor any time to resolve it before it was sent to collections. 

I immediately inquired with XXXX, but they told me there was nothing that they could do, that it was too late. They admitted XXXX fault of their own and refused to provide any details to me at all about my account history. My jeopardy due to the lack of any timely correspondence from XXXX seemed to be of no concern to them. They admitted no error, but an error was clearly made on their part. 
And I continue paying the price to this day. It has already cost me hundreds of dollars in higher interest, money that I am being charged on other accounts because of the excessive XXXX hit to my credit rating from this single instance. 
I hope youll agree that this is unjust, and take appropriate corrective action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The Experian and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian, XXXX, and XXXX have failed to fulfill their legal obligations under the Fair Credit Reporting Act ( FCRA ) to reasonably reinvestigate disputed information on my credit report, leaving inaccurate and unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to notify consumers of dispute outcomes adequately. these failures align with my experience, where Experian has neither corrected nor removed or amended the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated the accounts listed below was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, date last reported is inaccurate, two-year payment history is inaccurate, account status is inaccurate, past due balance on a charge off account is inaccurate. This is grounds for removal. 

Account Name : XXXX XXXX Account # XXXX Account Name XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX They also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions.

They also violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes. They also violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> there was a collection with a debt of {$910.00} by XXXX XXXX filed on my credit report that I have no knowledge of and from a place I dont reside. In result it has caused my credit score to drop XXXX points.Ive already disputed it through experian but Ive yet to see any results concerning the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me.The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Checking or savings account

Almost two months ago I attempted to open a Navy Federal checking + savings account. I went through the entire online process without issue and was not notified of any problems. I deposited at that time {$95.00} into a checking account, {$5.00} as required into their savings. Approximately two weeks went by and after receiving no email contact, phone calls, or snail mail, I called in. I was told that they needed to verify ID and proof of address. I said, great, not a problem, got the ID number XXXX, a fax number, and sent the required items over. Again another week or two went by, zero communication, zero notification of any problems. I called in yet again. This time I was told my ID did n't come through OK. I told the woman I spoke to, fine, I 'll email it directly to the pertinent department. On XX/XX/XXXX, I sent a scanned, high resolution copy of my license, along with access code XXXX to XXXX. No response. Crickets. No mail, no phone, no anything. Yet again I call in to get a status update. Apparently that email, despite going to the precise email address provided - and despite having CONFIRMATION that the email was sent, apparently went into an abyss. I told THAT woman that either this gets resolved on the phone today ( at this time, late XX/XX/XXXX, more than a month after attempting to open the account ) or the account is closed today. The relevant department did not find the email and did not provide a convenient means to provide that information for a third time, thus I immediately demanded closure of the account. Closure was GUARANTEED. REfer to the XXXX recording that you supposedly keep. And a check in the mail was to be sent. And yet on XX/XX/XXXX I receive a letter in the mail requesting ID and proof of address to be sent. Which btw, was quite literally the first communication from Navy Federal to me at any point in this two month process. All other communication was me having to get in touch with Navy Federal And on this call, I 'm told that I need to show up at a bank location to close the account and get my XXXX money back. I 've wasted multiple hours and now I 'm being told a simple closure process that gets me my XXXX money back requires wasting MORE time as you are n't around the XXXX corner. I WANT MY XXXX MONEY BACK AND I WANT YOU TO LOSE ANY AND ALL OF MY INFORMATION If that does n't happen, I 'm taking everything viral. I have consumer 's list of 100k that I will put this story in front of and I will incentivize it going viral if need be.
Product: Credit reporting or other personal consumer reports

Upon Reviewing my consumer report I noticed some inquires that I did not make nor did I approve anyone to pull my report