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

I checked my credit score XX/XX/XXXX and noticed a credit card account had been opened under my name with JP Morgan Chase Bank. I immediately notified XXXX and reported it as fraudulent and went to Chase bank and informed them as well. They closed the account and told me to make the report anyways. The strangest part was that the account was opened in XXXX, which is odd because I was born in XXXX. Along with this fraudulent account their were two addresses and a phone number that did not belong to me. I have made the dispute to remove the fake forms of personal identification. It should be stated that I have not had a credit card in the last 4 years.
Product: Credit reporting 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 XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

On XX/XX/2018 I sent out a debt validation letter not a verification letter to XXXX XXXX XXXX asking them for validation.The letter arrived on XX/XX/2018 at XXXX the law states that collection agencies must provide proof the debt they seek to collect is accurate and they have the right to collect it.I simply stated This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION.I insisted that they provide me with competent evidence that I have any legal obligation to pay them and Validation of the debt. Also stated If invalidated all references to this account must be deleted and completely removed from all 3 major credit bureaus of my credit file and a copy of such deletion request shall be sent to me immediately. Within 30 days of me sending the letter they responded with a letter but it did not validate the debt in no possible way to prove I owe it or them. Now I'm taking the next step to get this inaccurate and non validated collection from hindering my credit file.
Product: Credit reporting

on XXXX/XXXX/2016 I filed a dispute with Equifax credit reporting agency over an item XXXX company inaccurately reporting on my credit report and I asked that the item be removed if the company is not going accurately report it. that was not done in fact the company did not respond at all and in fact Equifax gave them an extra week to respond and instead of following my request Equifax decided to update it on their own and not remove it as requested. the law states that if the creditor does not respond in allotted time which is 30 days and 21 days in Maine the item shall be removed from the credit report. Equifax did not do that, when I called and confronted them about the error they looked over my account and refused to remove the item saying they updated instead. which by law they can not do, they have to follow the law.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Regarding Improper Credit Reporting by TransUnion, and XXXX Dear CFPB, I am writing to formally lodge a complaint against the credit reporting agencies TransUnion and XXXX for improper credit reporting practices that violate the Fair Credit Reporting Act ( FCRA ) requirements. The issue pertains to adverse remarks placed on my credit report by XXXX XXXX, which are maliciously recorded and do not meet the legal standards set forth in the FCRA. 

Specifically, my credit report contains the following remarks from XXXX XXXX : " Charged off as bad debt '' " Charged off account. Account closed by credit grantor '' " Account information disputed by consumer, meets FCRA requirements. '' These statements are inaccurate and misleading, as they do not comply with the FCRA 's definition of what can be reported. According to Section 603, Definitions ; rules of construction [ 15 U.S.C. 1681a ] ( 2 ) Exclusions, the term consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report, except as provided in paragraph ( 3 ).

Per business law, the term " transactions '' is defined as events associated with business dealings conducted between two or more parties that involve the formation and performance of an obligation or contract. A " charge-off '' is a transaction related to a contractual obligation between myself, the consumer, and XXXX XXXX . Therefore, reporting this information is a violation of the FCRA, as it pertains solely to the " transactional '' relationship between myself and XXXX XXXX and should not be included in my consumer report.

I believe that this erroneous reporting is not only a breach of my rights under the FCRA but also has caused unjust harm to my creditworthiness. I respectfully request that the CFPB investigate this matter thoroughly. I also ask that the credit reporting agencies remove these adverse remarks from my credit report in a timely manner to correct these inaccuracies.

The inaccurate information has negatively impacted my credit score and my ability to secure credit on fair terms. Immediate action to resolve this matter would be appreciated.

Thank you for your attention to this complaint. I look forward to a prompt response and resolution.
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVE some of the items in my file that resulted from an erroneous credit reporting but I still have ITEMS left that needed to be removed. This is my another attempt to dispute the items in my credit file which resulted from an inaccurate credit reporting. Again, Im sending over an Identity Theft Report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to remove any information or items in my file that resulted from a wrong credit reporting, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report : EXPERIAN : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Please note that you have XXXX business days to remove the reporting of any information or items in my credit file that resulted from an incorrect credit report information. I do not consent to E-OSCAR or any means of automated verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2017, my lease was re-possessed due to being 87 days late in payments. On that SAME day, i paid the remaining {$930.00} of the amount owed on the lease, and have not heard anything pertaining to the account since ; no phone call, no mail, nothing .... Since the date of my final payment, my credit report has shown the following : Account Status : CLOSED Closed Date : XX/XX/2017 Balance : {$0.00} Payment Status : PAYS ACCOUNT AS AGREED. 

After an attempt to have XXXX XXXX reflect my account as being in good standing with the Credit Reporting Agencies, they are now reporting : Account Status : OPEN Payment Status : Past due 180 days Balance : {$830.00} Upon calling them to correct this issue and find out more, the customer associate admittedly told me " i actually don't see a bill, but the amount owed is for repossession fees and late fees .... '' Over the course of the last 2 years, myself, nor my mother ( co-signer on the vehicle ) have received ANY form of communication regarding this matter. XXXX   XXXX says that they sent ONE letter in XXXX of XX/XX/2017, but no other attempts were made, and that letter wasn't even a bill ... .... I want this balance owed dropped, and i want this account removed from my credit report. I have no problem admitting to the fault of late payments over the term of the lease, but i will not, and should not be held responsible or have to suffer for the errors made on the behalf of a company. This is directly affecting my credit score in a negative manner, and it hasn't been reported ONCE in the last 2 years for me to even know that it existed.
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. 


XXXX XXXX  XXXX {$1500.00} UNAUTHORIZED INQUIRIES : 1. XXXX XX/XX/2022 2. XXXX XXXX XXXX XXXXXX/XX/XXXX 3. XXXX XXXX XX/XX/2022 4. XXXX XXXX  XXXX XX/XX/2022 5. XXXX XX/XX/2022 6. XXXX XX/XX/2022 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing regardinga dispute I filed on XX/XX/XXXX concerning negative items reported on my credit reports by Equifax, TransUnion and Experian. As of today, I have yet to receive confirmation that these items have been removed.
Product: Checking or savings account

I was not able to use my debit card this morning or last night so I contacted Chase Bank to find out what was going on. They told me there was a note to contact loss prevention so I was transferred over to that department. Turns out a customer 's check I deposited XXXX days ago they wanted to verify. But he said the number they had for the customer was not a verified number so it was my responsibility to contact the customer and have her contact them to verify the check and then I was to call back after that and they would lift the restriction. There is a two and a half hour wait to get through to that department. So basically I can't access MY money, pay bills, buy gas or food because Chase Bank restricted my whole account for depositing a customer 's check. The check was from another chase business acct. Now I have to do their job and track this customer down so she can call them to verify her check. I was told while this restriction is in place all incoming transactions will be returned unpaid. Due to the 2XXXX  hour wait time this probably won't be resolved until tomorrow, but I'm at a gas station now on empty and need to get dinner for my family somehow.
Product: Vehicle loan or lease

back in XXXX of XXXX submitted tender of payment for my XXXX XXXX XXXX XXXX in full to Westlake financial. Company repossessed my vehicle back in XXXX of XXXX. I've come to find out that my rights were violated. Notice, it is a fact, I am now aware, that repossession, is a violation of 15 U.S.Code 1692e ( 4 ) and is fraud and illegal in the collection of any debts. This is a right secured to me by this code herein and the 4th amendment of the U. S. Constitution. Also, AS I am the creditor Notice, it is a fact, in accordance with 15 U.S.Code 1692h I, the consumer and affiant in fact, give, with my written instruction, direction for Westlake Financial to redirect all prior payments, and all current payments to rectify the matters herein, to me. Also that the company engaged in identity theft and numerous violations under title 15. They refused to validate or verify the debt. They also did not comply with my request for accounting. They reported false information to the credit reporting agencies, threatened and harassed me for payment. Then took my property which I have a commercial lien on via an XXXX financing statement. We have no working vehicle and they violated my rights. Along with continuing to report late payments on my credit report
Product: Debt collection

Contacted by Debt Collector, Franklin Collections Services , Inc. ( FCS ) in regards to repayment. I spoke to a Representative & agreed to pay {$50.00} per month through auto withdraw from my checking account. Instead of taking {$50.00} as agreed, they took an additional {$15.00} with each payment, which was not disclosed at time of making the repayment agreement. FCS did 3 transactions over a 3 month period after my Bank Institution stopped all payments. FCS was notified by telephone as well as Email to stop all withdraws as well as provide recorded conversations explaining that I was notified of additional fees & so far, FCS, has failed to do so & withdrew on my account. After payments were reversed 3 months later, FCS charged me a fee for reversing payment which again I was not notified of & FCS was notified to again, stop. I have made several calls to rectify this & told I would be called back by a Supervisor that never came about. Additionally this Debt Collector is not licensed in the State of New Jersey, which I reside in. 
Dates of Withdraw XX/XX/XXXX {$50.00} + {$15.00} XX/XX/XXXX {$50.00} + {$15.00} XX/XX/XXXX {$50.00} + {$15.00}
Product: Debt collection

CFPB CASE # XXXX XXXX XXXX XXXX XXXX XXXX file suit on debt time barred. Judgement/Lien are preventing home mortgage refinance resulting in extreme financial stress.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX after XXXX est and before XXXX I contacted TransUnion in regards to my XXXX XXXX account. I contacted ( Credit Strong ) umbrella under XXXX capital to resolve this same issue earlier in the day between XXXX est. The company response is that they sent out their reports to all three credit reporting agencies as promised per contract. My response from TransUnion is that they only report what they are given. My report for this account has not been updated by TransUnion since XX/XX/XXXX causing my balance to reflect inaccurate amount.
Product: Credit reporting or other personal consumer reports

When I moved into the XXXX on XX/XX/year> ( I am a citizen born abroad ), I created an online account with Experian so that I can monitor my credit score, access free reports, and handle fraud or freeze issues as needed. I logged in successfully, but was unable to access the account beyond there saying 'internal server error '. At this point, I know I'm not expecting to have a credit score since I've not been in the country for long enough for one to have been calculated, but I also can not access ANY services they are supposed to provide. 

I tried again to go online, only to receive the same thing. I tried calling the phone number suggested, which sent me to an automated response, which traps me in a loop between 'we can send you a text about how to reset your password, or we can end the call '. I don't need help resetting my password so asked to speak to a human, and it says it can't transfer me to a human except in specific circumstances ( but does not tell me what circumstances ). 

I tried again this week to no avail. I then found a phone number on XXXX that I used to get through to a human. It worked, but they said " this is a membership issue so I'll give you their number '' ; from fear of being sent to the automated response I asked to be transferred instead, but was just transferred to the automated response. I tried again with another human, for the same thing to happen again. 

I told the response that I wanted help verifying my identity ( since I wonder if they just haven't got enough data on me yet ), and it said it couldn't help me with that. 

Despite having credit products it is impossible to handle credit reports/accounts/scores with Experian, with seemingly no way round it. I have accessed, without trouble, what I was expecting from XXXX.
Product: Credit reporting or other personal consumer reports

FCRA Violation - Failure to Mark Account as Disputed Account Number : XXXX Report Number : XXXX You have violated my rights under the FCRA by failing to mark my account as disputed after I submitted a valid dispute on XXXX. You updated my credit on XXXX but failed to mark the account as DISPUTED. 

Under 15 U.S.C. 1681i ( a ) ( 3 ) ( A ), if a consumer disputes the completeness or accuracy of any item of information contained in their file at a consumer reporting agency, the agency is required to indicate that the item is disputed by the consumer. If the credit bureau fails to mark the account as disputed, it is a clear violation of this section of the FCRA.
Product: Credit reporting or other personal consumer reports

On XXXX XX/XX/XXXX I sent dispute letters to XXXX and Equifax stating there were inquires on my report I didn't recognize and were incorrectly reporting. Didn't hear back from them so I called and they both said they were unsure I filed the complaint, I reassured them I did and sent another on XXXX XX/XX/XXXX. I called a week later and they said it was validated. I told them my letter said to send proof of investigation and " anything '' with my written consent or email or anything giving these XXXX banks/dealers the right to run my credit report. XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXXXXXX XXXX  had no right to do hard or soft pulls on me as I on specifically told the dealer I was approved and wanted financing through XXXX XXXX XXXX. What they did is Fraud and I want these inquiries deleted/removed as they negatively affect my business and most importantly they weren't authorized! Under the FCRA XXXX they should have removed this fraudulent information within 4 days and it's XXXX now. These inquries done on XXXX XX/XX/XXXX should and needs to be deleted from both XXXX and Equifax. Thank you for your assistance in this matter. XXXX XXXX XXXX XXXX
Product: Debt collection

company being used now are LOCKHART, MORRIS & MONT. Different companies are being made in attempt to fraudulently collect debt using my personal information associated with Tennessee XXXX XXXX. More evidence can be found in my previous complaint. The item is also being reported with a false address. I've never lived at that address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shopping at a local Mattress Firm, XX/XX/2021, and I had decided on one I wanted and asked if there was a way to reserve it. The salesman said yes and asked if I wanted to get pre-approved for financing. I hesitated. He was reassuring and told me it wouldn't take long and that it wouldn't affect my credit score. I go through the whole process and what not. About a week later I go to check my credit score and I see there's a hard inquiry on my XXXX  report from the lender they said they used ( SyncB ) the salesmen never mentioned anything about a hard inquiry being placed on my credit and also told me it wouldn't affect my credit score.
Product: Checking or savings account

To the Consumer Financial Protection Bureau ( CFPB ), I am a customer of XXXX ( owned by XXXX XXXX XXXX, Member FDIC, which is part of the Netspend Corporation ) and maintain a checking and savings account with this financial institution. For the period of XX/XX/XXXX - XX/XX/2022, to earn XXXX 's advertised interest rate of 3 %, customers needed to complete 15 transactions and receive cumulative direct deposits of {$3000.00} or more. 

Between XX/XX/XXXX and XX/XX/2022, I completed the 15 transaction requirements ( see attached document for a screenshot from XX/XX/2022 from the XXXX app showing that my transactions qualified ). The qualifying direct deposits were completed on XX/XX/XXXX and XX/XX/XXXX. 

The attached document ( a screenshot from my XXXX app taken on XX/XX/2022 ) clearly indicates that XXXX deemed my transactions as qualifying ( via the tracker shown ), and therefore I should have received 3 % interest on the {$15000.00} balance in the savings account. 

On XX/XX/2022 ( following the close of the XX/XX/XXXX - XX/XX/2022 quarter ) I only received ,2 % interest instead of the 3 % interest advertised and confirmed for my account. I contacted XXXX by phone on XX/XX/XXXX and was informed that I had indeed met the requirements and that the agent 's system showed I met the requirement. For next steps, the agent mentioned that she would contact the escalation team and that I would receive a response in 2 days. As of XX/XX/XXXX I had not received any follow up correspondence from XXXX, and so I called XXXX again. After being put on hold multiple times, the agent during this call ( XXXX XXXX, then stated that my transactions did not qualify and that I would not be receiving the 3 % interest. I informed the agent that XXXX 's tracker indicated my transactions did qualify and that the agent on XXXX confirmed my transactions did qualify, however, he stated that XXXX would not be providing the interest to my account. 

As a result of this outcome, I am contacting the CFPB for resolution. I contend that through XX/XX/2022 XXXX confirmed my transactions qualified, but then after XX/XX/2022 XXXX disqualified those same transactions after the end date of the specific qualifying time period in order to avoid paying out the advertised interest rate. XXXX therefore employed a " bait and switch '' tactic, which I believe falls under the jurisdiction of the CFPB for investigation and enforcement. 

Thank you for your assistance.
Product: Money transfer, virtual currency, or money service

Cash app let 2 XXXX $ unauthorized transactions just go through. When I contacted support the only way I could at the time email. I explained my situation. XXXXXXXX XXXX Someone I do not know somehow got XXXX out of my account. The first agent said couldn't talk to me because I didn't contact the correct support. Which I didn't understand and explained everything in the reply email. A few days later a different agent contacted my email and said I needed to check with my bank I had linked to the cash app. And assumed the card was stolen. Which it wasn't I got paid the next day. I have pictures of these interactions.