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

I found a fraudulent charge of {$220.00} to XXXX XXXX on my credit builder card through Chime bank on XX/XX/2021, and notified them immediately. They canceled my card and issued a new one, when not even 24 hours later, XX/XX/2021 they determined there was no fraud. I asked them to reopen the case and they asked for documentation I was not at the location of the charge so I provided a copy of my work time card, showing I was recorded at a different location. They replied it was not relevant, even though they requested the document. They are holding me responsible with no support.
Product: Credit reporting

I have disputed debt buyer accounts on my credit reports to all XXXX agencies because when the XXXX collection and the XXXX collection were due to be removed XX/XX/XXXX they all XXXX allowed debt buyers to replace these on my credit report even though that is illegal. I want these removed immediately. I want proof of where I signed with these debt collectors, etc.
Product: Credit card or prepaid card

I have purchased a refrigerator and a gift card from XXXX on XX/XX/19. The listing said that I can either pay $XXXX for a refrigerator  or pay $XXXX and receive a gift card for $XXXX. I did not receive a gift card from XXXX. I did dispute it with the credit card who stated that they cannot help me, because the refrigerator was delivered (smaller part of the package I have purchased.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion report XXXX This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit :
Product: Debt collection

Transfinancial Companies is reporting an unknown medical account ( s )  XXXX in the amount for {$120.00} ) on my credit report ( s ). I mailed Transfinancial Companies a registered and tracked letter via the United States Postal Service on XX/XX/2018, requesting validation for the debt/account ( s ). More than thirty days have passed and Transfinancial Companies has not responded to my request for debt validation for the account ( s ) their company is reporting on my credit report ( s ). Transfinancial Companies has not responded to my letter requesting debt validation but continue to report the unvalidated/unverified account ( s ) on my credit report ( s ). In addition, Transfinancial Companies placed the account ( s ) on my credit report ( s ) without following the Fair Credit Reporting Act laws to validate the debt and allow time for proper dispute. Transfinancial Companies never provided me any type of notice and/or communication via mail or otherwise regarding the account ( s ) their company added to my credit report ( s ) .Moreover, I have always retained medical insurance. I contacted my medical insurance carrier and the original creditor regarding the account ( s ) /debt in question and was told by both that I did not have any outstanding medical bills that were not paid in full.

Transfinancial Companies is causing me injury and is harming me emotionally, physically and financially and causing me mental and emotional stress and anxiety, which are  exacerbating and aggravating my current medical issues.
Product: Debt collection

This debt started off in 2018 being approximately XXXX XXXX This debt bought from XXXX XXXX company by XXXX address XXXX XXXX XXXX XXXX, XXXX, XXXX, TX phone number XXXX XXXX XXXX. In the beginning I contacted them to find out what exactly in detail what I owed them for. The reply given you know what you owe for. I knew this total to be badly mistaken from the very beginning. Several lawsuits were brought against XXXX  Trucking company just for this particular reason. Several lawsuits are still being brought to this day. XXXX of the biggest being XXXX vs XXXX on behalf of himself and hundreds maybe thousands of truck drivers. My so called XXXX $ debt went from approximately XXXX $ to approximately XXXX $ debt. The XXXX $ debt is still on credit report. It should be deleted due to incompetence and damage done to credit. No explanation in detail of any kind only damaged my personal credibility and credit.
Product: Credit reporting or other personal consumer reports

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to report an inaccurate bankruptcy on my file. They told me that the information was verified XXXX XXXX XXXX on XXXX XXXX which I find hard to believe because I have a letter dated XXXX XXXX from the XXXX XXXX vendor XXXX XXXX that my file is not accessible. This was done because the state of California filed a lien in error and later had it removed from my reports, but it remained in XXXX XXXX so I was getting mailers from attorney offices and scam calls from companies saying I needed to pay the debt to them. This bankruptcy is inaccurate and not verified.
Product: Debt collection

In XXXX I began the process of working with XXXX XXXX XXXX to settle my debt. XXXX 's XXXX Bank was one of the accounts. XXXX  agreed to a settlement in XXXX of XXXX ( proof provided ) and XXXX XXXX XXXX sent them a settlement payment through XXXXXXXX XXXX  which XXXX process. Around XXXX of XXXX, I noticed a collection on my credit report from Portfolio Recovery Associates LLC for the original XXXX 's Debt. Starting in XXXX, I contacted Portfolio Recovery and provided several forms of evidence showing the debt was paid. Portfolio recover stated they purchased the debt in XXXX of XXXX. I submitted a Statement from XXXX XXXX XXXX showing the settlement and payment, a letter from XXXX  accepting the settlement, a receipt that the payment was made for XXXX XXXX XXXX through XXXX XXXX XXXX, a bank statement from XXXX XXXX XXXX showing the payment made, and a copy of the check sent to XXXX bank in the amount of XXXX that was processed by XXXX Portfolio Recovery still refuses to accept my evidence of payment and continues to send me letters or remove the collections from my credit report.
Product: Credit card or prepaid card

I ordered a pair of shoes online from XXXX for {$220.00} + tax XXXX {$250.00} ) and paid for it with my Citibank Mastercard on or about XX/XX/2019. 

On XX/XX/2019, I received the shoes and tried them on at home and realized that the size was too big. I called XXXX because I wanted to exchange the product for a smaller size. The XXXX ' rep told me that I could return the product and get a refund and then order a new pair of shoes in a smaller size. The XXXX XXXX rep then emailed me the return label and confirmed int he email that I could get a refund. 

On XX/XX/2019, I dropped off the package containing the shoes with the Post office using the label that XXXX sent me and confirmed later by online tracking that the product was received by XXXX on XX/XX/2019. 

When I followed up on XX/XX/2019 about the refund, I got an email back saying that my merchandise return had been rejected and returned to me on XX/XX/2019. After getting this email, I went home and checked to see if any package was delivered to my home without me knowing about it. I discovered that a package had been delivered to me but inside the package were products that I had not ordered. On XX/XX/2019, I emailed XXXX and explained the situation. On XX/XX/2019, I emailed XXXX and asked if I can order a replacement shoes instead of a refund and XXXX emailed me on XX/XX/2019 to call their rep. I did so but was told that I had to pay for the replacement shoes and wait for the refund. So I ordered the replacement shoes for {$290.00} + tax on XX/XX/2019. But on XX/XX/2019, XXXX emailed me rejecting my claim for return/refund. I then filed a complaint with Citi. 

I sent Citi full documentation that XXXX 1 ) allowed the return and refund as per the XXXX email dated XX/XX/2019, and that 2 ) I sent the merchandise back using XXXX ' return label on XX/XX/2019, and 3 ) I even showed that proof that it was it was XXXX return merchandise vendor that messed up my return with another order for XXXX XXXX XXXX that had nothing to do with me. I showed them that in the box that contained worthless products that I did not order ( which XXXX sent back to me claiming that was what I had sent them ) was a letter from XXXX XXXX XXXX rejecting the return. 

Despite this, Citi rejected my claim and says that if I have documentation that XXXX agreed to credit my account that they may be able to help me. 

In sum, I have paid for XXXX pairs of shoes ( {$220.00} + tax and {$290.00} + tax ) but received only XXXX pair of shoes. XXXX refuses to acknowledge that the company that handles return merchandise for them ( and apparently also for XXXX XXXX XXXX ) made a mistake and despite documentation showing the likely way in which that mistake occurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my credit report. The company did not send me one. I am attaching identity and address verifications to this complaint.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau Complaint Complainant Information : Name : XXXX XXXX Email : XXXX Phone : ( XXXX ) XXXX Address : XXXX XXXX XXXX, XXXX, XXXX  XXXX Subject of Complaint This complaint is filed by me, XXXX XXXX, asserting my status as a secure party with UCC1 filing number : XXXX. It concerns violations of federal consumer protection laws and privacy rights, as outlined in the attached FTC affidavit and supporting documents. 

Details of the Complaint Alleged Late Payments : Financial institutions and credit reporting agencies have unlawfully reported late payments on my credit report. Late payments are transaction- or experience-based information, which are not permissible for reporting under federal consumer protection laws. These actions violate the following : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 : Reporting of impermissible late payment data constitutes a failure to comply with the accuracy and integrity requirements und

er 1681s-2. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 :
Misrepresentation of the nature and status of alleged debts through the inclusion of impermissible late payment data. 
Unauthorized Bankruptcy Reporting : I did not consent to any third-party agencies, companies, or credit reporting entities reporting bankruptcy filings or associated information on my credit report. Reporting this information without my explicit consent constitutes a violation of my privacy and federal laws. 

Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 : Unauthorized reporting of bankruptcy filings is a breach of consumer privacy rights under 1681c, which restricts the inclusion of certain information on credit reports. 
Federal Trade Commission Act ( FTCA ), 15 U.S.C. 45 : Dissemination of unauthorized or inaccurate information is deceptive and unfair. 
Attached is a letter from the bankruptcy court explicitly stating that they do not report information to any agency, company, or third party. This demonstrates that such reporting is not only unauthorized but also unsubstantiated by the primary source of the alleged data. 

Secure Party Status As a secured party under UCC1 filing number XXXX, I assert all rights and protections available under the Uniform Commercial Code and federal consumer protection laws to safeguard my privacy and financial interests. 

Desired Resolution I demand the following actions : Immediate removal of all late payment entries and bankruptcy reporting from my credit reports. 
A formal investigation into the reporting practices of the entities responsible for these violations. 
Full compliance with federal consumer protection laws, including adherence to FCRA standards for accuracy, privacy, and integrity in credit reporting. 
Financial restitution for the harm caused by these unauthorized and unlawful reporting actions. 
Attachments The following documents are included as supporting evidence : FTC affidavit dated XX/XX/year>, detailing violations of consumer protection laws. 
A letter from the bankruptcy court confirming they do not report information to third parties.
Product: Debt collection

On XX/XX/year>, and XX/XX/year>, XXXX attempted to collect XXXX different debt amounts ( {$370.00} and {$350.00} ). Additionally, XXXX engaged a debt collector, XXXX XXXX XXXX XXXX to collect the debt using the same account number ( XXXX ) on XX/XX/year>. Currently, Experian is displaying incorrect information with a XXXX  party, XXXX XXXX XXXX, using a different account number ( XXXX ) and attempting to collect a disparate amount ( {$900.00} ). This amount differs from the previously mentioned account number. Experian has violated consumer law by continuing to publish false and inaccurate personal information, as outlined in 15 USC 1681e ( B ) and 15 USC 1681i ( A ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
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 XXXX XXXX ; XXXX has violated my rights. XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 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 of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.SC 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 resonable cause to believe that the information is inaccurate. 
Please investigate this account a d verify everything is 100 % accurate or remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 3 hard Inquiry on my file report on XXXX  that i have no knowledge of and never authorized. When I found out I had called each company to remove hard inquiry as I never signed anything giving anyone permission This is the list of the hard Inquiry pulls I would like removed : XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I have made payments that reflect 3-4xs the minimum due both in XXXX and in XXXX on my XXXX XXXX  credit card. I logged in to make an early payment this month to make sure I get that in to avoid late fees. When I logged in saw a banner in red on my account stating that my account was closed and I can't use the card. 

I called the credit card issuer Synchrony Bank and I was told that a credit report was run and my account was closed as a result of that. 

The problem I have with this is that I was up to date on payments and yet they check credit and close my account? Closing the account adversely affects my credit score even more. I have seen card issuers reduce credit limits because of this but can you really force closure of an account that is paid to date? Doesn't seem very fair that they punish my credit score even more especially when payments were in for the last two months and they were allowing me to use the card on two recent occasions for a total of about {$100.00}. 

They have in affect stricken down my ability to work my credit back up by closing my account without any notice to me and because they " checked my credit '' and just closed my account.
Product: Debt collection

I have {$380.00} in collections according to XXXX XXXX because of Hunter Warfield. They believe I still owe my apartment complex more money after moving out.

I paid my deposit of {$400.00} that's in my lease that me and the manger of said complex signed but the lease has been ignored and they believe I only put down {$100.00} deposit. 
I have sent my lease agreement to them and received no response.
Product: Credit reporting or other personal consumer reports

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA 3 credit bureaus are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX  ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX XXXX, XXXX ACCOUNT XXXX XXXX, XXXX ACCOUNT # XXXX, XXXX CARD ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX  ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXXXXXX XXXX ACCOUNT # XXXX, XXXX XXXX  ACCOUNT XXXX XXXX, XXXX  ACCOUNT # XXXX, UNKNOWN ACCOUNT # XXXX, XXXX XXXXXXXX XXXX ACCOUNT # XXXX, XXXXXXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX XXXXXXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX ACCOUNT # 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: Credit reporting or other personal consumer reports

I had previously sent a notice to remove some accounts on my consumer reports due to identity theft as I did NOT consent for it to be reported. However, I noticed that it is still being reported and one of the accounts has a very clear inaccuracy as it has 2 different account numbers and another has different account types, different payment status, and different date of last activity. Please see attached exhibit. These accounts are not related to any transactions made by me, XXXX XXXX XXXX, the consumer. According to 15 U.S. Code 1681c-2 this is my statement that all of the listed accounts have been reported without my expressed consent and therefore is a result of Identity theft and must be removed. Please delete these unauthorized accounts or your agency with be in violation of 15 USC 1681c-2 which states that any information that the consumer identifies as the result of an alleged identity theft shall be deleted within 4 days of receiving an identity theft report. 


This has now become aggravated identity theft as I did NOT consent and asked you to remove this information multiple times before. In refence to the listed accounts on the attached letter, pursuant to the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization to report the referenced accounts that I, the consumer, may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a
Product: Credit reporting, credit repair services, or other personal consumer reports

I have hard inquiries that are fraud this does not belong to me this one is from 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 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 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 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: Vehicle loan or lease

Per 15 USC 1635, I have the right to rescind any and all loans should I see fit ; however, this was not disclosed to me. I was not given the transparency regarding the process of the consumer credit application being the financial asset. I have reason to believe that me and my consumer credit were taken advantage of by interstate credit XXXX and their sister company highway motors inc. I was also given false and deception information ( violation of 1692e ) as I was told that a down payment of {$700.00} was required to drive off the lot. Pursuant to 15 usc 1605a - a finance charge is a sum of all charges.