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

I used my Chase Sapphire Preferred Visa to purchase a costume from a merchant on XXXX. The costume was supposed to be a custom costume in the shape of a cup of coffee. The merchant was told 1 ) The lid of the cup needed to be XXXX XXXX 2 ) We wanted the electric fan installed as advertised and 3 ) Specific logo. During the process, the merchant had 1 ) Made the lid XXXX instead of XXXX  without authorization 2 ) Did not include an electric fan as advertised and 3 ) Put the logo on the costume crooked. When we asked them to fix it or give us a refund, the merchant refused to give us a refund or remake the costume. Their only option was to ship the costume as is. They forced me to " confirm '' prior to shipping. I only " confirmed '' that they would either send me the incorrectly made costume or keep the costume and the money. When I disputed this with the credit card issuer, they said that because I said " I confirm '' that no recourse is available to me. All in all, I lost {$400.00} on an improperly made costume that was supposed to have purchase protection by the card issuer
Product: Checking or savings account

I am on a now closed joint checking account with my XXXX year old mother. Neither myself or my mother have any business dealings or accounts and have not authorized any ACH debits with XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, or Fidelity National Information Services , Inc. dba XXXX dba XXXX. 
On XX/XX/2019 an unknown person used Fidelity National Information Services XXXX XXXX dba XXXX dba XXXX service of processing ACH payments and made an unauthorized {$4500.00} debit to the checking account. Fidelity National Information Services , Inc. dba XXXX XXXX XXXX used their prior name XXXX XXXX XXXX XXXX  ACH clearing account that is linked to the original predecessor bank XXXX XXXX XXXX  XXXX to withdraw the funds from XXXX XXXX XXXX, XXXX. 
In response to a prior complaint to CFPB the XXXX XXXX XXXX, XXXX  verified that the originator of the unauthorized debit was XXXX XXXX XXXX XXXX and it is public record with the Secretary of the Commonwealth of Massachusetts that XXXX XXXX XXXX is the new name of XXXX XXXX XXXX XXXX. All supporting records are attached. 
XXXX XXXX XXXX, XXXX stated the following in an email, The name of the company who originated the transaction is XXXX XXXX XXXX XXXX. Their address is XXXX XXXX XXXX XXXX MA XXXX. Their phone number is XXXX. In a subsequent email they stated, The originating company ID is XXXX. 
This layering of ACH debit transactions and willful use of obsolete names shields the natural person criminal from detection. Without being able to identify XXXX XXXX I can not make an accurate police report. Furthermore, I have learned that in ACH fraud crimes where a layer of subpoenas is needed to identify the natural person criminal suspect they are often skipped over by law enforcement in favor of easier to prove cases and may never be prosecuted. 
Fidelity National Information Services , Inc. dba XXXX dba XXXX XXXX XXXX can identify the natural person criminal suspect with this information : 1. The transaction information : XX/XX/2019, XXXX XXXX, - {$4500.00}. 
2. The XXXX XXXX XXXX, XXXX account number of XXXX.
Product: Debt collection

I 've advised this company that I 've never used their services, I don '' t know who they are, this account doe not belong to me. and that they immediately remove this negative inquiry from all  XXXX  credit Bureaus. They have been harassing me with threatening phone calls asking me to pay off this balance.
Last Reported   XXXX   XXXX  , 2017 Collection Agency ABLTY RECVRY Original Creditor   XXXX   XXXX   XXXX   XXXX    Status Open Opened Date   XXXX   XXXX  , 2017 Closed Date -- Responsibility Individual Balance {$950.00} High Balance {$950.00} Remarks Placed for collection ABLTY RECVRY Reported on   XXXX   XXXX  , 2017 {$330.00} Account Details Last Reported   XXXX   XXXX  , 2017 Collection Agency ABLTY RECVRY Original Creditor   XXXX   XXXX   XXXX   XXXX   Status Open Opened Date   XXXX   XXXX  , 2017 Closed Date -- Responsibility Individual Balance {$330.00} High Balance {$330.00} Remarks Placed for collection
Product: Debt collection

I received an email a handful of months ago about a debt that was supposedly owed. I asked for a debt validation letter and one was never sent. Its been well over two months, if not three, since then. They just sent the same details with what amounts were due over and over again and never replied to my emails. 

Additionally, under Kentucky Landlord Responsibilities ( KRS XXXX ) they are required to have Electrical, plumbing, heating, air conditioning, and other facilities must be kept in good condition and they in fact were not. They were told the air conditioning was not working and it reached well over XXXX degrees in the household when I had a XXXX in it. They did not respond to the email, nor fix it. Months later, I left, as it was inhabitable to live in a place that hot with baby. After speaking to the heating company they worked with, they told me all units were way too old and needed replaced as repairing it wasnt going to help them keep up since they were outdated. Many others around me had the same issue. I offered to make a payment for the past due rent amount even though the details were wrong and not validated, but was not going to pay all of the fees given they legally had to fix the issue and didnt and therefore I, under law, was allowed to end it. The company did not ever reply. They did not follow the guidelines they were required too.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I have been a victim of Identity Theft and am trying to get my life back. I submitted the proper documentation to all 3 credit bureaus and they have yet respond. By law within 4 business days they should at least block the information while investigating. The bureaus do nothing to protect us the consumers.
Product: Credit card

On XX/XX/ I applied for a chase freedom credit card application XXXX XXXX I received a denial notification stating that a denial letter would be sent via mail. I immediately called customer service to speak with the lending department and acquisitions supervisor. They continued to state the reasons as to why my application was denied according to my consumer credit profile. I informed them of the discrimination and USC code violations they performed pertaining to them withholding access to my credit. I was refused access to my credit or retraction of my application. Which is a violation of 15 U.S.C. 1691 ( A ), 15 U.S.C. 169 ( C ) 15 U.S.C. 1611 Willfully and knowingly giving false and inaccurate information regarding access to my credit. 
I did file a complaint with Chase directly as well. 
Regardless of the reason for being denied, I have the right to credit withholding my access to my securities is securities fraud. Chase has violated the Equal Credit Opportunity Act and Consumer Credit Protection Act since they are denying me my credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

IT WAS STOLEN 1-MY PERSONAL INFORMATION WAS STOLEN, I NEVER HAD BUSINESS WITH BOUNCE AL INC. AND XXXX. 

2-ALL THESE ARE FRAUDULENT WITH FALSE STATEMENT 3-I NEVER SIGNED ANY DOCUMENTS, FALSE STATEMENT.
Product: Credit card

I used to have an XXXX XXXX XXXX card. The account balance was {$0.00}. XXXX XXXX closed my account on XX/XX/XXXX. They sold my account to Barclays BANK DELAWARE. I screen and monitor my credit Weekly and received a notification from XXXX XXXX Website and realized that my credit score was below the usual number I had. When I looked closely, I realized that my score was affected by BARCLAYS BANK DELAWARE. They claimed I owe a balance of {$180.00} of {$8500.00}. To my surprise, I never received a card nor activated my credit card from this bank. I called them on XX/XX/XXXX and they told me to create a complaint to your company because they have no control or are able to correct this error. They verified that I never activated it. By all means, I am not paying an APR balance of a card that I am not using, and since it 's late, it 's accruing interest. Please help me with this matter and fraud.
Product: Payday loan

i have been contacted via email for over a year by a company who states i have an outstanding payday loan. this loan was included in a bankruptcy from 2013. however, they continue to send emails with numerous misspellings, different balance amounts and today 's email threatening an arrest warrant and threatening to contact my job.
Product: Credit reporting or other personal consumer reports

I found frivolous items on my credit report that do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a ftc report because there were fraudulant accounts and inquiries found on my report, nobody would help me get these off my report.
Product: Debt collection

OneMain attempted to sue me for a questionable debt and when they requested my appearance in court I showed up and they did not. At that time, the judge dismissed the case and the debt. Since that time they have continued to report this debt erroneously on my credit report in violation of the Fair Debt Collection Practices Act as well as the Fair Credit Reporting Act. Please remove this from XXXX, XXXX and XXXX immediately.
Product: Credit reporting or other personal consumer reports

I am reaching out to formally dispute an inquiry that has been placed on my credit report. After thoroughly reviewing my credit history, I discovered an inquiry that I have no knowledge of, nor have I authorized. This inquiry is fraudulent, and I am demanding that it be removed from my credit report immediately.
Product: Debt collection

I have never received notice of collection from this credit union. It never showed up on my credit report until it went into collections. I am just now seeing this on my credit report.
Product: Debt collection

Portfolio Recovery Associates LLC, Has maliciously and and with disregard for correct legal policies for their practices. 
They call my parents house 3-5 times a day, some before XXXX and some after XXXX XXXX. Even after they have requested them to stop calling. 
PRA is trying to collect a debt that was charged off by XXXX XXXX, by writing it off as bad debt on their tax submissions, making this debt not illegible to be sold to a debt collector, making PRA illegally trying to collect an invalid debt. 
The also are reporting two separate debt accounts across three different credit bureaus, which while they are the same 'acccont ' they are listed as two different accounts with different account numbers. 
As is my right with the Fair Debt Collection Practices Act ( Including but not limited to Section 8070-8 ) and the Fair Credit Reporting Act ( including but not limited to Section 623-b ), I have repeatedly requested verification of evidence bearing my signature, or that the account is indeed being reported accuracy. I have also requested the description of the procedure used to determine the accuracy and completeness of the information, which has still not been provided. 
Additionally, as is my right, I asked for the name, address, and telephone number of each person who personally verified this alleged account, so that I could inquire about how they 'verified ' without providing any proof, bearing my signature. 
AS PER FTC OPINION LETTER FROM ATTORNEY XXXX XXXX XXXX, A PRINTOUT OF A BILL OR ITEMIZED DOCUMENT DOES NOT CONSTITUTE VERIFICATION. 
Yet that is the only thing they have provided, even writing to say they see the dispute as closed, which they can not do, without providing the above mentioned information within 30 days. Which they did not. The only legal recourse is for them to remove this collections from my account.
Product: Debt collection

The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried every 60 days sending letters to credit bureaus to update information correctly because its reporting wrong on the bureaus. Last time I spoke with XXXX XXXX was XX/XX/XXXX. This acct has not been updated and last update was on XX/XX/XXXX showing a balance of XXXX which is incorrect payment have been made each month.
Product: Student loan

Harrassing phone calls on my personal phone late night or early mornings, after repeatedly telling them not to call me, also being spoken too in a very condescending tone like I am not a adult.
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Chase bank lost money in bank account do to fraud and it took time to fix error and i realized this bank was breached and having theft issues i reported information and every single time they lied that my identity was not stolen and transaction were mine even thought they are not being as well my bank funds were being sent to other accounts i did not open i kept filing fraud accounts until i had to close chase accounts and they did nothing but write off debt with insurance and ruin my credit by placing two accounts in my name that have fraud theft this bank is so big they could care less if fraud is committed they just charge people even though their are in my case mass transaction reported they keep harassing me with letters fraud is fraud and Chase is using my social security number on transactions i did not authorize the account is fully paid by insurance it is against the law to pay for fraud with insurance and then collect fraud from a person
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance regarding a matter involving inaccurate information on my credit report and the failure of the credit reporting agencies to conduct a proper investigation, as required under the Fair Credit Reporting Act ( FCRA ). 

I submitted disputes to Equifax, Experian, and TransUnion concerning several inaccurate items on my credit report. Despite my request for verification and a thorough investigation, these negative items were not removed, despite the lack of proper validation by the furnishers of the information. 

Under 15 U.S.C. 1681i, the credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information. Furthermore, 15 U.S.C. 1681o provides for civil liability when any person or entity negligently fails to comply with FCRA requirements. Given that the disputed items were not adequately investigated, I believe my rights under the FCRA have been violated.
Product: Money transfer, virtual currency, or money service

I have had XXXX  for about XXXX years and when I started using XXXX  there were a lot of mishaps because the app would provide a verification process and they didnt reimburse or insure transactions that were sent to the wrong number. They were claiming there was nothing they could do when now there is a verification process and better efficiency. I have lost {$1000.00} before this update and had to stop using XXXX for a while because I couldnt trust the services!
Product: Debt collection

In advance this is not a refusal to pay so be advised, that this a notice sent to pursuant to the FAIR DEBT COLLECTION PRACTICE AC, 15 USC 1692g stating that your claim is disputed and validation is requested. 

This is NOT a request for verification of proof of contact and mailing information but a request for VALIDATION made pursuant to the above named title and section. With due respect I request that your office provide me with competent evidence that i have any legal obligation to pay you. At this moment I will also inform that if any of your offices have reported invalidated information to any of the 3 prime credit bureaus ( XXXX, XXXX, and XXXX ) this action may constitute fraud under both our State and Federal Laws. Due to this, if any negative markis found on my credit reports by your company or the company you represent, I will not think twice in taking legal action against you and your client for such as : VIOLATION OF THEFAIR CREDIT REPORTING ACT, VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT, AND THE DEFAMATION OF CHARACTER YOU ARE CAUSING. So as such if your LLC can provide with the proper documentation as requested in the following statement, I will require 30 days to investigate this information, during which time all the collection activity must cease and desist. Also during this time if any action is tkane that could be detrimental to any of my credit reports i will consult legal counsel for suit, This includes any listing of information to a reporting credit agency that could be inaccurate. 

If your office fails to respond to this validation request within 30 days from the date of your receipt, all reference to this account must be deleted and removed from my credit file and a copy of such deletion request sjhall be mailed to me urgently. 
Proof of : ownership of ability to collect the debt and when it was made with the chain of assignments and where with the proper SECURITIZATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DUPLICATE REQUEST. THEY HAVE FOUR BUSINESS DAYS TO FIX IDENTITY THEFT AND IT HAS BEEN WELL OVER THAT DEADLINE. 
Please read and respond. You are required to remove this instance of identity theft from the consumer report or provide the written acknowledgment and authorization provided by the consumer stating that they are opting into credit reporting at the time of signing up to this account. This authorization must have been clear and provided inconspicuously to the consumer. If you are unable to provide this acknowledgment and authorization by the consumer, or if it was not clear and conspicuous at the time of signing, then you must remove this account from their report. It has been over the four days given by law. 

There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transaction to be reported on my consumer report. I did not give Barclays specific written permission or the right to share my personal, private financial information that the consumer reporting agencies have on record, and Barclays did not provide me with clear and conspicuous written disclosure that specifically gave me my rights and options for opting out of credit reporting. Therefore my rights are being violated, my privacy is being violated. I am demanding that you follow the law and that you block and remove the account identified as being identity theft and that they be removed from my consumer reports immediately. 

I am requesting that the reporting of this information to be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transaction is not information related to any transaction by me as the consumer : BARCLAYS BANK DELAWARE | ACCOUNT # XXXX You are required to do what I am asking and block this transaction from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the fair credit reporting act 15 USC 1681 section 602A, states there is a need to ensure the consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and their respect for the consumers right to privacy XXXX and XXXX are consumer reporting agencies that I am a consumer. I have the right to make sure my private information isnt shared, which is back by 15 USC 6801 which states it is the policy of the Congress that each financial institution has an informative in continuing obligation to respect the privacy of its consumers, and protect the security and confidentialities of those consumers nonpublic, personal information furniture of the information to credit agencies the financial institution in consumer reporting agencies, XXXX and XXXX do not have my consent to finish this information, and they surely do not have my written consent any and all consent XXXX XXXX or XXXX XXXX furniture of information to credit agencies, whether it be verbal, nonverbal, XXXX, implied or otherwise is revoked 15 USC 1602 ( b ) ( c ) states that a financial institution may not disclose nonpublic personal information to a non-affiliated third-party unless the consumer is given an explanation of how the consumer can exercise that non-disclosure ( furniture of the information to credit agencies ) I was never informed of my right to exercise my nondisclosure option not only that 15 USC 1681C ( a ) ( 5 ) states except is authorized under subsection B, no consumer reporting agency, make any consumer report containing any of the following items of information, any other adverse items of information, other than records of convictions of crimes, which antedates the report by more than seven years this account is an adverse item, and they are reporting again without my permission place is against the law 15 USC Statu , 1681S 2 ( A ) ( 1 ) state a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cost to believe that the information is an accurate. 15 US code 1681 E. State every consumer reporting agency, tell me maintain reasonable procedures, design to avoid violations of section 1681C of this title and to limit the furnishing of consumer reports to the purposes listed under 1681 feet of this title XXXX, XXXX, and XXXX XXXX Im not maintaining rreasonable procedures. Also 12 CSR statute 1016.7 states that. any consumer me exercise the right to opt out at any time I am opting out of your reporting services. Thank you. 
XXXX XXXX