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

I am writing to address several concerning issues regarding the handling of my personal information as governed by various sections of the Fair Credit Reporting Act ( FCRA ) and related statutes. 

Firstly, according to 15 USC 1681 section 602 ( a ) of the FCRA, it is imperative that consumer reporting agencies such as XXXX and XXXX conduct their operations with fairness, impartiality, and respect for consumers ' privacy rights. As a consumer, I am entitled to ensure that my private information remains secure, as reinforced by 15 USC 6801, which mandates financial institutions to uphold the privacy and confidentiality of customers ' nonpublic personal information. 

Under 15 USC 1681 section 604 ( a ) ( 2 ), it is explicitly stated that consumer reporting agencies may only furnish consumer reports under circumstances outlined in written instructions from the consumer. I have not provided consent, neither written nor implied, for Trans Union, or any furnisher of information to credit agencies to share my personal information.

Furthermore, according to 15 USC 6802 ( b ) ( c ), financial institutions are prohibited from disclosing nonpublic personal information to third parties without informing consumers of their right to opt out of such disclosure. I have not been properly informed of this right by the relevant financial institution.

Additionally, the reporting of adverse items of information, such as the account in question, without my consent violates 15 USC 1681C ( a ) ( 5 ), which restricts consumer reporting agencies from including such information in consumer reports.

Moreover, 15 U.S. Code 1681s2 ( a ) ( 1 ) prohibits the furnishing of inaccurate information to consumer reporting agencies, and XXXX and XXXX are failing to uphold reasonable procedures to prevent violations of the FCRA, as mandated by 15 U.S. Code 1681e.

Finally, under 12 CFR 1016.7, I am exercising my right to opt out of your reporting services effective immediately. 

In light of these violations and discrepancies, I expect immediate action to rectify the situation and ensure compliance with all relevant laws and regulations.
Product: Checking or savings account

From XXXX until XXXXXXXX XXXX XXXX someone had access to our accounts. We have already had an open claim and had it reviewed multiple times. We just recently received a letter from XXXX that my XXXX XXXX XXXX XXXX and phone number was compromised. This is new evidence and shows that this wasn't our doing. Please review the new information and please take care of this.
Product: Credit card

I receive paper statements from Capital One. Their statements say " payment received by due date or a late fee ''. Several times already, I have been charged a late fee even though I made payment on their website on the due date. Every time I contact them, they say it was charged because I did n't make the payment by a certain time on that day for it to post quickly. Even though the authorization shows it was made that day. No where on their paper statement does it say it has to be by a certain time on the due date. once again today I am contacting capital one about late fees on XXXX statements and I 'm getting the same run-around again. They are only willing to waive XXXX of the late fees. My point in the past is if I had mailed a check/money order dated or post-marked the due date, it would be accepted but my making a online payment ( which is faster ), is not acceptable for that date unless its ' by a certain time. None of my other credit card companies do this. I dont ' mind late fees if my payment action is actually late, not on the due date. This I mind and getting tired of keeping track of something that I ca n't just pick up the statement and see it in writing.
Product: Debt collection

I told them I am out of a job and looking for work, but they continue to call my friends and family after I told them to stop. 

They said they would stop, but did not. Now my friends and family are angry and not sure what they can legally do about it. 

I have no money, no food and no job, I can't pay what I don't have. When I get a job, I will pay them.
Product: Debt collection

I terminated my auto insurance contract with XXXX XXXX XXXX XXXX earlier this year when they raised their rates. My insurance agent assured me several times that the contract had not been renewed for the new term and my policy was cancelled. Now a collection agency is trying to collect a balance on the closed account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX/www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which are being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance : {$5300.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$540.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that XXXX efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on AMERASSIST AR SOLUTION ( Original Creditor : XXXX XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

.
Product: Credit reporting, credit repair services, or other personal consumer reports

the first progress report account that's reporting on my credit report account number XXXX XXX has a lot of inaccuracies that should be deleted off my credit report ... reporting of someones credit report that's not accurate it's illegal ... in XXXX it says they open XX/XX/2020 while in XXXX it says XX/XX/2020 which makes this report invalid please delete immediately..
Product: Credit reporting, credit repair services, or other personal consumer reports

Tower Loans has been reporting an alleged account on my credit file from the 3 credit bureaus as a charge off with a balance of {$2200.00} and the payment status on the account is showing as current. This is negatively affecting my credit. They have not provided me with an original contract with my signature nor the account reporting for this tradeline.
Product: Vehicle loan or lease

I put 50 % down on a {$21000.00} vehicle. It was my first purchase and was instructed that I only owed {$18000.00} after dealership fees. So far I paid {$20000.00} on my vehicle in total with the down payment. I am told that I still owe over {$32000.00}. I was told that I had a balance on top of a finance charge. I sought out advice from a third party to explain my contract to me and it wasn't until after my car was repossessed that I got a clear understanding of what it is. My car is on it's 3rd repossession. The first repossession, I had to travel 2 hours at 9 months pregnant to retrieve the vehicle. When I retrieved the vehicle my right back wheel arch panel was missing. After the second repossession all of my car 's interior panels were removed, keys deactivated, and damaged caused on the same exact side. Prior to the third repossession a representative told me as long as I made active payments, even if it wasn't the full amount my car wouldn't go into repossession. Four days later I took my infant from the vehicle and as I was walking into the building, a head hunter hooked my vehicle to his pick up stating that my car was on an app that said my car was " marked with a bounty. '' I called credit acceptance immediately and was told if I paid a about {$600.00} that they would stop the repossession. I didn't have it because I was starting a job days later. I don't have the exact dates and times because I didn't keep a record, I didn't know I had to. My car is set to be put on the auction block and I'm not sure who can help. I saved 4 years for that down payment and budgeted accordingly, I can't lose this vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. *** XXXX  XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX and XXXX XXXX XXXX  XXXX
Product: Credit card or prepaid card

My credit card ending in XXXX with Chase is overpaid by over {$3000.00}. I initially made a {$3000.00} dollar payment to XXXX XXXX in XXXX XXXX Florida for a down payment to car which I later returned. XXXX refunded the {$3000.00}. On the same day I made a payment to XXXX, I also made payment from my checking account in the amount of {$3500.00} to cover the payment to XXXX and any other balance on my card ( I usually keep a zero balance on my credit cards ). The result of the XXXX refund and my {$3500.00} resulted in a balance due me of over {$3000.00}. I called Chase, my credit card bank to request a refund back to my checking account. The supervisor assured me the refund I requested was going to be put back in my account ( {$3300.00} ). I was made aware to made aware today XXXX when I called Chase after a XXXX minutes wait on the phone that the supervisor only requested a {$200.00} refund which has still not been processed instead of the {$3300.00} I requested. I was also told due to the mistake made by the other supervisor I will have to wait twice the time to receive my refund ( over {$3000.00} ) which is a negative balance due me from my card ending XXXX. I asked when the turn around time was and the supervisor told me that he does not know a turn around time. My question is, how come I am being punished to to Chase mistake of not initially processing the request I made correctly by holding money from my checking account? Secondly the money came from a Chase checking account which the credit card department can verify so what is their problem? By sitting on over {$3000.00} of my money are they going to pay interest?
Product: Credit reporting

There is Public Record Information on my was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$4100.00} ; XXXX XXXX XXXXXXXX XXXX : {$830.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Victoria 's Secret credit card through Comenity Bank has " lost '' or " deleted '' my online account/profile connected with my store credit card. I can not make online purchases at all or in store purchases with the card alone, without having an employee call into Comenity Bank to manually process the transaction over the phone. I can not gain access to my online account to pay my bill, monitor the account for transactions, etc. 

Comenity Bank has been unable to identify the issue or how to resolve it. 
I have spoken to XXXX representatives at Comenity Bank, stepping away from my job on XXXX separate occasions over the past few weeks and have not received any information, answers or resolutions. Each time I call I am told they will " escalate '' the issue to a higher IT department but that I have to call back in to get an answer/update/resolution and when I called back I was told the same thing again and it does not appear anything was done to attempt to rectify the situation. I am concerned that my private information may be vulnerable or has already been breached. I have since locked my credit profile as a precaution. I have concerns that this issue will continued to be ignored and not rectified through Comenity Bank, forcing me to either leave the account open and potentially vulnerable or close the account and suffer the impact it will have on my credit report/history. I will be looking to purchase a home in the near future and this could pose an issue and would like to have this situation remedied in a reasonable timeframe. 

The credit card through Victoria 's Secret/Comenity Bank is in my maiden name, can be provided upon request.
Product: Debt collection

On or about XXXX I entered into a program with ( COA ) CLEAR ONE ADVANTAGE to pay off a creditor ( XXXX ) XXXX XXXX XXXX XXXX. Clear one made a settle agreement with XXXX in the amount of {$5700.00} with fees included of {$3400.00} for a total of {$9100.00}. I have been paying {$250.00} per month from XXXX to today which comes to {$4400.00} paid to date. Once I learned that Clear One was only paying the creditor {$10.00} per month I started asking questions, " How much has XXXX been paid and how much was COA was paid in fees ''. I logged into my account but was unable to find much information. I did find a vague Activity Statement but it did not explain what was going on. I sent emails and made many phone calls also. On XXXX I canceled the program with COA and made a direct payment arrangement with XXXX. According to COA I owe them another {$500.00} in addition to the {$4200.00} already paid. When the fee going to COA was only {$3400.00}. My balance with XXXX still remains, COA took all of the fees up front. I do not agree with how COA does Business I have been cheated. All or most of that money could have been paid to XXXX. I am a XXXX XXXX Veteran on a fixed income, I can't afford to be ripped off.
Product: Money transfer, virtual currency, or money service

( XXXX, XXXX ) due to inadequate customer service and unfair practices, which violate the XXXX XXXX XXXX XXXX ( XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( XXXX ) and XXXX XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you for taking the time to review my credit file. When I contacted them each by phone call, they were not able to pull up any information on me with my social security number, date of birth nor name. In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. 

XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX JPMCB - XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX JPMCB - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX CXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX JPMCB - XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX JPMCB - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX
Product: Money transfer, virtual currency, or money service

I have been using the same venmo account for a couple years. I ended receiving a large tax refund and after a week. They froze my account and have refused to disclose the reasoning behind it. I have look into terms and conditions and I can not identify which t & c I broke. I still have thousands in the account and have zero access to it. They say it would take 6 to 7 days on XXXX XXXXXX/XX/2022. And they still keep repeating that even now which is the XXXX of XX/XX/2022. The terms and conditions were unclear about how to unfreeze an account. Due to this I have already been negatively affected by this. Loss of phone service, late payment fees on rent, and inability to even get food.
Product: Credit card or prepaid card

I am a victim of identity theft. In XX/XX/XXXX, when I checked my credit score from my financial institution 's site, I noticed that my score went down XXXX points from XXXX to low XXXX. I reviewed my credit reports and learned that my personal information was used to open various accounts with XXXX and Discover. Based on the information that XXXX sent me, the accounts were opened using my name, SSN, birthdate, an old address from XXXX and a made-up email using my name and birthyear. I did not open nor authorize these credit card accounts and I contacted said companies to have them : 1. Close said accounts immediately. 
2. That XXXX and Discover absolve me of all charges on the accounts, and 3. That they take all appropriate steps to remove information about these accounts from my credit files. 

I filed a police report through the XXXX XXXX XXXX Department. I also filed an Identity Theft report through the Federal Trade Commission. I have contacted the companies where fraudulent accounts were created. I have also reported this to XXXX, XXXX and XXXX. 

I spoke to a Discover Card Fraud Department representative, " XXXX '', on XX/XX/XXXX. XXXX claimed that their initial investigation did not find that fraud occurred in this account because the phone number they said is associated with the account is a phone number linked to me based on public records. I have a different phone number than what they have on file. And I have been using this number since I started subscribing to XXXX from XX/XX/XXXX. I have received a letter from Discover dated XX/XX/XXXX which stated that I am responsible for the entire balance on the account and will begin receiving statements within 30 days. The representative gave me the name, address and phone number of the merchant involved in the fraudulent transaction. I contacted the XXXX XXXX XXXX Department and gave them this information to update the status of the fraudulent accounts. The Sheriffs Deputy who assisted me, XXXX XXXX, created a supplemental report and forwarded it to the XXXX XXXX Police Department for possible further investigation.