23daVinci/CFPB_Complaints huggingface dataset:
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And also according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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: Credit reporting, credit repair services, or other personal consumer reports

Experian is falsely reporting information on my credit report. I've sent the company copies of my FTC Report along with my police report and other supporting documents showing my identity has been stolen. They are refusing to block and or delete those items and thats a violation. XXXX, XXXX XXXXXXXX, US DEPT OF EDUCATION/XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX It also shows all of the inquiries on the report that needs to be removed immediately. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i,, I requesting that the item ( s ) be removed and or blocked to correct the information. I've called them several times on XX/XX/2022 with no assistance with the identity theft matter. They told me they weren't going to block and or remove the accounts.
Product: Payday loan, title loan, or personal loan

I asked for a rate reduction on my line of credit and received First time : We regret that we are unable to offer member-initiated interest rate reviews on our Checking Line of Credits. The interest rate assigned at the time of the approved application will be the interest rate until the account is closed. However at the discretion of the Board of Directors, they may adjust this rate, as with all Navy Federal rates. Any decision regarding adjustments will be based on a number of factors, including fairness to our members, current economic conditions and the overall competitive picture. Navy Federal may change the terms of the Checking Line Of Credit by sending written notice to the member at least 45 days prior to the date the change becomes effective. 

Second time : We regret that a more favorable reply could not be made to your rate reduction request. Your feedback regarding your experience with our members service representatives have been brought to the attention of our training staff who will review the matter and follow-up with the personnel involved. Every effort will be made in the future to provide you with the prompt and efficient service to which you are entitled as a member of Navy Federal. 
Third time : We are unable to revert your rate due to not receiving a lien recorded title for the XXXX  XXXX. Once the lien recorded title is received, the interest rate will be reverted back to the Collateral rate. If we can be of further assistance, please let us know. Thank you for your membership. 
Fourth Time : Thank you reaching out for clarification, there was not a title lien on your Checking Line of Credit ( CLOC ) as we don't have collateral CLOC products. 
Regarding changing rates on CLOCs, unfortunately, we are unable to offer member-initiated interest rate reviews on our CLOCs. The interest rate assigned at the time of the approved application will be the interest rate until the account is closed. However, at the discretion of our Board of Directors, they may adjust this rate, as with all Navy Federal rates. Any decision regarding adjustments will be based on a number of factors, including fairness to our members, current economic conditions and the overall competitive picture. Navy Federal may change the terms of the CLOC by sending written notice to the member at least 45 days prior to the date the change becomes effective. If you have further questions, please let us know.
Product: Credit reporting or other personal consumer reports

I am writing regarding accounts that have been reported to the credit bureaus by your agency or company under my name and Social Security number. These accounts are currently reflected in my credit report, but I have not received a 1099-C form indicating any cancellation of debt. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Pursuant to the regulations set forth by the Internal Revenue Service ( IRS ) under 26 U.S. Code 6050P, creditors are required to issue a Form 1099-C when {$600.00} or more of debt has been canceled or discharged. Failure to provide this document within a reasonable period constitutes a violation of both federal regulations and reporting accuracy requirements under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

In accordance with the FCRA, I am requesting validation and verification of the reported debt, as required under 15 U.S.C. 1681i ( a ). If your agency has discharged or forgiven any portion of the debt, you are legally obligated to issue the necessary 1099-C form to me and report this accurately to the credit bureaus. If you are unable to provide the necessary documents, including a valid 1099-C, within the required timeline, failure to do so will be treated as a violation of federal law and could be considered fraudulent reporting under 18 U.S.C. 1341.

Please take immediate action to remove the incorrect and unverifiable accounts from all consumer reporting agencies in compliance with the FCRA, 15 U.S.C. 1681s-2 ( a ). Additionally, I demand that you immediately cease all collection efforts related to these accounts under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq, until proper validation has been provided.

Failure to comply with these requests will leave me with no choice but to pursue all available legal remedies, including reporting this issue to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for further investigation. 
Please respond in writing within 30 days of the receipt of this letter to confirm the removal of the accounts and/or provide the requested 1099-C form.

Thank you for your prompt attention to this matter.
Product: Checking or savings account

On XX/XX/2022 : I received a text message from " Chase Fraud : We declined {$810.00} with card ending xxxx at XXXX XXXX ... ... ''. 
I called Chase immediately and found out there's several unauthorized charges on my card back to XXXX XXXX. 

The most recent are : XX/XX/2022 XXXX - {$910.00} XXXX - {$820.00} I was told that I did not check my account and reported on time fraud activities on my card on XX/XX/2022. Chase is not responsible for any fraud after 60 days. As a result, Chase won't credit back unauthorized charges on XXXX XXXX by XXXX XXXX : - {$910.00} and- {$820.00}. 

XX/XX/2022 : I called Chase Claims Department and was told Chase won't credit back fraud charges by XXXX - {$910.00} and- {$820.00}. 

XX/XX/2022 : I called Chase Claims and was told that my claims were closed. 

XX/XX/2022 : I went to Chase in XXXX. A representative called Chase Claims for me, and I was told that my claims are reopened and will be investigated. 

XX/XX/2022 : After almost 2 weeks, I still have yet to hear from anyone at Chase. I went back to Chase in XXXX. I explained my claims again, and a representative, XXXX XXXX, agreed to contact Chase Claims, and I was issued a notice that Chase won't credit back unauthorized charges on XX/XX/2022 by XXXX XXXX. - {$910.00}, and - {$820.00}. 
I called Chase XXXX and requested to talk with a manager. I was told that He " can't change the outcome by his end ''.
Product: Checking or savings account

I don't even know what company I work for my wife has been appointed to control all my bank accounts, bills, pawn shops titles without my consent and I can't stop her from using my personal information
Product: Credit card or prepaid card

I filed a dispute in my credit card from a XXXX  XXXX, the amount was for 3 different transactions, 2 charges which was completely fraud for XXXX and XXXX the other was for XXXX which the item received was damaged and the job grading was not done correctly, capital one not only did not file the charges disputes correctly but they reversed the charges on my account, I called they said that they would reverse the charges being that there was a error, and they never did. I received a letter in the mail today case number:XXXX It says that the case was resolved I called today amd the representative placed me on hold over 1 hour, company, eye silence, the phone went to a fast busy signal, I called back immediately 45 minutes later the same thing happened.the last manager I  spoke to named XXXX id is XXXX As to date this matter is not resolved, capital one is messing up the disputes,
Product: Debt collection

This company reported this debt to my credit that i supposedly owed without even notifying me. I moved out of my apartment XX/XX/XXXX. And this was reported XX/XX/XXXX for unpaid rent? I wasnt even notified, nor attempted to be contacted until XX/XX/XXXX. Thats when i reached out to consumer collection about this. The girl on the phone was nasty, and ended up hanging up on me. The amount of debt can not even be confirmed. I want this removed from my credit report as i was not attempted to be contacted before this was report, therefore i could not communicate with the company if it was my debt before it was reported. After reaching to the consumer collection through the XXXX they said they attempted to contacted me XX/XX/XXXX which they did and they didnt report until XX/XX/XXXX but in the attached photos you can see it was reported on XX/XX/XXXX BEFORE i was attempted to be contacted or notified. According to the CFPB : A debt collector must use at least XXXX of the following ways to contact you about your debt before it sends information about the debt to a credit reporting company : Speak with you in person Speak with you by telephone Mail you a letter and wait a reasonable amount of time ( generally 14 days ) for a notice that the letter wasnt delivered Send you an electronic communication and wait a reasonable amount of time ( generally 14 days ) for a notice that the message wasnt delivered Also, if you have received a validation notice about a debt from a debt collector, it means they have satisfied their requirement to contact you and, in general, can begin to report the debt to credit reporting companies. 

Therefore i want this removed from my credit as i couldnt verify this debt as mine before it was reported to my credit.
Product: Debt collection

Over the past year, I've written to both Exeter Finance and XXXX collections, asking them to prove that they complied with Georgia state law. Neither has responded with any documentation. All XXXX could send was a statement. Not any of the 21 items I should've been provided according to state law. Therefore. Continuing to report the account by both companies is wrong! Continuing to attempt to collect the debt seems to be an FDCPA violation on XXXX XXXX part.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair act XXXX XXXX XXXX  Account Number 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 card or prepaid card

Hello my name is XXXX XXXX and my complaint is against Best Buy/Citi Bank in regards to a Best Buy Visa Credit Card that I had applied for in the beginning of XX/XX/2018. I had made my first few purchases. And then I went to make a purchase a few weeks after that and my card wouldn't work. So I decided to give them a call and inform them that my card has been locked. They told me that my phone number didn't match up to the phone number they had for me on file. They said to wait for a reference number to arrive in the mail in 7 to 10 business days. The letter didn't show up for about 30 days. After I had read the paper and I wrote down the reference number I called Best Buy to give them that number and they said we're sorry to inform you that our verification process changes from time to time and that my account can't be verified. Then I happen to to notice charges on my Best Buy account that weren't made by me and so I called to dispute those unauthorized transactions.The representative I I had talked to decided too dispute all of the purchases instead of the ones I had told him to dispute which in turn prolonged the process. He then decided to cancel that card and issue me a new one. They said to wait another 7 to 10 days for another reference number. When that reference number arrived they said the same thing and it just repeated itself for two months or so. I have most of my current documents that I received from Best Buy along with personal notes that I had wrote along the process that I am going to upload to you guys. If you look really carefully at the account statements they sent me you can clearly tell that it's not accurate something is obviously wrong. This experience made of great impact on my life in a negative manner causing me a lot of XXXX & XXXX which is unacceptable to me and it's not fair. I would like to add that during this time they said that this has never happened to anybody before that they know of and it ended up happening to my girlfriend also but she didn't have any unauthorized transactions. I could go on and on about how this made me feel and provide great detail but that would take forever along with how confusing and complex this has been. I'm gon na provide all of the documents in relation to this complaint to the best of my ability along with a few personal notes I had written during this mess. Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are all unauthorized and an result of identity theft inwhich is already documented within your company. This misuse of my credit file has affected me gravely. I'm asking for you to please remove the following unauthorized accounts. 

1. XXXX XXXX XXXX {$1600.00} 2. XXXX XXXX XXXX {$800.00} 3. XXXX XXXX  {$590.00} 4. XXXX XXXX  XXXX  {$810.00} 5. XXXX / XXXX 6. XXXX XXXX XXXX 7. XXXX  XXXX XXXX XXXX  8. XXXX XXXX XXXX {$160.00} 9. XXXX XXXX XXXX {$790.00}
Product: Credit card

I was charged an annual fee for the Barclay 's Card and I didn't use the credit card. I closed the card and they would not refund the annual fee.
Product: Debt collection

I owed a debt to XXXX XXXX XXXX, my original creditor. This Debt was sold to the XXXX XXXX XXXX. On XX/XX/2021 I sent a letter to XXXX XXXX XXXX offering a settlement of my account for XXXX the amount owing ( {$380.00} ). I included payment with the letter. The letter specifically indicated that if the payment is accepted by XXXX XXXX the debt is considered settled. XXXX XXXX accepted the payment. On XX/XX/2021, XXXX XXXX tendered the money order. However, The XXXX XXXX XXXX continues to show a debt owing for the full amount of {$770.00}. According to the FCRA, I cant owe two companies for the same debt. The three credit reporting agencies refuse to remove information about the debt owing although they are not accurately reporting the information. I have reached out to the credit reporting bureaus regarding inaccurate information being reported on my credit reports and they continue to report the information.
Product: Credit card

My credit card was lost, I noticed some unauthorized charges appeared on my statement. I notified the credit company regarding the unauthorized charges but they denied the claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Email : XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) in GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Accounts to be deleted listed below : XXXX Account Open Date : XX/XX/2021 XXXX XXXX  Account Open Date : XX/XX/2021 XXXX XXXX Account Open Date : XX/XX/2021 XXXX
Product: Credit card or prepaid card

On XXXX, 2020 my bill did not go through AMERICAN CREDIT ACCEPTANCE - account with 1 missed payment. I am kindly requesting AMERICAN CREDIT ACCEPTANCE to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Product: Credit reporting or other personal consumer reports

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, and XXXX XXXXXXXX. Please delete these accounts ASAP.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The unauthorized list of accounts reported below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX, Original Creditor : XXXX- {$550.00} XXXX XXXX- {$1200.00} XXXX XXXX and XXXX, XXXX XXXX : XXXX XXXX XXXX XXXX XXXX  XXXX {$7200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$590.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX {$130.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have been trying to get this matter resolved with PNC since XX/XX/XXXX. {$8200.00} of my funds from my accounts was stolen and the Branch manager refused to help. Some of the employees changed transactions to cover up the theft because my statements are now inconsistent and I sent a package with evidence of the fraudulent transactions created, however no one got back to me. A XXXX XXXX signed for the package on XX/XX/XXXX. The resolution was closing my accounts and refusing to speak to me. I want someone who will actually investigate PNC 's ethical practices. Because I feel they are committing fraud and theft of funds. I want my money ... and justice!
Product: Checking or savings account

CITIBANK NIGHTMARE I'm in Hawaii and Citibank doesn't have a branch here. So I call their customer service department and was instructed to open online or with phone rep. After Opening account I was instructed to download and take a photo of check and submit. Check amount {$1000.00} After doing so.. 
I was told I'll be notified by phone or call back. After following up checking app I see deposit and first {$200.00} ..and dates of remainder amounts. After 3 days passed..my account was locked..called and was instructed I need to verify address and identity. After doing this ... my account was fine after 24-48 hrs.  Called back for update..it was blocked again by unknown Dept ( this is what fraud told me ). Tried to rectify problem.. I was told to hold  on why rep in fraud Dept try to see other party blocking my account. Then rep said she spoke with supervisor and block were removed..so I stopped by store and was told after trying to purchase that my card was declined. I kept getting the runaround. After last time speaking with fraud they claimed they removed the block from my account..but another block was on my account and they didn't know who put it there. I told them they had my address spelt wrong. And know one not once called me about these issues. So fraud claimed they couldn't correct my address and I have to speak with customer..they transferred me rather than bring them on the line. I ended up on hold again over 20 minutes So can some help?
Product: Money transfer, virtual currency, or money service

I tried to purchase XXXX BTC from coinbase I received an email stating my order was cancelled. so I withdrew money out of my bank account. coinbase still deducted the money for the purchase out of my bank account via my debit card. Which overdrew my account. I never received any Bitcoin and coinbase does not respond to my emails. My coinbase account is under the email address XXXX  At the time of purchase the amount of Bitcoin was worth {$450.00} plus they charge me a fee for loading the account when I only use them because they said by Bitcoin for free with a debit card
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE BE ADVISED THAT I AM SUBMITTING A TOTAL OF ( 5 ) COMPLAINTS THAT ARE TOTALLY DIFFERENT, SO PLEASE READ THEM IN THEIR ENTIRETY. HOWEVER, IT'S IN ALL CAPS BECAUSE I WANT IT TO STAND OUT. THANKS! 
Experian has repeatedly failed to DELETE an inaccurate Public Record account that's on my credit report that's required by law according to FCRA 611 ( 15 U.S.C. 1681I ) ( i ) ; as well as, fail to provide me documentation in my file and that was used to determined the alleged accuracy of this account according to FCRA 611 ( 15 U.S.C. 1681I ) ( 6 ) ( i ) ( ii ) ( iii ) and FCRA 609 ( 15 U.S.C. 1681g ) ( a ) ( 1 ). Also the National Consumer Assistance Plan ( NCAP ) passed on XX/XX/2017 after coming to a settlement with all ( 3 ) credit bureaus that the ONLY way bankruptcies are VERIFIABLE/ IDENTIFIABLE is they MUST have a name, address, a Social Security number or a D.O.B before appearing on my credit report, which is not showing on this incorrect bankruptcy. Therefore, this account MUST be deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX XXXX XXXX Account XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States I have the rights 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