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

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX XXXX, XXXX and Experian are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX XXXX financial institution and the Consumer reporting agencies XXXX XXXX XXXX XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX XXXX, XXXX, Experian or XXXX XXXX XXXX XXXX it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission, which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX XXXX, XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Debt collection

I have serious concerns regarding this account, as it does not appear to comply with federal consumer protection laws outlined in the Fair Debt Collection Practices Act ( FDCPA ) and 15 USC 1692c ( c ) and 1692g. 
Basis of Dispute XXXX. Violation of 15 USC 1692c ( c ) ( Cease Communication Request ) : Under 15 USC 1692c ( c ), a debt collector must cease further communication with a consumer upon receiving a written request to do so, except to confirm compliance or to notify of specific legal actions. If XXXX XXXX XXXX received such a request from me or failed to provide proof that communication continued lawfully, they may be in violation of this provision. 
XXXX. Violation of 15 USC 1692g ( Validation of Debts ) : Under 15 USC 1692g, a debt collector is required to provide a consumer with written validation of the debt, including the amount owed, the name of the original creditor, and the consumers rights to dispute the debt. If XXXX XXXX XXXX failed to provide adequate validation within the required timeframe or did not verify the debt before reporting it to the credit bureaus, this would also constitute a violation. 
XXXX Requested I am formally requesting that TransUnion : XXXX. Investigate the validity of this account based on the lack of compliance with the FDCPA and the provisions of 15 USC 1692c ( c ) and 1692g. 
XXXX. Verify that XXXX XXXX XXXX provided proper debt validation, as required by law, before reporting this collection to my credit file. 
XXXX. Remove the account from my credit report immediately if XXXX XXXX XXXX is unable to provide the necessary documentation to validate the debt and compliance with the law.
Product: Checking or savings account

Someone open a chime account in my name in area where I don't live in.
Product: Debt collection

It was around the first part of 2019. XXXX XXXX XXXX XXXX offered my wife and I phone service with their company. They gave us the phones we wanted. immediately, like two days after signing with XXXX XXXX XXXX we were having bad service. dropped calls, fading signals, and calls not going through. We started to call in and complain to see if they can fix the issues. All they kept telling us is, ( their working on the cell towers and putting more towers in our area to boost up signals. Just hang in there ). We had a 14 day cancelation if we didn't like the phones. Almost every other day we complained about it. They did nothing. It got to the point that we were tired of waiting. so we went back to our previous carrier. XXXX XXXX XXXX reach out saying that we owe them around {$2300.00}. We told them what was going on. We offered to give them their phones back. They told us that the phones are considered used that that we past the 14 day trial. Also that we had to pay for the phones. I've tried to reach out to XXXX XXXX XXXX several times to resolve this issue, but all they do now is to put you on hold for a long time or simply hang up because your not starting new service. After some time went by, we were contacted by XXXX XXXX XXXX XXXX, a collection company to pay pay the full amount. I explain the whole situation and they told to write a statement describing what happened. I submitted a Statement and did not hear anything back from them. I thought that everything was settled. Now eight months later were receiving letters from Receivables Performance Management LLC telling use to pay this {$2300.00}. When is this going to stop. I know that theirs companies that just go out to find anything on you to pay. Nothing gets done about it. The way I see it is that XXXX XXXX XXXX failed to provide us service that that we paid for. Their in breach of contract. No monies should be owed. Can you please help us.
Product: Credit card or prepaid card

Hello, I located your email address off theftc.govsite, Ive filed a report of a scammer named XXXX ( Report XXXX ) who continually calls me impersonating a Chase Bank Fraud Department employee claiming there are suspicious charges on my account. 


This person has been calling multiple times since XX/XX/2020 and is calling from a Florida number. XXXX He will try to ask me for specific account and person information to verify it. 

However I contacted Chase directly and they stated ( even on their site ) they don't call customers in this manner. 

In addition, he called on my home number which isn't associated with my account and unfortunately did have my Date of Birth. 


I just wanted to email you to inform you of the situation and appreciate any assistance you could provide to help stop this and if theres any recourse for me. 

XXXX Thank you XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Maam, I am taking this time to write you about updating my personal information with your company.
Product: Checking or savings account

I get my direct deposit every Friday from capital one. Now I did not get paid today XX/XX/year> and after reading on the internet Capital one has not paid anybody direct deposits since Wednesday XX/XX/year>. I get paid every Friday, however some people get paid Wednesdays and still havent received their money! Millions of people are getting their money withheld. This is theft and unethical. I didnt get so much as a notification about this issue and all my banking app says is we have technical difficulties right now and had to find this out by hearing it on social media which is absolutely unethical and unacceptable. I then called the capital one customer service line to which I was on hold for 2 hours and when someone answered before I could speak they said we are working on the direct deposit issue and no we dont know when this will be resolved and hung up on me before I could speak. I am due my direct deposit from my job that I get paid every Friday for today XX/XX/year> that is of the total of {$540.00} and capital one is withholding my money without probable cause. This has caused a serious hardship on me as I can not pay bills with my own money and capital one has basically stolen from me
Product: Debt collection

On XX/XX/XXXX I received an email from XXXX XXXX that there was a change to my credit report. It stated between XX/XX/XXXX and XX/XX/XXXX, a new account in collection was added to my report. The collection agency is SYNERPRISE CONSULTING SERVICE INC.  The original creditor was XXXX XXXX. I received a letter from XXXX indicating that I owe them {$340.00} for some labs that they had taken from me. I contacted XXXX and told them the amount of debt and the description of the test that they had included was a lie. The agent whom I talked to on XX/XX/XXXX told me to fax the orders I had received from the clinic I had visited on XX/XX/XXXX. I did that and she said the issued had been taken care and I will be no longer receiving any such allegations from XXXX or any other Agency. On XX/XX/XXXX I received a letter from Synerprise Consulting Services Inc stating the account has been referred to them for collection activity.
I have contacted Synerp
rise through telephone but no one answers my calls. I wrote a letter requesting Account Validation no one has mailed me any reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

Old late payments keep popping up which wasnt late auto loan. 
XXXX is reporting negative and its not my account.
Product: Mortgage

Ladera Lending of XXXX XXXX, CA ran my credit without my permission. I spoke with them but told them I wanted to get rates first as I was comparison shopping. I never gave them my Social Security number, but somehow they ran my credit as a got notice of a " hard '' inquiry. I called the number on the inquiry and they confirmed that XXXX XXXX of Ladera Lending ran my credit. 
When I contacted Mr. XXXX, he said that XXXX XXXX provided my SS # and thought it was OK. I did sign up with XXXX XXXX to get rate quotes, but NEVER gave out my Social Security number or gave anyone the right to run my credit. 
I am very upset and want to find out how this happened and have them undo the credit inquiry. 
Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Following is a list of Creditors that obtained my Personal Credit information and conducted an inquiry to the major credit bureaus. The date are all listed and how many times the requested my information in turn producing an inquiry, In XXXX I sent a request to all creditors asking for verification due to multiple fraud alerts on all three major credit bureaus. As of XX/XX/XXXX approximately 120 days I have yet to receive verification of the multiple a credit inquires. All Three Credit Agencies XXXX, XXXX  and XXXX  have reported these creditors as causing an inquiry. Since I have not yet obtained verification I would like the creditors to remove their Inquires in a sufficient amount of time or provide, My signature and proper identification that it was me that requested the information. The following is just from XXXX report XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, - 7 Inquires to XXXX   XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - 7 inquires to XXXX   XXXX - XX/XX/XXXX -1 to XXXX  XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, - 11 inquires to XXXX  XXXX - XX/XX/XXXX -1 Inquiry to XXXX  XXXX  XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, 3 Inquires to XXXX Credit Plus - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, - 3 inquires to XXXX  XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX/XXXX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, 7 inquires to XXXX  XXXX XXXX  - XX/XX/XXXX -1 inquiry to XXXX  XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, - 2 inquires to XXXX  XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - 3 inquires to XXXX  XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, - 2 inquires to XXXX  XXXX XXXX XXXX - XX/XX/XXXX - 1 inquiry to XXXX  XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX - 2 inquires to XXXX  XXXX XXXX - XX/XX/XXXX 1 inquiry to XXXX  XXXX XXXX - XX/XX/XXXX1 inquiry to XXXX XXXX XXXX XXXX - XX/XX/XXXX - 1 inquiry to XXXX  XXXX XXXX - XX/XX/XXXX - 1 inquiry to XXXX  XXXX XXXX  - XX/XX/XXXX - 1 inquiry to XXXX
Product: Debt collection

original date of debt is XXXX. I first contacted XXXX XXXX XXXX XXXX  to let them know i was involved in an accident and would not be able to use the membership per my doctor. I sent them the doctors note. Months later this was on my credit sold to AARGON COLLECTION AGENCY. I then contacted them and also sent the same letter. They did not remove this account. I then disputed this several times and have yet to receive a statement of this account with my wet signature from the original creditor, XXXX XXXX XXXX XXXX. Original balance stated on my credit report is {$880.00}. It is now showing past due {$1100.00} as of XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

To my shock, I found inaccurate accounts on my credit report this morning, and I have no idea how they got there. I checked my credit report as usual, but this time, unexpected discrepancies appeared. I tried refreshing the page, thinking it might just be a browser issue, but the inaccuracies remained. These incorrect accounts didn't disappear even after refreshing. Given this disturbing issue, I'm asking for a thorough review of the documents I've provided so I can stop worrying about this.
Product: Checking or savings account

I reported my card lost or stolen through the Bank of America App on XX/XX/XXXX or XX/XX/XXXX card number ending XXXX I was not aware of a digital card being put in place after you call your card in stolen but for some odd reason, there was 2 charges on my account from XXXX through my XXXX account I have been dealing with sense XXXX, when I called XXXX they advised me to contact XXXX a vendor within their system I was charged twice one charge {$140.00} and {$590.00} a total of {$740.00} from this company through a digital card I did not have any aware I had and did not authorize I was told by XXXX XXXX XXXX I have tried to dispute these charges with XXXX XXXX XXXX I was told that this company charged my digital card ending in XXXX or XXXX not sure of the number of the card without my consent to be told by XXXX XXXX XXXX that this could take several days my question is how could this happen if I have no physical card and who gave them authority to place a digital card and does this card have to be activated to be use now my company is waiting in limbo for them to find out what happen and I am being told 90 days for what this is XXXX XXXX XXXX fault not mine I contact the company through chat and was told it was the weekend that they would give me credit for future purchases to a charge I did not authorize still unsure how this happen I have tried to upload the dispute information the bank and have not been successful
Product: Checking or savings account

I opened a CASHBACK DEBIT debit/checking account with Discover on Thu, XX/XX/XXXX. Since then my account was locked 2 times within 24 hours for no apparent reason. I called their support team to try to resolve. The first person I was able to talk to confirmed that my account was locked but could not give me the reason why and said they would have to forward me to another group. I waited over two hours on hold before the call was disconnected. I finally got a hold of someone and they where able to unlock my account. I then went to my account and put in the details to connect my XXXX XXXX  Checking/Debit account so I could transfer money out of my discover account. ( I had deposited a check when I opened the account ). As soon as I did this my account got locked once again. I spent the next two days trying to resolve this issue and wasted 10 hours in total waiting on hold. I would get to 2 to 3 hours on hold before the call dropped. On Monday, XX/XX/XXXX, I was finally able to get a hold of someone and they where able to unlock my account and did not need to forward me to another group. I asked them to stay on the line while i tried to add my XXXX XXXX account. As soon as I did that the account locked again. They unlocked it again and again it locked after I put in my XXXX XXXX details. They then figured out that Discover does not accept XXXX XXXX as an account to transfer money to. Instead of having a message pop up telling me that, the system is designed to lock me out and require me to waste days of time on hold. This is a serious design flaw and on top of that the wait times to get it fixed are unacceptably long. Once I got my account open and my check deposited successfully, I initiated a transfer to my XXXX XXXX XXXXXXXX checking account. Today XX/XX/XXXX I got a message that my account has been locked due to suspected fraudulent activity. Back on the calls I was able to beg someone to let me talk to their supervisor instead of putting me back in the 3+ hour long queue. The manager was able to get me on a special list where the correct team would call me directly within 2 to 3 business days. This is a totally unacceptable length of time to get your account unlocked. My check is now frozen in transit and will not hit my XXXX XXXX XXXX account until this is resolved. I'm at my wits end and don't know how many more hours I will have to waste trying to get my money out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up for credit repair which turned out to be a scam. Naturally, the individual who was supposed to be helping me to repair my credit had access to very sensitive information, including my social security number. The person alleged they were signing me up for a secured rewards card, when in fact, they applied for the XXXX Card ( which only offers a small cash back rewards incentive ). Apparently, a dupe was made. I discovered this was not the aforementioned card when it appeared on my credit report as and inquiry and with a balance I was not aware of. I have not been able to reach this person in over a month regarding this matter and others and I have been unable to file a police report. I have disputed this with Experian but they were unwilling to remove the information from my credit report, while the other reporting agencies did. I have also contacted XXXX. This is my last recourse. Additionally, I have frozen my three credit reports so that no further accounts can be opened in my name until this is resolved.
Product: Vehicle loan or lease

There was an end of lease inspection in which the inspector charged for items that were in violation of the lease agreement. Examples include a warranty repair and a rim scratch that was two inches long ( contract says charge for more than six inches ). I have written and called Nissan multiple times without a response. Today they sent me to a collection agency and still haven't responded to the original issue. 
I have been on hold with them at a new number for one hour and twenty-two minutes. At the old number, they give you the option of returning the call but never do so. 
In short they are violating their contract, don't respond to written documentation and did not follow the law with respect to collection processes.
Product: Credit reporting or other personal consumer reports

This all started with a payment in XXXX. In XXXX I paid off the my XXXX XXXX XXXXXXXX. I did that with a cashier check. I then put that card on auto pay. 
In XXXX, the very first payment on autopay, XXXXXXXX XXXX decided to take the payment to take the payment via XXXX. The issue with that is ; a ) I didnt authorize them to take the payment using that method. 
b ) I dont have or have I ever had checks/checkbook to this account. Its a XXXXXXXX XXXX account and this particular account doesnt have a check. 
So, when XXXX attempted to take the money my bank as they should replied send back to sender. At the time XX/XX/XXXX there was more than enough money to have covered the {$14.00} payment. 
Nobody from XXXX attempted to call me. Rather they waited until the payment was 60 days past due to inform me and even the app made it look like XXXX XXXX XXXX payments was good until they XXXX day where that app suddenly had XXXX payment returned. 
I called XXXX back XX/XX/XXXX did to an email stating that my XX/XX/XXXX payment hadnt posted. 
I called the bank to make the payment and thats when finally they informed me of the late payment from XX/XX/XXXX. 
When I looked at my bank statement Didnt see a charge, I didnt see where money had been returned, And in fact, I had more than enough money to have covered that payment. 
I called XXXX and they informed me that the way in which XXXXXXXX XXXX attempted to charge you made it seem like you had written them a check so we returned it back to sender. 
So by the time I found out, it was already 30 days past due. They reported it to my credit and Ive tried to work with them. No one really listens. 
I was supposed to refinance my house last month and due to this delinquent payment I will not be able to refi, my home For another XXXX months or more. 
If XXXXXXXX XXXX wouldve done a regular ACH withdrawal as they had been doing for the last two years, We would not be in this mess. 
XXXXXXXX XXXX is refusing to take responsibility for what its done. They claimed that they were investigating honestly I dont think that they were. If someone would just take the time and take a look at it, this matter couldve been resolved. 
The false check number that XXXX submitted to my bank was check number # XXXX. Which is troublesome to me because I never wrote a check. So how and why would XXXXXXXX XXXX XXXX XXXX XXXX a check number that doesnt exist.
Product: Checking or savings account

I tried to transfer money from my XXXX XXXX savings to a Money Market account I have in another bank but XXXX XXXX stopped the transfer due to security reasons. I called XXXX XXXX customer service and they didnt help me ( I could barely listen the customer service agent ). I sent a secure message and an email asking to lift those restrictions but they didnt reply, they usually reply after XXXX days. I cant move my money the way I want. I cant transfer between my XXXXXXXX XXXX XXXX accounts because I can only make XXXX transactions per month.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. 

XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX XXXX  # XXXX