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

I filed a Dispute with Chime XXXX  XXXX XXXX  and XXXX XXXX  on an unauthorized transaction to a XXXX XXXX XXXX XXXX in XXXX Overseas for the amount of {$1100.00}. My information was stolen from my phone and they hacked into my accounts and changed my information on my Chime Credit Builder account and made unauthorized purchase overseas on XX/XX/2021 Chime member services changed my name to someone else on my account unauthorized. My email and phone number on XX/XX/2021 from this person who hacked my account. I disputed the Transaction and sent them information evidence they sent me threw my new email on my account because had to change old one that was used hacked into.they closed out my cards and sent me new ones on XX/XX/2021. Now I am still fighting for my dispute from money that was stolen out of my account. The Dispute ID # XXXX with Chime The XXXX XXXX  and XXXX XXXX. They keep denying my claim with out sending me information why it was denied. I had a hold and suspicious activity on this account all noted in there systems and emails. I contacted them everyday filed police report, Cyber Crimes report and sent them eviendece 3 times or more and still they denied my dispute. They will not tell me why and hang up on me. This was an international transaction threw XXXX and My international transaction is blocked in my account so I don't see how this happened in my account I think it was an inside job A chime worker who did this. They said on their website that my money was FDIC insured and my data and information was safe but it wasn't safe. I do not trust Chime XXXX XXXX XXXX  XXXX XXXX
Product: Debt collection

I am filing this complaint regarding inaccurate items on my credit report that continue to negatively impact my credit. Over the course of the past month I have been harassed and berated by Jefferson Capitol Systems for accounts XXXX in the amount of {$980.00}, and XXXX in the amount of {$340.00}. as well as XXXX XXXX XXXX for account XXXX in the amount of {$920.00}. Jefferson Capitol Systems would not verify where the debt originally came from, would not show proof of debt, and went as far to say that if I did not pay them the sheriffs office would come to my door with a warrant for my arrest. With XXXX they would not provide proof of the debt nor verify the debt to be accurate. After disputing the credit reporting with XXXX they have done nothing. I request immediate investigation and removal of these items as they are incorrect and do not reflect my true credit history.
Product: Money transfer, virtual currency, or money service

I was exchanging with a company called XXXX XXXX That was recommended by the prrson that I was having a relationship online ( XXXX ) and after we started talking on XXXX and XXXX and when I found out the everything was a scam i had started to contacted all the financial institution involved with the transaccion to see if they can do any about it but all of them appointed to go to crypto.com and asked them to refund it me all the money but they refused to cooperated
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Civil Liability for Negligence and Noncompliance under FCRA Section 1681 ( o ) Dear [ Recipient 's Name ], I am writing to formally dispute the matter of civil liability for negligence and noncompliance under section 1681 ( o ) of the Fair Credit Reporting Act ( FCRA ) that has been attributed to me. I believe that I have been wrongfully impacted by the actions outlined in the FCRA, and I am requesting immediate action to rectify this matter.

Under section 1681 ( o ) of the FCRA, any party that fails to comply with the requirements set forth in the Act and causes damage due to negligence or willful noncompliance may be held liable for civil damages. I have reviewed my case and believe that your actions have violated the provisions of the FCRA. Specifically, the following issues need to be addressed : 1. Negligence in Compliance with FCRA Standards : failure to correct inaccurate information, failure to investigate disputes within the legally required time.

2. Impact of Noncompliance : Incorrect credit information may have harmed your credit score, caused financial harm, & led to wrongful denial of credit.

As per section 1681 ( o ), I am requesting that you immediately : 1. Correct the inaccurate information or take action to ensure compliance with the FCRA.

2. Provide me with an explanation and evidence of the steps you are taking to comply with the law.

3. Compensate me for any damages or harm that has resulted from your failure to adhere to FCRA requirements, as prescribed in section 1681 ( o ).

Please confirm receipt of this letter and provide an update on the steps you will be taking to resolve this matter. I expect a response within the legally required 30-day period, as stipulated by the FCRA.

Thank you for your prompt attention to this serious matter. Should you need further information or documentation to assist in your investigation or resolution, feel free to contact me directly. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This company has been reporting inaccurate names, phone numbers and addresses on my credit report.
Product: Credit card

On XX/XX/XXXX I made a purchase of {$XXXX} order number XXXX. On XX/XX/XXXX I returned the full order. The estimated return amount was {$XXXX} due to {$XXXX} being subtracted from the price for the XXXX return label. 
On XX/XX/XXXX I dropped off the package at an authorized XXXX  dealer, XXXX with the tracking number XXXX. I reached out to XXXX XXXX XXXX on XX/XX/XXXX and they said it could take up to XXXX  days ( even though this has not been my experience ). I checked XXXX and I am still not seeing any tracking information. I contacted XXXX off XXXX on XX/XX/XXXX with XXXX # XXXX and they said they would be unable to refund the money. They did not say why. In XXXX I contacted Bread Financial to dispute this charge due to me not having the merchandise. They advise me they would investigate and they could not stop any finance charges that were currently accruing. Then a week later I received a letter in the mail denying my dispute. How? Why?! I dont have the merchandise it was too big for my son! But XXXX still on the hook for {$XXXX}. I attempted to reach out to XXXX  to make a claim without success. Please help!!!! XXXX out almost {$XXXX} and no merchandise
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow-up 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 alleged fraud or extortion. 
XXXX, XXXX, XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 ; XXXX XXXX  XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated me generally 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 section 602 A. States I have the right to privacy. 

15 USC 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information and other adverse item of information, other than records of convictions of crime which antidates the report by more than 7 years. 

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint Against XXXX XXXX XXXX XXXX XXXX XXXX. for Violations of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am submitting this formal complaint against XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX regarding violations of consumer protection laws related to my vehicle purchase and financing agreement for a XXXX XXXX XXXX ( XXXX : XXXX ), dated XX/XX/XXXX. I am requesting that the CFPB investigate these violations and take appropriate action to hold XXXX XXXX XXXX XXXX XXXX XXXXXXXX accountable. 

Summary of Violations Failure to Provide Proper Notice of Right to Rescind XXXX XXXX XXXX XXXX did not provide the mandatory three-day right to rescind as required under 15 U.S.C. 1635 ( Truth in Lending Act - TILA ). The agreement only specifies the sellers right to cancel, omitting a clear rescission period for the consumer. This omission obstructs my rights under TILA.

Misleading Payment Terms and Waiver of Notice The financing agreement includes terms allowing discretionary payment application by the dealership and waives the consumers right to notice on payment acceleration, violating 15 U.S.C. 1662. These terms are misleading and expose the consumer to unanticipated financial risks.

Invasive Use of GPS and Starter Interrupt Devices The vehicle was equipped with GPS tracking and starter interrupt devices without adequate disclosure, a violation of privacy under 15 U.S.C. 1662. I was also compelled to waive privacy rights without just cause, giving the dealership excessive control over personal data and vehicle use.

Unfair Arbitration Clause Restriction of Legal Remedies The agreements arbitration clause severely restricts my legal recourse options, including class actions. This provision, neither adequately explained nor transparent, limits my ability to enforce rights under consumer law, further disadvantaging me. 
Requested Action I urge the CFPB to investigate these allegations and take corrective measures to ensure that XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX adheres to all federal consumer protection statutes, including fair and transparent lending practices. Additionally, I request assistance in rescinding the contract and recovering all funds paid under these non-compliant terms. 

Enclosures I have enclosed copies of the original contract, the formal Notice of Rescission sent to XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, and relevant correspondence. 

Thank you for your attention to this serious matter. Please feel free to reach me at XXXX or [ Your Phone Number ] should you require additional information. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

in XX/XX/2019 my bill for {$430.00} did not go through when it was on auto-bill. i reached out to the company and they said they saw the draft try to come out of the bank but it was rejected. they never notified me of this rejection and gave me this late payment. i now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Product: Credit reporting or other personal consumer reports

This complaint addresses ongoing violations of the Identity Theft and Assumption Deterrence Act, the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), the Gramm-Leach-Bliley Act ( GLBA ), and relevant Texas statutes. Companies are failing to safeguard personal data, resulting in unauthorized use of identifying information. These breaches directly violate federal and state laws designed to protect consumers from identity theft. The companies ' inadequate security measures, failure to place fraud alerts, and improper information sharing practices demand immediate investigation and enforcement of penalties as outlined in these laws. XXXX XXXX XXXX XXXX XXXX XXXX, NO XXXXXXXX XXXX XXXXXXXX XXXX FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/1997 Filed ( XXXX XXXX ). FCRA Section XXXX ( c )
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX  PayPal gave  XXXX  {$100.00} out of my account. I protested as I had no idea who  XXXX   XXXX  was. By my own investigation I found this was  XXXX   XXXX .  XXXX   XXXX  emails me at lease once a day with pictures with women to date. When I try to open up the site I get advertisement from them to send money. In no way did I think that I was paying for their advertising. With farther investigation I found that PayPal on XX/XX/XXXX  sent  them {$39.00}. This slipped by me as I thought it was books that I had ordered as there was no way that I thought  XXXX  was   XXXX   XXXX  .
Product: Mortgage

I applied for a loan modification with select portfolio who is my mortgage company.. we were approved for a modification however the amount that we are being charged is outrageous, we currently owe XXXX dollars and the terms of the modification increases the note to XXXX dollars. we contacted the company and were basically told " take it or leave it '' We were led to believe that we applied for a modification to improve our circumstances not worsen them. We were given a timeline of XX/XX/XXXX to either accept or decline the offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts do not belong to me. Please remove the negative items as soon as possible, because they are hurting my credit. 

XXXX 1. Identity Theft TD BANK N.A. 
Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. XXXX Account Number : XXXX 10. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

XXXX  1. Identity Theft XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft TD BANK N.A. 
Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

XXXX  1. Identity Theft XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft TD BANK N.A. 
Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX  Account Number : XXXX This is not mine. 

9. Identity Theft XXXX  Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

12. Identity Theft XXXX  Account Number : XXXX This is not mine. 

13. Identity Theft XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

Three years ago, I joined the group to try to get XXXX  loan XXXX. I was told not to make any payments as the loan would be forgiven since I had attended the XXXX XXXX. This year my loans were bought by XXXX to continue the process of loan XXXX. Navient suddenly started reported my account as delinquent, even though I had been told not to pay AND they no longer had the loan. Navient says there is nothing they can do, and XXXX says the loans will be forgiven, it just takes time. The inaccurate reporting on my credit is causing problems and I just want it resolved and removed in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just got another hard inquiry that I didn't recognize. Same company XXXX on XX/XX/XXXX. This is identity theft and someone is using my information again.
Product: Credit reporting or other personal consumer reports

i notified the consumer reporting agency with multiple letters they have not fixed or removed these items from my report. I am writing to have you remove them immediately. XXXX  and XXXX  company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES :. 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 instructions of the consumer to whom it relates. Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include. Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Delete these late payments from my consumer report, this agency is in violation of 15 USC 1681. 
XXXX XXXX XXXX, XXXX XXXX, CAPITAL ONE, XXXX
Product: Checking or savings account

A USAA representative encouraged me to add overdraft protection to my account that would be linked to a USAA credit card. I was not properly notified at that time that overdraft protection charges would be classified as cash advances. As a result, I was unaware of {$4.00} of new interest charges on my credit card account, despite a payment in full the previous month. Over 5 months, without any new charges on the account, additional interest was accrued on the {$4.00} until the total amount due exceeded a {$5.00} dollar threshold and USAA notified the credit bureaus that I was 30 days late. The damage done to my credit seems punitive and could have been avoided if USAA notified me properly, if I was not encouraged to sign up for this feature, or if I was not encouraged to opt in to paperless billing.
Product: Credit reporting, credit repair services, or other personal consumer reports

After DECADES of pristine credit history -- no late payments, paid off multiple student loans, mortgage, cars, etc with ZERO late payments, the following happened to me : My credit score suddenly dropped XXXX XXXX  for no apparent reason. No dark web, no credit fraud, no wild spending. All three major credit reporting agencies told me that the problem is that... essentially I don't have any debt. I paid off my mortgage in XXXX, literally have no outstanding debt. ( Because I, well, don't believe in carrying debt unnecessarily. Go figure. ) Right now I have one open credit card with a {$10000.00} limit and a credit history of XXXX XXXX NO late payments. Ever. My personal assets are significant. I dropped from XXXX to XXXX In response to XXXX 's suggestion, I tried to open three different credit cards on their website after being directed on their website to credit cards that were " matched '' to my situation. All three turned me down. Guess what? Three hard credit checks, dropped my score further. 

I have had a meeting with a vice president of consumer services at my credit union. All of the professionals I have consulted ( who have access to my credit history and my financial date ) are baffled. The only recourse ( I have been told ) is to open more credit. And I can't. Because more attempts to open credit are not guaranteed success, and this will further harm my history. This feels -- -like FRAUD. Under what circumstances is this a reasonable action to be taken against a consumer who is a near-ideal credit risk??
Product: Debt collection

I received a call stating that I owed money to Fair Collection and Outsourici. They are stating they represent XXXX of XXXX. Which is where I used to live. They attempted to evict me went to court and they were to dismiss all fee because of the unhealthy environment I was living in. XXXX and Judge had court with me being present because I was told incorrect time for court and arrived 15 minutes late. XXXX has sent balance to collect agency and it should be null and void.
Product: Mortgage

I have received at least XXXX " home loan refinance opportunities '' from Bank of America, who holds my current mortgage. The latest letter is attached, both front and back pages. I believe the manner the refinancing option is presented in these letters is misleading, deceptive, and potentially illegal. 
The letter boldly emphasizes several times that I will save {$3000.00} per year. But this savings is not primarily due to a lower interest rate, it 's primarily due to the conversion of my current 20-year loan to a new 30-year loan. Yes, I would save the {$3000.00} per year for 20 years, and then I would owe an additional {$14000.00} per year for 10 years ( this risk is vaguely mentioned in a very-small-font footnote on the bottom of the back page ). I would basically pay about {$80000.00} more, while Bank of America pockets {$2800.00} in fees and costs. 
Bank of America has complete and full access to all details of my current mortgage and to all details of their proposed refinancing plan. They have the information to accurately and honestly present their refinancing opportunity. Instead they are willfully and intentionally choosing to present the offer in a dishonest and deceptive manner.
Product: Credit reporting or other personal consumer reports

I have disputed this account with the CFPB and the company has not honored any of my efforts. 
As I take a closer look Ive recognized that the information they've reported to the XXXX major CRAs do not add up. So not only have my rights been violated as stated in my previous CFPB report, but the info in the consumer reports are also inaccurate. Pictures will be attached, inaccuracies color coded.