23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

We took out a home improvement loan for the installation of new windows. The installation of the windows were not done properly and damaged. I was contacted by the XXXX XXXX after the installation was done, asking if I was satisficed with the installation, which we weren't. I contacted them via their website customer service link and said so and, do not fund the loan. I was waiting for the window company to respond to my complaint. I than called them, because I did not receive a response from them and talked to a service rep who took down my information and said a complaint would be generated and I would hear back within a week. I didn't. I called yesterday XX/XX/21, to follow up on the case and was told the loan had been funded. I ask why they would fund the loan when I was not satisfied with the installation and damaged window. The response was basically, there was no one from the appropriate department to help me and to call back on Monday. 
I advised the rep that I will not be paying the loan until the damage window was replaced and why would you fund a loan when there was a dispute. Again, that was not her department and to call back Monday. 
To me, this is a direct attack on my credit and a violation of the terms and conditions of the loan.
Product: Prepaid card

I purchased several Hilton gift cards ( issued by American Express ) to use at a The Hilton XXXX XXXX, located in XXXX XXXX XXXXXXXX XXXX I asked several employees at the front desk at the Hilton property to apply the gift cards to my balance at the hotel, but they refused. According to the representatives, they will not accept Hilton gift cards, despite being a Hilton XXXX. They would not even attempt to swipe the cards, and were adamant that their system is not able to accept Hilton gift cards.

I followed up by calling the phone number on the back of the Hilton gift cards to explain the problem. The phone representatives were unhelpful, and simply asked me to try again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with Experian.com dated XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that this was negative account on my credit report. This is disappointing because I have been paying Experian.com to get a report every month and I have been disputing fraud account on my credit report all this, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these negative, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 
PLEASE DELETE THESE FRAUDULENT ITEMS : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XX/XX/2023 I realize my bank account has been deducted from a charge of an online merchant claiming to be affiliated to Chase PDF-Fling papers which I have no knowledge of? So I called this online source and they reversed all monies of {$76.00}. Chase claims I called them weeks prior of XX/XX/2023 stating I placed a claim with them about this merchant? Stating it was a temporarily credit of money we give you so we took it back from your account? Which is boldly completely incorrect. 

XX/XX/2023 an online course I took for {$550.00} payment of {$150.00} every two weeks I was to pay merchants. Course was not completed due to online issues with the learning tool. I was asked to prove my case by Chase of my incompleteness of course to get my money back which I did by faxing over a hard copy of the incomplete course document. 

I proved my case and won over merchant Chase took the money back from my account. XX/XX/2023 claimed the merchant won the case and reverted the merchant of {$150.00} out of my account? and the remaining balance as well? 

When I called them on these issues they refused to help or return my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

INACCURACIES ON MY CONSUMER REPORT. 
XXXX ACCT # XXXX Balance XXXX $ status open, last payment ( XX/XX/XXXX ) open date ( XX/XX/XXXX ), last reported ( XX/XX/XXXX ), ( XXXX ). 

XXXX XXXX XXXX XXXXXXXX ACCT # XXXX BALANCE XXXX $ STATUS OPEN LAST PAYMENT ( XX/XX/XXXX ) OPEN DATE ( XX/XX/XXXX ) LAST REPORTED ( XX/XX/XXXX ) ( EXPERIAN ). 

XXXX ACCT # XXXX BALANCE XXXX $ STATUS OPEN ( INACCURATE ) LAST PAYMENT ( XX/XX/XXXX ), OPEN DATE ( XX/XX/XXXX ), ( INACCURATE ) LAST PAYMENT ( XX/XX/XXXX ). ( XXXX ).
Product: Credit card or prepaid card

I paid my old macys credit card in the beginning of may they made all these excuses not pay my credit balance refund I finally called about it and they say I have to wait or keep transferring me to Citi bank who says they owe me the money and legally have to get me my check mailed within 7 days of my request they cancelled it when I payed off do I cant use they wrote me emails saying they are sending my refund in the mail and also sending me electronic gift card at my request they have to send me all mom money they have had its all this time when finally they said they mailed it they then say its linger I have to wait I dont they have had wrll over days to my payments to post or not they owe me {$14000.00} on one and {$5000.00} its so much money theyve had way too long I want all my money sent to me in the mail as they. Wrote to me on XX/XX/XXXX that it would be mailed and I would have within 17 days and I dont have my checks I want all my money today please have it mailed like they told me they were
Product: Credit reporting or other personal consumer reports

of my credit information. As an individual deeply impacted by my upbringing and surrounding environment, the safeguarding of my personal data is of utmost importance to me. My unique circumstances have instilled in me a strong awareness of privacy and the critical need for consent in sharing sensitive information.

Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically referenced under 15 U.S. Code 1681b - & quot ; Permissible purposes of consumer reports, & quot ; it is clear that consumer reporting agencies are obligated to operate within strict boundaries to protect individual privacy. This statute mandates that such agencies may only release consumer reports under certain conditions, chiefly requiring the explicit, written consent of the individual concerned.

It has come to my attention that my credit information has been furnished by your agency without my authorization, in direct contravention of section 15 U.S. Code 1681b ( a ) ( 2 ). This section unequivocally requires my written approval prior to the dissemination of my credit report. The absence of my consent in this matter not only violates federal law but also disregards my personal rights to privacy and control over my financial information. 
Given this unauthorized action, I demand the prompt removal of all inaccurately reported information from my consumer report. Should these issues remain unaddressed, I am prepared to seek reparation through legal channels, including but not limited to, initiating a claim for damages in small claims court.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX  XXXX Account name : XXXX. XXXX Account name : XXXX. XXXX Account name : XXXX XXXX  XXXX. XXXX Account name : XXXX XXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681S-2 ( 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block the listed items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. The items are listed below : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX Balance Owed : {$130.00} XXXX XXXX XXXXXXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXXXXXX Date Filed/Reported XX/XX/
Product: Vehicle loan or lease

This company went into bankruptcy without signing over my title. Sold my loan to a debt collector that illegally repossessed my vehicle and personal items, but refuse to provide me with a purchase agreement.
Product: Vehicle loan or lease

I never had a car or loan with this company. This is a fraudulent record.
Product: Checking or savings account

Hi my father passed away XX/XX/XXXX. I was not listed on his bank accounts, nor his mortgage with the XXXX XXXX. This company froze the account on me today. They have been accessing the checking account, giving me balance information and withdrawing money to pay his mortgage each month since XX/XX/XXXX, including today, 5 min later they froze the account due to the federal privacy regulation. They've accessed and transferred {$440.00} each month since XX/XX/XXXX.
Product: Mortgage

Hi, in XXXX of XXXX, I was looking to sell my house and purchase a new one. My loan officer said that I was behind on my mortgage payments on my second lien. I told her I did not have a second lien because I had refinanced my loans in years prior. I had not received a bill or even a phone call on the second lien since XXXX of XXXX ( around when I had refinanced ). I contacted Ocwen and they told me that I did still have a second lien and that they were sorry that I had not been contacted in 2 years and that they did not know why I had not been. The guy told me not to worry he was going to offer me a deal and that I could pay XXXX dollars and be cleared of my second lien. He said it was a new thing they could do after the housing crisis. I repeatedly asked him, " what 's the catch? '' He reassured me that there was no catch and that everything was going to be ok but I had to move fast before the offer expired. I sent the money and signed a notice that made no mention of this being a short sale. I thought a short sale was when the house was being sold. The letter did mention that I would have to claim it on my income tax and I did. Well, this was XXXX of XXXX. We sold the house in XXXX XXXX. I thought everything was fine and my husband and I decided to wait to buy a house. This summer we started the process of buying a house and that is when I found out that Ocwen was reporting this to the credit bureau which was showing it as a charge off ( short sale ). Now we can not buy a house until XXXX or XXXX. I had absolutely no idea that this is what the agreement meant. I feel like they were deceptive in their practices. In fact, they have been issued a judgement against them for similar issues. I asked the man several times if there was a catch and he kept saying no. The letter I signed did n't say anything about a short sale or that it would impact my credit like that. We made more than enough on the house to cover that second lien and I would never have agreed to these terms if they were explained in that way. I would have just paid it in full. I also do not understand how a mortgage company can stop sending bills in XXXX and never call or let me know I was behind. This company would call if you were paying on the XXXX of the month so when I did not receive any bills or phone calls, I figured that the loans were consolidated in my refinance. I do not think it is fair or non deceptive to tell a client that they only have to pay a certain amount and not inform them of the credit repercussions. I had no idea. I as the consumer depend on the lender to be open and forthcoming because they do this everyday. This is my first house and I just trusted them. This house was paid for under the terms they offered me and was sold free and clear so there was no way that I would know that a year later, I would be facing this problem of not being able to buy a home.
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 right to privacy and confidentiality under 15 USC 1681. 

XXXX. ) XXXX XXXX XXXX Account Number XXXX XXXX. ) XXXX XXXX XXXX  Account Number XXXX XXXX. ) XXXX XXXX XXXX Account Number XXXX XXXX. ) XXXX XXXX XXXX Account Number XXXX XXXX. ) XXXX XXXX XXXX Account Number XXXX 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( 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 or other personal consumer reports

Date : XX/XX/XXXX To : TransUnion Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Subject : Request for Correction of Credit Report XXXX XXXX XXXX XXXX Dear TransUnion XXXX, My name is XXXX XXXX XXXX, and I am writing to formally request a correction to my credit report. Specifically, I am disputing a late payment record that appears inaccurately on my report. This error constitutes a violation of several provisions under XXXX law regarding the accuracy and protection of consumer information. 

The following legal provisions support my request and highlight the importance of accurate and secure reporting practices : 15 U.S. Code 6801 Protection of Personal Information 15 U.S. Code 6802 Obligations Regarding Disclosure of Personal Information 15 U.S. Code 6803 Disclosure of Privacy Policies 15 U.S. Code 1681e ( b ) Accuracy of Credit Reports 15 U.S. Code 1666b Timely Posting of Payments 15 U.S. Code 1681a ( d ) ( XXXX ) Exclusion of Certain Transactions from Credit Reports 18 U.S. Code 1028A Aggravated Identity Theft Pursuant to these laws, I respectfully request a thorough investigation into this late payment record. If it can not be verified as accurate, I ask that it be removed from my credit report immediately. 

For your convenience, here are my contact details : Name : XXXX XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX  XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX I have attached supporting documentation to assist with your investigation. I kindly ask that you respond in writing with the results of your investigation within the time required by law. 

Thank you for your prompt attention to this matter. 

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

I froze my credit with Experian several years ago. I have since changed my phone number associated with the account. When you call in, there is no way to get to a live person to unfreeze your account if you don't have your original number. 

Through incredible persistence, I was able to hound the corporate office through numerous phone calls until I got a live person, but this took well over five hours. Many times when I called the corporate office, I would explain the situation and they would just transfer me back to the robot. Finally, I was able to get a person who had some sympathy and transferred me to a real person. 

It may seem that poor customer service is not something that this agency deals with, but I would suggest that a group that has so much power of peoples ' lives have some responsibility in assisting them. 

I highly recommend that your office tries to call and see for themselves just how ridiculous and frustrating this company is to deal with. I can't imagine how someone who is less technical than I am ever gets help.
Product: Credit reporting or other personal consumer reports

correspondence was sent certified mail due to inaccurate reporting of information on credit report in pursuant with 15 U.S.C 1602 ( P ) ,15 U.S.C 1601 Regulation Z, 15 U.S.C 1666B. see attached
Product: Credit reporting or other personal consumer reports

I have received a letter from Barclays dated XX/XX/year>, in response to my dispute letter sent on XX/XX/year>, about my account. However, they have not adequately addressed the serious violations of the Fair Credit Reporting Act ( FCRA ) and other regulations that I mentioned in my original letter. Let me reiterate and expand on the key points : 1. Request for Validation and Specific Proof : In my previous correspondence, I specifically requested evidence in accordance with 15 U.S.C. 1681s-2 ( b ) of the Fair Credit Reporting Act ( FCRA ) that validates the accuracy of the negative reports issued to the credit agencies. 
2. Lack of Evidence in their Response : their letter does not provide adequate documentation to support. 

In their letter they also declined to provide the requested proof that I'm asking by Law
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX AND XXXX  is in contempt of fixing my credit report. fraud accounts. block all of the accounts listed below : Original Creditor Name : 11 XXXX Opened XX/XX/XXXX ( 2 mos ) Account status Open Original Creditor Name : XXXX XXXX XX/XX/XXXX ( XXXX XXXX XXXX ) Account status Open Inquiry details XXXX - XXXX XXXX from XX/XX/XXXX + Telephone Companies XXXX - XXXX XXXX from XX/XX/XXXX + Telephone Companies because these are the accounts and inquiry that needs to blocked permanently from my credit report. BLOCK THESE ACCOUNTS THIS ACCOUNT IS UNVERIFIABLE AND HAS NO VALID EVIDENCE TO MAINTAIN THIS FICTITIOUS CLAIM.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed or omitted. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against Experian, regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
I discovered discrepancies in the following account ( s ) : XXXX XXXX XXXX ( Account Number : XXXX ) XXXX XXXX XXXX ( Account Number : XXXX ) Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request Experian has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Product: Checking or savings account

I enrolled in their promotion for a {$100.00} credit after depositing {$10000.00} by XX/XX/2020 and keeping it there for 60 days. I deposited the money on XX/XX/XXXX after receiving my annual bonus from work. 

However, when I called to check on the status of the bonus I was told that I did not enroll in the bonus. Then after showing them the confirmation that I was enrolled, they then changed the story to say I wasn't eligible for the bonus since I had withdrawn money from the account on XX/XX/XXXX, which was before I enrolled in the bonus.
Product: Credit reporting or other personal consumer reports

ACCOUNT # XXXX Whats up Just wan na let you know Im disputin that debt you mentioned under the Fair Debt Collection Practices Act Aint askin for more proof or docs just lettin you know I dont agree. If you need to reach me best way is by text on my cell or email on my cell or computer Monday to Friday between 9am and 1pm Eastern Time . Any other times or methods like live calls or voicemails aint good for me.ACCOUNT # XXXX plus other accounts you saying I'm oweing.
Product: Debt collection

Had 2 more calls about collecting a debt from chase, I have no accounts of any kind with chase nor will I ever. 
They are rude XXXX XXXX XXXX voicemail on this one said they would come to my house and arrest me.

Voicemail transcription : House __ you get arrested please press one to connect are concerned officer to resolve this matter thank you