23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

RE : Transaction Date XX/XX/2023 Merchant name : XXXX XXXX  in the amount of {$410.00} Chase website did not allow me to open a dispute against aforementioned merchant in aforementioned amount, therefore I called Chase on XX/XX/2023 to open dispute against aforementioned merchant in the aforementioned amount. 
Chase Representative additionally refused to let me open a dispute on aforementioned transaction but promised an investigation will happen to ask merchant to refund my account. No more than 30 minutes after this phone call I received an email letter from chase stating we resolved your dispute. Nothing was resolved, nothing was refunded, Chase is a farce and a Sham. Chase did nothing to resolve my dispute, chase refused to open a dispute and you refused to let me upload supporting documentation.
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 

I looked at my Equifax credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. 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 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 ( XXXX ) 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.
Product: Credit reporting or other personal consumer reports

I contacted Bridgecrest to see when the vehicle would be sold and my credit reporting updating for the amount I'm responsible for and I have not received the amounts or any information regarding this request. I do not owe the amount show and want this removed due to inaccurate information on credit report and it as a voluntary repossession due to lost of job ( due to health reasons ) and they put involuntary.
Product: Credit card or prepaid card

XXXX $ was stolen out of my bank account on XX/XX/2021 Ive been trying to dispute this claim for 40 days now every time I get this escalated Ive been give the ring around transferred have been on hold for more than an hr each time all for Wells Fargo to push my claim Out and start the process all over again. They tell me the claims officer working my case isnt available or is out for the day and its frustrating please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

After carefully reviewing my consumer report, I realize my consumer rights have been violated. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consumer and the person making the report. Late payments are a form of transactions and utilization is an experience created by credit usage. 

XXXX, EXPERIAN, AND XXXX ARE reporting late payments on FOR 69 MONTHS- and/ or Utilization is an experience created by credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. I never gave XXXX, EXPERIAN OR XXXX written instructions to report anything to my consumer report, let alone this late payments/utilization. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting method undermined the public confidence with is essential to the continues function of the banking system. Nothing about the reporting of these late payments are accurate and my privacy has been violated due to XXXX violated my consumer rights by allowing these late payments/utilization to report to my consumer report! 

UNDER ( 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ) XXXX, EXPERIAN AND XXXX ARE NOT AFILIATED WITH XXXX  XXXX XXXX 
( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Credit reporting or other personal consumer reports

In violation of federal law, the unverified accounts listed below still report to my credit report after numerous written requests. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you don't verify these accounts, I'm going to sue you. Please abide by the law so that this matter can be resolved as soon as possible. XXXX  XXXX Balance Owed : {$4400.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$4500.00} ;
Product: Credit reporting or other personal consumer reports

Barclays shows up negatively on my credit report even though my owed balance says I owe XXXX dollars. 
I have disputed this transaction many times as well as called repeatedly but I can not get a human on the phone.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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
Product: Credit reporting or other personal consumer reports

This company reported my account during the pandemic when I requested a payment arrangement. They immediately sent it to a collection agency that harassed my and kept calling once they were asked not to do so. Secondly, the company still sends me a note every month for payment from the original company. So which is it, they are double dipping with these negative items on my credit report.
Product: Mortgage

I received a notice of delinquent property taxes. Upon further investigation I found that on XX/XX/2023 the mortgage company paid property taxes on the wrong property. This is gross negligence. On XX/XX/2023 I received a notice of delinquent status on my house insurance. I contacted my insurance agent and he was able to receive payment. He informed me that upon the mortgage company purchasing my loan they were required to contact insurance, which they failed to do so.They also just contacted my stating my escrow account is short and will be raising my payment.
Product: Debt collection

During my senior year at XXXX University, I became very ill and had my roommate take me to the emergency room at XXXX Hospital on XX/XX/XXXX. I was in the hospital for five days with an XXXX XXXX I was under my mother 's insurance at that time ( XXXX XXXX XXXX XXXX ), which I had in my possession ( Medical   Insurance card ) at the time of admission. At that time my legal mailing address was my parents home. On or about XX/XX/XXXX my parents received a collection letter from Affiliate Asset Solution, LLC. it stated that I owed {$XXXX} for services dated XX/XX/XXXX. My mother inquired about this XXXX XXXX XXXX XXXX, who is with, " XXXX XXXX XXXX XXXX '' ; and the original Account # XXXX. The insurance do not have a claim filed for that Dr. on that day, or any other day. XXXX stated, " Dr. 's have 12 months to file a claim for services '', after that the insurance co. and patient are not liable for payment. I don't remember this Dr., but then I was on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I'm still making payments to the hospital. After my mother called Affiliate to find out more about this bill ; I started receiving phone calls from them. Last week it was every day, they even offered to take half the amt., if I pay now. My mom contacted XXXX Hosp., and they said this Dr. no longer works there, and they haven't seen him in a long time.They also told my mom that there was another complaint involving this hospital and XXXX XXXX XXXX XXXX XXXX Also, my first name is misspelled on the collection letter. 
Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  listed late payments on my credit card in XXXX and XXXX of XXXX.
Product: Credit card

XX/XX/24 -- XXXX All my credit cards by Capital One were closed. 

XX/XX/24 -- > I spoke with customer service to request the reason why my accounts were closed and their response was : " The account holder is or was under legal action. '' I asked them what kind of legal action I'm under that could galvanize them to eradicate all my accounts and they responded by telling me to look at public record. I do have a XXXX  record from about XXXX years ago but it is nothing related to finance or anything that could threaten their institution. I have successfully paid all my debts with their company for the past decade and don't see why I have been shut out unprovoked. It is upsetting that I might be getting discriminated against based on my XXXX  record for a mistake I made as a XXXX. Their only reasoning for shutting down my account was for, " legal action that could be in the past or present. '' In conclusion, after reading an article from your website about, " What is credit discrimination? 
The Equal Credit Opportunity Act makes it illegal for a creditor to discriminate in any aspect of credit transaction based on certain characteristics. '' I think this situation should be looked at by an objective third party to see if there was any discrimination or unfair treatment done. 

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

TransUnion will not remove an incorrect item from my credit report. XXXX and XXXX have followed the correct steps and successfully removed the item. I have sent numerous dispute letters to TransUnion but they have failed or refused to remove the item. I have notified them of the inconsistencies, etc. but to no avail.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to indequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for those violations.
Product: Mortgage

XX/XX/XXXX I filled out a 3 hour application with PNC Bank for help with a few Mortgage payments. 
I received a letter a week later then got a call this morning XX/XX/XXXX XXXX. 
I heard that most mortgage company 's were basically allowing you to push back your payments for 3 months while not earning money due to Covid19. 
The PNC rep told me that there was no help for XXXX and XXXX but a forbearance would start in XXXX XXXX and XXXX. I asked about XXXX and XXXX since I needed help now and was told those payments are due. She also explained that those missed payments had to be made up they had to be paid back but not all at once. 
I have not received any money from any agency as of XX/XX/XXXX I cant pay the mortgage right now. 
My Mortgage is currently past due for XXXX in the amount of {$2500.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX furnished and published my personal information without my written consent according to 15 USC 1681 section 602, a & 15 USC 1681, section 604A section 2 please take a moment to look at the account that are being furnished, or my consum

er report without my permission, and or written consent, and whose rights have been violated.

15 USC 1681 section 6028 states I have the right to privacy 15 USC 1681 section 604A section 2 states, a consumer reporting agency can not furnish an account without my written instructions And in accordance with the fair credit reporting act, the law has been broken, and my rights has been violated Also, I have disputed this matter on multiple occasions, and in each instance, a thorough investigation was not done. Those actions are in violation of the laws outlined in section 611 ( a ) ( 1 ) ( A ) as XXXX XXXX have neglected to provide the required method of verification as stated in section 611 ( a ) ( 7 ) and furthermore, XXXX XXXX is also in violation of section ( 5 ) ( A ) of the fair credit reporting act ( FCRA ) by not promptly removing all disputed unverified reportings XXXX XXXX has also breeched their contract While under dispute, XXXX XXXX can not collect the amounts in question or report delinquent on any amounts XXXX XXXX continued collection on the amounts disputed and continuously reported negative derogatory reporting to the credit bureaus
Product: Money transfers

In XXXX 2014, I wired money to XXXX XXXX XXXX XXXX for studies. The amount was {$8800.00}. 
I, unfortunately, was not able to attend the school therefore I expected a full refund. I asked for this refund in XXXX 2014 and I have yet to receive it. 
XXXX XXXX XXXX XXXX has refused to give me my money back and they have chosen to ignore any of my attempts of communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

JP Morgan owners of Chase credit card and something called XXXX with XXXX bank were contacted in XXXX thru XXXX to remove and clear items posted by them on all my credit reports and public records. They claim I opened an XXXX XXXX Credit card account from Chase Bank and a XXXX gas rewards card through XXXX Bank started from and after XXXX and XXXX. 

I reported these as fraudulent as I do not have any association to neither institutions and have not applied for a chase bank card when I was in College in XXXX and it was denied due to no credit history and my XXXX background as an XXXX XXXX. 

Since this year and the past I have seen these two companys claim I have a debt with them. Destroying my credit rating and constantly having third party companies call my phone number from XXXX to XXXX monday through saturday. I have reported these to the credit burues. They sent a reply back to them stating they have proof it was done by me but have not show it at all. I have filed Identity Theft since XXXX, XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past several months I have noted an increased amount of alerts from all three credit bureaus as well as incomplete accounts being listed as well. Some accounts are showing duplicate listings for the same exact debt and I had an account appear from 2006 which has long been resolved and is paid in full. When I reach out to Equifax, the representatives do not have adequate knowledge on the statute of limitations and could not explain why some listed accounts are incomplete and missing vital information. This is of great concern to me as I am in the process of repairing my credit as well as dealing with breaches in the sharing of my personal information. I am requesting this investigation as the credit bureaus should be following the same policies, protocols, and regulations as the general public is held accountable for.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX The results from the investigation is still in progress. If it is more than 90 days, you must remove. 
XXXX deleted a long time ago. Experian and XXXX was supposed to delete it as well according to law. 
If this problem continues, I will contact my state legislation to sue this company, XXXX and the credit bureau due to reporting false information and failing to accurately complete investigation. There are my things that was violated and I need to request an audit from the historical changes that was illegal According to law FRCA srction 605b, it is illegal to report information on my credit report without my permission. Thank you please remove this item from my credit report now.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Number : XXXX XXXX XXXX  XXXX -BALANCE {$610.00} -Date Opened XX/XX/XXXX Account Number : 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 XXXXXX/XX/XXXX EXPERIAN BUSINESS CRED XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I received information from the credit bureaus that your company is attempting to collect an alleged debt that you have listed on my credit reports. Please be further advised, I dispute the validity of the alleged debts in its entirety. Further I request verification of the alleged debts, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. I disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. You are illegally attempting to collect alleged debts and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Product: Credit card or prepaid card

Please do see my letter to XXXX XXXX XXXX, XXXX & XXXX of the Synchrony Financial Company. I do possess a Pep Boys Synchrony Car Care Card which is in " Good Standing. '' I did request a " Credit Line Increase '' to bring my antiqueXXXX XXXX XXXX  to my local Pep Boys store for a Brake Repair and a new set of Tires. Synchrony denied my credit-line increase because they have taken the illegal and unlawful position that I am a " great credit risk '' based upon the " assumption '' that as a senior-citizen of XXXX  years of age, I will not make my monthly Synchrony Card payments. There is absolutely, no, legal basis for a foundation of assumption and speculation in the American Judicial system that an American-citizen is, or, will be, a great credit-risk to a company, based upon an " opinion '' of some backroom want-to-be, XXXX XXXX hotshots. The legal basis for my Complaint is " Age Discrimination. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX card, approximately 16 months, I never had one late payment, in XX/XX/2019 I paid my balance. I went online to view my account today it stated closed. I contacted XXXX, they told me the account was closed not because of my payment history, but because of negative reporting by Transunion. I contacted Transunion, they did not give me a explanation, they told me call XXXX. 

Transunion also has at least 5 other accounts on my credit report incorrect. Transunion shows I have a balance on these accounts which I have paid. I have worked very hard the past three years to improve my credit score. I have nothing in collections. I paid my car off early, which Transunion has also not reported. I was going to apply for a mortgage and Transunion is destroying my credit. 
Finally when I got through to Transunion, it was very difficult for me to understand what the person was saying due to a very heavy accent. 
I am amazed that in the USA this is the poor reporting system we have in place. 
As I said, I was never late with my payments to XXXX, and recently paid my {$1000.00} balance and my account is closed because of whatever negative information Transunion shared with XXXX. These reporting agencies should have stricter overseeing because they are ruining peoples lives. 
Also I paid my car ( XXXX XXXX ) I have no balance it shows I owe {$9200.00}. I owe XXXX. XXXX I paid {$970.00} I owe XXXX, the balance is still there, XXXX XXXX XXXX incorrect balances. XXXX XXXX XXXX, I owe XXXX shows I owe {$600.00} This is inaccurate reporting by Transunion and damaging my credit that I am working very hard for. I have 0 accounts in collection