23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This has caused me to suffer and its defamation of my character. 

XXXX XXXX XXXX XXXX THIS INFORMATION IS NOT ONLY INACCURATE, ITS INCOMPLETE. 

What was the monthly payment for this account? Trans Union is reporting {$0.00} and XXXX and XXXX isn't reporting anything. Did the furnisher not supply you that information? 
What is the current balance owed to date? 
What was the date of first delinquency for this account? 
Why is XXXX reporting a date of last activity as XX/XX/XXXX, while Trans Union and XXXX report the date as XX/XX/XXXX? Which date is it? 
What was the credit limit for this account? 
Is this account past due? If so, how much past due is it and if not was it ever past due, and if so, how much? 
Look at the payment history. Why is it reporting as RF for XXXX and XXXX of XXXX for XXXX and then reporting on time for XXXX of XXXX and then back to RF from XXXX of XXXX to XXXX of XXXX? What is it? Why isn't XXXX or Trans Union reporting any payment history? 

This information is all over the place.
Product: Checking or savings account

I am getting in touch with you because of unprotected fraudulent activity that occurred to us as long time customers of Chase Bank. I am hoping that you can provide some assistance or guidance with this situation. 

We recently fell victim to fraudulent charges worth thousands of dollars. When the first unauthorized transaction occurred on XXXX XXXX XXXX a purchase of bit coins for XXXX XXXX, the bank called my husband ( we have proof of this call ) to verify whether or not this suspicious transaction was authorized by any of the account holders. My husband confirmed that neither he or I knew about or authorized the transaction. The bank then informed him over the phone that all cards on the account would be closed, new cards will be issued and mailed to us XXXX business cards never arrived ) .. We were under the assumption that the cards would be closed as indicated on that phone call. 

Two days later there were 14 more unauthorized transactions on the account. The bank initially returned the money. And then very soon after, decided to take the money out without providing a reason for their decision. They had apparently decided that the transactions were authorized after all. The problem got bigger after overdraft fees crippled the account more. After multiple attempts by us to discuss the case with local branch staff and customer service representatives, Chase Bank has been very unwavering in their decision and has provided no information about an appeal or how they came to the decision. We have not received any official letter or email. To this day, the bank will not tell us why they changed their mind about these unauthorized transactions totaling {$9800.00} plus other charges and fees. Frankly, we are outraged at the way that Chase Bank is treating this situation. Our money was not protected and they are not being clear with us. The whole transaction has been done in violation of the Account Agreement signed with Chase XXXX see Account Alert and Overdraft Protection provisions ). 

Again, we are reaching out to you because at this point, after trying our options with Chase Bank, my husband and I have run out of options, and we are hoping that you will be able to assist in some way or provide some guidance. We just bought a house. This is not a small amount of money to us. This money was hard-earned. We are hard-working, honest people. As immigrants, we worked hard for years trying to live the American Dream. Being able to finally buy this house and live in this beautiful place has been a dream come true. But now, the way Chase Bank has treated us has left us in a stressful situation again. Its difficult to think about losing this much money after buying a home. I want to live knowing that my money is competently insured by the largest bank in the US. 

We would be willing to answer any questions that you might have pertaining this case. 
We look forward to hearing from you. 
Thank you.
Product: Credit card or prepaid card

Problem : {$1300.00} worthy of Uber Visa Card points are forced to depreciated into {$250.00} uber cash Late XX/XX/XXXX, Barclays relaunches the Uber Credit Card. In the informing email sent out to its existing card-holders, it only emphasized the change of new rewards earning structure, including earn 5 % back in Uber Cash, mentioned all rewards points would be converted into Uber Cash if not asked to be redeemed by card-holders before XX/XX/XXXX. 

Mid-XX/XX/XXXX : I redeemed {$250.00} Uber Cash, which is marketed as " earned this billing cycle. '' I couldn't help notice that there was {$1000.00} marked as " earned last statement '' but I was unable to redeem them because {$250.00} was all that the Uber app showed as " available to redeem. '' ( Please see attached Exhibit A and B for reference ) I called up Barclay and they asked me to seek help from Uber, so I did. Then Uber asked me to address the issue Barclay, so I called Barclay again. This time they agreed to open an investigation for me. 

XX/XX/XXXX, I received a letter from Barclay asking me to call them for more information about my case. I was informed by the representative that the {$250.00} I redeemed are of the same value the {$1300.00} rewards points in the past and therefore she could not help me match the discrepancy. In other words, my {$1300.00} worth of rewards is depreciated into 20 % of its original value because Barclays and Uber decided this is how they want to do their business.

My complaints : 1. This is an atrocious breach of trust and contract, not only because this is not the term I agreed when I signed up for Uber Cash, but also a fraud of allowing card-holders to assume that they reward points are of the same value in U.S dollars only to be redeemed in a limited manner.

2. The email that was supposed to serve the purpose of informing card-holders change of contract terms was opaqued by the highlights of new benefits and encouragement of usage of Uber Card, which in its very nature is advertisement and a distraction of important notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and removed from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD XX/XX/2020
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding the Erroneous Account in the XXXX Credit Report Dear Consumer Financial Protection Bureau : I am XXXX XXXX, and I hereby express my dissatisfaction with the outcome of an investigation pertaining to my XXXX credit report. In the credit report recently received, an account associated with KOHLS DEPARTMENT STORE XXXX XXXX was indicated, yet this account is unequivocally not mine. 

I have engaged in communication with XXXX and lodged a dispute ; however, their investigation result remains unconvincing. I firmly believe that this erroneous account information has exerted a negative influence on my credit record and may potentially pose difficulties for me in future credit transactions. 

I earnestly hope that the Consumer Financial Protection Bureau can intervene in this matter, mandate XXXX to conduct a further verification of the information related to this account, and rectify the error without delay. Simultaneously, I also anticipate receiving specific guidance and recommendations on how to resolve this issue effectively. 

I sincerely appreciate your attention and support regarding my complaint. 

Complainant : XXXX XXXX
Product: Money transfer, virtual currency, or money service

no customer service phone number or agent avaliable to help issues
Product: Credit reporting, credit repair services, or other personal consumer reports

It's my belief that XXXX XXXX  has taken discriminatory actions against me. The company fails to abide by federal regulations. Company is in direct violation of 15 U.S.Code 1681a ( 2 ) ( i ) which clearly states item to be excluded from a consumer report ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; shall be excluded. The definition of excluded means remove from consideration. XXXX XXXX has taken adverse discriminatory actions against me and has failed to perform a FAIR and accurate investigative consumer report as defined under the rules of construction 15 U.S.C 1681a ( 3 ) ( e ) ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer. XXXX XXXX has no prior written permission nore any lawful authority having means of my nonpublic private personal information. Fraudulent acts having the use of my non public private personal information and furnishing collections on my consumer report as a way to coercing a payment a direct violation of 18 U.S.C 1028a Identity Theft! Company is also in violation of a Ceist and Desist order, terminating communication through all mediums directly or indirectly. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated.
Product: Credit reporting or other personal consumer reports

15 U.S.C 1681 section 602 A. States I have the right to privacy. As well as 15 U.S.C. 6802, and the Privacy Act of 1974. This company is also violating Metro 2 Compliance guidelines. This is FRUAD AND IDENTITY THEFT. It saddens me to know that this company has complete control over my livelihood by sharing private personal information that is incorrect or invalid and AGAINST MY WILL. Their power is going completely unchecked, even with the laws in place that are supposed to protect my consumer and civil rights. I will be taking this company to arbitration if the following addresses are not removed immediately I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611
Product: Debt collection

Debt not mine. It is showing up Wakefield and Associates from a hospital called XXXX XXXX XXXX. Please have Wakefield and Associates remove from my XXXX credit report. Someone has been using my social security number and they 're a lot coming up on my XXXX. It is showing negative. Please have them correct this and have the report updated. Amount is for {$120.00}. I am refinancing my home and the mortgage company needs this removed from my credit report. Please update positive and remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

The financial institutions listed below continue to violate my federal right to privacy. 

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 XXXX Per 15 U.S. Code 6802, these institutions are required to provide me with a notice that clearly and conspicuously outline my rights as a consumer. They have not provide me with an option to opt out of consumer credit reporting. I was not given the opportunity to, or choice, to exercise my right to direct that my private information is not to be disclosed. I never authorized for the these institutions to share any of my nonpublic personal information, such as financial data, to nonaffiliated third parties, such as XXXX, XXXX, or Experian, and others. These banks continue to report information on my consumer report without my explicit written or verbal consent. No consent is identity theft. Furthermore, 15 U.S. Code 1681 ( 2 ) states that transactional information or experiences between the consumer and the furnisher are to excluded from consumer reporting. Congressional findings in section ( 4 ) state that the consumer reporting agencies are to exercise their grave responsibilities for fairness, impartiality, and a respect for the consumers right to privacy. XXXX, XXXX, and Experian, all have used information that was not supposed to be reported, to compile a report as to who I am as a person, -which is not a true reflection of myself. Due to their repostings, I have suffered greatly. I have been experiencing tremendous pain and suffering, as well as loss of earnings, loss of quality of life, and necessary damage to my financial reputation.
Product: Debt collection

Account has been sold to CREDIT COLLECTION SERVICE without my consent and under 15 U.S. Code 1692G that is violating my consumer rights. I want this deleted from all three credit reporting agencies immediately. The original debtor posing as a creditor is PROGRESSIVE. I sent them a negotiable instrument ( 1099 A ) and accepted for value the coupon voucher for {$810.00}. I sent it certified with a return receipt so I have proof it has been received. Again Progressive sold my account to them so they basically violated my consumer rights trying to double dip. Please delete this asap!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing the inquiries that appear in my TransUnion report. I have never authorized any inquiries to be made in my report, and I believe that these inquiries are fraudulent. I am requesting that the following inquiries below be removed immediately. 

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 If you have any questions, please do not hesitate to contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I leased a XXXX two years ago, I moved to XXXX  and XXXX XXXX added XXXX sales tax to the lease, I paid the taxes up front in XXXX XXXX, by there own admission they made a mistake, my credit report is showing me late on the {$180.00} that was charged to me without my knowledge, its being refunded and they said they will take the credit marker off, I need this done now, Im closing on a house and will have a problem, I had a XXXX credit score and now XXXX because of there mistake. Please contact them and have them remove it ASAP Thanks, XXXX XXXX XXXX
Product: Credit reporting

Tried to get my credit report from Transunion on line, they asked me questions that have nothing to do with me and pertain to erroneous info they keep putting on my report for another person. As a consequence of TransUnion incompetence and negligence the questions they ask are nothing to do with me and of course the answers are not correct so they refused access to my credit report. They then tell me I have to contact them by phone and provide the tel number which wasted my time and phone minutes only to tell me to contact another number XXXX XXXX XXXX which of course wasted more of my time and most of my phone minutes for the month only to turn out to be the phone number of XXXX XXXX not Transunion. My job has been affected, my security clearance is in jeapordy and I have been denied financing and mortgage because of Transunions wrongfully reporting bad information on my credit that does not pertain to me. Transunion are destroying my life and refuse to provide my a copy of my credit report or access to it
Product: Credit card

On XX/XX/year> I received a USAA Alert Text Message asking me to verify XXXX separate charges that were flagged as fraudulent. It prompted me to respond XXXX as to whether or not I authorized the charges. I responded that I did not and a text was sent with a number to call. I called immediately and the representative refused to help me because she said she needed to verify my discharge date from the XXXX. She made is very clear she wouldn't do anything for me until that happened. I assumed because of my text response and call that a case would be filed. 

I work for a XXXX agency now and I was XXXX shortly after that from XXXX. Since I have returned, I have called USAA on XXXX separate occasions. I have been put on hold for XXXX minutes only for the call to get disconnected. Agents have disconnected the chat when I asked about filing a complaint as well. I have been told a fraud case was filed, to later be told it was not. I get constant harassing calls rom USAA about being behind on my payment. It has since reflected on my credit report that I am 30 days late and the full balance, including the fraudulent charges reflects as well. 

I would like this resolved so I can close the account. This is the second time my USAA card has been hacked even though I have always had physical custody of it. After 15 years of membership, USAA is about to lose my business over this.
Product: Money transfer, virtual currency, or money service

I was looking to rent a home, I came across a home for rent I called the number. The man said I could go look at the home immediately he sent me a code to open the door. I went and looked at the house on XXXX. After viewing the house the man contacted me and asked if I was interested and what I thought. We talked for a few minutes he then said he would need to complete a credit check and I would need to fill out application. The fee was {$50.00}. I got the application filled it out and sent it back to the man with copy of ID and social security card. And the fee. Hours later he contacted me saying I was approved. To secure the house he needed first and last month rent and he would return the following day with the keys to the house. I sent the funds in the amount of XXXX. The following day I contacted him and my phone number was blocked. I immediately contacted my bank and let them know what happened, and my bank told me there was nothing they could do.
Product: Credit reporting or other personal consumer reports

US BNPT CT FL XXXX ( BANKRUPTCY XXXX XXXXXXXXDISCHARGE ) XX/XX/2016 I PREVIOUSLY DISPUTED ( BANKRUPTCY XXXX DISCHARGE /REFERENCE XXXX XXXX AND YOU VERIFIED THE ITEM AS ACCURATE, STATING THAT YOU HAVE VERIFIED THE INFORMATION WITH THE COURT. 
I CONTACTED THE COURT AND THEIR RESPONSE IS ENCLOSED. 
IT IS CLEAR THEY DO NOT REPORT TO YOU OR ANY CREDIT BUREAU FOR THAT MATTER, THEREFORE, YOUR INITIAL RESPONSE VERIFYING THE ITEM WITH THE COURT IS AN ERROR OR A LIE. 
EITHER WAY, THE REPORTING REQUIREMENTS DO NOT COMPLY WITH FCRA 611 ( 15 U.S.C. 1681I ) .AND THE INFORMATION MUST BE DELETED IMMEDIATELY
Product: Vehicle loan or lease

XXXX XXXX XXXXXX/XX/XXXXVoluntary Repossession Sold & Charge off in XX/XX/XXXX. The Amount keep going up starting at XXXX  and is reporting inaccuracy now as XXXX  and steadying increasing. I need them to stop reporting inaccurate information to credit bureau and I would like it removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I took out a loan through Affirm for a XXXX XXXX for the amount of {$960.00}. 

I was laid off in XXXX of that year and after XXXX that next year I was behind and was unable to keep up with my monthly payments. In XXXX the remaining balance of {$440.00} was charged off to collections, where it was paid off in full on XX/XX/XXXX. 

In XXXX of XXXX upon checking my credit report on XXXX I found that the loan from Affirm was still there, listed as still holding a balance of {$440.00}. I disputed this balance as I am on record as having paid. 

The dispute was declined on XX/XX/XXXX so I disputed that result as well on the same day. On XX/XX/XXXX that dispute was also declined. I contacted Affirm and received a XXXX XXXX letter stating I owe {$0.00} balance. I reopened the dispute, and on XX/XX/XXXX it was also declined. At this point I had called both XXXX and Affirm multiple times, each of them blaming the other. XXXX defended that Affirm was declining the legitimacy of the loan verification letter sent, so I asked for information on the collections agency which they did not have as the account had been closed for so long. With a representative to help me, I reopened the dispute with the letter attached and it, again, came back declined on the XXXX of XXXX. 

I reached out to Affirm again and I explained to a supervisor the situation, to which they said they would open a ticket and get this resolved. I called back 2 weeks later to ask for a status update and was told that they would give me one in a few days. A few days past and they contacted me, giving me the same loan verification letter via an attachment and closing out the ticket. Desperately, I reopened the dispute a fifth time and, much to my expectation, it was declined today, the XXXX of XXXX. 

I'm writing this in hopes to escalate the action against the companies in question. This incorrect information has been dragging down my credit score for a few years and I'm starting to feel powerless against it.