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

I am a natural person, knowing my full rights. Equifax has supplied the following inquiries on my credit file, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The stated inquiries are in violation of my rights under 15 USC 1681 and I DID NOT at any point give permission to perform these inquiries and I did not perform these inquiries at any point.
Product: Debt collection

They call a previous employer by the name of XXXX XXXX at XXXX. He has told them for years I no longer work for him. To stop calling and they ask for my phone number and if I still live at such and such address and where I work. 

They repeatedly call my parents at XXXX. They refuse to answer. 

They repeatedly call me all day long.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had numerous conversations with XXXX regarding my account # XXXX XXXX XXXX XXXX - Which was an old XXXX account that was converted into XXXX through XXXX. <P/>They charged me an unexpected fee, failed to disclose it, and then marked me 60 days delinquent for XXXX 2017. I am in the middle of a mortgage transaction and this is now causing serious problems and I am in jeopardy of losing thousands of dollars. I have talked to XXXX and they have agreed to remove the derogatory reporting, yet as of XX/XX/2017 they updated the credit bureaus and re-confirmed the 60 day late. Now my reports are updated with a late payment still on their. It is a nightmare to navigate the XXXX phone system, and every customer service rep I speak to is unable to understand my problem, or offer a solution. I urge, and plead for your assistance in resolving this matter ASAP. I am on a deadline of XXXX and need written confirmation before then that this late payment has been deleted from my credit history once and for all.
Product: Payday loan, title loan, or personal loan

By advice of an assistant attorney general of Virginia I am submitting my complaint for predatory lending. Net credit made it unclear upon agreement the payment amount was biweekly and that the interest rate surpasses the usury cap of 12 % for the XXXX of Virginia. I am currently a complainant in a case against the XXXX of Virginia Vs. XXXX XXXX  which is being actioned in XXXX XXXX circuit court. This complaint is that XXXX XXXX has no legal authority to bind Virginia citizens to usury caps above 12 % when they do not have a license to operate in the XXXX of Virginia even with a binding arbitration agreement.
Product: Credit reporting or other personal consumer reports

These accounts are illegal and I have already made an identity theft report. These collections are fraudulent. I've hired a credit specialist and I've placed security alerts on my bureaus. This is my second time having this issue with these accounts and inquiries that I did not authorize. Please remove them ASAP portfolio recovery Date opened XX/XX/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
Product: Credit reporting or other personal consumer reports

I am writing to file a formal dispute regarding a clear violation of the Fair Credit Reporting Act ( FCRA ) by Equifax and XXXX. I have discovered that the consumer reporting agencies have reinserted previously deleted information into my credit report without providing the required notification, as mandated by 15 USC Code 1681 ( i ) ( 5 ) ( B ) ( ii ) ( C ). 
The accounts in question are as follows : XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Per 15 USC Code 1681 ( i ) ( 5 ) ( B ) ( ii ) ( C ), it is explicitly stated that if any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted, the consumer reporting agency must notify the consumer in writing not later than 5 business days after the reinsertion. 
Despite this statutory requirement, I have not received any notification from either Equifax or XXXX regarding the reinsertion of the aforementioned accounts. This failure to comply with the FCRA has serious implications for consumers, as it denies them the opportunity to review and dispute inaccuracies in a timely manner. 
I kindly request the Consumer Financial Protection Bureau to : 1. Investigate the reinsertion of deleted information by Equifax and XXXX without providing the required written notification, as mandated by 15 USC Code 1681 ( i ) ( 5 ) ( B ) ( ii ) ( C ). 
2. Confirm the violation of the FCRA and take appropriate enforcement actions against Equifax and XXXX. 
3. Ensure the immediate removal of the reinserted accounts from my credit reports.

4. Provide me with written confirmation of the resolution and any actions taken.

I appreciate your prompt attention to this matter and the protection of consumer rights under the FCRA. Please feel free to contact me if further information is needed.

Thank you for your assistance in resolving this issue.
Product: Credit reporting or other personal consumer reports

Kindly remove these inquiries. I am not informed about this, and the company proceeded without my consent.
Product: Checking or savings account

On or aboutXX/XX/XXXX, I opened a CD account, with Valley National Bank. It has been a nightmare ever since it was open. On or around the month of XX/XX/XXXX, I lost my CD check, I ask for a replacement, it took two months for a replacement. The same day, I can in to do the paperwork, I ask to open a CD, I had over 500 , Ms XXXX states I did not have enough money to open one. Then another time I came to get the interest on my CD account the lady with the maroon hair that sat across from Ms.XXXX gave me a hard time. I threatened to call the XXXX office she processed the account even though they don't do anything. These incidents took place in the XXXX office on XXXX XXXX. I spoke to Ms. XXXX at the XXXX office no faster service. 

However, I decided to go to the XXXX XXXX office to get better service I had no problem with them until today, XX/XX/XXXX. I went there to get my interest, the so call XXXX, XXXX stated I should not be getting any interest the bank was just wavering the fee each month for me as a curtsey. I explained to her that was not true. She call the CD department and they told her I was getting the wrong code for the amount I was getting, I ask for the number, she stated they would not give my the number. Her professional behavior was horrible. I have one more month to go I can't wait I will be leaving this bank. Another incident I opened a {$500.00} Christmas club I only got XXXX for the year, but if not paid by time stated you are charged {$50.00}. I will never use this bank again and I will tell others about this matter. I feel since I am a minority this can take place.
Product: Student loan

When I could n't pay my student loans they sent me to collections and charges a lot of interest. My other loan now payment plan is kind of high they do n't take into consideration of living expenses for families. My credit score dropped they do n't report correctly to the bureaus and the interest charges is a lot.
Product: Checking or savings account

In XX/XX/2023 I was a victim to identity theft stealing my email address, username and password without my authorization on four separate online bank transfers to another checking account with routing number in total {$11000.00} that wiped me out to zero balance! 

I immediately responded to BofA fraud department that guided me through my online checking account and directed me to another bank acct where my personal funds were transferred to without my approval! It was then sent to BofA investigation department for review. 

My submittance was denied twice that I or someone else had authorized these unlawful criminal transactions in which I was never aware of! Therefore, its highway robbery in disguise!
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found that several items there were inaccurate on my account. This account is affecting the ability to obtain credit, I request an investigation of these items so that the inaccuracies are verified. Here are the items for your verification : Account XXXX XXXX XXXX XXXX number XXXX ( Collection )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 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. 
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
Product: Checking or savings account

I have an account on auto pay with XXXX XXXX through my bank XXXX XXXX XXXX XXXX XXXX charged my account twice. The second charge was unauthorized and there was no money in my account but Schools First Federal Credit Union went ahead and paid the amount withdrawing the money from my savings account just to charge a {$22.00} fee. I did not authorize the credit union to pay overdrawn checks from my savings account nor have I signed any papers to authorize this but they are all in cahoots, help each other scam people and charge fees. In the mean time XXXX XXXX says they have cancelled the second transaction but 3 days have passed and the money is not in my account. 
These thieves give me the run around blaming each other and I am out of {$380.00} plus {$22.00} and the harassment from them and am now in dire straits.
Product: Vehicle loan or lease

This company is the worse I paid the car off  XXXX  2016  wrote a check for  XXXX  check cleared my account and i have a bank statement that show this.   XXXX   XXXX     XXXX  repoed my car  XXXX  2016  for non payment. I sent the bank statement to them it took me 30 days to talk to someone and all i got out of her was can we do a  three  way call with the bank. My bank informs me that not only will they not do a third party phone call thats related to sensitive personal information they would n't even give me my account number over the phone. So that was it no more working with me my credit tanked  XXXX  points because of a fraudulent repo and  XXXX  for a car I no longer have these people need to be shut down we have enough fraudulent corporations in America.
Product: Credit card

I am writing to formally file a complaint against Chase Bank regarding their failure to properly investigate and handle a chargeback dispute related to a reservation at the XXXX XXXX XXXX on XX/XX/2024. 

Background of the Dispute : I had a guaranteed reservation for a Superior Suite at the XXXX XXXX XXXX. Upon my arrival, the hotel failed to provide a Superior Suite and instead downgraded me to a room without air conditioning in the middle of summer, rendering it uninhabitable. Despite this failure to provide the services and accommodations as purchased and guaranteed, the hotel charged me the full premium price.

The hotel refused to issue a refund, citing that they did not provide habitable services or accommodations that were in any way similar to what was guaranteed. Consequently, I filed a chargeback with Chase under Visa Dispute Resolution 13.3 for " Services Not As Described or Defective. '' Chase 's Handling of the Dispute : Unfortunately, Chase failed to properly dispute the charge with the merchant within the allowed timeframe. I have a screenshot from my Chase.com portal that confirms there was no acknowledgment of my dispute from Chase.

In support of my dispute, I provided Chase with : * A copy of the original reservation.

* A description of the guaranteed accommodations that were not received.

* Copies of communication between the hotel and myself, demonstrating that the accommodations were not as described. 
* A link to the full XXXX XXXX XXXX XXXX, which states that if a reservation is not honored for any reason, the hotel is obligated to not only cover my stay for that evening but also provide compensation. 

Chases Failures : Chase has failed to : * Properly file this dispute with the merchant in accordance with the dispute resolution guide. 
* Acknowledge my dispute within the allowed timeframe. 
* Provide any evidence supporting their belief that the charge is valid. 

I am requesting that the CFPB investigate this matter and take appropriate action to ensure that Chase Bank fulfills its obligations regarding chargeback disputes effectively and fairly. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these accounts that are not mine and i want htem to be remove. 

1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

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

On XX/XX/XXXX I was sick and admitted to the hospital. Afterwards I negotiated the full hospital bill with the billing department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX. From {$5600.00} to {$2200.00} I payed in full XX/XX/XXXX in person and received a signed receipt from the billing department saying the bill was payed in full. About 3 months later I received an additional {$220.00} from XXXX XXXX XXXX from that same hospital visit that I had already negotiated and payed in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, and XXXX XXXX Account # XXXX has Violated my rights.

15 U.S. C. 1682 Section 602A section 2 Statees I have the right to privacy 15 U.S.C 1681 Section 604A 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a car loan with XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX. This installment account I've had for years and is an automatic debit to my checking account for the montly payment and recently I saw that in my credit report, the account was about to become a charge off. I called the bank and have not been able to get a clear answer. Then I have tried to dispute it to the bureaus with all the evidence that I have from the bank and I have not heard or had a response from the bureaus or the bank. 
I had to make a formal complaint to XXXX XXXX XXXX regulator in order to complain on the mishandling of my financial information. This violates my rights as a consumer to have the correct information being reported on the credit report. 

Attached all the evidence. 

Please advise,
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020, {$520.00}. TransUnion is both a credit report and Collection agency as per conversation with XXXX and TransUnion. TransUnion LLC. aka TransUnion took on a third party contract ( which TransUnion failed to disclose any info regarding this purchase from XXXX XXXX so, I can proceed with legal action ). My findings from XXXX  stated TransUnion was acting on the collection agency side on the date of submitting to the bureaus. TransUnion LLC abused their powers as both a collection agency and credit bureau by violating the FDCPA ( Fair debt collection law ). TransUnion failed to notify me about the third parties collection claims or give me the right to dispute or produce information that I was a victim of identity fraud and I don't have bad debt. Instead, TransUnion made false and misleading documentation of both reporting and submission to the other credit bureau 's including their vary own and no allowing me to dispute this on their website. After receiving info from XXXX  that TransUnion was the agency to contact, I spoke with TransUnion on XX/XX/2020. Transunion advised me that the collection was removed and it was sent back to the third party company that purchase the debt from XXXX XXXX. However, when I first made contact with TransUnion the agent stated, This is an an attempt to collect a debt. '' Meaning this was truly the agency as advised by XXXX  that violated my RIGHTS and Abused their authority to both collecting and reporting to the Bureau. TransUnion refused at that point to give me requesting info to the name ( address or phone ) of the company they were collection on which further violates the law. All TransUnion advised of it would remove info from my credit ( nothing was stated about the other two credit reporting agency ) and it would return the account back to the third party agency as a dispute and they would send out a fraud affidavit. I stated if you would have did your job by notifying per the FDCPA ( Federal Trade Commission ) you would have had my police report and FTC report on the identity Theft..****TRANSUNION HAS VIOLATED MY RIGHTS AND HAVE USED COVID19 to try to get away with their ABUSE AND MISUSE OF THEIR POWERS
Product: Debt collection

I was recently swindled into thinking my PayPal was overdrawn in 2019 and was sold to these guys who sent me a letter. Upon contacting XXXX XXXX XXXX questioned where the charges came from as PayPal typically withdraws immediately and literally no one couldnt tell me why, rather, they kept saying that I was requesting validity so I went with it. Furthermore, I contacted PayPal and they stated it was true that I had an account in 2019 that was sold to XXXX XXXX, however, PayPal could not see any details as to why or how my account went overdrawn and was informed that all information is no longer viewable through PayPal and ALL information was sent to XXXX XXXX. I once again call XXXX XXXX and was transferred to a compassionless woman who stated she didnt need to provide validity and continued to condemn me for not making payments on an account I had no knowledge of and ended the call ( what XXXX XXXX ). Ive never owed anyone so I payed the balance the same day as these calls ( XXXX hours of back and forth ) and received a letter today dated XX/XX/XXXX stating Based on your stated dispute we have ceased collection on this account. 
I contacted XXXX XXXX and spoke with a XXXX ( rep ID XXXX? ) to request a refund due to not be able to validate debt and he denied my request for a refund asking me Are you saying this isnt your debt?
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section XXXX A. States I have the right to privacy. 15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions The XXXX failed to provide a validation letter to the consumer as proof of debt therefore my rights have been violated.
Product: Credit card or prepaid card

To Whom It May Concern : I am an authorized account manager and additional card user on an American Express Platinum Delta Skymiles credit card. Due to COVID-19, XXXX XXXX refunded flights totaling {$1800.00} to our American Express account. On XX/XX/XXXX I called into American Express to request a refund check be sent out to me for this amount. The check was never received. After waiting at least two weeks, I requested that a wire transfer be processed for my account. I provided the joint checking account and routing numbers and this was never processed. 

After waiting another week I called back and was refused to speak with a supervisor. When I eventually got a supervisor and desired to escalate further, I was hung up on and no one has called me back. 

After finally receiving my money back greater than 30 days after the initial request I thought all was fine. On XX/XX/XXXX, American Express processed another charge to my account in the amount of {$1800.00} making it appear that I owe them money. My billing statement closes on XX/XX/XXXX and my credit profile will be negatively impacted due to this. I am in the process of purchasing a house and this will potentially prevent me from doing so due to the negative impact to the reported amount. American Express claims to have sent another request to their refund team via a ticket and an email. I have been told things will be resolved within 48 hours to 7 business days, which is unacceptable. 

Now after spending at least 10 hours on the phone with American Express to resolve their mistakes they will not own up too. 

A prompt response is requested.
Product: Debt collection

I am writing to report a distressing incident regarding unauthorized account activity and threats made by XXXX, a subsidiary of XXXX XXXX. I have been a victim of fraud and identity theft in the past, and it appears that my personal information has once again been misused to open an account without my consent. I kindly request your assistance in resolving this matter promptly. 

The unauthorized account in question is associated with XXXX XXXX and was reported by a company named Credit Collection Services under file number XXXX XXXX XXXX. I was completely unaware of this account 's existence until I discovered it on my recent credit report. To my dismay, the account is negatively impacting my creditworthiness and causing undue stress. 

In an effort to rectify this situation, I reached out to XXXX directly to explain the issue and request immediate action. I spoke with a representative named XXXX, who regrettably failed to provide the assistance and support I had hoped for. Instead, she informed me that I was responsible for making payments on a phone that I neither possess nor require. This demand from XXXX places an unfair burden on me and exacerbates the distress caused by the unauthorized account. 

Given my previous experience with fraud and identity theft, I am deeply concerned about the potential implications of this unauthorized account on my financial well-being and personal security. I have taken all necessary precautions to protect myself from such incidents, including regularly monitoring my credit report and being cautious with my personal information. It is disheartening to find myself entangled in such a situation once again.