23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX Subject : Formal Dispute of Inaccurate Information on Consumer Report Dear Sir/Madam, I am writing to formally dispute the accuracy of the information contained in my consumer report, as obtained from your agency. Upon reviewing my consumer report, I identified instances where non-public information has been disclosed to a non-affiliated third party without my written consent, which constitutes a clear violation of the obligations outlined in 15 USC 6802. 

Upon reviewing the relevant statutes, it has come to my attention that I was never provided with the option to opt out of the disclosure of my personal information, as required by law. I hereby request that you provide evidence demonstrating that I was given the opportunity to exercise my right to opt out, as mandated by law. 

Furthermore, I would like to draw your attention to 15 USC 1681b regarding permissible purposes. I never provided written consent for the reporting of my personal information, and the lack of such consent raises concerns about potential identity theft, constituting a violation under 18 USC 1028a. A report has already been filed with the Federal Trade Commission ( FTC ), and my reference number for the case is XXXX. 

In light of the above, I demand that you promptly remove the following account from my consumer report : Creditor : XXXX XXXX XXXX Account Number : XXXX Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I request that you adhere to the requirements outlined in 15 USC 1681c-2 and remove the mentioned account within four business days from the date of this letter. It is crucial to emphasize that my dispute is not with the creditor but with your reporting agency. Reporting items on my consumer report without obtaining my written consent and failing to provide an option to opt out is a direct violation of my rights. 

I expect immediate action to rectify these issues, and I request that you provide written confirmation of the removal of the disputed information. Additionally, I demand that you cease all methods of verification related to this account. 

Failure to address this matter within a reasonable timeframe will leave me with no option but to pursue legal action to protect my rights under the Fair Credit Reporting Act. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card

I used to have a chase bank account and recently switched to a credit union. I was always able to make my credit card payments through an internal transfer within Chase 's website. However, since I switched I had to call and pay the bill via telephone. I did it with the pay by phone option. I entered my new routing number and account number, as well as the amount and the date I wanted it processed. After I submitted what I thought was the 'payment ' a long message came on that would typically occur at the end of a credit card payment submission. It gave me no options to continue or not to continue so I hung up thinking the credit card was paid. Once I saw that it never left my new checking account I looked on my credit card statement and saw that a late fee was incurred. I called customer service and they refused to waive it because they have waived one in the past ( note this was not a recent waiver ). I typically am very good with paying this bill as it was very convenient for me to do it from my Chase bank account to my credit card. I feel this long message that was put in the middle of the call is an intentional way to the deceit the customer into thinking the credit card payment was submitted when in fact it was not. That is intentional misrepresentation and fraud in my opinion. I want this resolved as I honestly thought this credit card bill was paid. I want my {$25.00} back due to chases negligence. Why would someone who paid their bill notice a day later if they intentionally decided to not pay it? Typically when someone does n't want to pay a credit card bill it goes on much longer than a day.
Product: Vehicle loan or lease

i have dispute before and this company very terrible to fixed stuff, i have no longer responsible anything with the car, instead of they closed the loan since they have sold the car into the auction but on my credit report showing that i have the car still open and showing voluntary repossession on my credit report and also they are increase the the price every months i dont know why they did that i have proof that they kept changing the price.
Product: Checking or savings account

Data breach or something. My name is XXXX XXXX XXXX, XXXX for short, anyway my husband looked on his chase XXXX card and seen {$300.00} deposit for y'all. We opened accounts, XX/XX/year> for my husband and I, joint I guess, at least that's what XXXX XXXX said my husband and I can do. We froze are accounts at least that's what Chase said! But no reference number or nothing. I know I ain't said much, we had XXXX cards from chase, XXXX for my husband, I put {$240.00} on his card and I put {$260.00} on my card. The {$300.00} deposit got ta be wrong, if so, we're is my {$260.00} at? Explain, my money went way to fast, oh yeah a representative said that since we have joint accounts we're going have to pay double! What! Please fix this. Oh before I forget why I don't see the {$260.00} on XXXX card?
Product: Debt collection

A collection agency keeps reporting a collection account on my credit report which does not belong to me.
Product: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX and XXXX is reporting this information.. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Checking or savings account

Chime stole my money from my account! Account was closed XX/XX/2022 Its a long list of complaints from this company in which I wish I looked before I made this account! I provided all the details that they requested! Also got lied to over the phone several times and hours throughout the day! I just want my money back. I also got an offer over the phone from them to give me my account back but they continued to lie through emails. Im sick and tired of this! I need my money back! I keep calling and all they do is lie about a closure check being sent and Ive never received anything. Ive provided so much information and still nothing! Im frustrated and heavily regretting this!
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a car from JDByrider in XX/XX/XXXX the car was returned to them in XX/XX/XXXX I also filed a XXXX XXXX bankruptcy XX/XX/XXXX that included this account. I was looking at my credit report today and they are reporting that this account was closed in XX/XX/XXXX. This is incorrect and I would like this removed from my credit repor asap because they are reporting false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  opened XX/XX/2014 is an account that was fraudulently open 8 years ago. 

Yes this is fraud, however ; this is an account older than 7 years and must be removed on that very fact alone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am struggling to get inaccurate inquires removed off of my credit report. I have disputed two inaccurate inquires with Transunion via certified letter, but the company responded and said the inquires were verified. It was recommended that I reach out to the creditors who did the inquires directly. I called the companies that were reporting which are XXXX XXXX  and XXXXXXXX XXXX, and I was told by their employees that I needed to dispute the information directly with the credit reporting agency. Since I had already done this, I called Transunion to tell them what the two banks said. The Transunion representative was apologetic about the inaccurate information, but still referred me back to the other two companies. I was told that I needed to call the companies and request a deletion letter and once that arrived to mail that letter to Transunion. My concerns are that this process is inconvenient and causing me stress  and hindering me from being able to access consumer credit because there are other companies that are denying me credit due to how many inquires I currently have. I have been disputing this information since XXXX. It is now XXXX, and I am still being given the run around. I dont understand why getting inaccurate information off of my credit report is so difficult.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a business credit card that was taken out by the company I used to work for. That company went out of business, and now XXXX is asking me to pay the card off. I never agreed to be personally liable for this card, and only 3 months ago did this account suddenly appear on my credit report. 

XXXX refuses or is unable to provide me with my online or written consent to be personally liable for this account. They refuse to respond to multiple debt validation letters I have sent about this account. Instead, they sent me a letter stating the put a Cease & Desist on all of my accounts I have with XXXX including my personal checking, savings, and credit card accounts.
Product: Student loan

When I reached the company my payments where just. I made payments for one year. After my bank mishandled my funds, which is under investigation, me and this company lost touch. I provided information to start payments again but the company raised my payment fee and I do not make no more than I did when I started my first payment. In addition I am right back where I started from. XX/XX/XXXX- XX/XX/XXXX
Product: Credit card or prepaid card

Hello Consumer Financial Protection Bureau, I purchased an item from an online vendor using my Costco Citi Visa Card, and the product was defective. I returned the product to the vendor, and I have yet to receive a credit. I was told by Citi the dispute was originally denied because the vendor said the charge was authorized. This rebuttal is unacceptable because I had to PRE-PAY for the online purchase prior to ship. After receiving and using the hair wand, it smoked and nearly caught my hair on fire, which was the basis of the return. 

This dispute has been on-going since XXXX, and the vendor is in possession of the return. I have called in numerous times to Citi, and today they claimed they still do not have my rebuttal re-sent to their requested email address back on XX/XX/XXXX. Unfortunately, I have learned these inefficiencies are because they farm out their disputes to an outside vendor. I called back to report my dissatisfaction, and I spoke to XXXX at Citi XX/XX/XXXX at XXXX EST, and she said the disputes department is currently shut down so open disputes are not being addressed/processed at this time. This is not acceptable because Citi has my money, and the vendor has the returned defective product. Failing to address disputes because the department is " shut down '' is not acceptable. 

Thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX - DATE OPENED XXXX
Product: Debt collection

I am being repeatedly called by a debt collector agency, Harris and Harris. I have checked my credit report numerous times and there is nothing in my credit file about owing any debts. To my knowledge, I also have not received a letter about any owed debt and I have no idea as to what they are referring to. As I do not believe I owe any debts and my credit report doesn't show any, I have no idea why they call me so frequently.
Product: Credit reporting or other personal consumer reports

After opting out per 15 USC 6802, XX/XX/24,, with respect to personal information, Synchrony Bank a financial institution according to, 15U.S Code 6802 ( b ) MAY NOT disclose non public personal information [ ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer ; or ( iii ) otherwise obtained by the financial institution. ( B ) Such term does not include publicly available information, as such term is defined by the regulations prescribed under section 6804 of this title ( C ) Notwithstanding subparagraph ( B ), such term ( i ) shall include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any nonpublic personal information other than publicly available information ; but ( ii ) shall not include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived without using any nonpublic personal information. to a non affiliated third party, UNLESS, ( A ) a financial institution clearly and conspicuously discloses to the consumer in writing or electronic form or other form permitted by the regulations prescribed undersection 6804 of this title, that such information may be disclosed to such third party ; ] Synchrony disclosed in the application that they MAY disclose information to CRAs, However Synchrony failed to follow section B. ( B theconsumeris 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 ) theconsumeris given an explanation of how theconsumercan exercise that nondisclosure option. Which was not done, and Permissible Purpose 15 U.S.C 1681 ( a ) Subject to subsection ( c ), anyconsumer reporting agencymay furnish aconsumer reportunder the following circumstances and no other : ( 2 ) In accordance with the written instructions of theconsumerto whom it relates. This right was not granted and Principal was not contacted, violating principals consumers rights. And a violation of 16 CFR Part 313.1 Purpose and Scope. Also 15 U.S.C 1681 ( a ) Section 2 ExclusionsExcept as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; Synchrony Bank directly violated by reporting non public personal information in regards to transactions and experiences further causing harm to consumer. Synchrony is in direct violation of my consumer rights.

Synchrony refuses to follow consumer rights laws.
Product: Money transfer, virtual currency, or money service

I was purchasing a product from a business or what I thought was a business ant the time by sending payment via Zelle through my XXXX XXXX bank account. Only to find out that they were scamming me out of money and never received the product. I notified my bank XXXX XXXX and they told me there was nothing they could do to help. They provided no further advice or guidance. They never even said to try to reach out directly to Zelle or further try to report the fraud. I lost over XXXX dollars between XXXX due to this.
Product: Checking or savings account

On XX/XX/13 i placed a check from my grandmother in my bank of America account. The check was not verified and they immediately closed account & sent check back & closed the account on suspected fraud. All they had to do was contact my grandmother [ which the next bank i oppened did ] and she would have verified the check was Not fraud and to cash it. This is now why i am unable to open a new account. The check was not fraud a simple call to her would have shown that.
Product: Student loan

When student loan payments started up, they took a payment ( {$330.00} ) without sending me information to set up my new account with Mohela. Not sure how they had my auto debit information transferred over from XXXX because I didn't even have a Mohela account set up. 

I called them to see why my payment jumped so high without warning or documentation, they also had my PSFL pay off date incorrect. The rep stated that they didn't know and advised me to wait as my loan information wasn't even fully loaded in the system. I requested they pause my payments until it was loaded and filled out a new IDR form. They processed my IDR form and I had my first correct payment ( {$76.00} ) processed on XX/XX/XXXX. 

Today I received a new statement in the mail that shows I will owe {$330.00} on XX/XX/XXXX and online it shows my IDR form is back in review. 

I don't understand why it's in review again and why my payment keeps changing. I've gone through all the proper steps and yet I'm still getting incorrect information and new higher payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are many issues that have arose from using this company up to their deceptive advertising not letting you know you are entering in a lease and then once the lease is payed you enter into a loan. To their calling procedures you answer their call and its dead silent for 5 seconds and then hung up and you have no idea who it is. As well there agreements that confuse consumers and are not properly disclosed or discussed. I purchased tires for a total of XXXX on XX/XX/XXXX I didnt receive item till XX/XX/XXXX I entered into a lease agreement well a 90 day buy out option is XXXX plus what I already would have paid if I didnt do the buyout I would have to enter into a loan to purchase the product that was false advertising. I was never provided any disclosures when signing the agreement and when the loan agreement was signed I was never provided my truth in lending act disclosure my privacy act was violated I never gave permission/consent on my lease agreement to report to credit bureaus as the lease and loan are to separate documents I believe many laws have been broken including the FCRA Also they have reported to the credit bureau that I am 120 past due when I fell into a hardship to due to covid and being hospitalized a little while after that and XXXX XXXX as well identity theft I spoke to a gentleman that said make the 150 dollar payment and we will not be reporting to the credit agency we will work with you so I did that and they started debiting my accounts normally bi weekly well to due my identity my bank accounts were accessed and as well as my emails I was forced to freeze my debit accounts and credit reports I tried to let them know when they called but It was a robo caller and just hung up but how can I be 120 days past due if I have been making all my payments except for the times of my hardships.also you cant even see your statements on your portal at all I have provided all the documentation to show them of hardships and after a year and some time they start reporting on my lease that I never consented to or disclosed to. 
A soft credit pull was pulled on my account I was not able to shop around as I was unaware that I was applying for both a lease and a loan with a interest rate of 16 % this reminds me of when I had XXXX XXXX and there practices but worse..I was only in stage 1 ( lease agreement )
Product: Credit card or prepaid card

OnXX/XX/2021, I noticed my credit score decreased by XXXX  points, due to inaccruate reporting by Synchrony Bank. During the pandemic I have been trying to make payment arrangements with credit card companies to preserve my credit as we all try to come out of this worldwide life changing event. Synchrony Bank mislead me when offering a solution to assist with my financial hardship during the pandemic. Under the offered arrangement my credit card account would be closed, the account would show as current and I would have a reduce monthly payment. I was also told I would not have any derogartory reporting to the credit bureaus. Synchrony Bank reported to the credit bureaus I missed a payment within a time frame of 30/60/90 days. I called Synchrony on XX/XX/XXXX for clarity as I have been working to keep current on all my financial obligations as best I can, however aware of the arrangement I entered into with Synchrony I was under the impression I had some time to catch up as the arrangement was presented by Synchrony Bank ; to be designed to help cardholders keep their credit intact, during this difficult financial time we all are experiencing. The supervisor I spoke with at Synchrony stated my account was 3 payments delinquent, then stated my account was 42 days delinquent, & another time during the conversation stated the account was 72 days delinquent. It is evident Synchrony Bank is mismanaging my account and incorrectly reporting damaging information to the credit bureaus, which has/can/will have a lasting effect on my life long after the pandemic is over. This is completely unfair for Synchrony to be inaccurately report to the bureaus during the pandemic or at any time and furthermore to completely disregard the arrangement Synchrony Bank offered its cardholders to assist during the pandemic.
Product: Checking or savings account

I am reopening a complained that filed from here because i have not get any clear answer from Bank of America about my claim. 

Few months ago i have experience charges from a link that i have never use or done business with in the past. I called Bank of America and reported and they started the claim but deny it two times because of not reporting on time and according to the bank i have authorized those charges. 

I disagree with the bank response and wrote them a letter to go over with my claim because i did contact them and if they check they Check the last time i was on the phone with them they were still four transaction that were pending. I told customer service not to release anything because i have not unthorized them but they still release the money. 

I am opening this claim again because they have reopen it after i fax them a letter to explain to me how i authorized the charges and what type of merchandise i bought from them and which address did they use to ship goods and services.