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

In accordance with the Fair Credit Reporting act. 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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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: Checking or savings account

Dear Sir/Madam, My name is XXXX XXXX and I have a terrible experience with Chase recently XXXX By now, I still couldnt get my money back from them. 
I made a big transfer from an external bank to Chase about a month ago. A few days later I saw the transaction completed on my Chase bank account so I started to spend the fund on something else. However, just 2 days later, my Chase account showing the money was returned to my original external account, leading to my bank account as a negative balance! The worst is that almost two weeks later, my external account didnt receive the return at all! When I called Chase, they kept saying this because my external account didnt have sufficient fund. When I initiated the transfer, my external account has almost double of the amount I transferred. Therefore, this is just an excuse for them to explain the disappeared money. I tried to contact them multiple times and every time they told me the same thing, even though one of their colleagues at Chase branch verified my external bank account record and witnessed the sufficient funds when the transfer was made. 
Bottom line here, Chase made my money disappear with an unacceptable excuse. They should be responsible for what they have done and all the loss and consequences because of their sneaky behavior. 
I hope this not a sign for Chase to become another XXXX and I want my money back ASAP! 
Any of your advice and help will be greatly appreciated. 

Sincerely, XXXX XXXX XXXX : XXXX Email : XXXX XXXX
Product: Debt collection

I responded to a XXXX ad claiming to be work with the government and help students with student loan forgiveness. During the conversation she was able to have access to my XXXX XXXX, bank account number and routing and was able to extract my SS # and had my CA Driver 's license no.she she drew up forms with my info saying that they were going to help me and that had to pay XXXX lump sums of money before I could pay a very reduced payment for 120 months. she had me click sign her buttons on the forms to generate a generic signature of my name. I have called my bank to close my account and changed security questions, user id., & password. I 've filed a complaint with the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquires on my Credit Report by Clarity Services has damaged my report. I was not asking for any type of credit. 
XXXX XXXX XXXX XXXX XXXX I have tried to have this removed from my credit report. I also understand now Clarity Services was fined my the Federal Government for misuse of credit Report. I would like them removed from report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

I created a {$51.00} check to be sent to XXXX XXXX through my bank Chime on XX/XX/23, but I realized it would take too long to get to XXXX XXXX. Since the bank is virtual I have no physical checks, the physical check is made and sent by Chime for me. I called into Chime customer support the same day on XX/XX/23 and the support representative said were able to stop sending the check and sent me a confirmation email that the check had been cancelled. However, on XX/XX/23 I received an email from Chime that my check to XXXX had been cancelled. Ive called in and received various emails from support ( all the same irreverent response ). But they have not been able to remedy their mistake. I should not have to lose {$51.00} because of Chimes mistake.
Product: Credit card or prepaid card

This complaint was already file by my husband, an authorized user on this card ( complaint # XXXX ) but it was rejected because he was not the primary cardholder. I am therefore filing it again as the primary holder of this card. 

The payment app/process does NOT allow paying an amount exceeding the balance due ; this results in the consumer paying excessive interest charges. For example in XXXX a consumer has a bill for {$5000.00} and pays only {$3000.00}, in XXXX the consumer has a bill for new charges of XXXX plus the remaining/unpaid XXXX plus interest charges. The interest charges accrue until the balance is XXXX. The consumer is only allowed to enter the current balance by the credit card payment app so before the payment is processed by the credit card company any new charges will be subject to interest charges ( as the balance will remain above XXXX ) ; the processing of payments is controlled by the credit card company resulting in the consumer continuing to pay interest charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have made multiple attempts to reach out to Experian to dispute several accounts that are inaccurate and unverifiable. I've attached the dispute letter which has received no response for over 60 days. Due to this delay and neglect, Experian has failed to follow federal laws as outlined by the FCRA. 

These negative accounts have caused me much personal grief and I have attached my demand to comply letter which has been ignored. I have proof of my letters being delivered on time through USPS certified mail. There is absolutely no excuse that in the last two months Experian has refused to respond. 

I would appreciate your help in resolving this issues and helping Experian comply with the federal laws made to protect consumers such as myself. 

Thank you.
Product: Credit reporting or other personal consumer reports

Payments that were marked late by your company for the following accounts : CAP ONE AUTO Account # XXXX It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me. Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15. You have 30 days from the date that you receive this letter to provide me with the information that I am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would timefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, XXXX XXXX XXXX or all that apply ) and update the accounts to positive. Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive. Regards, XXXX XXXX XXXX
Product: Student loan

I, as a federally protected consumer, have reached out to Discover Student Loans via certified mail requesting information in which I have yet to receive neither a response nor the information in which I requested. The certified mail is posted as received on XX/XX/20XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

toyota is erroneously showing a charge off balance on my XXXX credit report starting onXX/XX/XXXX. This account was closed back in XXXX when I had to claim the {$8700.00} on my income tax as income written off and closed. My FICO score dropped for no reason. My current address should be listed as XXXX XXXX   XXXX. I have been a homw owner at the address sincen XX/XX/XXXX. I havent lived at XXXX XXXX XXXX since XX/XX/XXXX. This needs to be corrected in experians credir report. Toyota and XXXX not be resurfacing old debts from the dead. I have leased a XXXX XXXX XXXX since XX/XX/XXXX with an excellent payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, MA XXXX XX/XX/2021 Dear Experian, RE : REQUEST FOR INDEPENDENT INVESTIGATION and/or REMOVAL Remove the following accuracies found on my credit report : Remove ACCEPTANCE NOW a.k.a. ACCEPTANCENOW, Account XXXX as I have never been sent proper validation as required by law after several requests within my rights. 
On numerous occasions I have requested : The description of the procedure used to determine the accuracy and completeness of the information has never been reported to me even after numerous disputes and requests. 
Name, address, and telephone number of each person contacted regarding this alleged account was never reported to me even after numerous disputes and requests. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed was never reported to me even after numerous disputes and requests. 
I have lost XXXX business deals worth XXXX figures and have not been able to get a vehicle to transport my children and to run my business. 
Experian, your defamation when representing me to creditors is hurting me and costing me money which I am researching how to legally recoup. 
I have NEVER RECEIVED ANY PROOF OF VALIDATION FOR THIS DEBT WHICH I HAVE REQUESTED MULTIPLES TIMES XXXX 2021 AND HAVE DOCUMENTED WITH THE CFPB, FTC XXXX XXXX OF MA. 
Experian you are violating Section XXXX ( a ) ( XXXX ) and Section XXXX ( XXXX ) of the Fair Credit Reporting Act | Duties of Furnishers of Information ( XXXX XXXX XXXX ). 
NO E-OSCAR VALIDATION/INVESTIGATION ACCEPTABLE. 
How can you verify inaccurate information and without any proof? 
Please send me a new report, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A month ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly correct or delete these items 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 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, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX Account # XXXX ( XXXX ), XXXX XXXX XXXX Account # XXXX ( XXXX, XXXX, Transunion ), XXXX XXXX XXXX XXXX  Account # XXXX ( XXXX  ), XXXX Account # XXXX ( XXXX, XXXX, Transunion ), XXXX XXXX XXXX Account # XXXX ( XXXX, XXXX, Transunion ), XXXX XXXX XXXX Account # XXXX ( XXXX, XXXX, Transunion ), XXXX Account # XXXX ( XXXX, Transunion, XXXX ), XXXX XXXX XXXX XXXX XXXX Account # XXXX ( XXXX  and Transunion ),  XXXX XXXX XXXX XXXX  Account # XXXX ( XXXX and Transunion ), XXXX XXXX XXXX Account # XXXX ( XXXX, Transunion ), XXXX XXXX XXXX  Account # XXXX ( transunion ), XXXX XXXX Account # XXXX ( XXXX, XXXX transunion ).
Product: Credit reporting or other personal consumer reports

XXXX has lost their minds, they are deliberately reducing my score, when I pay on my accounts they take off XXXX points, I have great paying on time history, jhad a score of XXXX 4 months ago, now they have keep going down and down for no good reason, other than to make me have to pay a higher interest rate, this needs to be investigated as fraudly activity
Product: Credit reporting or other personal consumer reports

I recently submitted a letter regarding the inaccuracies and unfamiliar items on my credit report, but it's now been over 30 days, and I haven't received any response. This lack of action is really concerning. According to Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), youre required to investigate disputed items within 30 days, and if you don't, those items must be removed from my report.

Since it's been more than 30 days, I expect my credit report to be updated immediately, reflecting the removal of the disputed accounts. If this isn't resolved quickly, Ill have no choice but to consider legal action, as this ongoing delay has caused me considerable stress. 

Additionally, I was affected by the Equifax, XXXX, and XXXX data breaches, which makes me even more worried about how my personal information is being handled.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has been using my information illegally and incurred many charges fraudulently on my behalf without my permission. This has destroyed my credit profile and my credit rating. I have notified the credit bureaus multiple times and they do very little to help. I have placed fraud alerts and somehow these people have managed to steal my info. I need your professional help in fixing this. Please tell me what to do or how we can fix this so I can have my credit back to normal.Thank you in advance.
Product: Credit card or prepaid card

We have a Barclays Bank AAAdvantage Credit card. Our monthly payment is due on the XXXX of the month. This past week I received our regular email notice of a payment coming due. The email stated this, " Your AAdvantage Aviator Silver World Elite Mastercard account payment is due on XX/XX/XXXX. 

To avoid being charged any late fees or additional interest, your payment must be received by XXXX XXXX   ET on XX/XX/XXXX. 

I doubled check my bill and it is due on XX/XX/XXXX. I contacted the customer service department and was told yes my payment is due on the XXXX. 

My complaint is, why did Barclays wrongly threaten me with fees and interests payments, do they do this every month to everyone?
Product: Vehicle loan or lease

Adverse claim of Tittle of Estate mailed certified letter ( as I have copies of ) Misrepresented Instruments- Bills of Attainder/ Foreign Bills of Exchange titled Billing Statement dated XX/XX/XXXX and XXXX XX/XX/XXXX for {$1000.00} Notice of Default for not responding within the 15 days of the notice
Product: Credit reporting or other personal consumer reports

Equifax refuses to respond to the statement in my letter that includes consumer law! They have ignored the laws that govern them and have not given any explanation or rebuttal against my findings. 

I need the CFPB to hold Equifax accountable for their negligence! I have accounts and inquiries that are not supposed to be on my credit report and they need to comply with the laws that govern them as stipulated in MY LETTER! 

Otherwise I will have no choice but to involve court!
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against EQUIFAX regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is incorrectly listed on my credit report. I request that my name be updated to reflect the correct information. 

XXXX. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Florida XXXX, while my credit report shows an outdated address. I request that my current address be updated accordingly. 





Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 
A copy of my phone bill or any official document that displays my correct phone number.
Product: Mortgage

I have been working with Green Tree Debt Collectors about my mortgage payments. I agreed to receive phone calls on my cell phone and at work to talk with them, but the representative 's behavior this afternoon on the phone was rude, abusive, and inconsiderate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted credit bureau about 30 days or more late payments on my accounts I was told that the information is correct. 
I contacted XXXX XXXX they have stated that there is no late payments
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Checking or savings account

XXXX spoke with Bank of America and I told them that maybe there is glitch in the system. My money is showing different and there is miscalculations about what needs to be given. I spoke with a Bank of America representative and then a fraud XXXX. The rep hanged up on me when I tried explaining. I told the XXXX about it and she explained that the money I sent before processed after and the one that my husband sent after I sent was processed first. I told her I did not understand and that where was the XXXX dollars then? And she could not explain that to me she kept saying the same thing.
Product: Debt collection

I found Midland Credit Management reporting on my credit report and disputed it as unrecognized. The Credit Agencies reported back on the dispute as correct per Midland. They told me to call Midland directly at the number listed on credit report ( see attached item # 1 ). Midland told me they can not speak to me, as they no longer have the file. They had me log in their website and showed me the phone number for XXXX XXXX and said to call them, they have no information on the debt anymore and are not permitted to speak with me about it. I haver called XXXX XXXX several times over the course of four weeks and only am placed on hold after pressing prompts. I wait 20 minutes or more and no one ever answers the phone. I call XXXX XXXX the original Creditor, and told them the above. XXXX XXXX states that their records show they charged it off and sold it to Midland Credit Management., to call them again. I called Midland again and asked for a supervisor and explained why. She apologized but said she can not tell me anything, but she would send an email to XXXX XXXX asking them to call my cell number ( which I provided.to her ). I can not understand how they can claim they own the debt on my credit report and verify its info with the credit reporting agencies, but tell me they have no information on file anymore and they have no jurisdiction to speak with me about it anymore. How can they then verify they own it and corroborate its accuracy on my credit report when it was recently disputed? I am trying to get validation of this debt, but the supposed " owners '' of the debt refuse to tal to me and refer me to another party who will not answer there phones. I can show phone records of my attempted multiple calls and wait times. This should not be legal and it appears they can not validate the debt since they can not speak about it,. Secondly, this XXXX XXXX has never sent me any communications as required nor has either party allowed me to validate the debt, including the supposed owners of it!
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for weeks but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Product: Debt collection

I reported this to the FTC and to the Police. This debt was a result of FRAUD and identity theft. This company continues to harass me.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days late as of XXXX2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.