23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I became in contact with th fraud Dept of TOTAL CARD VISA, becoming aware of various charges from a company named XXXX that I had never heard of. The rep told me that this company was well versed in fraud and the fraud dept deal with them often so I was not to worry. I needed to contact XXXX and ask for money, ( which I did and they all but laughed at me saying its your cc companies job we dont give money back to people. ), then I was to and fill out and return an affidavit to total visa so it could be fixed. Which was all completed ( by XX/XX/2018 ) before I had a few ( 3 ) month stintt in hospital. For whatever reason I found out today that the afadavit was not what total wanted and I needed to fill a new one out, and this new one was sent to me while I was in hospital in XXXX. I also emailed cc company I firming them of my status. When I called today asking why I was never given any credit or reversals for the fraud I was informed of new affidavit and that I could t do anything now bc 60 days had passed .... but I did it within week first time and they want new after I inform them of my situation and following deadline to make this tight passes while Im hospitalized? It almost feels like their is major collusion here especially whe. Everyone st the cc co knows this XXXX company is a huge scam artist of a company. All charges attempted by this XXXX company happened in the same day. Also I did not and have not used this Acct since bc they cancelled card and I was waiting to endure no more fraud remained. Company charged me {$38.00} late fees and an annual fee of {$48.00} even with knowledge of balance. What dequd related and after I made payments and stats intention to have cars frozen so it would not accrue charged and would give me chance to pay off. 

These are the transactions from XXXX. 
XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX   ONLINE NY XXXX XX/XX/2018 XXXX ONLINE NY XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX   XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I wrote all 3 credit bureau a letter and mailed it cerified to stating I would like the bankrupcty that is being reported by them to be VALIDATED and all I recieved back are letters or updates that state item verified. They have not stated who VALIDATED and how it was VALIDATED. I wrote a letter to the UNITED STATES BANKRUPCY COURTS who replied back with a letter that states that the courts do not VALIDATE OR REPORT any Bankrupcies or share information with any credit bureau ever .... Futhermore after careful inspection of all 3 credit reports from EXPERIAN XXXX, XXXX and writing more letters to the 3 credit bureaus I keep getting the same old answer verified and remains till 202. All 3 credit bureau EXPERIAN, XXXX, XXXX  are reporting a bankrupcy with file # XXXX.which if VALIDATED they would know its wrong missing a number and letters from the case number. I then contacted my lawyer who further stated that the number being used is incorrect and that it all 3 bureau need to delete this inaccurate information from my credit report ASAP as they are in violation of FCRA 623 ( A ) ( 5 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent the credit bureau 's letters asking them to verify the debt on my report. They have sent it back that everything is verified correctly. My credit report is still showing inaccuracies.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 consciously avoids knowing that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Improper use of my report. Shared without consent, credit inquiries from unknown sources. I want the CFPB to : In accordance with the fair credit reporting act XXXX  Account # XXXX, has violated my rights, 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2, It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B, A creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for not purpose. 
XXXX XXXX XXXX
Product: Debt collection

I have a debt collection submitted on my credit report by AVANTE USA, that should not be in collections or submitted to my credit report because it was a medical bill that was covered by my insurance in which I have had for years and still have. I can provide my insurance information and the visit information if needed. I would like it removed. I also did not receive anything in the mail about this debt collection, and have not heard anything in regards to a dispute
Product: Credit card

We have an American Express Platinum card. We tried to make a payment, but due to an error with XXXX XXXX XXXXXXXX, the payment was returned. My partner, who is the primary card holder, called American Express and a customer service representative told him to resubmit the payment and that no charges or fees will be deducted. The information provided by the customer service representative was incorrect, as American Express retries declined payments up to 3 times. This led to a lot of wasted time, and 2 charges for returned payments of $ XXXX. American Express claims to record their conversations with clients, however, they are unwilling to cooperate and listen to the recordings or be responsible for the faulty advice their employee gave. We are being charged {$58.00} due to their negligence, lack of training, and unclear procedures that even their own employees don't understand.
Product: Credit reporting

I am disputing the inaccurate information the Chex-Systems has on my credit report. I initially submitted a police report on XXXX/XXXX/16 and Chex Systems only deleted the items that I mentioned in the letter and not all the items that were actually listed on the police report. In other words they wanted me to say word for word to them what items were fraudulent. The total disregard of the police report and what accounts that it states that are fraudulent. If they just had paid a little closer attention to the police report I would not been in this position now and they would n't have to research once again. I would like the reported information to be removed : XXXX XXXX XXXX
Product: Mortgage

Since you closed the complaint no : XXXX, I want to bring to your attention further fraud by royal united. In their response they said that we applied for loan on XX/XX/XXXX, and gave them permission to charge appraisal on XX/XX/XXXX. Infact, XXXX XXXX, their agent called us almost at XXXX  to get our credit card details, we were exhausted and half asleep. We asked him why does he need the credit card so soon, we don't even have a proper response from the seller not even an inspection date. He said it's just for record and will be charged only 10 business after inspection with the consent of buyer and seller and only if the inspection report is satisfactory. Infact, even our broker asked us why is your mortgage company taking your credit card details for appraisal prematurely we haven't even heard from the seller about final inspection date, then we informed her that XXXX said he won't process our loan without the credit card, it's just for deposit. We didn't give him permission to charge our card one day after loan application. Why will we apply for loan on XX/XX/XXXX and ask to charge on XX/XX/XXXX? They also agreed that appraisal was supposed to take place on XX/XX/XXXX with our consent. Then how and why did they charge us on XX/XX/XXXX without an inspection report and without consent from seller and buyer. Firstly, how and when did appraisal company go to the sellers house without sellers permission from XXXX  until XXXX XXXX to have the report ready to charge us by morning XXXX XX/XX/XXXX considering we only applied for loan on XX/XX/XXXX. Also, they agreed that the report of the house is not satisfactory then why did they fraudulently charge us and continue to misrepresent and misguide us. Why did he call around XXXX asking us to provide credit card details under the pretext of it being a valid loan process? They also contended that we don't respond, well we have tried calling them over 30 times, they ignored us. Have taken our money and left us stranded. They continue to harass and frustrate us to the point where we've lost trust in the system. I hope you can atleast recognize their fraudulent behavior and direct us towards the right path against such scammers. Thank you. Find attached, date of charge and outgoing call list
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report. I noticed my account was not reporting accurately. It shows that I had XXXX late payments that was in fact paid on time. The creditor reporting need to report all information with complete accuracy. My account have not been late on an payments. Ive attached a copy of my report to this complaint on the following dates XX/XX/year>. I am now requesting more investigation on this matter and verifiable proof with records showing that I had late payments. If this information can not be verified please update payment history to paid on time. Thank you for your understanding and prompt action.
Product: Payday loan

I have been receiving harassing phone call reguarding filing a law suite against me for a PAYDAY LOAN. EVERY YEAR AROUND THIS TIME I START TO GET PHONE CALL THAT EVENTUALLY STOP. THIS YEAR THE PHONE CALL HAVE STARTED AGAIN AND HAS ESCULATED TO CALLING MY JOB WHICH I ASKED THEM TO NOT CALL MY JOB AND REMOVE MY NUMBER FROM THEIR REGISTER. I received a phone call at home from Compliant management solutions ref # XXXX at XXXX they caught me off guard and I gave them my debit card number to pay {$50.00} and they want to set up payment for XXXX/mo for 6 months. I went to the bank XXXX/XXXX/XXXX and cancelled that bank card because I realized that they were trying to scam me and I never took out a payday loan but once in XXXX for {$300.00} that I paid {$550.00} on XXXX XXXX XXXX to the attention of XXXX XXXX and XXXX XXXX who stated he was an attorney at XXXX after I had already paid the loan back through direct debit from my account. Since then I keep getting these same phone calls every year. 
XXXX XXXX XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have occurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFBP findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

CRDMGMCOMP ( XXXX XXXX XXXX XXXX XXXX ). THIS IS NOT MY DEBT
Product: Credit card or prepaid card

Called the company on XX/XX/2020 to reduce the interest rate ( 16.99 % ) after the Federal Reserve cut their rate a full basis point to 0 % I was told that the bank was unwilling and unable to reduce the interest rate on the card which left me confused since I have a mortgage and other credit cards with single digit interest rates.
Product: Money transfer, virtual currency, or money service

I tried to send my crypto through the Robinhood app and I get restricted due to their policy and put my money on hold.
Product: Vehicle loan or lease

Every month since the loan inception, at my time of payment every month I have attempted to pay additional principle payments on my loan. When you attempt to pay extra or when you attempt to pay any late fees incurred the system only allows you to pay the standard payment. Any attempt to differ the payment amount is met with an error that returns you to the payment page. The only way to complete the payment is to pay a normal payment of the exact monthly payment amount. The company has actively stopped me from paying off my loan early and I have also incurred late fees that I am unable to pay. When you try to call the company you are placed on hold for hours only to ultimately have the call time out. I have documented this problem with screen shots and video evidence of the problem. This is likely happening to everyone customer they have in an ongoing scheme to keep consumers in high interest loans as long as possible. This has left me in a situation where I can't refinance and can't pay down my loan quicker in an effort to increase my chances of a successful refinance. This has damaged me financially and has affected my ability to raise my credit score. Had this not occurred I would likely have made the equivalent of 3-4 full payments as principle on the account and would have avoided XXXX  late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested Experian to investigate the inaccuracy of account XXXX XXXX XXXX. The XXXX XXXX account is reporting inaccurate account information the last payment date and the date the account closed date are not shown. The date the account opened states XX/XX/XXXX. The consumer statement is not accurate I did not make a statement. The last date of activity is XX/XX/XXXX. It has been over seven years of credit reporting. Experian only reports the date opened. XXXX XXXX is the original creditor and did not sell or transfer the account. I can continue with the validation process however, this issue can be resolve by deleting this inaccurate trade line due to the only date of activity shown is XX/XX/XXXX and that date has past the legal reporting time.
Product: Debt collection

Harpeth Financial moved to garnish my wages without me ever having a loan with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Name : 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported to XXXX XXXX about this auto loan that was fraudulent put in my name through a family member without my authorization.. I want to know how I was able to get a car loan making only 15 hours a week! This account is fraudulent and need to be remove from my account Im attaching the work number data for my hours I worked at XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not sure of dates but the amounts are ridiculous and the hard and soft credit inquiries arent accurate either.
Product: Mortgage

We were XXXX in XXXX, XXXX until XXXX. We then XXXX transfer to XXXX XXXX, XXXX and decided to leave our family in XXXX so our daughter could complete her final year in high school. We then rented our house out as we were unable to sell it after being vacant for 6 months. We lost the renters in XXXX XXXX. We began working with XXXX XXXX XXXX in XXXX to obtain a work out because we were upside down with the mortgage, behind in payments due to my wife 's medical issues, and unable to rent the house for enough to cover the mortgage. XXXX then sold the mortgage to Select Portfolio Servicing ( SPS ) but did not transfer the work out request to them in XXXX XXXX. We have now been dealing with SPS since XXXX XXXX with no resolution. They continue to ask us for the same paperwork that we have already sent them and this is confirmed with their agents that they do in fact have the requested documents. Despite these confirmations they continue to ask for documents that their agents have assured us they have thus dealing the decision and forcing us to accrue late charges and interest.
Product: Credit reporting or other personal consumer reports

XXXX, Equifax, and XXXX are violating my federally protected consumer rights. They've included inaccurate information on my consumer reportspecifically, two alleged accounts from XXXX XXXX XXXX XXXX without valid account numbers, negatively impacting my reputation. These accounts must be removed as they do not adhere to the reporting accuracy required by law ( 15 USC 1681e ( b ) ). 

Additionally, the agencies failed to provide a clear opt-out form as mandated by 12 C.F.R. 1016.7a. Despite my explicit request to opt out and revoke consent, if they persist in furnishing this data, it violates 15 U.S.C 1681b ( a ) 2. 

Moreover, the reported information directly violates 15 U.S.C 1681 a ( d ) ( 2 ) ( A ) ( i ) as it pertains to transactions and experiences between me and the reporting entity. This constitutes a direct breach.

The inclusion of adverse information, as outlined in 15 U.S.C 1681c ( a ), particularly line 5, violates the statute, specifically 1681c ( a ) ( 5 ). Clearly, this information should not be posted. 

It's evident that XXXX, Equifax, and XXXX have violated multiple federally protected rights by including this information in my consumer report. According to 15 U.S.C 1681n ( a ) ( 1 ), they are liable for compensation of {$1000.00} per violation, amounting to several XXXX dollars for this breach. 

If these accounts remain on my credit score I will be taking further legal action and protecting my consumer rights. 

The XXXX XXXX XXXX XXXX XXXX Accounts XXXX XXXX XXXX  Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, my Chime debit card was stolen out of my vehicle and used to withdraw {$400.00} from a ATM. I called chime immediately to cancel the card and to send a new one. I filed a dispute on XX/XX/XXXX, on XX/XX/XXXX my dispute was denied for the first time. I called chime they said I needed to file a police report, so on XX/XX/XXXX I obtained a police report. I called chime again, uploaded all of my supporting documents that I have to show that the withdrawal was definitely not me. Which was a police report, a written statement and I also showed where I was literally at work clocked in while this transaction happened. I have called chime and rebottled my dispute XXXX times, and it has been denied every time with Chime saying the same exact thing every time. I even spoke to a Supervisor of Chime this last time, he said he was confident that I should get my money back and he wasn't sure why I was being denied. BUT, I just got another email stating that I was denied once again for the sixth time.
Product: Debt collection

Debt collectors of what sounds to be 'XXXX ' continuously call my phone number for a XXXX XXXX , I am XXXX, with a personal phone, they 've called me numerous times, and have put me on the no call list XXXX times, for 3 years, after a year they keep calling my phone.
Product: Debt collection

On XX/XX/year> I sent certified letters to the credit bureaus the creditor. Requesting to receive the information that was sent to me that they were reporting the account as a charge off and that they will continue to report this account as late every month they did not do that .I did not get a chance to dispute any inaccucies on the account. The monthly late fees showing on a charged off account is currently damaging my credit report and my buying power as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and I have accounts on my profile that are hurting my credit profile. I am requesting physical verification of these accounts. I am requesting physical verification of the original signed consumer contract. 

According to the Fair Credit Reporting Act 609 ( a ) ( 1 ) ( A ), you are required by Federal law to verfiy through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting service could fax, mail or email in a fradulent account. 

I demand that the following accounts be verified or removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavors 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. 
XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX AT XXXX XXXX ) XXXX Balance : {$5000.00} XXXX  XXXX XXXX Balance : {$770.00} XXXX XX/XX/2021 XXXX XX/XX/2021
Product: Credit reporting

I have disputed wrong information on my report since XXXX/XXXX/2016 and I have not receive any dispute letters from Experian.
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX, and I am writing this statement on my own behalf. Per the FCRA, the below accounts should not be furnished on my report. These reports are in VIOLATION of 15 U.S. code 1681-B : the permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer reports under the following circumstances and no other : ( 2 ) IN accordance with the WRITTEN instruction of the consumer to whom it relates. I NEVER GAVE this consumer this consumer my instruction or written consent to report anything on my report, which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. I am demanding removal of the following accounts and 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
Product: Debt collection

Debt Validation Request I am writing in response to your recent communication regarding an alleged debt you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of this debt. I am exercising my rights to ensure that I have complete and accurate information about this debt before making any decisions.

Please provide the following information : 1. The original creditors name and address.

2. The account number and the amount of the alleged debt, including a detailed itemization of any fees, interest, or charges added.

3. Documentation showing that you are legally authorized to collect this debt.

4. Proof that the debt is not beyond the statute of limitations.

5. Copies of any contracts, agreements, or records bearing my signature that substantiate the legitimacy of this debt.

Pursuant to 15 U.S.C. 1692g ( b ), I request that all collection activities cease until you provide the requested validation. Additionally, any reporting of this debt to credit reporting agencies should be suspended until the debt is verified.

I also request that all future communications regarding this matter be made in writing to the address listed above.

Please note that this letter is not an acknowledgment of the debt, nor is it a refusal to pay. I am simply requesting validation of the debt as allowed by law.

Thank you for your prompt attention to this matter. I look forward to receiving your response. 

Sincerely, XXXX XXXX