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 account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXXXX has violated my rights. Or a list of Inquiries : 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 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 or 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 card

A hard pull on my Equifax credit report from bank I already have XXXX credit cards with XXXX. I have not applied for any loan, new credit card or credit line increase in nearly 18 months. I suspect identity theft or credit card fraud. I disputed it with Equifax on line and received a response that the hard pull was fact. Sent letter to XXXX about dispute on XXXX XXXX, 2016 have n't heard back. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX SD XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute an unauthorized account that appears on my credit report under XXXX XXXX XXXX. This account was opened on XX/XX/2023, for the amount of {$250.00}. I did not authorize this loan, and I am requesting that it be removed from my credit report immediately. 

I became aware of this unauthorized account while reviewing my credit report. I promptly contacted XXXX XXXX XXXX to inform them of the fraudulent account and to request that it be closed and removed from my credit history. I have also taken the necessary steps to protect my identity, including placing a fraud alert on my credit file with the major credit reporting agencies. 

Despite these actions, the account remains on my credit report, which is negatively affecting my XXXX XXXX and overall financial well-being. I kindly request that this account be investigated and removed as it was not authorized by me. 

Thank you for your prompt attention to this matter.
Product: Credit card or prepaid card

XX/XX/22 & XX/XX/22 {$18.00} x 2 i talked to XXXX XXXX on XX/XX/22 they told me to contact way to go card to resolve the issue of me being charged double for the transaction so i called the disput department they put me threw to level 2 disput department when they couldnt resolve the issue i waited on hold for n hour then some1 spoke with me briefly before sending me through to the correct department they stated n no sooner then the next person picking up the phone 48 minutes later i informed them off the issue n they hung up on me n it was a process to even get the correct number to call for them i had to look up get human for the go program n yet 1 of the charges are still pending after all this time
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 i have settled two account s with XXXX XXXX  a collection company for XXXX XXXX XXXX. Both accounts were settled in full. I have provided copies to the credit reporting companies and XXXX XXXX XXXX and today i called XXXX and spoke to XXXX ID XXXX and she advised me that she could not do anything for me because that department did not have a direct number and that she could not advice me that if they had received the settled paid documents that I mailed to them because the only way it would be to restart another dispute. I have contacted XXXX   today and the advised me that conns has responded to my dispute and they claim that the account is still open. I told her that i have provided copies of the paid out letters and she claimed that they could not use them that was was important was what the creditor responded. I have done all they ask me to do and they can verify the account with their collection company,
Product: Credit card or prepaid card

I set up autopay on a Barclay 's credit card in XX/XX/2023. Barclay did not process the payments because my bank could not locate their bank account. They finally sent me a letter about this problem on XX/XX/2023, after reporting my account delinquent to the credit bureaus and lowering my credit limit.
Product: Checking or savings account

Chase Bank is discriminating against consumers impacted by covid-19 intentionally and knowing committing desperate treatment. 

I filed a CFPB complaint ( XXXX ) regarding issues getting XXXX  fees refunded, which they are voluntarily offering back if you called to request a refund. While I eventually had the fees refunded, due to my own legwork and hours spent on the phone, I received Chases response to the complaint stating they may not refund future fees. 

I called Chases rep at their corporate office, XXXX XXXX XXXX XXXX ) who had previously reached out to introduce himself as the person managing the case, to clarify who told me the legal opinion of the Chase legal team was they refunded more fees than average and would not refund future fees related to covid-19. I stated to XXXX a global pandemic is anything but normal and if they are refunding fees for some customers but not all, that is not policy uniformly applied to consumers and intentionally causing financial harm to consumers more adversely impacted. 

As it stands today, any other chase consumer is entitled to receive a refund and now I am being told I am not entitled to the same benefit. 

XXXX also states they have the ability to change their policy at any time, even every day, without notifying consumers which I find hard to understand how as a consumer is fair if I do not know what the fee or policy will be on any given day.
Product: Debt collection

This law firm has harassed me about a debt that has not been validated by any means. They have failed to show me the original contract that I signed in ink. An electronic signature, bank statements, or anything that does not show the original agreement between XXXX XXXX and BLITT AND GAINES or XXXX XXXX XXXXXXXX XXXX This is fraud on their behalf. They are acting on the behalf of a dead corporate entity ( XXXX XXXX ). I am still receiving harassing letters by BLITT AND GAINES saying I owe the alleged amount. I owe nothing because I am the original creditor.
Product: Credit card or prepaid card

Us bank credit cards charge a late fee when you make a payment after XXXX. I live in the pacific time and it is not fair for them to charge a late fee to people living in the pacific time. we should at least be granted more time as it if were until XXXX instead of eastern time. It is not fair and government should do something about this time malpractice. Why hasnt anyone looked into this problem.
Product: Bank account or service

Here is the letter i sent it to the bank through a lawyer : VIA FACSIMILE AND U.S. MAIL Fax No. : XXXX Capital One Attn. : Card Dispute Team XXXX. XXXX XXXX XXXX. XXXX, MN XXXX Re : XXXX XXXX Transactions Reversal Demand Bank Account No. : XXXX Our File No. : XXXX To Whom It May Concern : Please be advised that we have consulted with XXXX XXXX XXXX regarding his claim on the above referenced account. 

XXXX XXXX has informed us that he received a summary denial from your representative on the disputed transactions listed below. Those transactions were not XXXX XXXX 's as his card was compromised. XXXX XXXX has authorized this law firm to demand that your entity follow the appropriate MasterCard and FDIC guidelines in investigating these disputed transactions. More importantly, XXXX XXXX demands for immediate retroactive credits for these charges. 

XX/XX/2016 - {$37.00} - XXXX XX/XX/2016 - {$190.00} - XXXX XXXX XXXX XX/XX/2016 - {$20.00} - XXXX XXXX XXXX XXXX XX/XX/XXXX - {$79.00} - XXXX XXXX XXXX XX/XX/2016 - {$20.00} - XXXX XXXX XX/XX/2016 - {$43.00} - XXXX XX/XX/2016 - {$260.00} - XXXX XXXX XXXX XX/XX/2016 - {$100.00} - XXXX XXXX XXXX Unless you dispute the validity of this claim or any portion thereof within ten ( 10 ) days after receiving this notice, the claim will be assumed valid. 
Please be further advised that if your obligation remains in default, without a dispute, further legal action may be taken against you that could result in a judgment, which may include attorney fees and other litigation costs. 

Please notify the undersigned in writing if you so dispute this claim. Otherwise, demand is hereby made that you immediately issue the credit as detailed above. 

Your anticipated cooperation is appreciated. 

Very truly yours, XXXX XXXX XXXX By XXXX XXXX XXXX
Product: Credit card

I received an offer from American Express for a new credit card offering cash back after spending XXXX and 0 % interest. I applied and received the credit card. I spent the money as detailed in the offer and received the cash back. American Express then changed the terms of interest and have been charging 24.9 % on the credit card balance. I did n't realize they had been charging me interest because my statements are electronic and I make the payments automatically. That is a dishonest practice and needs to be stopped.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I applied for a credit card and I was denied because of a credit score which is prohibited 15 U.S.C 1691
Product: Credit card or prepaid card

Received a NetSpend ACE FlareAccount debit card that I did not request and do not want. Called customer service and was advised that Netspend opened the account as a promotion without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intent to my personal credit report. I am frustrated because the inaccurate items are still reported on my personal credit report which is not clearly stated as the accuracy and verification of the information. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please fix the accounts : XXXX XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Product: Student loan

XXXX   XXXX   , 2017,   I  contacted the   XXXX   XXXX   XXXX  . It was explained to me that my employer met the criteria for me to have my student loans forgiven after 10 years of on time payments. I scheduled to have the  XXXX  time  XXXX  $ fee broken up into different installments, and anticipated  XXXX  $ a month payments for 10 years, based upon my income. Unbeknownst to me o n  XX/XX/XXXX  I  was alerted via e-mail that I had to fill out an 'Employment Verification Form '. I had my employer fill it out and fax it TWICE, only to have Fedloan servicing or "   XXXX   XXXX   XXXX   '' as they also go by, tell me they should scan it and send it in an email. It was around this time that my lender,  XXXX  contacted me and let me know that in   XX/XX/XXXX  I   w ould have a payment come due with them. This was very peculiar and I started to think I had fallen victim to a scam. Why would I pay both them and  XXXX ? I asked. With no good answer I confronted the billing department and I told them that I did not think this was legitimate and they said if I did n't pay like I said, that they would report negative on my credit report. I will be reporting FedLoan servicing to the Better Business Bureau as well. Also I would like to note that  XXXX  had this company 's, ( Fedloan exchange ), California address on my student loan account along with my Idaho address. I never signed the 'Certification of Identity & Authentication to Disclose Personal Information '' Form, so Navient should not have any of FedLoan 's contact information. Also I received a letter that my employer was not eligible for the 10 year forgiveness program, which was the entire reason that I signed up. I managed to only pay  XXXX  $ before I realized the scam, and that has been recovered due to filing a claim with  my Credit Union.
Product: Credit card or prepaid card

On XX/XX/2021 I applied for and was approved for a balance transfer offer through Citicards. I requested to transfer the entire amount of my current XXXX XXXX card balance in the amount of {$1200.00}. I received the card in the mail and set up my online account, and saw the correct balance reflected on my card on XX/XX/2021. 

However, I also checked my XXXX XXXX card and noticed that the balance was not paid off. I spoke with XXXX XXXX and was told that they had not yet received the payment from Citi. According to them, the account number that was provided for the XXXX XXXX account was not mine. I do not know how this could be, as I only hold 1 XXXX XXXX credit card. 

I spoke with customer service representatives from Citi multiple times over the last month, and this issue has still not been resolved. The first person that I spoke with told me that an investigation would take 14 days. When I spoke with Citi on Monday, the representative told me that it could take a maximum of 90 days. In the meantime, I am currently expected to pay both XXXX XXXX and my current Citi card ( including the balance transfer fee ) which both hold the same funds from my transfer. 

I would like this issue escalated so that there can be a resolution.
Product: Debt collection

The company is reporting an outstanding balance in collection for a debt which I paid in full, or perhaps overpaid, through a Chapter XXXX bankruptcy. 

I disputed the information inaccurately reported on my XXXX credit report, but the collection agency refused to correct it.
Product: Checking or savings account

I filed a dispute with Chime regarding multiple unauthorized transactions on my account XX/XX/year> in the amount of {$840.00}. Less than XXXX hours later Chime reached out to me stating the investigation into my dispute claim is complete and they found that no error occurred and deemed the investigation closed. Upon hearing this, I filed a rebuttal and asked that they re-investigate my dispute claim and I informed them I would be submitting new information in the following days, however before I was given ample time to submit my new information they reached out to me stating they finished their re-investigation and once again determined no error occurred.
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 's # XXXX, XXXX XXXX : # XXXX, XXXX XXXX Systems # 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 Bankruptcy # REF : 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: Debt collection

The debt collection agency that represents GM Financial calls me 2-3 times a day. The agent speaks so quickly that I can not make out the details of her Agent ID # or telephone number in the voicemail. When I call the collection office, they tell me they have no record of my telephone number even though I receive 2-3 calls a day. 

I have never bought or leased an automobile with GM Financial. I have spoken with two agents at the collections office ; however, neither were able to tell me why I am receiving collection calls from GM Financial. I would like to remedy this situation to see if it is a fraudulent account, but I am receiving no assistance from the office contacting me.
Product: Money transfer, virtual currency, or money service

I engaged with WorldRemit to transfer {$1300.00} to a specific bank account in XXXX ... XXXX Account # XXXX WorldRemit did not transfer the funds as agreed into the account that was agreed upon. WorldRemit says the money was paid into a different account that the recipient does not know about and can not access. 
Now Worldremit is refusing to return the misplaced funds.
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 XXXX XXXX : # XXXX, XXXX XXXX : XXXX XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX AND 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: Credit reporting or other personal consumer reports

Dear Experian Dispute Department, I am writing to formally dispute an inaccurate late payment Experian is reporting on my credit file by XXXX XXXX XXXX XXXX for XX/XX/year>, Acct : XXXX. Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that all information on my credit report is accurate, and this late payment does not meet that standard. 
Specifically, the report inaccurately reflects that I was late on my XXXX XXXX account in XX/XX/year>. However, I have verified this information with both XXXX and XXXX, which accurately report this account as " Current/Never Late '' for the same time period. I have attached a screenshot of my XXXX credit report as evidence, clearly showing that I was never late in XX/XX/year>. 
It is not possible for me to be reported as both late and current at the same time. This conflicting information highlights a clear inaccuracy in your records. Furthermore, this false late payment entry is negatively impacting my credit score, and I am concerned about the effect it could have on my ability to secure a new employment opportunity. 
In accordance with the FCRA, I demand that Experian conduct a thorough investigation of this disputed information, immediately delete the inaccurate late payment, and update my account status to " Paid as Agreed. '' I further request that you provide me with an updated copy of my credit report reflecting this correction. 
Please note that I have attached the following documents to support my claim : A screenshot of my XXXX credit report showing " Current/Never Late '' for XX/XX/year>. 
Documentation demonstrating my consistent payment history with XXXX XXXX XXXX XXXX. 
This is my second time disputing this matter with Experian. I urge you to resolve this issue promptly, as continued failure to accurately report my account status is a violation of the FCRA. If this inaccurate information is not removed, I am prepared to escalate this matter further, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies. 
Please confirm in writing when this matter has been resolved and provide an updated copy of my credit report for my records. Should you require any further information from me to complete your investigation, you may contact me directly. 
Thank you for your prompt attention to this matter. I look forward to your immediate resolution. 
Sincerely, Attachments : Screenshot of XXXX Credit Report Supporting Documentation ( if applicable )