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

Equifax allowed my personal information to be stolen and did not inform me until XXXX 2017 ( 2 months after the incident occurred ) to be able to react appropriately to take the necessary actions to protect myself.
Product: Credit card or prepaid card

In XXXX I had a promotion that was expiring. I didnt receive notice from company they stated in XXXX one month before the expiration of the promotion I went online and requested online billing which I never did. Then in XXXX when I got noticed that my balance have increased through application I use I contact them and I was told they will fix it and send me a copy of the bill and extend it to allow me to pay. I never received. They stated because of Covid. Then now almost four month still same issue and not they say they cant do anything.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX - Incorrect Address XXXX XXXX  XXXX - Incorrect Address XXXX - Incorrect DOB These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX all debt to Comenity bank was found invalid and dismissed. Documents were forwarded to the company and credit bureaus from the XXXXrobate Court. Comenity bank continues to report wayfair, XXXX, etc as bad dent and all 3 of the bureau agencies have been no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Report : XXXX XXXX XXXX-Date of Inquiry XX/XX/2020
Product: Credit reporting or other personal consumer reports

I have requested several times from Experian thru dispute resolution department and via regular US mail, the reporting source ( the name of their third party verifier ) of the bankruptcy they continue to report on my credit report. Experian refuses to correct the reporting of this inadequate record.
Product: Credit card or prepaid card

My credit card company is charging me for purchases or services that I did not make. I reported the transactions as fraud and filed a claim in XX/XX/2023. The credit card company issued a temporary credit and canceled the card. In about 2 weeks the credit card company contacted me and denied the claims based on their investigation of the cards " chip '' was used.
Product: Credit reporting or other personal consumer reports

XXXX XXXX reported my credit card account as XXXX  days delinquent for XXXX. The XXXX Payment was due on XX/XX/2023, and the payment was made on XX/XX/2023, which makes the credit card account XXXX days past due for XXXX and not XXXX  days delinquent. By Federal law, a late payment can only be reported to the credit reporting bureaus once it is XXXX  days past due. 

Section 623 of the FCRA and Regulation V generally provides that a furnisher must not give inaccurate consumer information to a credit reporting agency.

Also, under the FCRA - 623. [ 15 U.S.C. 1681s ] ( B ) Reporting information after notice and confirmation of errors.

A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) The person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate I have attached the following : -The XXXX statement for XXXX XXXX shows a payment of {$310.00} made on XX/XX/2023 and a new due date of XX/XX/2023 after the XXXX payment was applied. 

-My Bank Statement shows the {$310.00} payment coming from my checking account.

-My Credit report shows the XXXX XXXX XXXX payment reported as XXXX  days delinquent. 

Please remove the late payment from my credit bureau reports. I have excellent credit and have never had a late payment reported to the credit bureaus because I try my best to pay my bills on time. This late payment is inaccurate and negatively affecting my credit profile. I have enjoyed doing business with XXXX XXXX, and I look forward to having this issue corrected and continuing to do business with XXXX XXXX in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account is paid in full, still shows a negative report delete account immediately please
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Please find attached all the documents I have originally filed with under XXXX XXXX XXXX, who now operates as XXXX XXXX XXXX. On page 5 on the XX/XX/XXXX file attached shows the accounts I listed at the beginning with XXXX XXXX XXXX. File XXXX ( 1 ) I have attached the statement I sent them sometime after XX/XX/XXXX XXXX XXXX XXXX is claiming the account that was not listed in the beginning of the program and then they called it Barclays after that and thought they were settling with Barclays with XX/XX/XXXX ( debt collector ) but it was a XXXX card account ending in XXXX and not Barclay 's account ending in XXXX. And then this XXXX account was paid off instead on XX/XX/XXXX when this account was not at the beginning of the contract. They told me to send all collections letters from all accounts to them which I did. All these documents should be available for my review by XXXX XXXX XXXX. I have also made several attempts in the last few months to get this resolved with XXXX XXXX XXXX XXXX XXXX XXXX XXXX without any results or assistance. Also, please find the attached dispute results fromXX/XX/XXXXXX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Accordind to to credit report I noticed that my right to privacy was violated. Accordind to 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 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.The accounts in question are listed below violates my right to privacy XXXX acct # XXXX, XXXXXXXX XXXX  : acct # XXXX, XXXX : acct # XXXX, XXXX XXXX : acct # XXXX, XXXX XXXX : acct # XXXX, XXXX XXXX : acct ; XXXX, XXXX XXXX : acct # XXXX, XXXX XXXX : acct # XXXX, XXXX : acct # XXXX, XXXX : acct # XXXX, XXXX XXXX XXXX : acct # XXXX,,..
Product: Credit reporting 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 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 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 card

One night around XXXX I had received multiple alerts of purchases in {$50.00} in increments for XXXX gift cards . All of these charges were made within the span of about 20 seconds and there were over 15 charges before I was able to lock the card. Despite Apple Card agreeing that 14 of them were fraudulent they insist the first charge which was made at the same time as all the rest from the same location in a foreign country, was legitimate to them. In their terms and agreements they have a clause stating that consumers are not liable for fraudulent charges yet they insist on telling me I am responsible for paying for it now.
Product: Prepaid card

I received an AMEX Gift Card as.bonus from work, I have been making several attempts to spend the funds on the gift card on line, at XXXX, at XXXX, XXXX XXXX, I have tried to the card at various other merchants online and I am constantly receiving messages that the card is declined or unverified and I need to use another form of payment, I have contacted AMEX Gift Card Customer Care which simply tells me they have lifted the restrictions and to try again in 24 hours, I wait the 24 hours and try again and the same thing happens. I am then told to use another merchant, I have tried using another merchant and the same issue occurs, they reset and lift the restriction and round and round we go. I am told that XXXX is an approved merchant yet the card doesn't work. Even using a small amount same thing. How am I to use the Gift Card if EVERY merchant declines it. I am then told based on security merchants are trying to verify an address, as the Gift Card is vernal purpose they can't add my address to register it therefore there is nothing they can do other than to keep trying or try another merchant of which I have no control if they will accept it or not making my gift card useless. You can't get a money order with the AMEX Gift Card and you can't get cash back and you can't use it online. Its ridiculous! They way that they are treating me as if this is my fault is just plain rude and ridiculous. The card doesn't work! the card will say its on hold, then it will say its active, even when active it will not work. The pending charges of {$.00} cents and {$1.00} hit the card but the actual charges do not AND they never reverse the pending charges of those tiny amounts.
Product: Credit card or prepaid card

Capital One continues to report incorrect information on my credit report. I called Capital One regarding them not acknowledging my payments, and reporting " no '' payment received.I was told that, because I didn't make the full payment amount that my payment was reported as a missed payment. Just recently, on XX/XX/2023, I made the full payment amount that was billed. Capital One, and this is important, as XXXX has begun the process to end its agreement with Capital One due to, will notify the credit bureau of the payment, however ; leave the utilization high, if it is in fact high. I've called Capital One about this before, when I caught them, they did it again, and I was told that they would NOT be manually updating information that they reported incorrectly. This is very dishonest, and I've asked Capital One to be more careful.
Product: Credit card or prepaid card

On XX/XX/2022, I was in XXXX, XXXX at a restaurant called XXXX XXXX where {$470.00} was charged on my card. Only {$180.00} was supposed to be charged on my credit card. I paid {$370.00} USD ( XXXX pesos ) in cash and the rest of the bill was supposed to be charged on my card. Instead, the restaurant decided to charge the whole thing on my card. I tried to explain this to Chase Bank and was denied twice. The first time I tried was on XX/XX/2022. They didnt get back to me until XX/XX/2022. I called into the customer service number and they told me to contact the restaurant directly and the restaurant told me on XX/XX/2022, that its been too long and to handle it with my bank. So I called Chase again on XX/XX/XXXX and they told me that I could re-open my case and to write a letter and I can drop it off at any Chase Bank institution. I wrote a letter and had someone from Chase Bank submit it for me on XX/XX/XXXX. I waited a few weeks to call again to check if my letter had been received. No such letter was received when I had called in on XX/XX/XXXX, so the Chase representative told me to send the letter via email. They sent me a letter on XX/XX/XXXX and XX/XX/XXXX saying that theyd work on it. Fast forward to today, XX/XX/XXXX, is when I got another denial letter.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of INQUIRY JPMCB CARD - XX/XX/2023 XXXX OF XXXX - XX/XX/2023 XXXX XXXX XXXX - XX/XX/2023 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

i submitted a dispute with Transunion its been wayyyy over 30 days still no response from Transunioin
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XXXX to XXXX I saw a Loy of pre approvals on Credit Karma. At first I didn't pay attention to the advertisements but Credit Karma kept sending me emails and all sorts of pre approvals telling me that I was pre approved for credit cards personal loans, and that I can refinance my car everyday I would see these offers when I log in to check my credit score. So after a few months of being told I was pre approved I thought I was in the perfect place to apply, I got so many offers through Credit Karma I started telling my familytqhe good news and we talked about vacations and investments we were going to use these pre approvals for. So I applied sometime in XXXX and XXXX for offers and I got denied for everything I applied for. I was distraught and very very angry and I felt deceived. I was marketed to for months from credit karma telling me I was pre approved, this was a lie, I was sevearly stressed I was XXXX  for weeks, XXXX  so bad, my XXXX XXXX went up. I became XXXX, my XXXX  went from 0 to 100. Now every time I see pre approval I immediately close my phone or shut off my computer.This has made me so uneasy and anxious that I haven't checked my credit as frequently as I should.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the company regarding their violations of my consumer rights by furnishing information that is not allowed by law, in accordance with the FCRA. There are accounts listed on my consumer file for XXXX XXXX XXXX XXXX, that I have disputed with the company on more than one occasion, requesting physical verification and validation of this alleged debt. I still have not received any physical verification, just a letter stating it was verified, through no proof violating 15 USC 1692g and 15 USC 1681i. I, the consumer, never ever gave and consumer reporting agencies consent to report any information concerning my accounts. Without obtaining my consent, this is identity theft. The FCRA clearly outlines what should be excluded from a consumer report, pursuant to 15 USC 1681a ( d ), income shall never be included in a consumer 's personal file. A charged off debt is a source of income in which a 1099 should be received by the consumer, and this can not be added in the consumer file. In addition, in accordance with 15 USC 1681a ( 2 ) ( A ) ( i ), late payments are to be excluded from a consumer report. There are late payments showing on XXXX XXXX and XXXX XXXX XXXX, that the company refused to remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , UT  XXXX  Inquires on  XXXX / XXXX / 16  and  XXXX / XXXX /   16  This inquiry was performed under false pretenses as described in the clear language of th e law. 15 USC 1681n ( a ) ( 1 ) ( B ) which states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. ''
Product: Checking or savings account

My bank is Chase. I paid for items from XXXX XXXX XXXX but the where stolen in shipment under XXXX XXXX XXXX XXXX  XX/XX/year> ). XXXX claimed to investigate the situation and even came to my door to further investigate how they never came to my door the first time. 
After making many phone calls, putting in many disputes, and trying to get a refund on the products I never I received, Chase has still not issued a refund, allegedly XXXX XXXX XXXX keeps sending a Refund Policy signed refund policy even though I NEVER RECEIVED A PRODUCT and XXXX has not sent me my Service Request Number. 
Every company has told me to go to the next company, and I will soon send a letter of notice to each of them. 
I dont exactly know how to complain against but the actions of all 3 companies has caused me to lose a lot of money for unreceived items.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent my opt-out notice letter to XXXX XXXX XXXX I am filing a complaint against XXXX XXXX for violating my consumer rights under federal and XXXX XXXX XXXX XXXXXXXX XXXX shared my financial information with third parties without offering an opt-out, violating the XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Consumer Fraud Act ( XXXX XXXX, and Identity Theft Prevention Act. Despite my objections, they claim their Privacy Policy permits sharing, conflicting with XXXX and XXXX law. 

I have not received confirmation of my opt-out status, and my information continues to be shared with consumer reporting agencies. Requests for a detailed account breakdown were ignored, violating the Truth in Lending Act ( XXXX ). XXXX XXXX also disregarded my mail-handling instructions, resulting in a privacy invasion and potentially deceptive practices under XXXX, harming my credit and privacy. 

Their unauthorized sharing constitutes identity theft under 15 USC 1681a ( q ) ( XXXX ). I request that this account be removed from my report and that my privacy rights be enforced.
Product: Credit card

They lowered my credit limit and increase my owed balance even though I never have missed a payment or made a payment late. They claimed I went over the promotional period and increased my balance, but I am already paying for that and now they claimed I went over another promotional period even though I asked them to lock my card and I would make payment till I was done paying off. I haven't used card in over a year and a half so there can not be any promotional period again. This credit card has done more damage to my credit score than any other card even though I have never missed a payment or paid late once ever. This card has been a scam since day one, please help me, I don't know what to do.
Product: Credit card

On my Chase Credit Card Statement : opening/closing dates XXXX I had an Interest Saving Balance of {$720.00} Consequently on XX/XX/year> I scheduled a payment of {$730.00} to be paid on the due date of XX/XX/year>. 

I paid more than the minimum due so that i incurred no finance charges for the month. 

On XX/XX/year> I made a purchase in the amount of {$100.00} I subsequently returned the purchase item and received a return credit from merchant on XX/XX/year>. 

On my Chase Credit Card Statement : opening/closing XXXX XX/XX/year> the purchase on XX/XX/year> of {$100.00} appears on the statement as does the subsequent return credit of {$100.00} that shows being credited to the account on XX/XX/year>. 

All of this is as it should be. 

The problem that occurs is how Chase handles this Return Credit of {$100.00} on XX/XX/year>. 

What Chase explained to me in a couple of phone calls is that they take the refund and apply it to the previous statement. Thats right, they take the return credit and unbeknownst to the consumer they arbitrarily credit the prior months statement.

HOW WOULD ANYONE BE EXPECTED TO EVEN KNOW THIS???

ONCE AGAIN, I HAD SCHEDULED THE PAYMENT ( for the statement opening/closing dated XXXX ) on XX/XX/year>? 

CHASE takes the {$100.00} and pays down a PAY-OVER-TIME balance that has a fixed monthly fee of {$20.00}, irrespective of what the Pay-Over -Time balance is for that month.

In other words, Chase is paying down a balance that will in no way benefit from being paid earlier than required.

Meantime, that {$100.00} charge on XX/XX/year> must be paid as if no refund was ever issued. 

So the Interest Saving Balance for the current months Statement ( Opening/closing date XX/XX/year> - XX/XX/year> ) which should have been {$710.00} becomes {$810.00}.

In a nutshell, Chase is taking a credit and applying it to a promotional Pay-Over-Time balance that does no benefit to the consumer. It only benefits Chase.

Chase then wants the consumer to pay for a purchase made during the statement period as if no refund were issued.

AND IF THE CONSUMER DOESNT PAY THE {$100.00} then they are charged interest, even though the account was credited long before the payment is due.

Its financial slight-of-hand, plain and simple.

Chase is preying on the consumer.

What Chase is doing should be illegalthey are shuffling money around to their own advantage and at the expense of the consumer.

FINE CHASE for their predatory practice.