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

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, MI XXXX XXXX Account # XXXX, XXXX Funding Account # 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
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Bankruptcy XXXX  XXXX Reference number : XXXX and Bankruptcy XXXX XXXX Reference number : XXXX
Product: Money transfer, virtual currency, or money service

Hi I Have a Major Emberassing and Frustrating situation with Wise. 

I Have been submitting a XXXX $ wire transfer that didn't go through and was stuck with XXXX XXXX on wise side if the transaction, and after so much time been transferred from XXXX XXXX to wise, for this I got an approval from both XXXX XXXX and Wise. 

I got an email from the company more then 3 weeks ago to either setup another transaction request or that my money will be refound to me. 

I have records showing a comunication with the Wise support center to refound me the money back. they conformed more the 3 weeks ago that I should recive my money in 5 buissnes days. 

Since then I am back and forth with them, with there respond that the issue now again is with the partner bank. That is passing the terms of my refound that should not take more then 10 days and the guarantee that I have been promise to receive my money back. 

This delay cause me so much on my personal life and my relationship beacuse that is my savings money. 

I was trying to speak with a supervisor that can speed this up and help me get my money back. 

I am a client that planning to use those kind of services in the future as well and this is unfortunate that we got to this situation. 

XXXX
Product: Vehicle loan or lease

XXXX was not properly resolved at all. Car max is absolutely 100 % incorrect in my due date and in trying to rectify this in the past, was argued with. The company 's response reports to you that my due date is on the XXXX of the month it is NOT. It always has been the XXXX of the month. I have attached statements as well as the original purchase order which documents same.
Product: Debt collection

asked equifax and mercahants credit to verify the debt, by requesting whom they verified the debt with and who the spoke with and I have not received a answer. As its said to be a medical debt, hippa laws and FCRA protect me from these violations. next step is litigation.
Product: Credit card

I signed up for a Barclay Luxury Gold card in XX/XX/2016. As an XXXX member of the armed forces, they were offering XXXX bonus points, plus XXXX benefits to include a 0 % APR and no annual fee, and were clear that this would remain in effect as long as I was on XXXX XXXX. One year later, they have changed their terms and are going to charge a {$990.00} annual fee, despite the promise not to do so for the length of my service. Barclay 's specifically targeted XXXX Military with XXXX benefits above and beyond what was required, and once enrolled, are revoking the benefits to charge a large annual fee. Now I must either pay {$990.00} for the card, or pay off the balance and close the card, negatively impacting my credit score. I, like many others, would not have applied for the card if the annual fee was to be charged.
Product: Credit reporting or other personal consumer reports

Account with XXXX was a result of Identity Theft/ Fraud. I was a co-authorized user on this account # XXXX. The account charges that were reult of fraud and charges were ran up on the card. Police report filed with XXXX police Department XXXX, Texas police report # XXXX for Identity Theft/Fraud
Product: Prepaid card

I had called as I was having a hard time using this card to pay online and I was told that XXXX does not allow the use of gift cards for payment. I received {$1200.00} in total AMEX gift cards as a gift to help me pay some bills as I was XXXX XXXX XXXXXXXX and had some bills that I was behind on. After calling AMEX I was told I could use the card anywhere AMEX was displayed. I tried in XXXX and it was declined. Now I has=ve XXXX worth of card that I can not use.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 card

XXXX XXXX. I paid my total amount owed to Synchrony Bank. My XXXX XXXX. Then I received a bill for {$65.00} and charge. I called to ask how I owed them money when I paid my balance in full. They told me it was interest. I spoke with a manager about it. Its not fair to change interest after balance is paid in full. Then I was told Ill have additional interest to pay even after I pay what they told me I owed. She could not tell me how much nor would they let me pay above what was due to cover any potential interest. They want to charge me to send me a statement. How can they perpetually charge me interest like this?
Product: Credit card or prepaid card

On XX/XX/XXXX Citibank assessed an annual fee of {$450.00} on my AAdvantage credit card. On XX/XX/XXXX Citibank unilaterally closed all of my accounts. When I called to have the annual fee reversed, I was told to wait 1-2 billing cycles. I did and the fee still has not been reversed despite numerous requests through Customer Service.
Product: Checking or savings account

On XX/XX/XXXX, I received a Chase text fraud alert asking if I attempted a {$1000.00} withdrawal on XX/XX/XXXX with my ATM card. I replied no and Chase replied with a text stating they will close my card and send me a new card. On XX/XX/XXXX, I reported to Chase fraud and filed a dispute two transactions of {$1000.00} each deducted from my savings account on XX/XX/XXXX with the closed card. I received a denial notice on XX/XX/XXXX finding the transactions were authorized. I contact Chase claims department and filed an appeal and asked how can the transactions be authorized if I responded on the fraud alert text the transaction was not authorized and how can are these transactions processed after the card was supposedly closed on XX/XX/XXXX in response to the fraud alert. Chase customer service rep confirmed the ATM in question was closed on XX/XX/XXXX. I also offered to provide a screenshot of the original Chase fraud alert text, but was told the investigation team will contact me if needed. I received a denial notice on XX/XX/XXXX with the same language as the initial denial notice. I contacted Chase and spoke to a claims supervisor and filed another appeal which was denied in less than 48 hours. I was advised the basis for the denials was no new devices added to profile, no indication of how PIN got compromised, and no aggressive attempts to log in. I was given conflicting information such as my card info was enrolled in XXXX XXXX  on an XXXX phone, which I confirmed I have an XXXX and never owned an XXXX  device and I do not use XXXX XXXX. They also said the transactions were initiated in Virginia, I confirmed I reside in XXXX  XXXX and did not travel out of state at the time of the transactions. I was also told the transactions were initiated from an phone that I am not familiar and I confirmed I have owned the same cell # for over 10 years. I asked the agent to provide with documents Chase used as the basis for their decision, which the denial notices state I have a right to request as well as regulation 1005.11. The Chase agent said the will send me a letter but refused to provide any documentation they used for their investigation. I asked the agent how can the investigations only take less than 48 hours to make a determination and I was never contacted for details. I offered to provide documentation from my cell provider to verify I do not own any XXXX  device and no change in phone #. I also offered to provide a copy of the Chase fraud alert text, but they did not ask for it. I kept getting the run around and conflicting information. They would not provide me an answer to why the transactions was processed after Chase closed the ATM card. I went to a local branch to ask for help and show them the original fraud alert still on my phone and was told there is nothing they can do. They would not allow access to the investigation team to find specifically how they came to their decision.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is stating I filed for Bankruptcy in two different states. I want these bankruptcy 's removed from my credit profile
Product: Debt collection

I received a letter On XXXX XXXX, 2017 from collection then received a phone call to my mother house not my phone number which they have access to my mom who is elderly and lives in a XXXX XXXX leaves a harsh message regarding me then On XXXX XXXX, 2017 around XXXX XXXX Pacific time I called the corporate office at XXXX ( XXXX ) XXXX EX XXXX spoke to XXXX which sounded like a man possibly giving fake names then he transfers me to another collection agent and starts arguing telling me he does n't care about the reason why I could n't pay I then ask if I can make payment arrangements he refused and told me to borrow money or get it somehow today the on a recorded line he then said I 'm refusing to pay I just told him when I could pay and starts threaten about outside agency to get their money my total came out to {$310.00} and he offered to split my payment at first then he said on his time it had to be done today I ask to receive a copy of the recorded copy of the conversation and how his business ethics need improving and how he cant be threaten or talking to consumers yelling and not letting consumers talk
Product: Credit reporting or other personal consumer reports

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

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed in document
Product: Credit reporting, credit repair services, or other personal consumer reports

My chapter XXXX bankruptcy was completed in 2011. It will be 10 years in a few months since this item on my credit report will be displayed as active. From my research ; Ive learned that this type of bankruptcy will only remain on my credit record for 7 years. Ive disputed this item more than 5 times in the last two years and they refuse to remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, EQUIFAX, & XXXX  has updated the following accounts on my credit profile but, they have still failed to provide me with an original signed contract with my signature on it. Under the FCRA section 609 & 611. XXXX, EQUIFAX, & XXXX  has violated my consumer rights by not adhering to the law, Section 611 ( S ) ( A ) states you are required to promptly delete all information which can not be verified. The definition of verify, according to the black law dictionary is to confirm or substantiate by oath ; to show to be true. Particularly used of making formal oath to accounts, petitions, pleadings, & other papers. Contract law states that only way to contest an affidavit is to respond another affidavit. According to the black law dictionary an affidavit, a written or a printed declaration or statement of facts, made voluntarily in confirmed by the oath or affirmation of the party making it, taken before an officer having authority to administer such oath. XXXX, EQUIFAX, & XXXX  failed to respond to my previous sworn statement if of dispute affidavit with another sworn statement of dispute affidavit which is against contract law. Also, section 605-B ( a ) block. Except as otherwise provided in the section, a consumer reporting agency shall block the reporting of any alleged identity thief, not later than 4 business days after the date of the receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity thief report ; furthermore, under the FDCPA section 809 states if the consumer notifies the debt collector in writing within the 30 day period described in subsection ( a ) of this section that the debt, or any portion thereof is disputed, or that the consumer request the name or address of the original predicator, the debt collector shall cease collection of the debt or a copy of a judgement, or name and address of the original creditor, is mailed to the consumer by the debt collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint against the credit bureau, regarding their failure to respond to my letter requesting an investigation and deletion of a medical collection account under {$500.00} on my credit report. It has been over 30 days. I sent the letter out on XX/XX/2023. 

As per the FDCPA guidelines, the bureaus are required to investigate and respond within 30 days. I haven't received anything.
Product: Credit reporting or other personal consumer reports

I am disputing the reporting of a late payment on my credit card account, as I believe this information is inaccurate and constitutes a violation of 15 U.S.C. 1666b, which governs billing errors related to payment due dates. My payment was submitted on or before the due date indicated on my billing statement. 

I request a thorough review of my account and payment history to verify the accuracy of the late payment reporting. If it is determined that the payment was made on time, I ask that the late payment remarks be updated or removed from my credit report and that any associated fees or penalties be eliminated from my account.
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 ; has violated my rights. 

15 U.S.C. 1681 section XXXX A. States I have a right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 cries which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 or prepaid card

I noticed many fraudulent charges on my Barclays credit card from XXXX of this year. Initially, when I contacted them, I was able to get the card closed and a new one allegedly sent out. I was assured that my card indeed had fraudulent charges, and that I was not responsible for the charges. I was given a new card number. However, the issue arose when Barclays sent me a letter saying I had to submit IRS form 4506-T. I submitted the form as requested. This was about a few weeks ago. However, since then, I still dont have a new credit card, my online account is still locked, and the credit card company has never sent me any updates regarding if the IRS form was accepted, denied, or anything in between. Whats worse is, I have a credit card statement due on the new card number that Im pretty sure was still used fraudulently. Because I never got the new card, never activated it, and its radio silence on the status of my account and my card.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my numerous endeavor 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 an alleged fraud or extortion. XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00}.
Product: Debt collection

This is the 3 time I have disputed and filed a complaint with the CFPB and the FTC overaccounts XXXX XXXX XXXX XXXX # XXXX ( XXXX XXXX XXXX XXXX XXXX ), Third-Party Collection Agency unable to validate debt. Other problems have included debt buyers selling with accounts with one creditor and then being collecting by another whoallegedly purchased the debt ( Smith v. Mallick, 514 F.3d 48 ( D.C.Cir. 2008 ) ), disputes between debt buyers over who owns which account when buyers have purchased partialportfolios ( Wood v. M & J Recovery LLC, CV 05-5564, 2007 U.S. Dist. LEXIS 24157 ( E.D.N.Y., April 2, 2007 ) ( dispute over who owned the 1/5th of a portfolio that included the debtors account ), or debt buyers attempting to collect monies in excess of the balance of a previously settled debt ( Overcash v. United Abstract Group , Inc., 549 F. Supp. 2d 193 ( N.D.N.Y. 2008 ) ) there are so many violations I don't which one to start with. All of these accounts are fraudulent until I see PROOF OF CHAIN OF TITLE OF OWNERSHIP!! I have notreceived any documentation from any of the above companies and I request again that proof of Claim and verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent my dispute letters regarding inaccurate and false items on my credit report. However, I didn't receive any investigation taking place nor notification of it's results. Also, the investigation did not fix any of the occurring issues on my report. I feel like I'm being ignored of my disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

In these years, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, 3 credit card accounts were documented by the XXXX XXXX XXXX, as having been opened by me. Before I knew about Identify theft, I tried to fix these debited cards and amounts by making payments. I was never able to pay them off as the interest and fees were accruing faster than I could pay. Some months I paid {$500.00} or {$700.00} towards the balance. The balances got up into the thousands of dollars, not because I used them, authorized the card or owed the money, but because of fees and interest.
When I found out about identify theft, I sought to work something out with the bank. They denied my effort and made no remarks about the IT. I tried several times to report, to the bank and the credit reporting companies, when I had the name and information of the person who opened and used my information. One of the indictors was an address in XXXX XXXX, as being listed as mine. I never lived in XXXX XXXX, and with this new information, I was able to provide proof that I did not open, and I never lived in XXXX XXXX. Recently, I was able to get Experian to agree to Identity theft, and XXXX XXXX  and XXXX. However, they would not take the debt off. The XXXX XXXX XXXX  wrote off, discharged, the debts, totaling over {$20.00} and gave no reason. They sent me and the IRS a Tax Statement document so stating dated tax year XXXX. <P/>Here is the problem I need help with : The debts were discharged, and total amounts provided to the IRS. However the XXXX XXXX XXXX, continues to send to the 3 credit reporting companies, all 3 debts as still open, ongoing and continuing to accrue at thousands of dollars. They wrote it off, but continue to leave it on my report as an open and accumulating debt. This reporting by XXXX XXXX XXXX continues to ruin my credit, and appears that the debts and cards are still active. <P/>I had a credit card with XXXX, and it was for {$900.00}. When XXXX saw the above issues on my credit report, they lowered my credit to {$250.00}. I am in XXXX XXXX and use the XXXX card for my books and supplies. XXXX said they will restore my credit card to {$900.00} if I can prove that what is showing on those 3 reports is an error. I have tried to get the 3 companies to look at the charge off documents and told of the IT and gave them all of the particulars, as stated here. They did acknowledge Identity theft, but would not correct the XXXX XXXX XXXX charge off. The XXXX XXXX XXXX does not recognize its own charge off and has left it on their books as 3 open card accounts. Can you help me clear this up? Thank you.
Product: Debt collection

I was contacted via a phone call from XXXX. They left an electronic voicemail stating, " Hello, we are calling from Medicredit on behalf of XXXX XXXX This is a call from a debt collector. Please return our call at XXXX Monday through Friday during normal business hours. Again, we are calling from Medicredit on behalft of XXXX XXXX. This ia a call from a debt collector. Please return our call at XXXX Monday through Friday during normal business hours. Thank you. '' There is no hospital called XXXX XXXX  that I have had any treatment from, and there is no XXXX  in my area for XXXX miles called XXXX XXXX This is a scam.