23daVinci/CFPB_Complaints huggingface dataset:
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 to privacy and confidentiality under XXXX USD XXXX. 

XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 602 a. states I have the right to privacy.

15 u.s.c 1681 section 604 a sections 2 : it also stated 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 consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 u.s.c 1681 s-2 ( a ) ( 1 ) 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

I originally filed a dispute against Lentegrity LLC on XXXX dispute number was XXXX, saying that my account ( XXXX ) was never a charged off like Lentegrity reported to all the credit bureau , , instead the car was deemed a total loss and paid off by XXXX XXXX XXXXXXXX XXXX They mailed the check to Lentegrity on XXXX and Lentegrity cashed it on XXXX. Lentegrity responding to the complaint on XXXX and agreed the account was not a charge off but was in fact paid off by the insurance company and said they would fix the problem with the credit bureaus, however Lentegrity went on to say in the response that since the car was totaled they haven't received regular payments with made the car XXXX and a half months past due. This was a total lie even though they can clearly see in their system that we never missed a payment and never had a late payment, I still provided them with bank statements of the months in question showing that the payments were made yet they refuse to fix the problem. Not only did they not fix the late payment problems the charge off report came back to XXXX and XXXX credit bureaus dropping my score once again. I contacted Lentegrity LLC via phone and was finally able to get a hold of XXXX XXXX, the guy that's supposedly in charge of fixing false credit resorting. He told me to send screenshots of the incorrect reporting via email and he would get it fix. Well come XXXX after sending him several emails he finally responds saying the company supposedly fix my issue on XX/XX/XXXX but he can still see it was showing up so he was going to forward it to management to get it resolved. That was in XXXX today is XX/XX/XXXX and still no fix and XXXX XXXX has totally ignored my emails since then.
Product: Credit card or prepaid card

This is for the Venmo Visa card issued by Synchrony Bank. I contacted the business on XX/XX/2023 and spoke to an overseas agent in regards to submitting a timely billing dispute. This is for a purchase dated XX/XX/2023, merchant is XXXX XXXX XXXX and the amount is {$4000.00}. The merchandise has been returned, proof is attached via XXXX showing that the merchant received the merchandise. Also, attached is the store policies taken directly from the receipt. The business has a 30 day return policy. Please process the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX XXXX  XXXX  data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXXXXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous requests to XXXX, Equifax, and XXXX   regarding inaccurate addresses that do not belong to me on my credit reports. I sent letters to all 3 bureaus on XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. each time I attached my social security card proof of address and my utility bill proof of address along with my identification and all 3 bureaus keep not processing my request for removal of the followin addresses : XXXX  - XXXX XXXX XXXX XXXX, XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX Equifax - XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX
Product: Checking or savings account

I submitted a dispute on my debit card. XXXX XXXX due to a flight they cancelled at the last minute. They refused to refund my debit card. So I filed a dispute with USAA. I called the CS Rep who initiated a temporary credit. I received a Dispute Letter asking for documents. This is what I told USAA : I submitted 4 documents. One was the narrative and the other document proof of my ticket after payment. Flight information and all that. 
This information was submitted on XX/XX/2020 the same date received. I received a email back that the documents were received. Fast forward last night received a letter that my credit will be reversed that they could not read a document. USAA would not give the courtesy of informing me that they could not read a document. They waited two weeks until the time was up for me to resubmit to send this letter out. I called spoke to two reps and a executive person who stated their DISPUTE department do not take calls and there is nothing they can do to rectify. Due to the coronavirus and what is going on in our world to expect USAA to be there for their members is too much to ask. I have stopped all direct deposits and removed my money to XXXX XXXX. This back in absurd and they poor bank practices leave much to be desired. I would like for this complaint to be posted to your website. I can't totally close my accounts with them until my stimulus check hit. But rest assured I will not be doing business with this amoral company ever again. USAA conveniently states they can't read a document or they say they never received a document. They are liars and I know {$270.00} is not a lot of money. Karma is a XXXX and I plan on getting as many people I know to leave USAA.
Product: Credit reporting or other personal consumer reports

I sent the FTC to this company several times letting him know that I had a fraudulent information on my credit report and I asked them to block it. They said that I did not qualify even though I do so I also have a police report and FTC report that I am uploading with this report to be sent to the company.
Product: Checking or savings account

the banks has hit me with 5 overdrafts on the XX/XX/XXXX & XX/XX/XXXX i deposited my check late on the XX/XX/XXXX but they always release XXXX XXXX time of deposit but not this time causing this overdrafts i understand the first one on the XX/XX/XXXX but the othere four on the XX/XX/XXXX are excessves fees
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 XXXX ACCOUNT NUMBER AMOUNT XXXX XXXX XXXX {$630.00} XXXX XXXX XXXXXXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX XXXX {$490.00} XXXX XXXX XXXX I XXXX {$270.00} XXXX XXXX XXXX I XXXX {$640.00} Totals {$4200.00} XXXX XXXX XXXX XXXX {$630.00} XXXX XXXXXXXX {$490.00} XXXX XXXX XXXX XXXX {$790.00} No Name XXXX {$120.00} No Name XXXX {$640.00} No Name XXXX {$270.00} Totals {$2900.00} TRANSUNION XXXX XXXX XXXX {$630.00} XXXX XXXXXXXX {$1400.00} XXXX XXXX XXXX {$490.00} XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX XXXX {$270.00} XXXX XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX XXXX {$640.00} Totals XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please know that I was not late on XXXX XXXX XXXX, XXXX XXXX XXXX XXXX I wonder why Transunion report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has violated my Consumer rights. Pursuant to 15 USC 1692c. ( c ) I notified XXXX XXXXXXXX in writing that I refuse to pay this alleged debt, and I am demanding that they cease all forms of communication with me through all mediums except by postal mail. Pursuant to 15 USC 1692c. ( c ) ( 2 ) I am Invoking my specified remedy as a consumer, and the original creditor I am demanding ALL of the following On the XXXXth of every month the account must have a XXXX Balance. Keep this revolving account open indefinitely. Increase my credit limit on this open-ended credit plan to {$50000.00} every month. Remove all monthly balances owed and report XXXX owed for every reporting month, since the beginning of this account to all credit reporting agencies. Pursuant to violation of the Truth and Lending Act 162 15 U.S.C. 1666a Regulation of Credit reports, and Truth and Lending Act 163 15 U.S.C. 1666b Timing of Payments Stop Illegal reporting of late payments to all consumer reporting agencies. Remove all late payments reported to all consumer reporting agencies. I would like all payments I MADE SINCE THE BEGINNING OF THE ACCOUNT ON XX/XX/2020, returned back to me via mailed check and any part of the amount of the credit balance remaining 15 USC 1666d ( C ). Failure to respond to my Cease and Desist and honor my demands within 30 days will result in me the consumer pursuing legal litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account named " XXXX, XXXX '' has been reporting inaccurately on my EQUIFAX credit report for some time now. I have disputed it several times over the past couple of years and I have provided police reports and other documentation showing that my identity was stolen. I have submitted all proof to the credit bureau multiple times showing proof that the account showing on my credit report is inaccurate. EQUIFAX keeps replying giving false information saying that they completed an investigation and the information on my credit report has been confirmed. That is absolutely incorrect and illegal to falsely state that when it couldn't possibly have been investigated otherwise they would learn that the account is inaccurately reporting. I have attached a letter from the creditor themselves saying they show no account in my name. This is so unfair, unethical and more importantly illegal to report inaccurate information. I have exhausted all options and patience and now have no choice but to take further action at this point. 

I have requested to remove the account from my credit file as it is inaccurate and negatively impacting my credit score. It's unfortunate that I have to deal with the consequences of EQUIFAX 's mistake and that I have to go through this extent to prove the truth. I hope this matter gets resolved sooner than later because I refuse to give up for what is right!
Product: Checking or savings account

Chase charges {$34.00} 3x a day if given the chance.

I recently had an issue with overdraft fees being charged for pending transactions. The transactions did not stop showing pending until XX/XX/XXXX. They hit my account XX/XX/XXXX and is meant to be paid XX/XX/XXXX. For whatever reason, this time Chase decided they would charge me 2 overdraft fees. Each fee coresponded to a charge from XXXX XXXX that was pending on XX/XX/XXXX. I got paid around XXXX on XX/XX/XXXX, yet Chase had already charged me TWO overdraft fees for PENDING transactions. I asked that they return the overdraft fees and they absolutely refused to do so because they reversed some others for unexpected charges in the last 365 days. Chase is a terrible bank who charges OD fees constantly even when stuff is pending. I wouldn't even care because typically it would be my mistake, but in this case the payments that hit my account are normal and occur EVERY SINGLE pay period, yet Chase has never charged me OD fees for them before. 
To recap : XXXX XXXX charges hit my account on XX/XX/XXXX - XX/XX/XXXX as PENDING I was paid XX/XX/XXXX around XXXX Chase charged me an overdraft fee for each XXXX XXXX transaction Charges did not come out of Pending until XX/XX/XXXX. 
These are charges that occur in my account every payday ( twice a month ) and I've never had issues before now. 

I would like for Chase to refund my OD fees, and the 2 prior to this incident if possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

It occurs that my credit report has been compromised. Again, I was going through my files & noticed these items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any information or items which were found to be opened due to identity theft. The disputed items do not belong to my file. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these items. XXXX XXXX Balance : {$1700.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$550.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$800.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$320.00} ; XXXX XXXX  Date of XXXX XX/XX/2020 ; XXXX & XXXX XXXX Date of inquiry XX/XX/2020 ; XXXX  Date of inquiry XX/XX/2020 ; XXXX Date of inquiry XX/XX/2020 ; XXXX XXXX  Date of inquiry XX/XX/2020 If you feel there is a possibility these items belong to me I will require all documentation which bear my signature ( another research item I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries on my report Im not familiar with I contacted the creditors & bureaus I have not heard anything after like 43 days man I dont know whats going on. I need these inquires looked at and removed ASAP.
Product: Payday loan, title loan, or personal loan

By way of background- In XXXX, I took out an Equity Line of Credit loan with XXXX  XXXX XXXX XXXX In XX/XX/XXXX, XXXX  XXXX XXXX sold the loan to " Specialized Loan Servicing LLP ''. 

My last payment to XXXX  XXXX XXXX was made on XX/XX/XXXX, just prior to the Specialized Loan Servicing owning the loan. 

Since then, Specialized Loan Servicing has been engaging in what appears to be fraudulent activity with my account. Their first contact with me was in XX/XX/XXXX, in which they ( falsely XXXX informed me that my payments were not current for XX/XX/XXXX and XX/XX/XXXX ( despite evidence to the contrary ). 

As proof, and with the help of XXXX  XXXX XXXX, I sent them bank statements showing that all payments were current and paid in full from XXXX throughout XX/XX/XXXX. The statements showed that all payments were automatically made through my account and paid in full. XXXX  XXXX XXXX assisted me in forwarding the statements to Specialized Loan Servicing, so that they had accurate payment information regarding the loan. 

Despite the evidence, Specialized Loan Servicing contacted me XXXX again XXXX stating that they did not receive the payments. Another phone call from Specialized Loan Servicing changed the month of the alleged non-payment to " XX/XX/XXXX '' and " XX/XX/XXXX ''. 

I again, sent all the proof of payments, showing that payments were made on time, and in full for any and all months they inquired about. Despite the many back and forth phone calls, and all the statements they had, which showed payments were made, Specialized Loan Servicing maintained their stance that they did not see the payments. 

They continue to make this allegation. Currently, Specialized Loan Servicing is now doubling the interest and adding to the principal ( {$2100.00} as a deferred amount ). This is unlawful. Specialized Loan Servicing has refused to comb through the evidence presented that showed payments have always been current and paid in full, and is now committing fraud by adding to my principal. This needs to stop immediately. 

Additionally, Specialized Loan Servicing continues to call me at odd hours- early morning and late at night. Specialized Loan Servicing called me saying they did not receive payment for XXXX - however, I sent them proof of payment. They called again, saying they made a mistake, and it was actually XXXX they wanted the proof for. I sent them that proof as well. 

Basically- they call about a different month each time they call, and I always provide proof, showing them the statement that the payment was made in full and on time. It continues to go on like this. It's devastating. 

I always make my payments earlier in the beginning of the month- and all the proof is there- in the account. Currently, they are calling, and when I pick up, they quickly hang up the phone as if they are participating in a prank.
Product: Money transfer, virtual currency, or money service

Paypal locked my account on XX/XX/XXXX for no reason. I use paypal for XXXX  sales and XXXX sales of sports cards, coins and collectibles. I have thousands of happy clients, and never once in this time frame had a single refund request or chargeback. 

Paypal has refused to release the money in the account that belongs to me, just a hair over {$2000.00}. They will not provide a reason for the closure and will not listen to anything. I believe this is a financial crime to hold over {$2000.00} in revenue from selling goods and the service of inspecting collectibles for conditional flaws. This is a complete scam, and no one does anything about it due to Paypal 's size. 

I am also going to file a complaint with the FBI. I need resolution to this. It put a small business out of business during Covid now that I can no longer conduct business.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX STATED IN PREVIOUS RESPONSE THAT I NEEDED TO BE MORE SPECIFIC SEE LIST BELOW XXXX XXXX XXXX XXXXXXXX {$14000.00} XXXX XXXX XXXX {$340.00}
Product: Credit reporting or other personal consumer reports

I was just looking over my credit report on XXXX XXXX and found some addresses that appear to be incorrect. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Experian continue to report my name, my address and phone number incorrect on my credit report.
Product: Credit card

Discover Credit Card, XXXX XXXX XXXX, XXXX, NC XXXX, raised the minimum amount due without notification. When I called to see why, they offered me the opportunity to discontinue using their card by closing the account, thereby, the amount I was paying would be owed until the card was paid off. The next bill reflected the new rate amount. When I called, I found that they had scammed me by stating the new amount had to be paid and the credit card had been closed. I sent them a letter of dispute. Meanwhile, the next bill came yesterday and it reflects the new rate with " include past due amount '', with a warning of a {$35.00} late fee and the APR will increase.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 I called to inquire about Internet service through XXXX XXXX and was asked to provide my physical address. I asked them if they were going to do a credit check and they responded with no. I told the agent I was not authorizing any credit checks at this time. I received a notice that my credit had been pulled and contacted XXXX XXXX and asked for them to remove it. I received no help from them and proceeded to call Trans Union for assistance. I filed a claim and was told that there was nothing they could do to help me that I would have to resolve it with XXXX XXXX. I never authorized my credit to be pulled. They ran a credit report by my physical address. Please help me and removing the credit inquiry from XXXX XXXX from my credit report. The inquiry was made today XX/XX/2018. Sincerely XXXX XXXX.