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

The Credit Bureaus stated that my XXXX XXXX XXXX  account was properly investigated, but how is that possible if the Account number is inaccurate, the High Balance is inaccurate, the Last verified date is inaccurate, Date Reported is inaccurate, the Date Opened is inaccurate, the Closed Date is inaccurate, the Creditor Type is inaccurate, the Creditor Remarks are inaccurate, the Last Payment Date is inaccurate, the Account Type is inaccurate, the Credit Limit is inaccurate, and the Date of Last activity is not accurate, each of these are a SEPARATE VIOLATION. They also unlawfully reported my payment history in these months and years XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX each of these dates are a SEPARATE VIOLATION. Because of the multiple inaccuracies on my credit profile which have negatively impacted my credit I have been unable to find housing for myself and my child! This is grounds for removal. They also violated my rights under 15 U.S.C 1681 section 602 A.

States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

I reported a card stolen XX/XX/XXXX, received a temporary card XX/XX/XXXX. Was in an accident and provided a rental car by my insurance. I provided the temporary card void of my name to allow a {$200.00} temporary hold on my account. Insurance adjuster took 2.5 weeks to appraise damage and finally did so right before XXXX. Auto shop was worried the car wouldnt be fixed within 30 day window. I was in contact with insurance and complained the amount of repairs was equal to value of car, now add in the rental which would now be late, due to the adjuster, and this couldve been avoided had I just been issued a total loss, my claim became much more costly than it needed to be which was not my fault. Claim rep agreed with me and promptly refused to speak with me after agreeing. I also missed out on XXXX  biggest discount of the decade due to the untimely process of the insurance. I was angry but thought I put this all behind me, traded in the car, and got a new vehicle without the employee pricing that cost me thousands, and moved on with my life. XX/XX/XXXX was hit with a {$1300.00} charge for the rental car that my insurance paid for. No bill or attempt to notify me of an outstanding balance was ever received from XXXX XXXX XXXX. No alert or permission request from Bank of America was ever received. I submitted a complaint of fraud to my bank that was denied. Is my bank allowed to accept charges on an old expired card without any authorization? If I was responsible for these charges I would have figured out what was going on by contacting my insurance XXXX XXXX, and XXXX, and try to get to the bottom of this. But instead my bank took the liberty of removing 50 % of my account funds without my authorization on a non recurring transaction along my ability to dispute any claims. I could have argued some of the charges, I could have told my insurance I needed a new claim rep who would respond to my daily phone calls, even when I spoke with other reps and was promised a return call one was never received therefore I have no clue what they paid if anything. My bank who I trusted to protect my money gave away any ability to dispute these charges with Updater services and a Forced Authorization without me present and without my PIN, after a card was reported stolen, you would think these convenience features would not be allowed. What stops fraudsters from doing the same thing on a stolen card? PleAse help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope all of you are doing well as of this moment. I was checking on my credit report and I found erroneous information and I was very disappointed to see it on my report. I am writing three credit bureaus to update or remove this items. I hope someone will help and take action on this matter ASAP. I listed the companies showing on my report : XXXX : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I know for certain that this is a violation of the law as mentioned in the following : 15 U.S. Code 1681 b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681 n Civil liability for willful noncompliance ( a ) In general any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) 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 ; Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.
Product: Credit card

A duffle bag was purchased from the company XXXX for {$85.00} on XX/XX/XXXX, but was never sent. The company stated they would provide tracking information when the bag was shipped, they never did. The company ceased to response to all of my efforts to reach out to them. I attempted to contact them XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with no response ever received. I filed a dispute with my credit card company, Citi Bank, on XXXX when it was clear that the merchant had no intent of providing the product I purchased. They contacted the merchant on XXXX and the merchant did not respond until XX/XX/XXXX. The dispute was resolved in the merchants favor on XX/XX/XXXX, leaving me to still pay for the unreceived product. Citi Bank never asked for any supporting documentation from me, showing that I never received the product and tried multiple times to reach out to the merchant.
Product: Credit reporting or other personal consumer reports

Paid a collection and didnt get a deletion letter.
Product: Credit reporting or other personal consumer reports

Public Law 91-508 & Amendments Title VI : Provisions relating to credit reporting agencies.
Product: Credit card or prepaid card

I have been a victim of fraud through XXXX services and multiple crazy items were sent to my home daily from XXXX. I do not have a XXXX account. It was some sort of scam and fraud. I sent all items back to XXXX through XXXX XXXX. I immediately stopped some of the charges when my credit company alerted me. I have been fighting this fraud for months. This is all done on my Bank of America credit card. 

XXXX came to pick up my return to sender items. XXXX was contacted multiple times as was Bank of America and in the end Bank of America declined my fraud dispute and wants me to pay for it. 

I am a senior citizen.I have no idea how this all occurred and why. I have been a good standing card holder of Bank of America for decades. 

The disputed amount was posted on XX/XX/19 for XXXX. 

I am sick over this. I shouldn't be put through all this stress at my age. I just want these fraudulent charges taken off my account and my account closed after this. I am disheartened that they have not defended my case in this after being with them for so long with no other issues.
Product: Debt collection

I contacted Transworld Systems, Inc. regarding rehabilitation of my outstanding student loans XX/XX/XXXX. I agreed to a rehabilitation program for the loans they are servicing and was instructed to email my XX/XX/XXXX XXXX. Along with U.S. Mail and phone calls to my cell phone, I have been contacted more than once on my work phone number. During the first phone call to my office, I requested that TSI not contact me at work, because it will interefere with my job. I was told by the representative that the company would no longer do so. When I was called again today, I informed XXXX XXXX XXXX ( TSI representative ) that I had requested not to be contacted at work ; that he would have to call me on my cell phone if he wanted to speak with me. He indicated he knew, but since the last call between he and I on my cell phone was disconnected ( I was driving and told him I could n't talk while driving ) he said he had to call the office. He further said that he was going to put a wage garnishment on me if I did n't follow his directions ; a statement I found to be harassing and threatening. 

TSI has three ways of contacting me, other than my office telephone. Clearly, they are ignoring the Fair Debt Collection Practices Act ( FDCPA ), in continuing to contact me via my office telephone number. I have written them an email to indicate, in writing, that they are not to contact me at the office and to use one of the other three methods they have on file.
Product: Credit card or prepaid card

Please remove I didn't give permission to nor did I request this in error!
Product: Credit reporting or other personal consumer reports

This account is a certificate of indebtedness ; it is now considered income and income can not be reported on any credit report. Caine & Weiner, account number XXXX, has violated several of my rights as a consumer. Furthermore, the sale or sharing of my personal information to a third party collection agency without my explicit consent constitutes several violations of both the Privacy Act of 1974 ( 5 U.S.C. 552a ) ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.

This also violates the Gramm-Leach Bliley Act ( 15 U.S.C. 6801 ). Under the Privacy Act, federal agencies are prohibited from disclosing personal information without the individuals consent, except under certain circumstances, and under the Gramm-Leach Bliley Act, financial institutions are required to protect the privacy of consumers nonpublic personal information and limit disclosures to third parties without consent. 
Given that I did not authorize this disclosure or sale of this account, I am formally requesting immediate action to investigate this violation, cease further sharing of my information and to remove all unauthorized reporting related to this account
Product: Credit reporting, credit repair services, or other personal consumer reports

on reviewing my reports, there are still incorrect information found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XX/XX/XXXX and XX/XX/XXXX was XXXX,, but no response was ever received from them today date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports that need to be corrected and removed in my file immediately : { Account # XXXXXXX= XXXX XXXX XXXX XXXX  and XXXX XXXXXXXX.
Product: Credit card or prepaid card

I over paid my chase card in XX/XX/XXXX by mistake. I called chase a week later to ask for a refund. I was told at that time the fund would be returned to my checking account electronically.

After waiting several weeks I called Chase again to find out where my money was. I was informed at that time that electronic returns were not allowed, but no one bothered to tell me that or the brain power to just send a check. I was told at that time in XX/XX/XXXX that a check was being sent. 

I called again today and the check still isn't sent out. They assure me it will be, be we will see. 

If I don't pay them on time I get charged a late free. What happens to companies that just decide to keep our money?
Product: Credit card or prepaid card

My card was a GM credit card. When they tried to raise my fixed rate, I closed the account as I did not agree to the rate increase and have been paying down my balance. Capital One took over the GM card and then changed their website. As a result of my account being closed, I no longer had a card with a valid expiration date or 3 digit security code. I have been making payments for years, online. As a result of the website change and my not having a physical card, I could not register on the new website. They have since started mailing paper statements and I am being forced to make payments by phone, as I can no longer do this on-line. I have asked they stop sending paper statements and just send an email notification that my bill is ready. They will not. I have asked they send me a new card, with a credit limit of XXXX dollar, so I can register on line and make payments. They have refused. I just want them to STOP sending paper statements. I know when the bill is due and how much is owed, as I have been paying this off for the past several years and only missed one payment since the account has been opened. They are never cooperative over the phone and send only dumb form letter responses to my written request. " The requested action can not be taken at this time because the account is closed. '' I just want them to stop sending me statement in the mail. Period. I will make phone payments if I have to, but I do not want paper statements. They are completely ignorant and even the branch office of the bank can not help. I will never again have any account affiliated with Capital ONE. What in the term " customer service '' do they have difficulty with?
Product: Consumer Loan

My vehicle was claimed as exempt in my ch XXXX bankruptcy. 
{$0.00} I have a no asset case. 
Portfolio recovery agency who is NOT the leinholder repossed my vehicle and requires {$26000.00} to buy my vehicle back. ( sidenote : this is more the purchase cost of the vehicle I bought in XXXX ) ( I filed ch XXXX in XXXX and converted to ch XXXX XXXX XXXX ) I am disputing this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete the following accounts from my credit report as I was a victim of disaster. This is a valid dispute and this is my second request. You are not on my side because you are inaccurately and illegally holding me accountable for items that should not be on my credit report.
Product: Student loan

Over the past 5 or more years we have requested that Navient work with our daughter ( a single mother  of XXXX ) and us ( co-signers who are retired ) to buy some time and reduce stress so our daughter could eventually be in a situation to make regular payments on her student loans. We have made several regular and partial payments over a long period of time and yet continue being harassed by Navient with phone calls and with refusal to work with our daughter.

When we do ( which is rare ) answer one of their calls and request repayment based on discretionary income basis, etc. we are denied any assistance and get hounded about making full and immediate payment.

Our daughter is working hard to support her family but does not make enough income to make full, or at times, partial payments. My wife and I are both retired and social security benefits are our primary source of income for paying our bills, etc. We are confident that with time, our daughter will be able to repay what she can as she can but, Navient doesn't seem willing to work with her or us. They are rude over the phone and unresponsive to written communication.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX PayPal permanently limited my account with them, and froze my remaining balance. The account held {$2000.00} in revenue for selling goods. All of my sales were legal and in good standing. I contacted PayPal on XX/XX/XXXX via telephone, and I was told that my account was permanently banned, and they did not state the reason. I asked about my money still in the account, and the representative told my the money would be held for 180 days, after which I would receive an email on how to claim. On XX/XX/XXXX, PayPal debited my account the entire {$2000.00}, stating it was to pay for damages to the company. I reached out to the XXXX to complain, and today XX/XX/XXXX I received a response stating they banned my account for possible ammunition sales. They still refuse to refund the money. I understand they can ban my account, but I do not understand how they can lie, string someone along for 6 months, then steal the money that is left in the account for damages. A quick XXXX search regarding this issue will reveal this is not an isolated case. PayPal is continuing to perform fraud and theft in regards to their vague acceptable use policy for which anyone can violate for a multitude of reasons. PayPal should do the right thing and refund not just my money, but the hundreds and probably thousands of others this has been done to.
Product: Credit reporting or other personal consumer reports

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX XXXX and XXXX XXXX
Product: Mortgage

I filled out a form for info about Cross Country Mortgage. I received a call advising of services offered. I decided not to move forward with their products and requested to be placed on their " do not call list ''. The company calls every day from a different number. Each time I answer the call and ask not to be called any more. I also block the number. They keep calling daily from a different number, in violation of my my multiple requests.
Product: Checking or savings account

On XX/XX/XXXX I was the victim of a crypto scam. The criminals posed themselves as investors and had me transfer money to XXXX. My intention was to transfer it back but it was stolen. This caused the business that I am a co-founder of go into the negative. Chase bank closed this account and I had no idea. They transferred XXXX of my personal funds into the business account after it closed without my authorization. I called chase bank to ask them to take off overdraft protection but they still allowed the account to be overdrawn. I had money in all of my personal accounts. On XX/XX/XXXX my cards stopped working and I called the bank. They told me that my accounts will be closed and a check mailed within 30 days with my balance and the companies debt would go to collections. All of my money was in chase. I am visiting XXXX and have no access to food, funds shelter etc. I went to a branch on XX/XX/XXXX and asked for money to be withdrawn. I was told that this couldnt happen. I provided the police report and FBI report with the crime I was a victim of. I was also told that my personal funds would be used to cover the debt of the business account and that I would be mailed a check for the remainder. I provided our company structure agreement to show that I am not the sole owner of this business and that I do not consent to my personal funds used to cover the business debt, the business debt needs to be settled separately. A letter from my lawyer has also been sent.
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 items 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 ITEMS. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

there are two accounts listed on my credit report that DO NOT BELONG TO ME. I was a victim of identity theft during this time frame. I have filed a police report previously and filed a dispute with XXXX XXXX XXXX XXXX regarding this matter. The accounts are under the name XXXX XXXX XXXX XXXX ( 977 ) owed and {$210.00} owed. Under same account name. I investigated further and I need this debt removed from my credit report. Also XXXX XXXX XXXX  is reporting ( 2 ) accounts under CLOSED in my 3 credit reports. Claiming two seperate accounts one in the amount of {$1100.00} owed and the other with {$710.00} owed. Both of these accounts were opened online when someone stold my wallet and stold my identity. Te had access to my ID my social security card and my mailing address informtion. All 4 of these acconts are being reported fradulently on XXXX XXXX AND XXXX. Please remove credit debt from my report.
Product: Debt collection

I never in my life had sprint I lost my wallet the year of 2022 with my social security number and identification in and ever since then stuff started popping up on my credit report PLEASE REMOVE THIS FROM MY CREDIT FILE
Product: Credit card or prepaid card

Reviewed my credit report last month and is showing ( JPMCB ) as reported balance of {$4100.00} with all National Credit Bureaus. In the past I have requested validation of this alleged account of which I have yet to receive.
Product: Credit reporting or other personal consumer reports

I have become aware that despite submissions accompanied by an FTC report, reference number XXXX, the necessary file deletions have not been executed. In accordance with Section 605B of the FCRA, this certified letter is intended to establish grounds for legal action if necessary. Additionally, I have included a new FTC report with reference number XXXX. Should you fail to remove the inaccurately reported inquiries listed below, which arose from errors in credit reporting, I will transfer my documents to my legal counsel to commence litigation. It is not my desire to pursue legal action, so I urge you to comply with the statutory requirements and delete the unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  You are hereby notified that you have four business days to expunge any inaccuracies in my credit report stemming from flawed credit reporting practices. I explicitly do not agree to the use of E-OSCAR or any automated verification systems.