23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I refinanced this car loan and the new company made sure that Global Lending Services received my payoff check by XX/XX/XXXX in order to avoid any further credit reporting. Global Lending Services has diligently reported my car loan payment on the last day of every month since I had the loan in XXXX. I made sure they had at least 1 month payment by the last day of each month to avoid being credit reported for 60 days past due so only to be reported for 30 days past due. I made a complaint due to XXXX XXXX reported my loan as 30 days past due on XX/XX/XXXX the same day they received my payoff check on XX/XX/XXXX for {$12000.00} and they are refusing the correct this credit reporting of 30 days to show paid as agreed. I brought the account up to date and current back in XX/XX/XXXX and XX/XX/XXXX to avoid any further credit reporting while i refinanced the vehicle loan and it was reported as paid as agreed on XX/XX/XXXX and I was assured by a rep at XXXX XXXX on XX/XX/XXXX that since the payment was received the same day that it will be corrected and how they are refusing to correct the reporting. In the letter they advised that due to the account being 30 days past due when the payoff was received by law they have to report the 30 days past due as of that same day even though they got a payoff check that day which makes absolutely no sense to me what so ever. If I would have made my payment of {$500.00} that day it would not have been credit
Product: Checking or savings account

I was using the chase app and was logged into the application. 

I left my phone whilst stepping away and someone used my account through my phone and made an unauthorized transaction through the XXXX XXXX, they added a new recipient without my consent and sent {$1500.00} to their friends account. Usually one has to be careful about their wallet however now in the 21st century you also have to now be very careful over your phone and your wallet it seems. 

I immediately reported the fraud to the bank within XXXX XXXX and waited XXXX  days for a response from the bank. 

The bank denied the claim and their reasoning was that their investigation was that there was no sufficient outliers to classify the transaction as fraud as it was line with regular account activity. The person who took my phone added a new recipient via the chase app and then sent {$1500.00} and this was clearly outside of regular account activity as I only add people on my phone contact list and usually its for smaller sums. 

This was a large sum of money and I should have been protected by the Electronic Fund Transfer Act as this was a transaction made without my consent. My bank denied the claim and I am now looking to join a class action against XXXX. 

I will be closing my bank account and changing my bank as a result of this as well if a unsatisfactory outcome is reached. 

A very frustrating experiance and XXXX needs to add much more protections in adding a new recipient i.e. entering your checking account pin or confirming personal details such as maiden name or secret question like other international banks when adding recipients and even where that person is already a recipient more security like the above examples should be involved when sending sums over {$500.00}
Product: Student loan

On XXXX XXXX, 2017 I asked Navient to provide me with ALL documentation for my loans. They only provided 2 Promisary Notes for my Private Signature Student loans. I have NO documentation on my federal loans. Further more, I do n't know the specific amounts of interest, fees, or principal that I have paid on any of my loans. I suspect they have not been applying them properly which is why after 12 years, I have paid $ XXXX, which is more than my total amount borrowed, yet I still owe them a ton! I believe they are being unethical and at this point my debt should be forgiven.
Product: Debt collection

Upon seeing my credit report, it pays my attention that the following accounts are inaccurate and fraudulent. I am a consumer by law. I am not happy about it what I saw. This hurt my credentials as a consumer. Here are the listed details of the account with discrepancies : Account Name CREDIT COLLECTION SERVIC Balance {$100.00} Account Number ******** the address for the company is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. 

Phone number : ( XXXX ) XXXX Date opened : XX/XX/2022 I've tried to call multiple times but no-one answer me
Product: Credit reporting or other personal consumer reports

I called experian on XX/XX/year>, to file a credit dispute. I dialed ( XXXX ) XXXX. I spoke to a female dispute agent on or around XXXX XXXX  PDT. The female agent disconnected the call at the very beginning. This is call-avoidance and violates certain consumer laws. This is not a one-time isolated event. Experian has a pattern and practice of phone calls disconnecting on consumers and it is inappropriate. It gets worse, I called experian back on or XXXX XXXX PDT. This time it was a female agent from XXXX XXXX. All of a sudden she stopped talking. There was a long moment of silence. My phone was still connected so I know it wasnt my phone that disconnected. Please see case complaint no. : XXXX. 
I seek to hold Experian accountable. In addition, I have the phone calls recorded as evidence.
Product: Checking or savings account

I contacted Chase Bank on XX/XX/18 regarding the unknown charge. Chase Claims Specialist, XXXX, stated she can not remove the unknown charge for the merchant, XXXX XXXX already credited to my Chase account. I informed XXXX, Chase Claims Specialist that the unknown charge should not be on my Chase checking account, for it is not my charge. XXXX, Chase Claims Specialist ignored my request and stated that the unknown charge has to remain on my checking account.
Product: Credit reporting or other personal consumer reports

I filed a complaint, XXXX, about PNC Bank XXXX XXXX of XXXX about the mistakes their branch representative made regarding our credit card consolidation wherein we had two late payments tacked onto our credit report for doing what the representative told us to do. In XXXX of XXXX, we received notification from XXXX XXXX in XXXX Client Relations of PNC that they would be removing the XX/XX/XXXX late payment off of my and my wife 's credit report but not the XX/XX/XXXX late payment : PNC Reference # XXXX. I contacted PNC Customer Service in XX/XX/XXXX to inquire as to why our credit reports had not shown the adjustment. PNC representative XXXX XXXX advised she would look into it. XXXX XXXX contacted me back and apologized advising that their credit bureau XXXX would send a letter to the credit bureaus to have the late payment removed. Here it is XXXX XXXX going into XXXX and the credit reports have not shown the reflection for our credit reports. I am so sick of this mess with PNC. I want the adjustment made to our credit reports for XX/XX/XXXX ; really should be for XX/XX/XXXX because they are admitting to the misrepresentation by the branch representative and removing one ( whacked thinking ) but we'll take what we can get at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called and sent in letters to all 3 credit bureaus Experian, XXXX and XXXX XX/XX/XXXX and XXXX 2022 by phone, I also sent in dispute letters on XX/XX/XXXX, asking that all incorrect names, addresses, phone numbers, spouse and employers be removed. I have also asked for them to verify accounts that are on my credit report because they aren't my accounts as I have been a victim of identity theft twice. The credit bureaus have failed to do so, and it has hurt me in getting approved for housing and other credit due to inaccurate information being reported. 
They have failed to verify accounts and remove all incorrect information. I have also asked that any correspondence be sent by mail and they have ignored that request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX XXXX. I am writing to delete the following information in my file. The items I need to delete are listed in the report. I am a victim of identity theft and I did not make the charge. I am trying to get a new card and these items reported wont get me approved. I am asking the items be deleted to correct my report. I have reported the theft of my identity to the Federal Trade Commission and I also have enclosed a copy of the Federal Tade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Debt collection

I am being contacted by Commenity Bank on XX/XX/XXXX and XX/XX/2019. They are looking for a relative. They are calling my mobile phone number. I never provided them with this number. I do not wish to be contacted or involved. I have asked that they cease calling me. I can not believe that a company has the audacity ( much less the legal right - but apparently they do ) to call a totally uninvolved party seeking information on someone they think owes them a debt. Apparently, they go " sleuthing '' through the Internet to identify people with the same surname. Talk about an invasion of privacy!
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNT # XXXX HAS NO 30/60/90 PAYMENT HISTORY, THIS ACCOUNT SHOWS A OPEN DATE OF XX/XX/XXXX. EXPERIAN IS NOT REPORTING 100 % ACCURATE INFORMATION ON MY CREDIT REPORT, THIS IS A MAJOR VIOLATION OF MY RIGHTS UNDER THE FCRA AND FDCPA. P.S. I HAVE NO KNOWLEDGE OF ACCOUNT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I send an opt out letter to XXXX, Equifax, and XXXX. On XX/XX/2022. I haven't got a response from any of the companies above.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} 15 U.S.C, 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I transferred money from my PayPal to my XXXX bank account. PayPal said the transaction was complete but my money never showed up in my bank account. The amount is XXXX They have basically told me the transaction is complete and cant do anything else! My bank has done every investigation possible and can not locate the money PayPal says they released to my bank. 
PayPal will not do anything to help locate the money or work with me to figure out where my money is. Im still missing my XXXX and all they say is the money was put into my bank account which is NOT TRUE .. no money went into my account. I have sent numerous messages to PayPal and received replies that nothing can be done. PayPal phone representives are not taking calls so communication is through messaging on the App only! 
This is a lot of money and it belongs to me.
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. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XX/XX/2022 XXXXXXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, DEPT OF EDUCATION / 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 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.
Product: Credit card or prepaid card

I made a purchase in XXXX store on XX/XX/2018 for XXXX XXXX Then 2 months after i have noticed that my account was charged twice for that : once for XXXX on XX/XX/2018 on my XXXX statement and second time on XX/XX/2018 on my XXXX statement. I have filed a dispute to the company but they sent me some XXXX letter ( please find attached as well as screenshot of my credit card activity where it is shown that i have 2 charges for the same date for exact same amount and screenshots of my XXXX and XXXX statements where those amounts are shown ). This story is continuing for more then a month. I'm sick and tired to continue calling them and endlessly talking to either robot or people who are not listening carefully to what I'm saying to them!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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 alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX Balance : {$19000.00} ; XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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. 

Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX  XXXX XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

On XX/XX/XXXX my wife and I were talked into purchasing a solar panel system from XXXX XXXX XXXX. We resisted but were finally convinced by the argument that we would be able to pay the financing fees from the money saved on our electrical bill. This very soon proved to be false and in XXXX XXXX  XXXX we made a complaint to the Division of Consumer Affairs, Tennessee. We strongly requested that the solar panels and associated equipment be re-possessed and all monies paid by XXXX returned to them. Didn't happen. 
In XXXX XXXX  XXXX we were informed by the DCA that XXXX XXXX was put under receivership by the states of Tennessee and Kentucky due many complaints like ours. We repeated our request for the equipment to be re-possessed and informed XXXX of this. Still didn't happen. 
XXXX are now chasing me for payments on the loan, calling me with threats of damage to my credit. 
We can not afford both the electric bill and financing payments as we are XXXX  living on social security. I have spoken with XXXX telling them that they are very welcome to send a technician to remove and re-possess the equipment.
Product: Credit card or prepaid card

So first off let me start off by saying. I have a XXXX so if this is hard to understand thats why. So my story now. I have a credit card with Capital One. I am trying to fix my charging privileges and restricted status on my account. I have sent them certified letters, I emailed them, And I have called them. But I feel like I am getting treated with neglection. They told me I was suppose to pay off my bill by a certain date. They also said I have recovered a award letter to get my privileges back. But sense I did n't pay the bill by the certain date they revoked my privileges. But I am disputing this item for you to review because I did pay this item by a certain date. But the only problem is there posting period took longer then usual. So they revoked my privileges. I am willing to work with this creditor I tried. But they did n't work with me. So if they do n't work with me. I will be releasing a public press release online about this company for neglect ion and unable to work with someone that has a XXXX that just wants to rebuild there credit. So if you can work with this creditor and get them to work with me that would be progress. I feel like I have been treated with neglection here. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE CONTACTED XXXX AND CAPITAL ONE SEVERAL TIMES XXXX SAYS AN ACCOUNT IS VERIFIED AS ACCURATE HOWEVER THE COLLECTION AGENCY WHO PURCHASED THE ACCOUNT FROM CAP ONE VERIFIED THE ACCOUNT WAS FRAUD AND REMOVED IT. 

FTC REPORTS AND POLICE REPORTS HAVE BEEN FILED AND SUBMITTED TO XXXX FOR EVIDENCE OF FRAUD AND ID THEFT FTC REPORT # XXXX IS FOR CAPITAL ONE ACCT XXXX THE ACCOUNT IS CLOSED. 

XXXX WAS ASKED IN XX/XX/2022 AND XX/XX/2022 TO PROVIDE INFORMATION TO VALIDATE XXXX SIMPLY STATED THEY ARENT REQUIRED TO GET DOCUMENTS FROM THE DATA FURNISHER. 

1 ) I ASKED XXXX TO PROVIDE THE METHODS USED TO VERIFY THE ACCOUNT 2 ) THE NAME AND ADDRESS OF THE PERSON WHO VERIFIED THE ACCOUNT 3 ) PROVIDE THE DOCUMENTS USED TO VERIFY THE ACCOUNT. 

AS OF XX/XX/2022 XXXX IS STILL VIOLATING MY RIGHTS UNDER THE FCRA UNDER FCRA 611 ( 5 ) ( A ) OF THE FCRA- YOU ARE REQUIRED TO PROMPTLY DELETE ALL INFORMATION THAT IS INCOMPLETE OR WHICH CAN NOT BE VERIFIED. 
ITS ALSO MY UNDERSTANDING THAT UNDER THE FCRA 15 U.S.C 1681 ECERY SINGLE ONE EVEN EACH ANY OR ALL THE UNPROVEN, NON-COMPLIANT, UNTURE OR INCORRECT AND UNDERIFIED ASPECTS OF ANY ALLEGED DEROGATORY ACCOUNTS MUST BE PROMTPLY NEGATED IN ITS ENTRIETY OR THE ALLEGED ACCOUNTS ARE TO BE REMOVED I AM NOW ENACTING MY COMSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL WITH PERSMANENT DELETION OF THESE DEROGATORY ACCOUNTS OR PROVIDE TESTIMONY AND CERTIFICATION THAT YOU ARE ADHERING TO MANDATED METRO 2 DATA FORMATTED REPORTING STANDARDS ACCORDING TO REGULATIONS BY THE PROVISIONS OF THE FCRA AND PERS THE STANDARDS OF REPORTING COMPLAINCE I, PLEMENTED WITH THE CRSA ENACTED CDIA METRO 2 COMPLIANCE REGULATIONS, I DEMAND THESE ACCOUNTS BE REMOVED PLEASE UPDATE MY REPORT AND SEND ME A COPY
Product: Debt collection

I paid XXXX to a collection agency on XX/XX/XXXX with no receipt of payment besides showing my XXXX card was charged for the money. XXXX XXXX  XXXX  then sent this to another collection agency and the charge was disputed and removed from my credit report. Another agency recently ( XX/XX/XXXX ) states they obtained the debt and I still need to pay. This bill has been paid off and XXXX XXXX XXXX now continues to haunt my life.
Product: Checking or savings account

My XXXX Account was hacked by a XXXX XXXX XXXXXXXX account method. And, their Customer Service was not helpful after I brought this issue to their attention.
Product: Credit reporting

This was paid same month due!!!!! Never received info from doctor 's billing correction. This was submitted one year ago as to their error! Please correct this inaccuracy immediately!!!!
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 or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block 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. Here is the list of items which do not belong to me or were opened without my permission. XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$790.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$240.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$3300.00} XXXX  XXXX Balance : {$14000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$300.00} XXXX XXXX Original Creditor : XXXX  ) XXXX Balance : {$0.00} XXXX ( Original XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX {$620.00} XXXX ( Original XXXX XXXX XXXX ) XXXX Balance : {$100.00} XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.