23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Numerous items purchased via the XXXX XXXX XXXX for the XXXX game XXXX XXXX are no longer accessible to me, and I therefore require a refund for all items. I was unable to process refunds through XXXX 's " Report a Problem '' interface, and XXXX XXXX XXXX were also unable to initiate refunds for me, and directed me to pursue chargebacks through my credit card servicers. However, it is not possible to initiate disputes for purchases over 30 days old using Chase 's website, and there does not seem to be a mechanism to do so over the phone. This matter is also time sensitive : until all chargebacks have been processed, my XXXX XXXX will be disabled, and I do not have access to News, Cloud storage, Photos, my Chase App ( which requires updates ), recipes, any music, etc. If I could have initiated this dispute with Chase directly, I would have done so. 

I have also included the list of the charges in dispute in a separate attachment, and most importantly, a letter containing a detailed description of the violation of Terms of Service committed by the App in question and merchant XXXX. 

The charges in question are as follows, listed in " XXXXXXXX XXXX XXXXXXXX '' format in reverse chronological order : XXXX, {$7.00} ; XXXX, {$30.00} ; XXXX, {$52.00} ; XXXX, {$100.00} ; XXXX, {$14.00} ; XXXX, {$12.00} ; XXXX, {$10.00} ; XXXX, {$5.00} ; XXXX, {$2.00} ; XXXX, {$52.00} ; XXXX, {$52.00} ; XXXX, {$83.00} ; XXXX, {$100.00} ; XXXX, {$20.00} ; XXXX, {$20.00} ( posted XX/XX/30 ) ; XXXX, {$52.00} ; XXXX, {$52.00} ; XXXX, {$52.00} ; XXXX, {$5.00}, all of which correspond to In-App purchases in the game XXXX XXXX made through XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove them promptly and ensure that they do not reappear.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXXXXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX BANK # XXXX, has violated my rights. 
XXXX BANK XXXX # XXXX, has violated my rights XXXX XXXXXXXX BANK # XXXX, has violated my rights. 
XXXXXXXX XXXX  XXXX XXXX, has violated my rights. 
XXXX  # XXXX has violated my rights. 
US DEPT OF EDXXXX # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Money transfer, virtual currency, or money service

My XXXX payment is sent through money network. The deposit was sent in a debit card and when I try to verify the acct they said it cancelled the debit card and needed to send a check because of identify verification failed. They have been saying they sent the XXXX different times check since XXXX XXXX that theyve sent it. It hasnt returned or they havent received it returned, I know they are lying With no tracking or check number. They are not providing check number and every time they cancelled they keep saying it take 14 days to wait for cancellation and re sent check 3 times been almost 5 months and they are just giving me the run around
Product: Credit reporting, credit repair services, or other personal consumer reports

Below is my dispute letter sent to the creditor along with the important dates : ************************************************** Hello, I will explain the timeline of events below and why I feel that I should not have a delinquency on my credit report. 
XX/XX/XXXX - My monthly payment is normally {$340.00}. I was behind a month so I paid {$690.00}. My bank account was charged {$1300.00}. 
XX/XX/XXXX - I notice the over payment and call to have {$690.00} refunded to my account. They tell me it takes 30 days to process I should see funds by XXXX XX/XX/XXXX - I notice my account is still showing delinquent even though they are in the process of refunding my money. I ask and they say it never got processed and that it would be another 30 days to receive funds. At this point I tell customer service to not write another check. I told the representative to cancel the refund and credit my account. The {$690.00} would have made me current up to XXXX so this made the most sense to me. They tell me it takes 7-10 days to cancel but the account will be current and there will be no late fees. 
XX/XX/XXXX - My grandmother gets a harassing email. I check on the account and they say I am 70 days delinquent. I asked what happened to the refund check cancellation and account credit, they tell me that didn't happen and that they wrote a check for the refund on XX/XX/XXXX. When I asked why they wrote a refund in XXXX even though I cancelled the refund in XXXX I received a no answer XX/XX/XXXX - I make a payment of {$340.00}. I believe this payment should be for XXXX, however since my account was never credited this payment went towards XXXX. 
XX/XX/XXXX I make another payment of {$340.00}. I believe this should be for XXXX, it went towards XXXX XX/XX/XXXX I finally receive the refund check. 
XX/XX/XXXX my credit repair representatives notify me of a delinquency showing up on my credit report. I call AES and the representatives tell me to fill out attached dispute form. Also, I pay the remaining {$690.00} the same day In summary, I would like to have the delinquency removed from my credit report since your representative assured me that my refund check would be cancelled and my account would be brought current on XX/XX/XXXX. For some reason that did not happen and I do not feel my credit report should reflect miscommunication from your organization. I have been working very diligently on repairing my credit report and this delinquency is cause severe damage to my credit. Thank you for reading my dispute and I look forward to hearing from you with a resolution.

************************************************* B
elow is an updated time line of the dispute : XX/XX/XXXX I was working with a company called XXXX XXXX XXXX and they were to fax my dispute letter in XXXX. I never hear a resolution. The email directly to AES regarding the status occurs on XX/XX/XXXX XX/XX/XXXX I receive a dispute response from AES and they deny my dispute and take no action. I now file a complaint with the consumer financial protection bureau.
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 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 and 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: Credit reporting, credit repair services, or other personal consumer reports

Viewed credit report and it shows that XX/XX/XXXX payment is not showing correctly. It shows 30 days late when that is inaccurate. Payment of {$500.00} was due XX/XX/XXXX. A payment is {$250.00} was paid on XX/XX/XXXX, at XXXX XXXX  confirmation number XXXX. Another payment of {$250.00} was made on XX/XX/XXXX, at XXXX XXXX  confirmation number XXXX. Called XXXX and spoke for a supervisor at XXXX Bank, he verified that the payments were made correctly. A total of {$510.00} was made for the month of XXXX. Also, all dates listed need to reviewed. 
Current payment history XX/XX/XXXX - 30 Days Late XX/XX/XXXX - 60 Days Late XX/XX/XXXX - 30 Days Late XX/XX/XXXX - 60 Days Late XX/XX/XXXX - 30 Days Late XX/XX/XXXX - 60 Days Late XX/XX/XXXX - 30 Days Late Previous reported payment history XX/XX/XXXX - 60 Days Late XX/XX/XXXX - 30 Days Late XX/XX/XXXX - 60 Days Late XX/XX/XXXX - 30 Days Late XX/XX/XXXX - 60 Days Late XX/XX/XXXX - 30 Days Late XX/XX/XXXX - Current
Product: Credit reporting, credit repair services, or other personal consumer reports

I called EXPERIAN on XX/XX/2022 at XXXX to report inaccurate information from alleged creditor name by DEPT OF EDXXXX. The alleged creditor DEPT OF ED/AIDVANTAGE is a third- party collector which is a violation of 18 U.S.C. 1028A AGGRAVATED IDENTITY THEFT, which is lawful to contact a third party with my private and personal business. I, the consumer never gave EXPERIAN permission to take my information. 

EXPERIAN have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. This account is not mine not is the alleged debt, nor did I have a contract to do business with DEPT OF EDXXXX. EXPERIAN has failed to provide one, the consumer with any accurate validation in writing pursuant to the FAIR CREDIT REPORTING ACT, 15 USC 1681g, I expressed my right for full disclosure to me of all the documents they have recorded and retained in the consumers file at the time of requested concerning the alleged account to support EXPERIAN claims on my credit file. 

Furthermore EXPERIAN has claim they are doing an investigation Pursuant to 15 U.S. Code 1681a ( e ) which defines an investigative consumer report as a consumer report in which information on a consumers character, general reputation, personal characteristics, is obtained through personal interviews with neighbors, friends, etc., who may have information of any items on the consumer file which you will have to show me proof via affidavit of fact under penalty of perjury ; Which EXPERIAN is in violation because I was not given any type of these reports in this investigation. 

Pursuant to 15 U.S. Code 1681 ( b ) The Congress requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, and other information in a manner which is fair and equitable to the consumer with regards to the confidentiality, accuracy, relevancy, and proper utilization of such information. As a consumer I demand you remove the accounts listed below Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) which comprehensibly states that the only permissible purposes of consumer reports by any consumer reporting agency furnish a consumer report only under the following circumstances and no other and is in accordance with the written instructions of the consumer to whom it relates.
Product: Credit reporting or other personal consumer reports

The XXXX XXXX account was deleted from my credit report 2 times and Experian keeps adding it to my credit report. I am so tired of these credit bureaus and the way that they do illegal things. I disputed this account and waited the whole 30 days as required by law and now they just added the same account to my credit report.
Product: Debt collection

I was contacted by a male who identified himself as XXXX from XXXX XXXX on XX/XX/2018. He asked to leave an urgent message about a financial issue ( read : debt ) for a person who was not known to me. I informed him that I was not a member of XXXX XXXX, nor was I the person he was trying to reach, and that I believed he was involved in a scam based on his willingness to leave a message about a debt with someone who did not know the person he was trying to reach. I asked him to stop contacting me. I have received several phone calls from other numbers, and from unlisted numbers, from the same person and requesting to speak to the same person. This is harassment, and I do not know the person they are trying to collect a debt from. The calls have occurred as late as XXXX XXXX. in my time zone.
Product: Credit card or prepaid card

American Express sent me a later stating the account was wrongfully closed and to call to reopen my account for my Platinum Card. When I called the letter was acknowledged but each time I call I am hung up on transferred to the wrong department. The Financial Review team lied to me, made discriminatory remarks about me being XXXX XXXX, and pretended that the letter does not exist. American Express is clearly attempting to hide something despite the numerous letters it has sent to acknowledge its mistake.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

ACCOUNT NAME XXXX XXXX XXXX XXXX  ACCOUNT XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX to ask if they could help with my payments as I lost a job in XXXX of 2021. 
I asked for interest only payments or some plan to ensure I stay current. 
I made it clear I could make my payments but would like help to preserve cash flows until I got a new job or received unemployment. 
They said they could pause my payment. 
They made no mention they would report my payment as late to credit agencies. 
I never agreed to that plan if they would have said we will pause the payment but affect your credit. 
I made it clear I could make my payments and did not a want my credit affected knowing I could make the payments and would have income soon. 

They then paused my payment and 2 months later reported me as late on the payment even though it was auto drafted and paid. 

On XX/XX/XXXX, I called to speak with them about the issue and they said they would open a claim with the QA department and contact me within 72 hours. I also stated that they need to hear the recording so that they know I did not agree to the plan if it affected my credit or that they did not mention it would affect my credit as I would not have agreed to that. 
I did not receive a call back within 72 hours or at all. 
The information is still on my credit. 
I called back on XX/XX/XXXX and they said the claim was submitted but no other information was given except that I missed a payment. They had no other info and would not offer any info on the recorded call or what was agreed to or not agreed to. 
They said a QA department reviewed it in secrecy and would not disclose the details of the call. They stuck to their claim my payment was late. 
Not only are these actions illegal but immoral and wrong. 

Ive made my payments. 
They need to remove the late payment remark on my credit fully, not add a not but remove it and reinstate paid on time and fix my credit. 

My credit score dropped 75 points!
Product: Debt collection

A few weeks ago, I received a phone call. The man on the phone stated they were trying to collect a debt. I strongly believe this is a scam. Today, I received two letters by mail stating I owe the XXXX XXXX XXXX Florida almost XXXX XXXX dollars. The debt collector claimed they work for XXXX XXXX XXXX XXXX. I've never heard of the XXXX  XXXX XXXX Florida. I've never attended the XXXX  XXXX XXXX Florida. I've never taken an online course from the XXXX  XXXX XXXX Florida. They claim the debt is from 2016. I don't even think I was in Florida in 2016. I believe they are scammers pretending to be a debt collector. 

The letters and phone calls I received are causing me stress. I would like them to be brought to justice. I believe they are scammers trying to defraud me. I've never heard of the XXXX  XXXX XXXX Florida.
Product: Credit reporting or other personal consumer reports

I opened an Indigo credit card/ genesis, FS card services in early XX/XX/XXXX. I XXXX XXXX XXXX Was never late on a payment ever never went past my maximum credit limit of {$300.00} I had a fall paid as agreed on all three credit bureau/agencies for about 18 months. Now I got XXXX on XX/XX/XXXX at the time I do believe I owed indigo right around {$70.00} is what my balance shouldve been. I disputed my indigo account with XXXX XXXX and I dont believe I disputed it with XXXX just as of yet, the reason being is I was not disputing the indigo account saying it was fraudulent. It was my account I opened the account and early XX/XX/XXXX and like I said always paid as agreed never went even close to my {$300.00} credit limit most of the time Very low balance anyway was held without bail on XXXX XX/XX/XXXX while I was sitting at the XXXX XXXX XXXX XXXXr got my wallet and my tablet from out of the vehicle that the XXXX XXXX Police Department towed to their impound lot, and then auctioned off the vehicle Right around XXXX late XXXX I discovered all my accounts have been compromised. I let my case XXXX XXXX XXXX know and she allowed me to make as many phone calls as she could be in as busy as she was would be the only case manager for a lot of XXXX my point for this complaint is and I already contacted indigo/Genesis FS card service bank. I did not want my indigo account to just be disputed and took an off of my credit report all together I wanted the truth to be reported and that was for over 80 months I paid as agreed, and once I got incarcerated, I was a victim of identity, theft and unauthorized use of my credit card or my credit card and all my bank cards were used. I filed a police report online. I have it all document ties so I will be sending documents to indigo Genesis bank, FS card services And I will be sending copies to all three major credit agencies also because under the credit report and act a credit account that was rifle mine and was being paid on on time every month for over 18 months actually help my credit so I feel like them keeping the collections on my credit report hurt me and my credit score and them taken the indigo account off. My credit report hurt me even more because it wouldve showed nothing but on time payments for over 18 months right before I got detained and incarcerated and was offering me there upgraded card which I cant remember what its called in the rewards or something like that Ill submit the documents I have now, but I also will be submitting more documents via US mail to indigo/Genesis FS card services, Bank, and all three credit credit agencies
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit inquiries on my report that i don't recognize or I never authorized.
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 : XX/XX/XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : XXXX XX/XX/XXXXAccount Number : XXXX Account Name : XX/XX/XXXX Account Number : XXXX Account Name : XX/XX/XXXXAccount Number : XXXX Account Name : XXXX Account Number : XXXX and 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: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year>
Product: Vehicle loan or lease

In XXXX was leasing a XXXX XXXX XXXX XXXX XXXX. On XXXX, XXXX I made a lease payment of {$3300.00} which posted to my account. The intent was to pre-pay 6 months of payments, XX/XX/XXXX I was contacted by XXXX XXXX a salesman at the Hyundai dealership located in XXXX XXXX, Minnesota offering to get me out of my lease on a XXXX XXXX XXXX XXXX XXXX and replacing my vehicle with a XXXX XXXX under a new finance offer of 0 % financing and 3 months deferred payments. I clearly understood the terms. On XX/XX/XXXX I agreed to the terminating the lease and purchasing and financing of the XXXX XXXX. The XXXX XXXX XXXX dealership said I needed to talk with Hyundai Finance USA in regards to the refund of my {$3300.00}. It took until XX/XX/XXXX for XXXX XXXX XXXX account to reflect a closed account. I was told by the finance service rep that the refund and a monthly payment refund should be processed " soon ''. As of today, XX/XX/XXXX. I have talked to 7 finance representatives, XXXX on XX/XX/XXXX, XXXX XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX  XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. All of these reps made notes in my file. I know this because I would insist they read them while I was on the phone with them. 
Some of them said they were a supervisor only to be told that they would send an email to the finance department in regards to my account. They were all very thorough but said the email was all they could do. I've asked to talk to someone in finance but they said emails from the rep was the only way to communicate with that department. As of XXXX XXXX XXXX, the rep quoted from the notes in my account that I am still owed {$550.00} plus {$2100.00} a total of {$2700.00}. 
I really need this money to make the future payments on the XXXX XXXX. I thought this would be an unquestioned situation.