23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX, XXXX and XX/XX/2021 Carter Young Inc was notified by phone and email that the account associated to me is fraudulent. I submitted a police report and ftc report yet they so keep harassing me and the account is so on my credit report. I do not owe any amount to Carter Young Inc
Product: Credit reporting, credit repair services, or other personal consumer reports

So I called XX/XX/2022 and XX/XX/2022 to remove personal information that I do not want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.
Product: Debt collection

The creditor has not provided the following information to support the alleged debt : 1. name and address of the original creditor 2. a copy of the original signed contract, 3. delegation of authority giving you the authority to collect the debt 4., and a complete accounting / statement of payments with interest and fees associated with this debt.
Product: Credit reporting or other personal consumer reports

A fraudulent account was opened in my name on XXXX XXXX with XXXX XXXX. Ive contacted the creditor and attempted to have it removed as well as disputed the account with the credit bureau. The account now reports as XXXX XXXX with no Validation of contract and existing business as requested. Nothing was received within 30 days or ever therefore my consumer rights were violated and Im prepared to pursue litigation. The account is reflecting a balance of {$810.00} and Experian is allowing the account to report without proof of my business dealing with this company.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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



Open Accounts : 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 UNAUTHORIZED INQUIRIES : XXXX XX/XX/2023 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX reporting fraudulent hard inquiries-XX/XX/XXXXXX/XX/XXXX Equifax reporting fraudulent hard inquiries XX/XX/XXXXXXXX reporting fraudulent hard inquiries XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX XXXX : {$480.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXX XXXX  account # xxxxxx XXXX has violated my rights. 

15 USC 1681 section 602 ( A ), states I have a Right to Privacy 15 USC 1681 Section 604 ( B ) section ( 2 ), also states a consumer reporting agency can not furnish a consumer report without my written instructions. 

I reserve all Rights to privacy and have not given written instructions to furnish the reporting of this account.
Product: Checking or savings account

I am submitting a complaint regarding Chimes mishandling of my dispute for unauthorized XXXX transactions that occurred throughout late XXXX and early XXXX. Despite my detailed claim and the fact that all the disputed transactions involved the same merchant, Chime has only issued a partial resolution and failed to provide a reasonable explanation for their decision. 

Chime acknowledged that an error occurred, but has denied the remaining claims without any clear explanation. They have stated that no error occurred for the other disputed transactions from the same merchant, which makes no logical sense given that the nature of the dispute is identical across all transactions. There should be consistency in their resolution, and the remaining transactions should also be considered unauthorized. 

Chimes statement that they have reversed all applicable fees is also questionable. If some of the transactions from the same merchant were unauthorized, why would the other transactions not incur applicable fees, especially given they are part of the same unauthorized activity? 

Chime does not offer a reasonable communication method for customers to address dispute concerns. They do not provide an email address for direct contact or a chat feature with access to real human agents. All communication is funneled through automated responses, leaving customers with no effective way to get timely or accurate assistance. This is a violation of basic consumer rights to adequate support and service. 

This partial resolution is not only unfair but also contradictory, given the identical nature of the transactions. I hope the CFPB can help rectify this situation and ensure Chime fulfills its legal obligations under Regulation XXXX and its own policies.
Product: Credit reporting or other personal consumer reports

I have a inquiry on my credit reports that I know nothing about, its on my XXXX, XXXX and Equifax. Its from XXXX XXXX, dated XX/XX/2023. I never applied for anything from XXXX XXXX or had and type of business or contact with this company, but it keeps appearing on my credit reports. Due to this fact, I have frozen all of my reports hopefully this will take care of this problem. What I would like in the meantime is the removal of these unauthorized inquiries that I neither applied for, nor sign for, being that may have an effect on my credit in the future.
Product: Prepaid card

I bought an American Express gift card from XXXX for XXXX dollars plus the fee Then tried to make a purchase online and the company said they froze the gift card because that thought the purchase was fraud, which it wasn't .... It was a hotel purchase as I was in vacation. So I called them and this is where the nightmare started the number I called was XXXX they said they froze the card and they would send me a replacement which never came 3 weeks later oh and they said it would come between five and seven days three weeks later I called them back and said I never received it and they said I have to send in a bill with my name and address so I did that as well and still never received my card and every time I call them they give me the runaround and say that there's a process first they said they shipped it several times and the card never came to the new address And they told me that it could take up for a month for them to review the documents to ship out the new card this is fraud and they're trying to steal the money. Someone please help! XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

( XXXX CREDIT REPORTING ) IMPROPER USE OF MY CREDIT REPORT In accordance with the Fair Credit Reporting Act, this creditor has violated my Rights! 
Under Act 15 U.S.C. 1681 section 602 says 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 refurnish an account without my written instructions. Under 15 U.S.C 1666B, A creditor may not treat payments on a credit account under an open and consumer plan as late for any purpose Please remove the following account that I have never given my written instructions to refurnish thank you! 
EXETER FINANCE AMOUNT High balance of {$19000.00} from XX/XX/2023 to XX/XX/2023 ; {$19000.00} from XX/XX/2023 to XX/XX/2023 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : * A copy of my Identity Theft Report and proof of my identity. 
* A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX Enclosures : * Identity Theft Report * Proof of identity : a copy of my drivers license.
Product: Debt collection

Answered two times and all u hear is breathing and then they hang up ... looked up the number and its a scammer..phone number is XXXX ... called XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX, XX/XX/XXXX @ XXXX, XX/XX/XXXX @ XXXX, XX/XX/XXXX @ XXXX, XX/XX/XXXX @ XXXX
Product: Credit card or prepaid card

Chase has charged me interest again on my account and I contacted customer service and they are telling me that they are charging me correctly. Im enrolled into the covid payment deferral payment program which I was told no fees or payment while in the program. See previous complaint COMPLAINT ID XXXX in which they states fee refunds I attached here : To help our customers affected by COVID-19, effective XX/XX/2020, through XX/XX/2020, we are offering the following : Minimum payment removal for up to three months Fee refunds Temporary credit line increases We sent our enclosed letter dated XX/XX/2020, to confirm your enrollment of our payment assistance program. We encouraged you to keep paying if you can because we will still charge you interest, and add it to your unpaid balance. We have enclosed a copy of your Cardmember Agreement for more information about interest charges and late fees. We reviewed your account and found we are reporting accurately to the credit reporting agencies. Because the information we send to the credit reporting agencies must accurately reflect your account activity and status, we can not comply with your request for an update.
Product: Debt collection

MBA law in Texas put a collections on my credit report without any notice from them that I owed the debtXXXX XXXX XXXX XXXX Phone XXXX XXXX. This is a medical debt I know nothing about.
Product: Credit reporting or other personal consumer reports

I recently reviewed again my XXXX and TransUnion credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned regarding the serious possibility that the Three Credit Bureaus did not conduct a reasonable re-investigation concerning my dispute dated XX/XX/2019, to determine if the disputed accounts are reporting accurate information. The bureaus verified XXXX XXXX XXXX, and XXXX XXXX are reporting correctly. 
How can this be ... ... .when reviewing the accounts on my credit reports # XXXX, XXXX XXXX XXXX and there are several inaccuracies. 
1. XXXX XXXX XXXX and XXXX and XXXX  accounts are reporting under the Other Accounts section which makes the collections accounts report as a trade line with an account history. 
2. Incorrect account type listed as Open. 
3. Incorrect Account status as Collection Account 4. Indicating closed in parentheses does not make it a closed account ... .there must be a closed date and something reported under the Activity Designator. 

According to the Metro 2 guidelines XXXX XXXX XXXX and XXXX and XXXX are Third Party Collection Agencies, whether it be Debt Purchaser, Factoring Companies, Debt Buyer or Attorney these accounts can only report certain information and should be reporting in the collection section of any credit report. 
1. Debt Collectors are only allowed to to report 3 account type codes which are 48, 77, and OC. 
2. Also, Debt Collectors can only report the ACCOUNT STATUS codes of 93, 62 and DA
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2020 I wanted to clean up my credit file and started to do so. I ordered XXXX credit monitoring and XXXX and got most everything cleared up. I decided to get EQUIFAX and XXXX credit monitoring as well so I could freeze all three because there were some fraudulent things I couldn't remove until I stopped the activity. I had no problems with the other major credit monitoring/reporting agencies when I went back to the free accounts and have told MANY people how to clear up their own credit that way but Equifax LOWERS YOUR XXXX when you go back to free. When I went to free my score went from XXXX to XXXX overnight. I got the credit monitoring again this month to dispute something ( It goes quicker if you pay for it. It takes months and months for a dispute if you don't pay for the monitoring ) and Equifax overcharged me for the monitoring and I made them pay it back yesterday and this morning my credit score is 63 points lower. I didn't do anything else since yesterday. They are abusing the power they over people. I think it should be given to another company that has better morals. Fining them doesn't seem to be working. I have screenshots of this bad behavior.
Product: Debt collection

I have tried to contact Contract Callers directly about this issue. They have placed my account in collections in regards to an alleged debt that I DO NOT owe. This collection is showing on my credit profile and is tarnishing my credit worthiness. This company has yet to show proper validation proving that I owe this erroneous debt. Contract Callers are absolutely horrible. They don't even attempt to follow proper validation measures.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yesterday I learned that my Experian report said a XXXX account was unpaid. I sent them proof that it was paid but they did not correct the erroneous information on my report, just noted that I disagreed with it.
Product: Credit card or prepaid card

For several years I have paid an account on my credit report to avoid negative reporting on my credit file. The company refuses to close, refuses to give information regarding the card, and informed me the account is restricted. However, they will accept payment. When contacting a representative by phone, they have made me aware that they dod not have proper authorization to open the card and requested my authorization by allowing them to run my credit. If they required my authorization, my question is, why and how were they able to report a debt to my credit. I want the account closed. I have experience credit fraud over the years, and since reporting with local authorities, it was advised that I apply for a new social security number. Once again I contact the card company and request information but they disconnected the line fir no apparent reason. The previous time I contacted the card company, they requested that I fax over authorization to run my credit. I find this suspicious. Additionally, they are unwilling to assist. The last person I contacted worked in the fraud department. Her name was XXXX. She was a fraud specialist who was not able to provide a last name, or representative identiciation number.
Product: Credit reporting, credit repair services, or other personal consumer reports

hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 710. Transunion has me at a score around XXXX. That is a huge difference. Transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with experian i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 10 times. Transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter
Product: Debt collection

i have an equity line of credit with chase bank since XXXX when my payments went from XXXX to XXXX they have been double charging me not posting my payments and charging me late fees without letting me know I'm late. I'm never late if i don't have the money handy i pay when i get my XXXX  check which is the last wednesday of the month and i have a 15 day grace period according to chase my due date is the 1st i  spoke to someone in XXXX who told me to pay XXXX and id be caught up then in XXXX XXXX and XX/XX/XXXX i received bills for twice my payment amount in XX/XX/XXXX i received a letterstating i owed XXXX if ididnt pay i would be put into collection or have my home foreclosed on on XX/XX/XXXX i contacted chase and spoke to XXXX XXXX and she told me i owed XXXX not XXXX if i payed that my next statement would read XXXX but i would only have to pay my XXXX on XX/XX/XXXX i received my statement and it said i owed XXXX i contacted chase again and spoke to a mr XXXX who said i only had to pay XXXX and id be up to date so i made the payment by mail they still have not posted my check from XXXX i ent out on the XXXX for XXXX.hope you can help with this problem
Product: Credit reporting, credit repair services, or other personal consumer reports

I have brought Citibank in the mix so both can mediate with each other. I have attached documents from the day this happened. Currently, XXXX XXXX XXXX has blacklisted me due to an issue with Account XXXX. Because of this, my banking access has become restricted, particularly with XXXX XXXX XXXX XXXX. 

As of XX/XX/2022, tXXXX XXXX XXXX  XXXX account ending in XXXX is the only account that is causing the restriction in the system. It's fully paid for, my other current accounts are in good standing will positive balances. If any low balance were to happen, it's been taken care of immediately in a timely fashion.
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 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 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: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their XXXXXXXX XXXX XXXX XXXX  savings accounts. Capital One misrepresented the XXXX Savings Account as having XXXX of the nations highest interest rates, yet failed to notify account holders about the superior rates offered by the XXXX XXXX XXXX Account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.