23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

CRAs took way over the 30-45 allotted time to get back to me with their verification process on how they verified items they were reporting that was inaccurate and violating United States Codes that protect me and other consumers! 

The accounts in question and wanting the process for are : XXXX XXXX XXXX XXXX ( which gets removed and added back without sending document on re adding ) XXXX XXXX XXXX XXXX XXXX ( debt collector who will not leave me alone ) XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This company does not respond to written requests for materials that are required to be presented the others when in court. They are preying off people in the State of Alabama that simply don't know how to respond or who to send information to. They are also completely unrealistic with available payment options. Debt Collection companies/ Attorneys should be required to allow reasonable payment plans based of what their client make, not some random about that they come up with over the phone. They want a house payment per month or else they threaten you with court system. There should be more consumer protections in place for this sort of shady business practice.
Product: Credit card

I called a few days after noticing my credit card canceled tried calling chase customer support and had an agent be rude and say your account was cancelled bc chase and I quote does not want you I got on the phone earlier today and talked to fraud department they told me bc of to many fraud reports even tho I have evidence that most of those fraud reports were bc the bank failed to stop the previous company i reported for fraud to charge me numerous times after and even after telling them each time to stop transactions for the specific companys taking money from me yet they want to say it was my fault for the fraudulent charges
Product: Debt collection

Aqua finance, XXXX and there investment banks are harassing my family again. The harassment had lessened for a while but recently on XXXX/XXXX/15 Monday the harassment started up again! These companies are being protected that 's why it 's so hard to bring them to justice. It 's a lot of money being passed around. Monday 's date has a major significance to our harassment case and for those families that have been victimized by these companies. I think your office knows what we are referring to, nobody is above the law and we 're glad our U.S. Government is cracking down on these crooked companies and politicians! Back to the harassment on XXXX/XXXX/15 in the back parking lot of XXXX XXXX on XXXX 1 of there stooges was literally stalking me his plate number is XXXX XXXX. While I was waiting to p/u my client he pulled up next to me and just watched me clearly trying provoke me. When I left for a minute, he left too and when I came back so did he. The only difference was he parked right behind me. When I started to back up to leave and p/u my client, there stooge backed up extremely fast at the same time clearly tried to wreck our car. If had succeeded I would not have been able to work! That was obviously there plan and they have been committing these types of harassment tactics ever since. These companies conducted these types of felony harassment tactics a few yrs ago and we relayed these acts to the Texas attorney generals office in our complaint letters. On today Thursday XXXX/XXXX/15 I was trying to type up a new complaint update and print it out to be mailed to your office and literally watched my email get deleted right before my eyes. All our complaints have been deleted and that 's why I 'm trying to go through your site again. The last XXXX times that I tried to submit a complaint through your site, I typed up a full complaint and got all the way to the end only to have my complaint blocked! We will not abandon our home and will not be forced to abandon our home. We will protect ourselves by any and all means! If and when our case goes to court, we will get all forms of media involved and that includes everybody that will listen! If your dept checks the camera at that XXXX XXXX back parking lot, you will there stooges come within a hairs length of hitting our car and they have been doing so everyday! We appreciate all your departments help but we wo n't stop until these companies are brought to justice!
Product: Credit card

The card advertised getting a digital number and not having to wait for the physical card. It also did this during the setup process. This match is my expectations with the other two cards I have with the same company. I did not get the digital number. I spoke with managers and support and they said that this particular card is not eligible for that yet it is advertised as such.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I spotted some inaccurate late payment accounts that need reporting and correction through your company. 

I attached on this complaint the PDF copy of the dispute letters I sent to the involved Bureaus. I also sent them my personal documents.
Product: Credit reporting or other personal consumer reports

The fraudulent accounts linked to my credit report through identity theft have been added without my authorization or written signature, causing severe disruption to my financial wellbeing. These unauthorized entries have not only created significant emotional distress but have also directly prevented me from achieving crucial life goals, including purchasing a home and adequately providing for my family 's needs. Despite my previous communication with your organization about this serious matter, these harmful entries persist on my report, continuing to misrepresent my credit history and responsibilities.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I sent trans union LLC a certified letter to Investigation request letter to investigate XXXX XXXX account number XXXX for 100 % accurate information if not deleted the account.How ever, this accounts is Still inaccurate.Date of last activity is different between TransUnion and XXXX, Date reported is different between TransUnion and XXXX, Closing Date is different TransUnion and XXXX and Payment Amounts is different between TransUnion and XXXX. I have provided proof with uploaded documents they have violated these laws as well 15 USC 1681 ( A ) XXXX15 USC 1681 ( A ) ( E ) .15USC 1681A ( XXXX ) and 15USC 1681 ( XXXX ) ( A ) ( I ) states After any reinvestigation under paragraph ( XXXX ) of any information dispute by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer.TransUnion need to delete account immediately unless they want to be held for a XXXX violation
Product: Debt collection

On XX/XX/XXXX I contact consumer directly for validation of account that I dont owe and never had any contractual obligation to pay them. They are currently being reported with inaccurate date of last activity in accurate date of last updated late pay after account was closed charge off on XXXX is listed as open also they have created duplicate accounts types. 
I asked them to provide me a copy of any viable evidence bearing my signature showing the account is being reported accurately. They provided me a print out statement. Which a printout of a bill or itemized document does not constitute verification. I would like these account deleted from all 3 credit bureau.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 

XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Account reporting inaccurate information. I have asked company to correct information for the past 6 months and they have not been helpful. This company is reporting a total of XXXX accounts with inaccuracies. 
Account # XXXX {$650.00} Account # XXXX. {$1200.00} Account # XXXX. {$1200.00}
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please blremove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This pertains to 3 credit cards that I had with Barclays. On XX/XX/22, I was unable to access any of these accounts via my online access. I contacted Barclays ( via phone on XXXX, XXXX ( 3 different calls ), to finally receive confirmation that the accounts had been compromised, a bad actor had succeeded in generating new user ID, password, and physical address to receive new cards. 

These four calls centered around multiple handoffs between Customer Care Specialists, Security / Rapid Detection Team, and Information Technology. At this time, all 3 cards were cancelled, and I only asked to receive a replacement for one of those cards. 

During this period, I continue to be unable to access my remaining account online, and the solution from Barclays was that I use the user ID and password that was generated as part of the fraud ( true story ). On XXXX, looking for a status on the replacement card, which appeared never got issued. I also wrote to the Barclay 's Consumer dispute center, outlying these details, and have not heard from them in the ensuing period ( 2 months+ ) On XXXX, I received correspondence from Barclays XXXX that their fraud investigation was completed and that I was not responsible for the fraudulent activity. 

On XXXX, I began receiving credit reporting alerts from XXXX XXXX, XXXX, and XXXX Identity Theft groups. Barclays had posted a negative report ( late payment ) for a balance on one of the closed cards. XXXX made initial attempts to rectify, and Barclays rejected the claim as invalid. I provided XXXX with the written confirmation from Barclays that this was fraud that I was not responsible for, yet it appears that Barclays tacked on new charges and is assessing late fees, affecting my credit, with those charges having no merit.
Product: Debt collection

XX/XX/XXXXXX/XX/XXXXDisputes Department/New City Funding ( mailed, emailed and called ) Re : Final Dispute, Urgent, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX Credit File, SSN XXXX, DOB XX/XX/XXXX To Whom It May Concern : Ive tried my best to be patient and refute an unlawful line recording on my XXXX  file. XXXX  has repeatedly reaffirmed third-party information that is insufficient and unverified as evidence, violating my rights to fair credit reporting, year after year. 

I've already iniated the process to sue New City Funding for violation of Virginia state and federal laws. I request that New City Funding and XXXX  take the following steps immediately : 1. Please provide me with copies of the original signed documents indicating the interest rate as well as the warranty for the items reported by New City Funding, before the latest date allowed by law. This includes contracts and service agreements they claim I signed and the truth in lending disclosures ; 2. This loan was and is unlawful and thus unenforceable in its prolonged, false and unfounded reporting, but also in its origination and continued demand for payments. Per Virginia law, section 6.2-303. ( Effective until XX/XX/XXXX ) Contracts for more than legal rate of interest, as well as Virginia Law Section, 6.2-303. ( Effective XX/XX/XXXX XXXX Contracts for more than legal rate of interest ; 3. The initiating entity that worked as an intermediate party to New City Funding is no longer in business connected to their unlawful operations ; 4. The automobile was not repossessed but was surrendered voluntarily as faulty because it was not drivable and repairs that were required ( but not revealed at the point of sale ) cost more than the vehicle. As such, I returned the automobile with an understanding I wouldnt be responsible for future payments. Two mechanics stated it looked to have water deterioration, common of cars at the site of hurricane/flooding. 
If the aforementioned requested material is not available, please know the validity of the New City Funding entry can not be established. Please remove them from my credit history and discontinue all collections and close file. This auto aas secured in XX/XX/XXXX and I surrendered it a few months later because it could not pass inspection and wasn't drivable. The negative impact this reporting had on my life is immeasurable. I tried to fight back but lost my daughter recently before and was disoriented because of my state of mind. New City Funding and their partner dealership exploited my situation and have continued attempts to collect on this illegal loan. I'm not the person I was this, however. They in fact continue reporting as of the loan is active. That was nearly 7 years ago. This is wrong. 

Thank you for your time and attention to this urgent matter. I hope this can be resolved quickly and fairly because Ive exhausted all attempts and Im now proceeding to legal action. 


XXXX XXXX XXXX XXXX Cc : Law offices, Virginia Attorney General, Consumer Finance Protection, XXXX XXXX XXXX
Product: Debt collection

Who is XXXX XXXX? XXXX  reported that between XX/XX/2018 and XX/XX/2018, a new account in collections was added to your report. The collection agency is DIVERSIFIED. The original creditor was XXXX XXXX XXXX.New Account in Collections When you've fallen behind on payments and your debt is sent to a collections agency, you can end up with a Derogatory Mark on your credit report. 


I am requesting validation of the above debt formerly held by XXXX XXXX  or removal from all impacted credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

I forwarded a letter to the XXXX and Transunion dated XX/XX/2022 to erase this suspicious information. I think you have not validated this account in agreement with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX, and I'm including it again. XXXX XXXX XXXX : {$9100.00}
Product: Money transfer, virtual currency, or money service

It is a rental scam based on XXXX through my Chase bank account. I was looking for a short term sublease. And I am interested in this scam person 's post on XXXX XXXX. He told me I could not see the room in person because there was a tenant living there. And he sent me a video. And then he sent me an agreement through email. I 1st signed the agreement and then I sent those money separately through XXXX linked inside my Chase XXXX from my checking account.He asked me to send money twice, one is happened on XX/XX/XXXX for deposit {$1000.00}. Another one is happened on XX/XX/XXXX for one month rent+ cleaning fee which is {$1500.00}. I asked him whether I can send him the deposit 1st, he said no. Today is supposed to be the date for my move-in date. and it turns out the unit he tried to rent me is already rented, and he is also not the owner of that unit after talking with the apartment. So this is an entirely a scam. but both XXXX and Chase seems very unlikely to recover my money.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A 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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$60.00} XXXX XXXX CO XXXX Balance : {$18000.00} XXXX XXXX XXXXXXXX Balance : {$60.00} XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX XXXX XXXXXXXX Balance : {$60.00} XXXX XXXXXXXX Balance : {$18000.00}
Product: Credit card or prepaid card

There was an uber barclays credit card that was opened using my social. I never applied for this card. Someone has access to my social and has used my identity and social to apply for credit fraudulent, including this uber barclays credit card.
Product: Checking or savings account

On XX/XX/XXXX a double transaction was taken out my account by XXXX. I filed a claim with Chase Bank my banking institution they credited my account for the amount. On XXXX the funds were reversed after they closed the investigation. I was told to call the merchant XXXX to recover the funds. On XX/XX/XXXX, XX/XX/XXXX XXXX stated they do not have the funds to call my bank. XXXX then did a XXXX XXXX XXXX  with Chase Bank on XXXX was told they sent the funds back to visa on XX/XX/XXXX and was to wait 10 days to receive. No funds received XXXX then told me to call my bank again. Chase was called on XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX and an ARN number was given stating XXXX accepted funds on XXXX. XXXX has yet to receive the funds and my Chase account is negative {$620.00}. Chase have called me every day wanting me to pay them {$620.00} that they didntreimburse to the merchant. I have wasted hours on the phone with both with no resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax failed to secure my and my wife 's personal data and it is now public as a result of the failure to encrypt my data. I was not directly notified of the failure to secure my data. I had to read about it on a social media press release. 

As a result of this, my wife and I have placed fraud alerts on our credit files as well as credit freezes to protect ourselves from the leak that was a result of Equifax 's negligence in protecting our data. The freezes have cost us {$41.00} so far and I would like to be reimbursed for the cost to protect myself. The costs to protect my wife and I could continue to go up and I would like to be reimbursed for the costs as it is a direct result of Equifax 's negligence.
Product: Credit reporting or other personal consumer reports

I ordered my XXXX XXXX report after being alerted to do so because my personal information was included in a data breach. After receiving my XXXX XXXX report I noticed information that was inaccurate including a bankruptcy. I decided to freeze my XXXX XXXX report to prevent the misinformation to be used for fraud. I then disputed this information with the XXXX credit reporting agencies, XXXX, Experian and XXXX XXXX which included the bankruptcy. XXXX deleted the information as they could not verify it however, Experian and XXXX XXXX did not. I followed up with Experian and XXXX XXXX asking how they verified the inaccurate info associated with the bankruptcy. XXXX XXXX responded they get the info from the XXXX XXXX and Experian said they get the info from XXXX XXXX. I then contacted the Federal Courts and they sent me a letter stating they DO NOT share any information with the credit reporting agencies. I then contacted XXXX XXXX and they said they CAN NOT Share any information with Experian since my file was frozen. I then sent letters to both XXXX XXXX and Experian wanting documented proof of how they are verifying the misinformation they're reporting concerning the bankruptcy. Instead of sending me proof they sent me letters stating that they are not going to investigate or provide the information to me because I'm not authorized or they believe my request was sent by a third party who was not authorized. I have received these same letters from XXXX XXXX and Experian before when they don't want to investigate or admit they are violating my rights by reporting inaccurate information. So, they're refusing to send me documentation that shows how they are verifying the inaccurate bankruptcy on my credit report.