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

In accordance with the Fair Credit Reporting Act, Capital One Account and XXXX XXXX account has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish my account without written instructions.

15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX accounts # 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 credit reporting agency Can not furnish a account without my written instruction. 

Accounts 1. XXXX XXXX 2. XXXX XXXX XXXXXXXX 3. XXXX XXXX 4. XXXX bank XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

An account was opened in my name with XXXX XXXX. I contacted the and they had no information. XXXX XXXX purchased the debt and is now reporting in my credit. It is 7.5 years ago. It was taken of my credit because it wasnt mine and also was passed the 7  years.
Product: Checking or savings account

I was scammed via zelle. I reported the incident to XXXX and to my bank and neither is helping out. 
I was selling an item via XXXX XXXX. I received a note ( via the buyer ) on XXXX XXXX XXXX ( fradulent ) that i had to set up an account with XXXX  business before the transaction could happen. " XXXX '' requested money to set this up -- two separate times. By the time I realized it was a scam they were asking for a third payment ( I then realized it was not really XXXX XXXX. 

The total taken out of my account was {$550.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 usc 1681 section 602 states I have the right to privacy.

15 usc1681 sections 604 a section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 usc 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: Credit card or prepaid card

XX/XX/XXXX for {$93.00}. Called Chase about a charge. They said it was a re-accuring charge and to call the vender. I did. I thought i had this resolved. I made sure the account was cancelled. I got another charge next month and it was stopped by Chase. I called chase and they said they stopped the card. A month later, I looked at my bill. Chase re-started the card without my consent and this charge that was supposed to be stopped was billed along with several others. I called and was put on hold for 1.5 hours just to be told I needed to go to another department. On hold for another 1.5hrs. Just to be told to go to another department. On hold for another 1.5 hrs. By this time im ferrious. Of course, this person also said I needed to talk to another department. The phone call that was transfered dropped.
Product: Credit reporting or other personal consumer reports

Hi, I came to XXXX in XX/XX/XXXX on work permit and I got a temporary SIN which was later converted into permanent SIN when I got PR in XX/XX/XXXX, My credit report from Equifax had a lot of incorrect information since beginning some of which were corrected by Equifax after multiple dispute forms however there is a Secured Loan appearing in my credit report since XX/XX/XXXX which Equifax is not removing after several dispute forms are raised by me, following are the details of this unrelated Secured Loan File no : XXXX Registered by : XXXX XXXX XXXX XXXX XXXX Status : Security deposit unknown Maturity Date : XX/XX/XXXXXXXX  I have an Installment Account with XXXX  which is correctly appearing in my credit report under Installment Account I want to obtain a personal finance to merge and pay my credit card bills and because of this secured loan appearing I am unable to obtain the personal finance and I have to pay 20 % interest on my credit card balances. 

Please take necessary action to get this unrelated Secured Loan removed from my credit report. 

Regards, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

CFPB ) regarding your concerns about TransUnion and unfair XXXX XXXX treatment : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX DC XXXXXXXX Complaint Against TransUnion for Unfair Credit Score Treatment Dear CFPB , I am writing to formally lodge a complaint against TransUnion for unfair treatment regarding my credit scores. This has been ongoing for the past 3 months. I've taken screenshots so you can see the consistent pattern of points. 

Despite having all my accounts in good standing, I have noticed that TransUnion has consistently provided me with unfairly low credit scores. This has affected my ability to secure loans and credit, which has caused significant distress. 

I believe that TransUnion is not accurately reporting my creditworthiness, and I request that the CFPB investigate this matter. 

Thank you for your attention to this important issue. I look forward to your prompt response and assistance in resolving this matter. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account Name : ( XXXX XXXX XXXX ) Account # XXXX, hasviolated 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 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 am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. 
Furthermore, XXXXXXXX XXXX  actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S. C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.These are the accounts that i marked as inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting a collection on behalf of XXXX XXXX XXXX account number XXXX. This account has been reported to the FTC and law enforcement and as being opened due to identity fraud. This account has been removed by TransUnion. Pursuant to FCRA 605B ( 15U.S.C. 1681c-2 ) I request that this collection be removed within XXXX business days of this complaint.
Product: Bank account or service

On XXXX XXXX 2016 at XXXX., I realized a transaction for XXXX went through on my account causing it to go negative even though I did not authorize the transaction. I called Chase immediately and advised of the situation. I spoke to a representative named XXXX who assured me that he placed a stop payment on XXXX and that the funds will not be removed from my account. When I woke up on XXXX XXXX 2016 and checked my account, I noticed that the funds had actually cleared the account after I was promised that they would not and my account was still in negative. I called and spoke with another representative at XXXX who told me that there was nothing that could be done but to submit a dispute form that could take 7 to 10 business days to get my money back. I then asked to speak with somebody else that was higher in order to find a resolution. I spoke with another representative named XXXX who said she was a senior account representative, you also told me that there was nothing that could be done other than for me to go to a branch and submit a dispute form. I feel as though all of the work has been left on me to correct a problem that should have never even occurred because I did everything I was supposed to do as a consumer. I am very emotionally distraught as I write this because as I explained to them with my accountant native because of a transaction that was n't even supposed to go through that I have to wait 7 to 10 business days to be refunded for I do n't have enough money to put gas in my car or buy food for my kids or myself. And this is a huge concern, because it never should have happened in the first place. In addition, when I explained my situation and advise the senior representative XXXX that I only have enough gas to make it to the gas station all she could tell me to do was to swipe my debit card and hope it goes through. If it does n't go through then I would be stranded at a gas station. She also told me to try to swipe it to buy food for my children and hope it goes through. If it does n't go through, I 'm left looking like a fool at the grocery store with a cart of groceries that I ca n't even pay for even though I should because the money should be available in my account. This is emotionally affecting me because I 've always been able to provide for my children and I 've always done stuff the right way. And because of Chase and their representatives for the first time and not sure if I 'm going to be able to buy food for my children because of a mistake that they made on their behalf that they ca n't correct without me doing all the leg work.
Product: Debt collection

Medical Data Systems is reporting an account on my consumer report. This account is harming my credit profiling and defaming my character. This company is infringing on my right to privacy and confidentiality. I have no account, nor agreement/contract with this company. They have no permissible purpose, nor permission for anything to be reported on my report. According to the Healthcare Insurance Portability Accountability Act ( HIPPA ), I have a right to protect my privacy and medical records from third parties. HIPPA does allow for limited information, however anything more would have to be revealed with my authorization. I DO NOT give permission to XXXX XXXX XXXX to release medical information to a Medical Data Systems. 
I've asked for them to validate this alleged debt, and provide a copy of the HIPPA Authorization, Agreement with their client that grants them the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization. They sent me an itemized list for services, Acknowledgement of Notice of Privacy Practice, and Consent to Routine Procedures and Treatments.
Product: Credit card or prepaid card

I received a statement to which I didn't recognize a charge. I spoke to Macys in regards to this matter. They advised me to fill out the attached document which was faxed back to them. 
They also informed me that I would not have to pay while it is under investigation. They said they will advise me of the outcome. I made sure all my information was updated. Since I was advised not to make payments on this until it is resolved I did not make payments and never heard from them so thought it was taken care of. If they came back showing that I owed the money I would have paid them. 

In the beginning of XX/XX/2020 I went to apply for a refinance, I noticed that Macys is reporting my account as past due and delinquent. I have never been contacted by Macys or heard from them in regards to this matter.
Product: Credit card or prepaid card

I have visa credit card with chase. They have been emailing me the past month with offers to pay purchases over {$100.00} in installments with no plan fees. The offer in the mail states : " Break up purchases over {$100.00} into equal monthly payments. Enjoy no interest plus $ o plan fees on the first MY Chase plan you create by XX/XX/XXXX ''. 
The last email I had for this offer was on XX/XX/XXXX. I paid for a future vacation worth {$7000.00}. on XX/XX/XXXX hoping that I could avail of this offer. However, all of a sudden, my ability to pay over time was cancelled on the chase app. The site was not allowing me to avail of this offer. When I asked the company for an explanation, they said that customer 's eligibility changes based on circumstances and that they could change at any minute. They specifically said that " offers can be removed for various reasons. When account information changes, offer eligibility changes '' I think that this is false and fraudulent advertising. It entices the customer to take on credit with the hope of using an advertised offer from the company, and once credit has been obtained, the offer is suddenly discontinued without explanation
Product: Checking or savings account

On XX/XX/XXXX I requested closure of my prior Key Bank checking account originally opened in XX/XX/XXXX. I was told it would be closed in 1 -2 business days. 

On XX/XX/XXXX, more than 1 year later, I opened a new Key Bank checking account and met all requirements to receive a {$200.00} bonus for making a {$500.00} paycheck direct deposit into the new account. 

Key Bank has failed to issue me the {$200.00} bonus. When I asked why, I was told that my prior Key bank account had not been closed until XX/XX/XXXX in their system and that since it had been one year since I had last had a Key Bank account, I was ineligible for the bonus. 

This is utter nonsense because I requested closure of my prior account on XX/XX/XXXX so it should certainly have been closed more than 1 year prior to opening the new account. If my account was in fact not closed by the bank in their system until XX/XX/XXXX as they claim, that is entirely their fault for taking excessively long ( 16 days ) to close the old account ( I had been told it would be closed in a few business days ). There was no activity on my end that kept it open after I requested closure on XX/XX/XXXX. 

They obviously just want to cheat me out of the bonus. But I should not be penalized for their slowness in closing the former account. Further, I note it is literally exactly 1 year since they say they closed the old account vs. when I opened the new one, so they are being absurdly unfair and splitting hairs by one day - WHICH AGAIN SHOULD NOT BE THE CASE BUT FOR THEIR INCOMPETENCE. I'm sure if I owed them money, and was 15 days slow in paying, they would me accountable. 

Based on the facts, I clearly closed my former account MORE than 1 year before opening the new account, and therefore have met all their requirements and should be issued the {$200.00} bonus.
Product: Mortgage

On XX/XX/XXXX, I opened a mortgage with Loan Depot and paid an initial escrow for taxes of {$3000.00} and this was to be placed in an Escrow for a payment in XX/XX/XXXX. I started paying {$520.00} to Loan Depot in XX/XX/XXXX for an Escrow each month and they paid the taxes on XX/XX/XXXX in the amount of {$5200.00}. They never posted the initial deposit of {$3000.00} and so they stated by Escrow in the negative. Informing me of this in XX/XX/XXXX ( when prior screens showed it applied ). 

I initiated this as a concern and now being asked to pay {$960.00} per month to catch up and 60-days later I am still get that this requires significant research. 

In the closing documents ( attached ), you will see there is a left and right side. On the left side shows the collection of the escrow for the one month before a payment happens and on the the right side you will the amount I paid in full for taxes for the first year less the credits to the sellers. Where did this money go?
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX SYNCB/PAYPAL XXXX 15 U.S.C . 1681 ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
15 U.S.C 1681s-2 ( 8 ) Ability of consumer to dispute information directly with furnisher 15 U.S.C. 1681 section 602 States I have the right to privacy 15 U.S.C 1681i ( 1 ) Reinvestigation required 15 U.S.C 1681i ( 5 ) Treatment of inaccurate or unverifiable information 15 U.S.C 1681l Restrictions on investigative consumer reports 15 U.S.C 1681 section 604 A : it also states consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

Unauthorized " XXXX XXXX '' charges on XXXX XXXX Store Card XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$58.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$57.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$54.00} Plus card egregious FEES of {$520.00} for year XXXX, including XXXX XXXX and inaccurate Late Fees.
Product: Debt collection

VALIDATION AND CEASE AND DESIST XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX # XXXX XXXX, PA XXXX Account Number- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Dear : XXXX XXXX XXXX XXXX XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Credit card or prepaid card

I applied for a credit card. 

The bank never sent me the card. The bank wouldnt let me set up an account online to view my transactions or make payments without a physical card. 

The bank then said my card had a balance but couldnt provide details on purchases because I hadnt received my card and couldnt confirm my account. Furthermore the bank continued to try and correspond with me via mail when they were having issues sending mail to me. I confirmed my address with them and Meanwhile I have a bill due with them. 

I opened a fraud claim but it was only opened for one of the purchases. When my they tried to correct this, they had issues and said Id have to call back another day to open a dispute for the other purchases. 

Nightmare.
Product: Checking or savings account

I am writing to file a complaint against navy federal credit union regarding multiple overdraft fees I have incurred.Despite having sufficient funds when transaction where authorized, I was charged fees due to lagged posting of charges and credits this issue aligns with the recent CFPB findings against navy federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request and investigation into my account transactions
Product: Credit reporting, credit repair services, or other personal consumer reports

Today on XX/XX/22 My credit score was a XXXX It is now a XXXX Experian is now pushing yearly credit cards on people with bad/fair credit. 
It's a bait and switch. 
The companies of these credit cards are paying Experian to push their XXXX/high-interest rates cards. 
The credit card company then pays Experian for placing preapproved credit cards on their site. 
Mind you with a yearly fee and very high-interest rate. Predatory lending at its finest! 
Moreover, once you're approved for their card your credit score goes back up. So do you see the scam/con? 
Checking your credit isn't really free while they're pushing these high credit cards on " poor '' consumers. 
If you will not rectify the problem, we will be going to the news media. These folk needs to be exposed! Sincerely, XXXX XXXX. A poor consumer.
Product: Bank account or service

Discover bank purposefully delay to credit transferred in cash into my account. It also withheld the money in my account for several days before I could use it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I'm Very upset this is Disturbing too I cant see my credit score since I've been home from XXXX all kinds Things Went On I Cant Do Anything I AM NOT DECEASED MY NAME IS XXXX XXXX XXXX MY Address is XXXX XXXX XXXX XXXX LA XXXX last XXXX of my ss XXXX birthday XXXX I Have No Knowledge Of These Address on my Report Besides XXXX XXXX XXXX XXXX LA XXXX Please reach Back out I need ANSWERS