23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting actXX/XX/XXXX XXXX Account, XXXX Account has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX XXXX XXXX XXXX XXXX XXXXy emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX XXXX XXXX XXXX Account Number :
Product: Credit reporting or other personal consumer reports

Im writing your agency because you are in violation of 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). These items : XXXXXXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXXXXXX XXXX ; was deleted and you reinserted them without notifying me 5 business days after and certifying that the items was validated properly. I demand you to delete these items from my credit file or i will seek litigation. 
( XXXX ) Treatment of inaccurate or unverifiable information ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency ( XXXX ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
( iii ) Additional information As part of, or in addition to, the notice under clause ( XXXX ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. 
under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days and you must delete the item from my file immediately.
Product: Debt collection

Chase in matter of account XXXX caused harm by violating Fair Debt Collection Practices and CFPB settlement agreement ( see below ) Chase Did : Subjected this consumers to collections activity for accounts that were inaccurate, in amounts that were charge-off amount differently reported to reporting agency. 
Sold certain accounts to debt buyers of those inaccuracies, and fees and or interest after charge-off not owed by the consumer, or otherwise noncollectable. 
Submitted records requested from the collection agent to verify, and communicate directly with consumer to protect rights afforded under FDCP 1006.38 1006.34 and 1006.22. The original creditor taking on role as debt collector not license to act as such by responding for the debt collection agency interferes with rights and ability to challenge response with itemization and " Validation of Debt '' Validation information under ( c ) ( vi ) ( vii ) ( viii ) ( 3 ) Information about consumer protections and ( 4 ) Consumer-response information for consumer to respond including ( i ) Dispute prompts, The action of Chase interfered with consumers ability under act to obtain timely validation from Debt collector not Creditor Chase, as under Act a ) ( 5 ) Validation period Chase sold and resold and confuse, failed to assure accurate reporting and amount of indebtedness because agencies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX all were whom Chase resold the debt repeatedly and violated the agreement entered into in matter of Federal Debt Collection Practices Act ( FDCPA or the Act ) for alleged violations of 1692 of the Act. Anderman v. JP Morgan Chase Bank, XXXX XXXX, ( XXXX XXXX. XXXX XXXX, XXXX ). 
XXXX XXXX mailed the XX/XX/XXXX collection letter without meeting the requirements where information was absent on the back even where in the letter it indicated it was " On reveres Side ''. 
The actions of Chase Bank to report to reporting agencies different amounts claimed owing then the communication with consumer constitute misleading, confusing, defraud and collect on inaccuracy ( s ) The XXXX for instance reflects {$4200.00} high balance reported XXXX XXXXowed, with credit limit of {$3900.00}, also last payment XX/XX/XXXX with charge -off date. The company Chase can not charge interest and fess after Charge-off sold debt, where Chase may already have 1099-C issuance relief, nonetheless the calculated amount for which Chase reported to Debt Collector ( s ) of {$4200.00} include interest and fees after charge-off. Chase also is in violation of : Chapter 358-C UNFAIR, DECEPTIVE OR UNREASONABLE COLLECTION PRACTICES Section 358-C:1 Lastly when Chase was noticed to close the account during COVID Chase error in the entered COVID relief agreement which consumer met the monthly agreement without exception. After six month Chase cancelled the relief yet continued it for another Chase account for which consumer pays {$88.00} without fail, being. Chase account XXXX
Product: Credit card

I ordered XXXX  flight tickets through Chase Travel on XX/XX/XXXX from XXXX to XXXX Everything looked good on my end. The email said " You are all set '', the money was deducted from my credit card, and the airline started to track the airline status on the Chase App. Then on XX/XX/XXXXXXXX I went to the airport, the airline said they never received the order from Chase. Then I immediately called customer service, spending XXXX hours, paying the international roaming fee, to call them anxiously. Because I have a contract waiting for me to sign, my cat was sick and my husband had clients waiting for him. All the customer service of Chase did was to shift the blame to the airline but not to take the valuable time to book new tickets for us. In the end, I paid triple the costs to the airport counter, and the airline was delayed, I spent XXXX  hours to get home and lost my contract. My husband lost his clients as well. I don't blame Chase for the rest part. But it's a chain effect started by Chase. 

I contacted Chase Travel customer service when I back home. The call always gets disconnected, just like when I was in the XXXX airport. Chase apologized immediately but still, the customer service insisted its airline canceled the flight and said whether I could be refunded depended on the airline company. And it will take XXXX  days! 

As a XXXX XXXX, they didn't do their job to give me the tickets. Flight cancellations often happen, and I don't blame that part. But at least they should have informed me and refunded me the tickets immediately. I posted this experience with Chase online, and I found a lot of people experienced the same things. The booking system was terrible and customer service is good at shifting the blame and hanging up the call. 

From my point of view, we, as customers, shouldn't be caught in the middle between Chase Travel and Airline. Chase Travel, as the booking agent, should refund us the canceled ticket as well as the out-of-pocket expenses immediately. If you checked social media, such as XXXX ( XXXX ), XXXX, XXXX, and other languages social media, the same thing happened to a lot of people, who ordered their tickets through Chase Travel and couldnt get notifications of their canceled flights. I attached a link ( XXXX XXXX XXXX ) that happened XXXX years ago and some audiences comments under my social media. We trusted Chase Travel so much, and look what we get from them. A fake apology and blame shift. Thank you so much for the time to read this. It's been a tough time for me and my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX I have 5 new hard inquiries on my credit an each one is fraudulent, all applying for credit cards. I believe I comprised my personal information while applying for the XXXX XXXX XXXX on the XXXX XXXX  browser on my phone on public Wi-Fi. The 5 inquiries were for the following- XXXX XXXX XXXX XXXX XXXX bank - twice it seems Citi bank XXXX XXXX XXXX XXXX All of this inquiries are fraud, an possible XXXX XXXX Compliance I would like an need each one of this inquiries removed. They brought my score down XXXX points an this is unacceptable. 

I also see theres is 5 loan inquiries from XX/XX/XXXX, I only applied with XXXX XXXX that day. I only discussed that 1 company I only applied an was approved for that 1 company. The other 5 loan inquiries are Fraudulent an with out my knowledge an I would like them removed. They are the following - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  so then twice, XXXX XXXX XXXX XXXX XXXX XXXX All of these inquiries were fraud an with out my knowledge I noticed while looking at these recent credit card inquiries I need these removed to apply for XXXX trucks an housing this year.
Product: Debt collection

I have sent a certified green receipt letter requesting for Nelnet to validate all 18 of my loans that they have with their servicing company. The received the letter on XX/XX/XXXX, I also included in my letter the laws that the company has to abide by with verify my loans for all 18 loans. They sent me a generic form letter which I have a copy of saying everything is accurate and verified, sent to by mail XX/XX/XXXX. How can servicers company verify 18 different loans, that are dated back as far as XXXX? I have also disputed with the credit report agencies asking them to validate the debt and getting no answers. They have received my second and final letter advising that their 30 days will expire on XX/XX/XXXX and I am requesting that they delete all 18 accounts of all XXXX reporting agencies. This company is not following the new laws that you CFPB put in place when validation of a debt is requested. I am going off Consumer Financial Protection Bureau regulation F subpart B 1006.34 Notice for validation of debts. ( a ) Validation information required. 

( 1 ) In general. Except as provided in paragraph ( a ) ( 2 ) of this section, a debt collector must provide a consumer with the validation information required by paragraph ( c ) of this section either : I am going off your laws ( CFPB ) and requesting information from this company only to receive a letter saying verify and nothing unless that the law said they are required to send.
Product: Mortgage

I have several problems with payments with Chase mortgage. My payment was reported 30 days late for XXXX and XXXX of 2016. I paid XXXX mortgage payment within the 30 days of it being due. The payment did post XX/XX/XXXX16 on their online site but Chase reported my payment 30 days late. Chase online site has had some technical difficulties by their staff admittance. I logged in on XX/XX/XXXX16 scheduled a payment. The payment was never processed. I had to call in to make the payment. XXXX ( supervisor ) admitted the online site has been malfunctioning and applied for a credit amendment for the incorrect reporting. Chase seems to be having problem on managing payments and the problem needs to be rectified.
Product: Credit reporting or other personal consumer reports

I am a natural person and living human being, I have rights under 15 USC 1681. 

Experian and XXXX are govern by 15 USC 1681. And they have violated my rights numerous of times. I demand that these accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Experian or XXXX written permission to furnish these accounts. 

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

Apple Card re : online retailer XXXX, a manufacturer-to-customer model. 
XXXX delivered my product to a former address. The agents at the former address did not notify me. The three major credit reporters, XXXX, XXXX, and XXXX, reflect XXXX XXXX error and Apple Card supporting the merchant. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Online Payment Shipping Method Standard {$170.00} Shipping address and billing same : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Goldman Sachs Bank USA has received your request and re-opened a dispute on your behalf. We will complete our re-investigation no later than XX/XX/2024, and will contact you if additional information is needed. The Apple Card allowed a second dispute, ultimately supporting the merchant XXXX. 

XXXX XXXX My former husband used my private cell number to attach his girlfriend 's wifi product. XXXX XXXX refused to disallow these duplicitous charges. However, an investigation by XXXX XXXX ruled in my favor and returned that portion of my bill, the charges I did not incur.

" Thank you for contacting us about the transaction ( s ) on your account. We researched the transaction you reported and agree it was incorrect.

The credit ( s ) we provided for the transaction ( s ) listed below is now finalized.

Here 's what you should know.

The temporary credit we provided is now permanent and includes any applicable fees and interest. '' The three major credit reporters, XXXX, XXXX, and XXXX, reflect XXXXXXXX XXXX position, and disallow input from XXXX XXXX and monies owed to XXXX from my former husband. I consider this identity theft. 

XXXX XXXX. 
I placed an order from XXXX in XXXX XXXX the item did not arrive. XXXX XXXX  dispute team and the XXXX XXXX dispute team resolution ruled in their favor. Oddly, the product arrived in my neighbor 's mailbox on XX/XX/2024. Both XXXX and XXXX XXXX refuse to allow me a return, stating the transaction is " too old. '' The XXXX major credit reporters, XXXX, XXXX, and XXXX, reflect this error and disregard for the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company Equifax has collected sensitive and unchangeable information about me such as : SSN, credit card numbers, ID, bank account numbers. 
I have never authorized Equifax to collect my personal information. 
Furthermore, Equifax divulged my information without consent through negligence in safety measures on their databases. 
The information lost can not be changed, is permanent and sufficient to steal my identity. It is a permanent damage. 
To add insult to the damage, the company offers paid monitoring to " control '' the permanent damage they caused.
Product: Credit reporting or other personal consumer reports

Tek Collect is reporting medical information to the credit bureaus and On XX/XX/year>, the CFPB finalized a rule prohibiting data furnishers and credit bureaus from reporting on medical bills and debt. 

It is against the law to report medical information. I contacted the bureaus requesting that they remove XXXX XXXXXXXX from my credit report and they did not. Not only is it prohibited but I also do not owe the amount they are stating I owe. 

I'm requesting that this is removed from my credit report.
Product: Payday loan, title loan, or personal loan

I was denied an application to PayTomorrow for a lease to own/line of credit to purchase items at XXXX XXXX store in XXXX, CA. Under 12 CFR 1002 ( Regulation B ) of the Equal Credit Opportunity Act, I should not have been denied any extension of my own credit for any reason as a creditworthiness applicant. A score ( or lack thereof ) from a consumer reporting agency is not a viable reason to determine my creditworthiness when an extension of my credit was already granted with my social security number to the creditor ( PayTomorrow ). Nor is my income, or ability to pay a viable reason for the denial of my application.
Product: Credit reporting or other personal consumer reports

This false reporting is not merely an error ; it reflects " actual " CHARGE OFF '' as TransUnion, XXXX and XXXX knowingly and recklessly disseminated incorrect information. The damage to my reputation has been substantial, and this defamation can not go unaddressed. IV. Financial Harm Resulting from Inaccurate Reporting Due to TransUnion, XXXX and XXXX willful and knowing misreporting, I have been denied credit cards and auto financing, and I do not qualify for an SBA disaster loan that is critical to my financial stability. This violation of 15 U.S. Code 1681n entitles me to recover statutory damages, actual damages, and punitive damages. The financial setbacks I have experienced are directly attributable to TransUnion, XXXX and XXXX irresponsible and unlawful actions Despite my repeated disputes, TransUnion, XXXX and XXXX persisted in reporting this false information, demonstrating a clear pattern of willful noncompliance under 15 U.S. Code 1681i. This blatant disregard for accuracy and consumer rights is unacceptable and has further compounded the harm done to my financial standing.
Product: Vehicle loan or lease

For over a month, I have not had access to kiafinance.com, or anything associated with it. This means statements, payments, etc. I was on pace to pay this loan off early, and it seems I have been locked out intentionally to prevent this, as customer service keeps claiming they submit support tickets, but that their IT does not communicate with me and I have not been contact by Kia Finance at all after these calls and claims. I am currently still locked out of my account and the date is XX/XX/2024. I have called Kia Finance customer service XXXX times, and the following results at the end of the calls : First call with issue - Wait a couple days and try to log on again ( I waited a week and still was locked out ) Second call with issue - Customer service " put in an IT ticket '' and told me I would not be contacted by IT and would need to follow up ( I followed up a week later and was still locked out and the new customer service rep could not find the ticket ) Third call with issue - Customer service " put in another ticket '' and again said I would not be contacted from IT and would not give us a single person of contact to follow up with our issue. 

The entire thing officially feels like a scam.
Product: Student loan

I spoke with Edfinancial by phone in early 2016 about my delinquent loans, and they offered me a period of time not making payments, followed by resumption of payments at a low amount which would increase over time. They stated that they would contact me just before the resumption of payments would begin - around XXXX. They never contacted me. I called and was told my loans were in default and being transferred. I argued, and eventually spoke with an ombudsman, who stopped the transfer of my loans and reinitiated the payment program as had been previously promised. However, Edfinancial had, in the meantime, reported missed payments for the period during which they had agreed I would not have to make payments. They refused to remove this from my credit report. I recently filed a dispute througfh XXXX and Edfinancial still refused. There are two loans and the period covered was months, so there are multiple entries and it significantly impacts my credit.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS?

I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX
Product: Checking or savings account

On both XX/XX/year> and XX/XX/year> our joint business checking account at Wells Fargo was hacked. Our information was changed on our Wells Fargo online platform that day to unknown contact numbers and the alerts were disabled. Then XXXX was used to transfer out {$3000.00} in total to unknown recipients. There were 13 unathorized transactions total and all consecutively from our account. We did not receive any alerts of fraud or weird account behavior except one email a few days later from Wells Fargo saying suspicious activity detected. We ( my wife and I ) called the bank and reported the fraud and unauthorized transactions and that we didn't receive any immediate alerts. They assured us that it did in fact look " fishy '' on their end also ( multiple recipients and all going out at once ) and froze the account and create a fraud case for recovery of funds. About 3 weeks later and they notified us that they could not reimburse the funds because it did not appear to the banks fault.
Product: Credit card

This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is tho result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a porsonal crodit card account opened at Discover on XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.