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

Name : XXXX XXXX Phone # : XXXX RE : Credit Card Breach at Chase Financial Services. 

Detail Events : -Received fraud alert from Chase on Wednesday, XX/XX/2019 regarding card ending in XXXX. 
-Chase closed card ending in XXXX and issued card ending in XXXX following confirmation that I did not approve the authorization from a merchant named " XXXX '' in the amount of {$0.00}. 
-The card was mailed overnight and received on Friday, XX/XX/2019 via XXXX. 
-I received the card on Friday evening, XX/XX/2019 and added it to my wallet. The card did not leave my house. 
-Received a call from Chase Fraud Team on Saturday, XX/XX/2019 at XXXX PST. Message that my card had been compromised through an inbound call from a phone # ending in XXXX. I advised Chase that the new card had not left my house and asked for additional information on the breach. Chase would not provide more information on the inbound call. Instead they closed card ending in XXXX and issued a new card that mailed via overnight XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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
Product: Mortgage

We applied for a home loan using agent XXXX XXXX ( license # XXXX ) and were pre-approved. We had a meeting with XXXX and expressed concern that another mortgage lender had denied our loan. He said he personally reviewed our file and there were no concerns. On the day we were supposed to close, XXXX said there were delays due to the other parties involved. We responded promptly to every request from his team in an effort to expedite. During this time XXXX was difficult to reach. Finally 2 days after we were supposed to close, XXXX sent a text at XXXX saying the loan had fallen through because my job was temporary. I had provided a letter from my job from the beginning stating it was temporary employment and nothing had changed. We later learned that this is a common reason people dont get approval for their home loans and likely why we were not approved by the other lender. Meanwhile, we were 2 days past when we were supposed to close on our new house. We had sold our home in XXXX  that we had been living in on the basis of being approved for this loan for our new home in XXXX. We were staying with our toddler and XXXX XXXX at friends house with past due XXXX carrying all of our possessions in their driveway. When we tried to contact XXXX, he was unreachable. Our realtor and the title company could not get ahold of him either. I scrambled to borrow money from family because we were literally homeless. As I arranged a cash deal with the title company on my own, the title agent said that XXXX was the worst loan agent that she had ever worked with in all her years due to lack of communication throughout the whole process. A full day later, after we had figured out everything on our own, XXXX left a voicemail on my cell phone that he had been away from his desk during this time and his team, not him, made mistakes and that this was an opportunity for growth. The term opportunity for growth is not a term you should use when describing a situation in which you did not do the XXXX job you were supposed to do leaving a family literally homeless. When a home loan that you are responsible for is past closing date due to you not doing your job, the last place you should be is away from your desk. XXXX XXXX should be ashamed of himself and should not have a mortgage license.
Product: Debt collection

First off, I have been dealing with XXXX for a while now. They unlawfully received a list of medical procedures and tests that I had done from XXXX XXXX XXXX and filed that within the court system, making those public records. They then tried to garnish money from my bank account. My bank account has my husband 's VA money and my student loan funds in it. Of course, there wasn't any money in the account due to us living paycheck to paycheck and paying our bills. The attorney actually accused me of moving money when I went to court on XX/XX/2022. Next, I call XXXX who is the XXXX of operations at XXXX and leave him a voicemail stating that I am willing to make payment arrangements. A few days later, instead of a call back, I get another garnishment from one of my places of employment. I do not even make {$500.00} in a paycheck and they are trying to garnish my wages. I have read many complaints against this company that state that they do not allow people to make payment arrangements and when they do, you need to keep track of your payments because they will say they never received them. I have never felt so humiliated by a company before. They have probably spent more in attorney 's fees than what I owe. They never call me back. They never mail me anything when I asked for items in writing. They never even sent me information before they started court proceedings that I owed anything.
Product: Debt collection

To Whom It May Concern : When reviewing my credit report, I found several accounts listed in my name that do not belong to me. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. The items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I have contacted the Federal Trade Commission and filed a police report. I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financially liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance, your agency has yet to respond to my questions and statements of the Law.

AFFIDAVITS OF LAW 1. Are you the original creditor?

2. Have you given the debtor the opportunity to review the original contract?

3. Have you validated the home address for the debtor?

4. Have you complied with all FRCA, FDCP and FDCPA laws?

5. Have you reported to the consumer who has reviewed the original contract information with his/her original signature?

6. Have you provided the names of all creditors that have provided the names and addresses of the person who has reviewed consumer relations? 

Accounts : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX If the above has not been completed, please Delete these accounts from my credit report and stop all contact with me. Under the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me regarding the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your company management. I also have the right to file suit against you for any future violations of this law.

I have filed an FTC Report and attached a copy of my Ohio Drivers License and Social Card to verify my Identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian & XXXX  fail to delete fraud auto loans from my credit report even though I have submitted and identity theft Affidavit, police report, and my ID which is completely different from the one used to secure these loans my driver license number doesnt even match they still have refused to remove the inaccuracies and have sided with the auto loan company to which both are clearly violations of my rights as a victim of identity theft! On top of that XXXX  is apart of the reason my data has been compromised as I was one of the victims of there companies major XX/XX/2017 data breach and they still fail to help me resolve my identity theft issues which may have been from the affects of that breach. I have submitted multiple disputes all same results with credit companies.
Product: Credit card or prepaid card

On XX/XX/2020, I purchased two tickets from XXXX XXXX for a XX/XX/XXXX trip to XXXX with my Capital One card. Total cost was {$1500.00} for each ticket. In XXXX the airline cancelled the flights due to Corvid. I could not reach the airline since the whole country was shut down. I contacted Capitol to dispute the charge. On XXXX XXXX 2020 Capital One credited my account for the charges plus interest. On XX/XX/2020 Capital One recharged the amount back to my account because they received a letter from XXXX on how they were going to handle the cancellation. It is now XX/XX/XXXX, almost a year since the flight was cancelled and I still have not received a credit and I am unable to reach XXXX and Capital One is unwilling to reverse the charge or help in anyway. Other family members who were in the same situation had no problem with their Credit Card companies reversing the charge. I am sure they got the same letter from XXXX 
I have been a long standing customer of Capital One and they way I am being treated is unbelievable. They are taking the side of the vendor instead of the customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, XXXX  XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Credit card or prepaid card

I was inadvertently signed up for auto pay with care credit and auto pay with my bank. My bank payments were made timely every month and the other auto payments were rejected. For months I would call them and say my bank just cleared the payment whats going on? They had no idea?? It was not until XXXX that someone at care credit figured out why I kept getting letters saying my payment was returned and they took off the auto payments through their website site leaving just my XXXX auto payments in place. I have never been late on this card and in fact just paid it off in full. However my credit will be affected by their incorrect reporting I would like this card reinstated for use as I have complied with their terms AND never been late. This company needs to look at peoples payment history before unjustly closing accounts. This is an error in their part and I suffer the consequences. UNFAIR TO SAY THE LEAST!!!
Product: Credit reporting or other personal consumer reports

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

Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent letters via certified mail out to XXXX, Equifax, & XXXX regarding an account that is being reported incorrectly on my credit report. I asked them to correct the information. They never have. I have sent them proof that the company is reporting inconsistencies across the reports. They do not match. The agencies have not followed up with me or provided any documentation on why the data has not been corrected. I subsequently mailed letters in XX/XX/2021 asking them to provide me with how they 'verified " the information and to delete the account altogether since it was not correct. I still have not heard back. The agencies failed to do their due diligence. If they had the data would not differ from credit bureau to credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX there is no third party involved. I am submitting this complaint on behalf on myself. I sent a letter about validation of debts. Consumer reporting agency have not carried out their responsibility ordered under the law. They are in violation of 15 US Code1692 ( g ) ( a ) ( 5 ). I request for them to send the original documents from creditor. They have not provide no information to me about no original document I have sign. Section 611 ( a ), it is explain that an inability to explore these things inside 30 days gives motivation to quickly removed those items from my credit report. It has been more than 76 days so they have to deleted promptly. I request these accounts be deleted promptly or I will petition for prosecution because of the pressure that you caused me.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL OF THESE INQUIRES ARE EXPIRED AND HAVE BEEN UNAUTHORIZED AND ILLEGALLY REPORTED AND PLACED ON MY CREDIT REPORT. ATT : TRANSUNION- PLEASE REMOVE THESE EXPIRED AND ILLEGAL INQUIRIES THAT WERE REPORTED ON MY CREDIT REPORT IN XX/XX/2016 TRANSUNION
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit report pulled by Experian. The report showed a loan that I did not have or ever apply for. I initially called the company that the report showed I had a loan with but they couldn't find me in their system by name or SSN. I then talked with Experian and found that my report/file merged with someone else 's with a similar name/SSN. Experian is correcting the issue.
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which are involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed three ( 3 ), fraudulent Tradelines that are reporting on my personal consumer report bearing the name of XXXX XXXX XXXX. The Tradelines are XXXX XXXX  # XXXX, XXXX XXXX  # XXXX, AND XXXXXXXX XXXX XXXX XXXX # XXXX. 

I have requested that Experian provide the legally required proof required to report these fraudulent Tradelines under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 

Experian has not provided any proof and has failed to DELETE the three ( 3 ) fraudulent Tradelines. Therefore, I am demanding that Experian DELETE the Tradelines due to the fact you have not supplied the demanded proof of the alleged Tradelines, under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of these alleged Tradelines, nor therefore any such Tradelines, in fact exists. 

I expect the three above listed Tradelines to be Deleted from my Experian personal consumer report within 15 days of receipt of this letter, in compliance with the FCRA. FCRA 611 ( a ) ( 7 ) provides : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

Experian is in violation of the FCRA and outright refusing to uphold the law. According to the Fair Credit Reporting Act, your company has an obligation regarding the accuracy and integrity of the information you furnish. Continuing to report these three ( 3 ) Tradelines after I have advised you that they are fraudulent constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy.
Product: Credit reporting

Equifax is ignoring my requests to investigate and remove an account from my credit report that does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

FROM XX/XX/2022 Been trying to fix my credit with no results. Multiple requests of disputes, investigations and re-invistigations have failed to fix the problem as a result now I have an INCOMPLETE tradelines which includes XXXX, unknown information because according to TransUnion the furnisher does not know the information disputed. I have tried to communicate with the furnisher in multiple occasions via different channels of communications all with no results. The furnisher has refused to provide the information disputed and the representatives are unqualified or unable to verify any information due to being in a remote location outside if the United Sates or in other occasions employees working remotely with limited resources to escalate or transfer calls to the correct party. Most recently I called and spent over an hour with no results, nobody knows where the information disputed is. In addition, the certified letter I sent with signature required, the representative checked the company 's directory and advised the person who signed the certified letter return receipt is not in the employee rooster. 
Both parties in concert have done anything to provide a fair, accurate, error free tradeline. I have exhausted all efforts and seek assistance enforcing my consumer rights.
Product: Debt collection

XX/XX/2019 Employer contacted by XXXX XXXX using spoof phone number program detected. Informed us that there is a case number. Did not mentioned whom she worked phone, but this isn't the first time her company has contacted from phone number XXXX and XXXX. 

Continuous harassment about a fictitious case number. Contacted employer, relatives, and did not provide written statement as to facts of subject matter. XXXX XXXX avoided providing the name of the company she worked for and any information pertaining to the reason for the call. Just a case number.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under the Fair Credit Reporting Act ( FCRA ). As a consumer, I believe that your organization has violated my rights as stipulated in the FCRA, specifically under 15 USC 1681 Section 604 ( a ) Section 2 and 15 USC 166b.

15 USC 1681 Section 604 ( a ) Section 2 of the FCRA outlines the permissible purposes for obtaining a consumer report, restricting access to an individual 's credit report to those with a legitimate and lawful reason. This provision is in place to ensure that sensitive credit information is only accessible to entities with a valid need, such as creditors, employers, insurers, and landlords. Any unauthorized access or use of my credit report may be deemed a violation of this provision.

15 USC 166b is a significant part of the FCRA and sets out requirements for obtaining and using consumer reports for employment purposes. This section aims to protect the rights of consumers, particularly when it comes to their employment opportunities. It obligates employers to adhere to specific guidelines when requesting and using consumer reports for employment screening purposes. Violations of these guidelines can result in a breach of a consumer 's rights. 

I believe that your organization has infringed upon these provisions of the FCRA by treating a payment as late. 

I kindly request that you investigate this matter thoroughly, rectify any errors, and take the necessary corrective actions to ensure compliance with the FCRA. It is vital to protect consumer rights and maintain the integrity of the credit reporting system. 

Please provide a written response within 30 days of receiving this letter, explaining the steps you have taken to address this issue and any remedies or corrective actions you plan to undertake. Additionally, I request that you furnish me with any documentation or information related to this matter.

Failure to address this issue within the stipulated timeframe may compel me to take legal action to protect my rights under the FCRA. I hope it does not come to that, and I trust that we can resolve this matter amicably and in accordance with the law.

I look forward to your prompt response and a satisfactory resolution to this issue.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc . ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Vehicle loan or lease

After turning in the car in EXCELLENT condition, they stuck on a " disposition '' fee for {$350.00}. Feel this is an unjust " garbage '' fee.
Product: Credit reporting or other personal consumer reports

Fraudulent Information on Credit Reports : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

This is my several endeavors 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, remove 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 XXXXXX/XX/XXXX
Product: Debt collection

Progressive management continues to try to collect for medical debt that insurance has agreed to pay on. They also continue to update every week a new amount to the credit bureau with different amounts. I have contacted them, XXXX XXXX XXXX XXXX and my insurance which has all been agreed upon to be paid and removed but still insist on reporting numerous times a week to my credit report.