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

To Whom It May Concern : I recently received a copy of my XXXX XXXX XXXX XXXX credit report, and I noticed some late payments posted on my consumer credit card by Synchrony Bank/ JCP acct number XXXX. Your company is in clear violation of the FCRA. 15 USC 1681 Section 602 A states I have the right to privacy. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I never gave written instructions to furnish this on my credit report! Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Update the above late payments from my consumer report to paid as agreed. This creditor is in violation of 15 USC 1681 Additionally above creditor Synchrony Bank/ JCP acct number XXXX has been reporting inaccuratly to all 3 CRA ( XXXX, XXXX and XXXX ). Please see attatched documents and credit reports. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 602A of FCRA Synchrony Bank/JCP ACCT # XXXX is not reporting properly. I have recieved a total of XXXX different reports from said account mistakes ranging from inaccurant account history/ late payements dates/ account type/ account closed dates/ account open dates. I have been denied a loan already. Ive spent the last month trying to get this corrected all while in need of a vehicle. It has caused me a great deal of stress and time trying to sort this out. All steming from inaccurate/ legal violations of FCRA from said creditor. Thank you very much for your time.
Product: Debt collection

Pursuant to Consumer Protection for Medical Debt Collections Act, Plusfour account XXXX was placed by XXXX XXXX XXXX a medical provider disclosing medical information to third party in violation of HIPAA laws as well must be removed from my credit file no notification was given. And is considered identity theft because it was released without my consent. 

Demand is given to remove from credit file and attorney general report will be filed
Product: Credit reporting or other personal consumer reports

My purpose in writing is to let you know that I have seen various misleading and incorrect details on my credit report and I want these accounts to be removed immediately. I have already stated my concerns to my letters and kindly send my them to XXXX, XXXX and Equifax for further investigations on those accounts which they've furnished on my credit report.
Product: Credit card

XX/XX/XXXX I purchased a boat motor from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XX/XX/year> I returned the motor because parts were missing and could not run. At this time he wrote me a refund of {$1000.00} for the cost of the motor. 
My XXXX bill ( rec, XX/XX/XXXX ) showed only a {$100.00} credit. ( Chase credit card ) I immediately called chase XXXX the a credit was coming for {$900.00} and I didn't want to pay the {$900.00} that my account shows. 
At the same time I talked to the merchant about it and he would credit my card the {$900.00}. 
XXXX XXXX he shows me credited me the {$900.00} on his XXXX XXXX Acct. 
XXXX XXXX I received letter I didn't have to pay the balance. 
XX/XX/XXXX I received a letter that my claim was invalid and they sent the merchant a credit to his acct. 
To this day the merchant has not received the refund back and does not what to give a another refund until he gets it back. 
XXXX has checked XXXX 's acct from XXXX through XXXX showing no credit. 
Numerous calls to Chase bank and gave me dates that the money was sent. 
XX/XX/year>, and added the $ XXXX to my card. XX/XX/XXXX and XX/XX/XXXX were also dates they said it was sent but could take up to 45 days to show. 
On a couple occasions they hung up on me. 
The merchant WON'T give me the refund until he receives his
Product: Credit card or prepaid card

I closed my Citi Thank You Premier Credit card account XX/XX/2019. While closing my credit card account I was NOT told that the reward points would expire within 60 days of closing the card. As a consequence I lost over 50,000 ThankYou reward points. 

I called their customer service but they would not reinstate the points. I am quite certain that they did not inform me that the points would expire so I would like to get them back.
Product: Money transfer, virtual currency, or money service

There are two issues that I am dealing with.

( 1 ) I placed an order for {$68.00} but when it was emailed to me it was charged at {$210.00}. I called to cancel and close my account because I had several other problems with paypal. When I looked at my statement they were requesting a payment for the full amount of {$210.00}. So I reported it to my credit card account holder and started a dispute. I once again requested that paypal cancel my account and I took my banking and other payment accounts off paypal to stop their ability to withdraw money from my accounts. They emailed me saying that they would refund my money and cancel my order. 

Purchase ID : XXXX Order date : XX/XX/XXXX XXXXXXXX XXXX Cancellation Date : XXXX XXXX They are still asking for the funds ( 2 ) The other issue is that I received an email telling me that they had approved a payment for {$1000.00} for a Bit Coin purchase ( XXXX ) dated XX/XX/XXXX. I called to tell them that my account was closed and I had not placed this order. So I decided to contact you. The address on the order s not mine and this is very unusually. 

Since this has become an on going problem I need your help.
Product: Debt collection

Jefferson capital says i owe money XXXX from XXXX.i don't have XXXX i have XXXX..so this debt is not mine..
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/2023 I requested to revoke ACH automatic withdrawal. I called twice and was informed banking info was deleted. On XX/XX/2023 and XX/XX/2023 the company continued to send ACH withdrawal
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that there was an inaccurate account on my credit report. 

XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b, Section 605 ( h ) ( 1 ). This section ensures the accuracy of consumer reports, including the personal identifying information reported by credit reporting agencies. 

I contacted XXXX and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

This is a violation of the Fair Credit Reporting Act, and this disputed the item may not appear on my credit report if it can not be supported by any evidence or proof. Please remove the following items from my credit report, immediately. 
CAF
Product: Credit card or prepaid card

I received a deposit of {$23000.00} on XX/XX/XXXX onto my XXXX debit card for back child support payments. Beginning on XX/XX/XXXX ending on XX/XX/XXXX, my XXXX/XXXX number was stolen ( My child support payments are deposited onto this card ) and fraudulent charges in the amount of {$21000.00} were made. I live in XXXX CA and most of the charges occurred in XXXX CA and on dates that I can prove myself nor anyone I know were in those cities. I have always had my card in my possession. It has never been lost or stolen. I had no idea of the fraud until I tried to use my card and it was declined. I called the automated XXXX phone line and was alerted to there being a {$0.00} balance. On XX/XX/XXXX, I immediately contacted XXXX to report the fraud. I was told that my statements would be mailed to me so I could review the charges. And that I only had 10 business days to place a fraud claim. On a side note, I have been in contact with XXXX numerous times regarding issues with accessing my account online. I was told a technician would call. And I have still not received a call from a technician. If I had access to my account information online, I could have noticed the fraud in XX/XX/XXXX instead of two months later in XXXX. When I had not yet received the statements in the mail by XX/XX/XXXX ( 1 day before the deadline ), I called XXXX again and was told the statements had never been ordered by the rep I spoke to on the XXXX. So, I spent 3 hours on the phone with XXXX handwriting every transaction that was not made by me. I faxed all the required documents on XX/XX/XXXX. Then on XX/XX/XXXX, my statements arrived and I found additional fraudulent charges. I re-faxed the updated information to XXXX on XX/XX/XXXX. When completing the paperwork for the XXXX claim, I did make note that my daughter, prior to XX/XX/XXXX, had used my debit card, WITH MY AUTHORIZATION and with me in the car. Due to this, XXXX closed my claim with no investigation. Please see attached letter regarding the closing of my claim. I was never offered the option of direct deposit for my child support payments, but have now set that up. During this time, I filed a police report and reached out to XXXX XXXX, the issuing bank on the back of the card. XXXX XXXX was of no assistance stating that XXXX is responsible for the handling of fraud claims. My issue is that {$21000.00} of my money was stolen and I am not receiving the attention this dire situation merits.. I am not the only XXXX holder that is in the situation. If you XXXX " XXXX Fraud '', you will find over 600 bad reviews. I feel like I am running in circles, having spent hours on the phone, sleepless nights and experiencing high anxiety, with no help or resolution in sight. I would like to file a claim against XXXX, XXXX XXXX and XXXX XXXX.
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, 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

In XXXX  XXXX XXXX  closed my account and charged it off as bad debt for which I received a XXXX and it was filed on my tax return. Though the debt was charged off, my credit reports drill reflect the full balance. In efforts to get the situation resolved by making a payment toward the balance, XXXX XXXX  does not allow you to make a payment with them. When calling back, XXXXXXXX XXXX leaves me on hold for extended periods of time. It is illegal for XXXXXXXX XXXX to take the full balance from me on a debt that they have already charged off and received tax benefit for. It is unfair for XXXX XXXX to let my credit continue to be negatively affected.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Federal 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: Credit card

Throughout, I've maintained punctual payments on this account, preventing any overdue instances. The origins of reported tardy payment remarks on my accounts are unclear to me. According to 15 USC 1666b - Billing Error, rectifications should be made.
Product: Credit reporting, credit repair services, or other personal consumer reports

i, XXXX XXXX XXXX, woman of flesh and blood, beneficiary to the account XXXX XXXX XXXX ssn : XXXX dob : XX/XX/1992 previous address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX [ zip code exempt ] current living address XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX [ zip code exempt ], new mailing address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX [ zip code exempt ] have submitted several disputes to Equifax through the CFPB as well as USPS but have received no results and it has now been well over 30 days. 

I received a letter by mail from Equifax stating that they received my request concerning my Equifax credit file but that they could not locate my file. That it may be due to me not having a current file, or not applying for credit recently, or that i have not actively used credit in ten years. However when I logged into Equifax I was able to find my credit file. Is there a reason why you were unable to find my credit file but I am able to? Also out of the two scores presented by XXXX XXXX one of them is connected to Equifax. Equifax has allowed corporations to provide documents affecting my way of living but is refusing to investigate my disputes. Is there a reason you have chosen not to investigate my disputes? i provided Equifax with proof of identity and address, i provided Equifax with account numbers, i provided Equifax with proof of payment in full, i provided Equifax with proof of the corporations receiving payment yet they have taken no action on my behalf to correct my credit file. What is the reason for this? To state that it is due to not locating my credit file when that is clearly a false statement leads me to believe that you are working for the corporation and not for we the people. Equifax has allowed these corporations to continue to destroy my credit score in an attempt to extort more money from me. Provide lawful reason as to why you have taken no action to my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified Equifax that the accounts listed under XXXX XXXX are fraud accounts. I have provided a police report, identity theft, social security card and notified Equifax several times. You continue to report this fraud information on my reports. I am asking that you delete & Block all accounts listed as XXXX XXXX as they are not mine.
Product: Credit card

I opened a new chase XXXX preferred card a few moths ago. I figured it would be a good card for when I traveled abroad. Before I left on my trip, I signed up for their autopay program. I was gone for XXXX weeks. When I came home, I noticed that I had a balance from the previous month. I called chase, and the rep told me there are some purchases that do n't qualify for autopay. I had no idea why, but I felt I had no choice to pay the interest. If I had made a mistake not reading some fine print, it was my fault. I called them back and asked the rep to use my bank account to pay off my balance. He said he would take care of everything. My balance and any interest charges I owe would be taken care of. This was 3 months ago. I have since received a couple of hundred dollar charges on every statement received after. When I inquire about it, they tell me they are residual interest charges. Not sure why I 'm paying residual charges when everything should be paid off and I was specifically told by the representative that I would be starting on a clean slate after I paid off my balance. I 've had many credit cards over the last XXXX years. I 've never XXXX paid interest until 3 mouths ago. Very frustrating to deal with their customer service. They are charging bogus charges to make money.
Product: Credit card

I contacted the Bank regarding a credit card that just closed on my credit file. I wanted to pay 5 months of the payments that I am behind on. I spoke with XXXX ( No ID was provided ) XXXX stated that there was a settlement available to me of 3 payments of {$1000.00} and that they would report the payments to my settlement to the credit bureau I told him that I would first need to consult with my financial advisor before I accepted this settlement and I would call back. XXXX then stated to me that I had no other choice other than to accept the settlement offer and that I can always cancel. 
He went over a few disclosures via telephone then we hung up. Immediately after speaking to XXXX I contacted my financial advisor and she immediately told me to callback and clarify that it is not my intention to settle the debt but to instead pay in full. This settlement would not on damage my credit reliability and relationship with Bank of America it will be damaging to my credit as well. I called back and spoke to several representatives they denied me to withdraw this verbal deceptive agreement. I was denied the option to do so I mentioned the conversation XXXX and I had and made it clear that he told me that I can cancel it it hasn't even been a hour since the call ended. 
I spoke to XXXX on XX/XX/XXXX which is a manager as well as XXXX which is a representative. They all told me that I could not withdraw the settlement I told them that I will not be settling I will not be forced into a settlement and I requested them to send me my payment coupons as normal and that I will be paying the card in full I HAVE NOT RECEIVED ANYTHING AS OF YET. They are denying me to pay in full.
Product: Mortgage

I made an application for a mortgage product at Td Bank. According, to the officer I needed an additional person or persons on the mortgage application because I am single. In that case, I talk with my parents. Therefore, I told the officer to add my parents. Later on, when she was ready to call them. I told her to call with a translator because they have limited English. After that, me o my parents have not received any calls from Td bank regarding our application.
Product: Debt collection

I got a voicemail so I called it back and the lady was rude hung up on me twice, and I called back and the lady was really rude again and espically when I told her what my lawyer said which was to ask for an itemize list, she refused and then said well XXXX XXXX have an officer pick u up and then you can have your lawyer meet you there. And she even knew the county I was in. Funny thing is she brought up the man I divorced in 2007. She got quite when I told her I havent talked to him sense our divorce in 2007, and I remarried after him. I asked to speak to a supervisor but she refused and hung twice on me. The voicemail is automated and is a saint compared to the actually people you talk to on the phone. Even the voicemail said it was a civil suit please explain to me if its a civil suit how can they get me arrested. Just FYI what they are doing is against the law. And if ANY debt collector call just say I need itemize list of this bill and they have 14 days to get it to you. If they dont have a. Itemize then DONT give them a dime. It our right that they have to have a breakdown on all the charges and most of time they dont have an itemize because they buy ur debt almost ever time they dont get an itemize list, but people dont know about our rights. They HAVE to give u itemize list and if they dont have it then u dont have to give them a dime. When I find out who they are Im suing the XXXX out them because threaten saying they were going to arrested me and then called back and called me a liar which is funny because I recorded EVERY conversation. And another female called me a liar saying the lady didnt say she was going to have the cops arrested and when I let her know I have all recordings ( thank you XXXX ) then she hung up and I havent been called sense. Werid thing is she said it was from XXXX XXXX XXXX  and I owed {$800.00} and that just for today if I pay {$250.00} they would clear the debt. I was like hold up I never owned an account at XXXX XXXX. The closest XXXX XXXX XXXX is OVER XXXX mins away. But make sure u know ur right if they keep calling and or threaten u. All of it the number of calls to them being aggressive or say ur going to jail. If any of that happens to you. U have strong grounds to sue them its the law but theyre hoping u dont know your rights.
Product: Checking or savings account

Received an unauthorized debit of XXXX on XX/XX/23. I called to dispute charge, spent 45 minutes trying to verify my ID, even though I answered their questions they still couldn't do it and told me to go into a branch even though I am XXXX and can not get around.
Product: Debt collection

My most recent credit report contains accounts that I believe were added without consent and are incorrect. Please remove these fraudulent accounts from my report right away.
Product: Credit reporting or other personal consumer reports

My credit report is reporting obvious inaccurate information, which is not supposed to be. My credit report can not have inaccurate information however this is not the case and this inaccurate false information is still reporting. This is harming my credit ability because it is misrepresenting my credit information unfairly.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : XXXX Account XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

Accounts : XXXX XXXX ( Inquiry ) XXXX XXXX XXXX XXXX XXXX XXXX ( Inquiry ) - XXXX XXXX XXXX XXXX XXXXXXXX ( Inquiry ) - XXXX XXXX XXXX XXXX XXXXXXXX ( Inquiry ) - XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( Inquiry ) - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Inquiry ) - XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Inquiry ) - XX/XX/2021 XXXX XXXXXXXX XXXX XXXXXXXX ( Inquiry ) - XX/XX/2021 XXXX XXXX XXXX  XXXX