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

On XX/XX/22 I made a XXXX XXXX XXXX {$6000.00} transaction. The transaction was duplicated/billed twice to my Chase account. Double transaction fees were applied also. It has put my card over the limit. I have called & spoken to Chase representatives 3 times on 3 different days. I also spoke to a supervisor. I am being told that it is an ongoing issue that Chase is aware of and other customers are having the same problem. They have an issue that is putting my credit rating at risk. Can you please help?
Product: Credit reporting, credit repair services, or other personal consumer reports

FRCA Violation credit cards XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRCA Violation collections XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Complaint to the CFPB regarding personal data exposure and negative credit records Summary of the Situation : Dear CFPB Representatives : I am submitting this complaint to request an investigation following a security breach in which XXXX XXXX XXXX XXXX XXXX ( XXXX ) failed to adequately protect my personal information. According to XXXX, on XX/XX/year>, a third party gained unauthorized access through the XXXX software, affecting thousands of customers and exposing sensitive data, including my name, address, date of birth, Social Security number, and bank account number. This failure to protect my information has caused significant vulnerability in my credit history and increases the risk that negative information on my report may be inaccurate or impacted by unauthorized activity. 

Legal Argumentation : Violation of the Gramm-Leach-Bliley Act ( GLBA ) : Safeguards Rule : Under this law, financial institutions must implement strict security measures to protect customers ' personal data. XXXX did not meet this obligation, exposing me to risks and compromising the accuracy of the information reported on my credit report. 
Privacy Rule : XXXX  was obligated to promptly notify me about how it protected my information, and its failure to do so directly affects the validity of the negative records reported. 
Violation of the Fair Credit Reporting Act ( FCRA ) : Section 1681i ( a ) - Right to Accurate Information : Due to this data breach, the negative information reported by XXXX  may be inaccurate. This section requires that all information be accurate and verifiable. 
Section 1681s-2 ( b ) - Obligation of Information Furnishers : The law requires creditors to verify the accuracy of information before reporting it. Given that XXXX acknowledged the exposure of my data, they may not have met this requirement. 
Violation of the Fair Debt Collection Practices Act ( FDCPA ) : Section 1692e - Prohibition of False or Misleading Representation : Any negative representation reported without adequate protection of my data could be considered misleading and may not accurately reflect my actual credit situation. 
Request for Investigation and Correction : I request that the CFPB investigate this case and determine the accuracy of the negative information reported by XXXX  on my credit. I also ask that these negative records be removed due to the failure to protect my personal data and the vulnerabilities created by its exposure. I trust that the CFPB can ensure my credit report is fair and accurately reflects my history without errors caused by negligence beyond my control. 

Thank you for your attention, and I look forward to a prompt response that protects my rights as a consumer. 

This complaint emphasizes XXXX 's failure to fulfill its legal responsibilities and requests an investigation to ensure that your credit report reflects fair and accurate information.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act Toyota Mortor Credit XXXXhas violated my rights. 15USC 1681 section602 States I have the right to privacy. 15USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15USC 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 reporting, credit repair services, or other personal consumer reports

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

Account name 's & numbers : 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 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A. section 2 : It also state 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 then seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit card or prepaid card

XX/XX/2023 Comenity Capital Bank - IKEA Visa Credit card I received an email from company above, XXXX, stating that they had received an application for a credit card in my name. They also pulled a hard inquiry against my credit. The e-mail stated I would be notified via mail in 10-14 days.

I called Community Capital Bank and was eventually transferred to their fraud department. The representative hung up on me.

I did not apply for this credit card and I do not do business with this bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting under the business name of XXXX XXXX to all three credit bureaus. This is causing a lot of confusion. Additionally, XXXX is reporting inaccurate information to all three credit bureaus regarding my account. I disputed this information and the inaccurate information continues to be reported. This serious issue has now caused me to lose a job opportunity and a chance to submit an offer on a home that was accepting highest and best offers by XXXX on Sunday, XX/XX/XXXX. I have an attorney that is willing to take this case on a contingency basis and will sue for punitive damages on my behalf since I have documentation of the loss and the accurate information. One of the incorrect items is a 30-day late negative mark forXX/XX/XXXX when my payments were deferred only after I was impacted by a natural disaster. I am hereby requesting that ANY and ALL negative marks pertaining to my lease with Mini Financial/BMW Financial to my credit report be removed immediately. 

Another issue is that Experian refuses to acknowledge that XXXX XXXX XXXX is also XXXX. 

Additionally, I've send documentation on the above items and more but this credit bureau claims to not receive documentation sent to them on various occasions. This has been extremely frustrating.
Product: Mortgage

We have been struggling with paying our mortgage for a while. This is the XXXX XXXX time I have had to borrow money just to keep up. To get most recent modification I had to file bankruptcy, because it was only then that Ocwen would take us seriously. As a result of this my credit is damage. The loan started as an interest only loan, XXXX Arm, which quickly increased in payments. We refinanced to what we thought was fixed only to learn it was another interest only loan with a XXXX Arm. When we tried to correct this Ocwen would not cooperate, instead they had someone else information on our file who was claiming to live in our home but in reality was trying to take the home from under us. It was then we went to a lawyer and had no other choice but to go the bankruptcy route. Even after all of this it is still not over, now what should have been a fixed 2.00 % apr, 30 year loan, if now increasing ( most recent XX/XX/XXXX ), and will increase again in XX/XX/XXXX to a 4.50 % apr, with the final payment being a balloon payment. This is the most discouraging of it all, because we would have been struggling for 30 years and still possibly lose the home is we do not have enough to cover the final payment. It has already been an 11 year struggle ... .and still no relief. We would love some assistance please as we are currently behind 3 months and now Ocwen is rejecting my monthly payments of {$1000.00}.
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported to be removed. 

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

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


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

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

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

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

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXXXXXX, GA XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX, XXXX ; XXXX XXXX XXXX Balance Owed : {$400.00} ; DEPT OF ED/XXXX XXXXXXXX Balance Owed : {$48000.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$42000.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$470.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; 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 XXXX XXXX XXXX
Product: Credit reporting

I work very had to make sure I stay on top of my bills and commitments and I was astounded when I learned Equifax placed an unknown BK to my credit. 
I contacted them immediately and the error was removed. However, i received an alert8 months later that the improperly placed BK has been RE-INSTERTED to my credit!!! 
I am requesting that the unknown entry be removed immediately It says on my credit that the BK was filed in XX/XX/XXXX when we are in XX/XX/XXXX!! 

US DIST CT Date Filed XX/XX/XXXX Type Bankruptcy : Discharged CH-XXXX Reference XXXX Plaintiff
Product: Credit reporting or other personal consumer reports

I had no idea XXXX cell phone account through XXXX that was opened in my name in XXXX of 2022. I've have phone service through tmobile for several years. I found out about the fraudulent account by logging into my xfinity account to pay my cable bill XXXX day and saw the cell phone account had 3 months worth of history on it. I have also tried to get in touch with XXXX representatives to inform I am getting someone else 's bill to my email that is not mine. I am not sure if this is affiliated. However, this is affecting my credit report.
Product: Debt or credit management

I was at XXXX 's live, trying to deal with a ticket with this person on XXXX ( XXXX ). 
I found a person who was willing to deal a ticket because " they got sick and could not go. '' They sent me an actual screen record to show that they had a ticket, and I trusted that person. I paid {$90.00} ( XXXX first, then XXXX ) ( second payment ID : XXXX ) because they told me I had to send the money in order for them to send tickets. However, they blocked me, and I did not receive any tickets.
Product: Debt collection

These medical debt collection agencies has attempted to collect a debt on several different levels. One was a debt that my grandson 's school was responsible for because he had football insurance, the others were used against me when I gave them my VA medical insurance information upon entry to the XXXX and on their constant harassing and threatening phone calls, to no avail. I am now a XXXX XXXX veteran living off of XXXX and declared " unemployable '' due to my injuiries substained while XXXX. 
XXXX was sent a " victim 's fraud '' package.I also sent them relevant documents. So why deleted only XXXX of the XXXX. They dismissed XXXX accounts and not a XXXX one. This is very disturbing to me. I have a XXXX XXXX XXXX as well as XXXX from being injuired XXXX and this does not help my XXXX. 
During hurricane XXXX I was a victim of fraud. And the credit bureau has an " VICTIM FRAUD ALERT '' on my credit because all necessary police and other reports were submitted to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is about the following accounts : COLLECTION : # XXXX, which you claim, I owe [ {$57.00} or my account was charged off {$57.00} ]. and XXXX # XXXX, which you claim, I owe [ {$440.00} or my account was charged off $ XXXX is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection practices Act and the Fair Credit Reporting Act, along with corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and Equifax ) from your company or any company that you represent, for a debt that I dont owe, is a violation of FCRA & FDCPA ; therefore if you can not validate the debt, you must request that credit reporting agencies delete the entry. 

Pending to the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond withing 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum {$1000.00} in damages per violation for :. Defamation. Negligent Enablement of Identity Fraud. Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ). Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 











Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC XXXX XXXX XXXX XXXX
Product: Credit card

The accounts XXXX and XXXX are in violation of the FCRA as they are knowingly inaccurate under 623 ( a ). Bank of America has not done a thorough investigation as to the validity of these accounts and they have already lost in court over XXXX of them. I have retained an attorney and will be commencing litigation with them over these accounts if a thorough investigation is not completed and documentation provided as to ownership and original contract information for both of these accounts. 

The Credit Reporting Agencies will not provide the information afforded in my rights under the FCRA 609 ( a ) ( 1 ) and now Bank of America is gaming the system to punish me for beating them in the courts.
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt was included in a amortization of debt. We filed in XXXX of 2018. And was a court order payment plan. I have tried several times to get the bank to fix my account. They charged off my account after the court order and sent it to a collection agency. They are breaking the Wisconsin law. The trustee notified XXXX XXXX  in XXXX about the plan and did accept the agreement. This account should be current since XXXX and not a charge off collection I have spoke with there attorney and was told they have nothing to do with the way XXXX XXXX is reporting the payments. He told me he would contact them. Never heard back. I just received a letter from XXXX they claim they are correct. Not true
Product: Credit reporting or other personal consumer reports

These Accounts have violated my rights According to FCRA. 
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 THIS LETTER IS REGARDING THE ACCOUNTS LISTED ABOVE, WHICH YOU CLAIM IS A COLLECTION THAT I HAVE WITH YOUR COMPANY. THIS IS A FORMAL NOTICE THAT YOUR CLAIMS ARE DISPUTED. 
I AM REQUESTING VALIDATION, MADE PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT. PLEASE NOTE THAT I AM REQUESTING " VALIDATION ", THAT IS COMPETENT EVIDENCE BEARING MY SIGNATURE, SHOWING THAT I HAVE ( OR EVER HAD ) SOME CONTRACTUAL OBLIGATIONS TO PAY YOU. 
PLEASE ALSO BE AWARE THAT ANY NEGATIVE MARK FOUND ON MY CREDIT REPORTS ( INCLUDING EXPERIAN, XXXX, AND XXXX ) FROM YOUR COMPANY OR ANY COMPANY THAT YOU REPRESENT, FOR A DEBT THAT I DONT OWE, IS A VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT FDCPA 807 [ 15 USC 1962e ] ; THEREFORE, IF YOU CAN NOT VALIDATE THE DEBT, YOU MUST REQUEST THAT ALL CREDIT REPORTING AGENCIES DELETE THE ENTRY. 
PENDING THE OUTCOME OF MY INVESTIGATION OF EVIDENCE THAT YOU SUBMIT, YOU ARE INSTRUCTED TO TAKE NO ACTIONS THAT COULD BE DETRIMENTAL TO ANY OF MY CREDIT REPORTS. FAILURE TO RESPOND WITHIN 30 DAYS OF RECEIPT OF THIS WILL RESULT IN SMALL CLAIMS LEGAL ACTIONS AGAINST YOUR COMPANY AT MY LOCAL VENUE. I WILL BE SEEKING UP TO {$5000.00} IN DAMAGES FOR : 1 ) DEFAMATION 2 ) NEGLIGENT ENABLEMENT OF IDENTITY FRAUD 3 ) VIOLATION OF THE FAIR CREDIT REPORTING ACT AND FAIR DEBT COLLECTION PRACTICES ACT. 
YOU WILL BE REQUIRED TO APPEAR IN A COURT VENUE LOCAL TO ME, SINCE YOU ARE CLEARLY DOING BUSINESS IN MY AREA. 

FOR THE PURPOSES OF Q5 USC 1692 et seq, THIS NOTICE HAS THE SAME EFFECT AS A DISPUTE TO THE VALIDTY OF THE ALLEGED DEBT AND A DISPUTE TO THE VALIDITY OF YOUR CLAIMS. 
Please Note : THIS notice is ab attempt to correct your records, and any information received from you will be collected as evidence should any furthermore ACTIONS be necessary. This is a request for information only and is not a statement, election, or waiver OF status.
Product: Credit card or prepaid card

I have a XXXX XXXX card through Comenity Bank. Their system has been down for several days with no ability to communicate with anyone. No explanation is being given for the extended outage aside from generic responses. No answers given about making payments, unable to access my information to check for possible fraudulent purchases. No estimated time is being given for service restoration. Very concerned there was some sort of breach and it is being hid from customers. They are giving everyone until XX/XX/XXXX before late fees, which is only a few days away.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX, NC XXXX ; XXXX XXXX Balance Owed : {$160.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$24000.00} ; XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX {$2800.00} ; XXXX XXXX XXXX  Balance Owed : {$5000.00} ; XXXX  XXXX Balance Owed : {$8400.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance Owed : {$160.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report I noticed fraudulent activity listed on it. Due to this fraudulent account, it is harming my ability to obtain new credit. Please remove this account immediately.
Product: Money transfer, virtual currency, or money service

US bank gave me a debit card that got stolen from me in a armed robbery and the fees I got charged were insane. I was billed the max overdraft for this debit card and US bank is declining my dispute even though I disputed it with them. I have so many bank accounts that got stolen its hard to keep track. XXXX XXXX  is also refusing my dispute after I filed a dispute for being a victim in an armed robbery and won't change any information on my account and wants me to pay cash for the money they put in a pooled online vault to collect interest with billions of other people pooled into the same vault just like US bank. US bank and XXXX XXXX  keep sending me debt collection for the accounts that I have disputed for being a victim in an armed robbery and refuse to approve my dispute despite the fact they have been using my money in a pooled fund that collects interest so big that it breaks the economy.