23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I purchased a debit card. I asked the vendor if I could activate it later. She said yes. I called the credit card company, XXXX, on their help line if I could activate it later without any fees. They confirmed I could activate the card and inactivity would not begin until after I opened the product, dialed the number, and activated the card. However, that was not the case. I opened the product 90 days after the purchase and activated the card. It had fined me over {$100.00} in inactivity fees. That's XXXX XXXX XXXX dollars. I called to reconcile the matter. I explained the extenuating circumstances and requested additional information about registration, inactivity, theft, fees, activation, and possible solutions. The customer service representative was in an awkward position, I recognized. I empathize. I suggested a call back from someone more knowledgeable about the legal aspects of the matter, in addition to fiduciary obligations, and possible regulations that XXXX steamrolls if unnoticed by the prodigious CFPB. I have been in a similar situation responding to calls that were outside my scope and required further documentation. So the CSR rightly escalated the call to his supervisor, who refused to answer any of my questions. Instead he informed me that the call was being recorded, which might be perceived as a warning. Rather addressing even clarification questions, the supervisor corrected my bad behavior as a consumer. I listened for another five more minutes before I gave in and politely thanked him for his corrections. Perhaps the third call will improved results. However, there is the serious matter of punishing the victim. Since I had recently recovered the physical card, XXXX privileged to add these predatory fees the day I activated the card. I have so many more questions. What is the difference between registration and activation? Why would the vendor have different rules from the loan shark, the official issuing abdorbidant fees? How do I prove it was lost/stolen? Finally, what is their log of transactions from registration to complaint?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States that 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: Debt collection

I was XXXX years old and still under my mother 's care. Now knowing she never had health insurance for me and was not giving me any of my bills, I as a XXXX adult, knew nothing of most of these debts. I never received correspondence or the right to dispute. I had serious, chronic health issues as a young adult and am now- 5 years later recieving relentless calls from blocked and out of states numbers. 2 times they never disclosed they were debt collectors and refused to stop calling me while I was at work. I contacted one back and began a payment plan with them. At first they refused to take less than XXXX dollars a month- I am a full time college student and living on my own. I told them the very most I could do was XXXX and have been paying it for a year with no correspondence of my current balance. No one ever mentioned I could dispute it or could send me an itemized bill- some of the bills are over XXXX XXXX XXXX!!
Product: Credit card

My capitol one credited card became restricted after missing payments and lack of use. Ive been making payments again but not my card is restricted. I have a ton of points I can not use and after speaking to customer service. The said the card is permanently restricted so I can use my points or use the card anymore.
Product: Debt collection

My wife left me a couple of months ago. Just recently I started getting notices from debt collection agencies over fraudulent debt that she took out in name over the last couple of years. She currently has me around {$30000.00} in debt. I have frozen my credit and tried to file a police report for identity theft, and contacted the prosecuting attorneys office, but they both told me that since we are still legally married that I can't do anything about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under section 3513 ( d ) of the CARES Act, all student loan payments should not show up as deferred, but rather should be shown as if regularly scheduled payments are being made. XXXX  is reporting deferred payments and is negatively impacting credit reports/scores, which goes directly against the CARES Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

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

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

XX/XX/XXXX : Purchased a car and got a loan through Ally Financial. 
First payment due : XX/XX/XXXX. First payment made : XX/XX/XXXX All payments due on XX/XX/XXXX of the month. All payments were made and credited well in advance of the XX/XX/XXXX of each month. 

XX/XX/XXXX : Contacted Ally Financial by mail. It was about my car loan 's finance charges fluctuating each month. I questioned why there was a range in finance charges from {$98.00} to {$230.00} in the first four months of my car loan with them. ( I have never been late. ) XX/XX/XXXX : Response from company was a print out of my payment history. 

XX/XX/XXXX : I contacted Ally Financial by mail again with the same question. 
No response as of yet. 

XX/XX/XXXX : I filed a consumer complaint form with the Ohio Attorney General 's Consumer Protection Section. Additionally, I mailed a copy of the complaint to Ally Financial. 
No response as of yet from either Ally or the Ohio Attorney General 's Consumer Protection Section. 

XX/XX/XXXX : I checked today on my payment history with Ally Financial and my finance charges for XX/XX/XXXX were an outrageous {$270.00} ( my cay payment is {$310.00} ). 

I have never been late. 
I have also tried to pay at different times to see if I could find a pattern none that I can determine. 
I find it unbelievable that Ally has never responded to my question about these finance charges fluctuating. 
I find it unbelievable that a company can charge me this amounts these fluctuations are well above any interest rate for my loan. I can not imagine that these finance charges are correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information listed in my report were inaccurate. I requested that they investigate these and analyze my files by sending letters to the credit bureaus. The reality that these items continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries and inaccurate addresses listed below : XXXX XXXX XXXX XXXX  XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XX/XX/2022 XXXX XXXX  XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Debt collection

I began receiving repeated calls from a payday lender called CashNetUSA claiming that I had an account overdue with a balance of {$950.00} as of XX/XX/year>. I have never made any applications for credit with this company or had previous contact of any kind. I subsequently attempted to initiate a fraud claim informing them that I was not the party responsible for taking out this loan, despite the account containing my personal information such as a previous address, previous employer, phone number, name, and social security number. 

I contacted local law enforcement who referred me to ic3.gov to file a report due to jurisdictional issues ( i.e. CashNetUSA does not have a physical presence in my area and the application appears to have been online ) and federal resources would have broad interstate authority. I provided the report to CashNetUSA 's fraud department but they refused to initiate a fraud claim without a report from my local police station despite the obvious evidence of what occurred.
Product: Credit card or prepaid card

I met the {$15000.00} spending on Chase Hyatt Card ( ending XXXX ) this calendar year on XX/XX/2023 statement, to be qualified for an additional free night, but not seeing it 4 weeks after qualifying.

Attached is a screenshot of the year-to-date spending report - the spending amount is {$15000.00}, and if you search my account statement, any return and fees did not exceed {$800.00}, thus I have met {$15000.00} purchase requirement.

Chase online credit card benefits page also the card agreement booklet both say the Free Night Award After {$15000.00} in Purchases - " please allow up to 4 weeks for the Free Night Award to be issued ''. ( relevant language highlighted in the attachment ) The information website link is on Chase.com : https : //www.chase.com/personal/credit-cards/hyatt/world-hyatt/free-awards? chasewebview=false After I made couple of efforts contacting customer service, here are the different versions of the stories that I have been given so far : 1 ) A customer service supervisor said Chase internal procedure document says this free night " should take 6-8 weeks '' to show up. 
2 ) I did not meet the {$15000.00} spending threshold. 
3 ) This is a Hyatt problem, not Chase problem- of course Hyatt says the opposite so that no one can be responsible for it.

Here are my questions that need to be answered officially from Chase : 1 ) How my spending does not meet the {$15000.00} while the spending report shows it's $ XXXX? Please lay out the math so I can understand. 
2 ) When after all will I get the extra free night? right now? in another 2-4 weeks? 6-8 weeks? Or even longer?

3 ) If the card membership agreement and website says one thing, while the internal procedure document says another, should it be characterized as " False Advertising '' and be brought to Federal Financial Committee 's attention, and even be brought to some class action lawsuit lawyer 's attention? 

Thank you! 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted XXXX XXXX XXXX & they told me I've never missed a payment, yet Experian refuses to remove me from being listed as late on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Experians job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please remove the late payments from this account : XXXX XXXX XXXX XXXX
Product: Debt collection

This be on my credit reports. It is not anything I know of. Never wrote me, just put it on my reports.
Product: Student loan

I am supposed to be on a forbearance as of XX/XX/XXXX or XXXX with 0 interest being added to my account. MOHELA has failed to properly report my information to the credit bureaus correctly making it like I missed a payment when I haven't. I am a student that is on the SAVE plan and there is an injunction held up in court which I was told qualifies me for the 0 interest forbearance. I am needing this information corrected ASAP and a supervisor to reach out regarding this matter. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries that I dont recognize and I call the company and when I speak to a customer service they said someone is going to get back to me and they never do Name of the company is XXXX. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this company run my credit the same day I dont recognize them and the day was XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor 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, block 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 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 XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I Went to To Car Dealership, They Told Me They Would Run Credit Once and It Was Ran Several Times. 

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, credit repair services, or other personal consumer reports

TO WHOMEVER IT MAY CONCERN ; This is about Consumer Credit Transaction entered with your Company dated ( XX/XX/2022 ) and I extended your organization the credit for the account number ( XXXX ). 

I hereby give your Company notice pursuant to 15 USC 1602 ( k ) that your Company never provided an adequate notice which clearly and conspicuously mentions the pertinent facts of this transaction. Your Company did not even inform me about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement.

According to 15 USC 1602 ( k ), the term " adequate notice '' means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the Cardholder.

Since adequate notice was not given as per the above-mentioned section, I could not understand its meaning which is a violation under 15 USC 1602 ( k ). 

Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction, I therefore made an uninformed decision and it resulted in multiple billing errors, and unfair credit card practices.

From your end, I have not benefited from this transaction which is again violation of 15 USC 1602 ( p ).

According to 15 USC 1602 ( p ), the term unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority for such use and from which the cardholder receives no benefit. 

I hereby request you to remove the below-mentioned information from my Consumer Report : Account name : XXXX XXXX Account Number : XXXX Account opened : XXXX XXXX, 2022 Balance : {$250.00} If you accept my request, I will not escalate this matter to a federal court. In case you do not accept the above requests, a legal action shall be taken against your Company for compensatory damages. 


Thank you for your attention to this matter Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the fraudulent account and inquiries listed below from my credit file pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). As a victim of a data breach, I did not authorize the account or inquiries below and request your prompt assistance in addressing this matter. 
Fraudulent Account : XXXX. XXXX XXXX - XXXX - XXXX : XX/XX/XXXX - Amount : {$10000.00} Fraudulent Inquiries : XXXX. XXXXXXXX XXXX XXXX - Dated : XX/XX/XXXX XXXX. XXXX OF XXXX - Dated : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Dated : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 15 usc 1681 section 602 states I have the rights to privacy 15 usc 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 usc 1666 B a creditor may not treat a payment on a credit card account under and open consumer plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd request that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX Balance Owed : {$46000.00}
Product: Credit reporting or other personal consumer reports

This account does not belong to me and I have had XXXX help from the credit bureaus or company to get this removed. I've been disputing this account all year. The account is from SECURITY CREDIT SERV ( XXXX ) and I have yet to receive any validation from this company or the original company. I want this account removed from my credit report immediately.
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- 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 also states a consumer reporting agency can not furnish a account without my writing instructions
Product: Debt collection

Paramount Recovery Systems has violated my privacy and unlawfully trafficked my nonpublic medical information to unaffiliated third parties against my consent. Paramount Recovery is intentionally defaming my character in order to coerce a payment on a debt that i do not own or owe. Paramount has ruined my reputation and credibility and has prohibited me from obtaining fair and accurate credit reporting. I have also filed a HIPAA complaint. See attached
Product: Credit card or prepaid card

I was reviewing my credit report and noticed that the company closed my account on XX/XX/19. I did not request account closure and my account was in good standing throughout the lifetime of the account.
Product: Debt collection

Without my written consent, Navy Federal has been furnishing negative information to my consumer report as means of coercing me to pay an alleged debt of {$7600.00} and further extort me and cause harm to my credit reputation. Navy Federal has been furnishing nonpublic personal information to my consumer report/file and is in direct violation of 15 USC 6801. Furnishing late payments without my consent is a direct violation of 15 USC 1681-S2. Pursuant 15 USC 1681b ( a ) ( 2 ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. It is a fact ; I have never given Navy Federal any written instructions to furnish any information to my consumer report. Navy Federal has violated 15 USC 1666 and closed my credit card account without validating or verifying any of the alleged missed or late payments ; which are in fact billing errors. Navy Federal has failed to clarify or correct these billing errors. Navy Federal has violated 18 U.S. Code 894, which states : ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. It is a fact ; Navy Federal has chosen to punish me for nonrepayment of this extension of credit by closing my account. Navy Federal is not in compliance with 15 USC 1692e. Navy Federal has been sending me false and misleading bills/statements in a positive amount knowing that a person can not make a payment on a positive balance. The alleged amount due or past due should appear in the negative, to show when credits have been posted in the positive amount bringing the total due amount to XXXX further reflecting a XXXX  balance owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is showing 2 items in dispute and XXXX and Experian are reporting 1 account in dispute. I have not disputed these accounts and wasn't aware of that status until a lender pulled my credit report. I mailed a request to all three bureaus requesting they remove that verbiage from my credit file and they have not done so and it has been over 45 days since it was requested. Both accounts are in great standing so there would be NO reason to dispute them.