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

A charge of {$600.00} from XXXX XXXX ON XX/XX/22 was disputed because I returned the product. The company got my returned and promised me a refund. I contacted chase bank. They said the tracking was invalid. I RESENT the tracking because it was entered in the system incorrectly. Chase said they will research Chase never research they said I never sent in paperwork, and I DID XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The student loan supplier is submitting different and inconsistent information to all credit bureaus. I have disputed these items to the credit bureaus and the student loan supplier verifies the information as correct. It is obvious that the all the different information being reported to each bureau can not be correct. They should be reporting the same information to all the credit bureaus. l have brought this matter to their attention and yet I have not been able to get this problem resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with 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 : XXXXXXXX XXXX XXXX Account # : XXXX Account name : XXXX  XXXX, Account # XXXX Account name : XXXX XXXX XXXX XXXX Account # : XXXX Account name : XXXX XXXX XXXX Account # : XXXX Account name : XXXX XXXX, Account # : XXXX Account name : XXXX - XXXX SERVICE, Account # : XXXX Account name : XXXX XXXX  XXXX Account # : XXXX -15 U.S.C. 1681 section 602 A. States I have the right to privacy.

-15 U.S.C. 1681 section 602 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 the information is inaccurate.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you 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, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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: Checking or savings account

This company charged me a XXXX dollar nsf fee for a payment that was XXXX cents short. I am unemployed and waiting for my XXXX approval and to have XXXX these fees that Truist keeps charging me are keeping me from buying groceries! When I noticed the discrepancy I immediately tried to remedy it. As you can see by my attachment.
Product: Credit reporting, credit repair services, or other personal consumer reports

IM REACHING OUT And regards A IMPORTANT MATTER I Recently Applied For A Business Account In Got Denied Because I Notice that I Am in XXXX & XXXX XXXX XXXX, I WOULD LOVE to Explain What REALLY Happen To My Account. Ok I Did Work For A Former client & She Paid Me in A Payment method of A Money Order so I made my first mobile Deposit To my Bank of America Checking Account Not aware That The Money order She give me Was already Mobile deposit In A Another Institution so I reach out to my former Client To verify was the the money order Real or fake She confirmed That it Was not fake because it came from XXXX XXXX but what She didnt tell me she already mobile deposit it in a Nother institution. after I threaten her I Will take her to small court claims She Quickly confess In told me it was already deposited in a another institution before I had the money Order So she paid me in cash. So thats why Bank of America mark That The Money Order Was Fake it was a real Money from XXXX XXXX I had no idea that the money order was already deposited So They Close Out My Account Without a Notice So Im Asking For youre help! I PAID OFF THE Debt IN FULL. So can you guys delete inaccurate information or Even better removing me from XXXX XXXX XXXX Would love a Second chance to start my Financial future back Thank you appreciate it
Product: Checking or savings account

Hello! XX/XX/XXXX I sent two amounts of {$25000.00} and {$28000.00} to an account with Wells Fargo bank to pay the down payment of buying a house with XXXX On the same day I find out that the recipient 's account details that I received into my account were from a scammer XX/XX/XXXX I filed a complaint about the suspension of payment Also connected to the FBI, this organization has frozen these funds Since XX/XX/XXXX, I can not receive these funds in my account. I came to Wells Fargo bank several times, wrote letters and complaints, but never received the money
Product: Debt collection

Business has not taken the debt off all three of my credit reports. There was proof provided due to identity theft and I'm still seeing it on my credit report.
Product: Credit card or prepaid card

On XX/XX/2022, I used my Capital One credit card to charge the amount of {$9700.00} for a XXXX XXXX package for " XXXX XXXX that included XXXX flights, Hotel and camp accommodations, local transportation and guidance. XXXX failed to complete the booking then after10 days assigned me to a lesser package. However, due to so many problems with their process, timings and service, most of the items in the lesser package were not made available to me which made me pay third parties to be able to travel to complete the mission. I estimated the service that XXXX provided to me to be less than {$4000.00} therefore I asked for or refund of the amount {$5700.00}, after exhausting my options, I disputed that amount with Capital One Master card and gave me the temporary credit. XXXX weeks later, Capital One put the charge back based on the claim by XXXX that services were provided and asked for documentation to prove my case. I provided all what they asked for and more including receipts and second onion. Each time, I submitted documentation, they declined my case and I had spoken with them many times and they started playing games with me. 
Please help get my refund back for the the services that were not available to me.
Product: Debt collection

In XX/XX/2020, I was scheduled for several medical appointments with various providers by XXXX XXXX XXXX ( XXXX ) on behalf of the Veteran 's Administration ( VA ) for Compensation and Pension ( C & P ) exams to determine the validity of my XXXX claim with the VAXXXX One of these appointments was for x-rays at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Virginia XXXX XXXX, who scheduled the exams, assured me that all appointment costs were covered, and they even reimbursed me for mileage to and from each appointment. 

When I attended the appointment, after the x-rays were completed, I talked to a receptionist at the front desk and told her that XXXX and the VA cover the appointment. Several weeks later I received a bill for this appointment totalling {$140.00}. At this time, I called the medical center directly and again told them to direct this bill towards XXXX. I then called XXXX directly and attempted to have them reach out to the medical office to take care of this debt. I received several more bills for this debt, and each time tried to get the medical center and XXXX to take care of it. It is now on my credit report as in collections, and I have disputed it to no avail with all three credit bureaus. 

The appointment was on XX/XX/2020 The appointment location : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you 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. If you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The XXXX XXXX sent me multiple emails after I departed from their facility none of which mentioned a debt owed. I have attempted to contact them for months when my roommate first made me aware of the balance ( no answer ). My roommate stated that it appeared on her credit. A month later I started getting harassed with multiple calls ( within minutes of each other ) everyday while at work. When I would call back I got line errors so I thought it was fraud. This company Hunter Warfield who is now reporting to my credit never sent me anything regarding this debt. I had no issues fr the XXXX while living there so Idk what this could be for. I have disputed this debt TWICE on my XXXX report since XXXX and still have not gotten a breakdown of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This relates to : XXXX I was seriously considered when this company review my case. Well after the security breach at Equifax that exposed my credit profile yet again, I have requested with follow up the removal of the hard inquires on my credit report. The Equifax breach allowed other attempts o my and millions of other XXXX  XXXX with the past year. I Believe if CFPB can not compel XXXX to remove these items I will have no choice but to escalate to court of law. I make no empty threats as I have done so in the past. ( see XXXX )
Product: Student loan

Hold times are over an hour to get to an agent. I requested documentation to provide to a mortgage lender explaining that the OSLA and Aidvantage credit lines showing on my credit report are the same loan and not from two different lenders. They failed to provide the documentation. I attempted to call back waited on hold again for over an hour then an agent picked up the phone and immediately hung up, making me need to call back again to request the same documentation.
Product: Debt collection

We received 1 notice in the mail alerting of the debt owed. I went online and made a payment that I could afford at the time. The original debt was {$3000.00} via a credit card with XXXX XXXX. I made a payment of {$150.00}. 
About 2 weeks later before XXXX there was someone banging on my door. When I got to the door I saw an officer in full uniform, and panicked thinking something awful had happened. But, he was there to serve us papers stating what we owed and it did not reflect the payment I had previously made on their website. 
When we called to talk to them about the debt and offered to make payments they would not agree to not take further court action. They said that they were n't sure if the group of lawyers would agree, but that they normally do if we promise to payoff the debt in full with in three months. They said we would have to make {$200.00} payments each month until we pay the full amount within the three months. 
I found this completely disturbing since I had already initiated payment after the first letter. I felt they were trying to intimidate to demand payment faster. As a mother of XXXX XXXX children who were home with me I truly felt harrassed and threatened in my own home. I want to settle this and find the best solution to a horrible situation. I have also realized making any payment without a written offer is foolish and I have no written agreement from this company.
Product: Debt collection

Hello, My Name Is XXXX XXXX. I Am Trying To Clean Up My Credit. Ive A Collections Notice On My Credit Report From XXXX XXXX  Of MI, Who Bought The Account From Midwest Recovery Systems For {$510.00}. 
I Called The Company Requesting For The Original Document and Was Told They Are Not Allowed Too Give It Or Mail Any Information. 

I Have No Knowledge Of This Account and Im Asking You To Remove It From My Credit! Thank You! XXXX
Product: Debt collection

The collection agency never contacted me via phone call or letter stating this debt was outstanding and would be reported to the credit reporting agencies. It is now reporting as an open collection on my XXXX credit report as of XX/XX/2016, Because this company did not contact me within the 30 day reporting rules, thus giving me a chance to respond before it was reported to the credit agencies, causing my credit score to drop my credit score XXXX points which now disqualifies me to get a home loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continue to violate the FCRA requirements on this disputed account. I have proof documentation directly from the credit report showing multiple FCRA violations by Experian with this XXXX XXXX account XXXX. I have circled and highlighted the FCRA violations by Experian for the CFPB review. 

( 1 ) Violation of FCRA illegal re-aging account from XX/XX/XXXX to XX/XX/XXXX. 

( 2 ) Violation of FCRA failure to put required notice of dispute in comments after I have disputed this account. 

( 3 ) Violation of FCRA inconsistent reporting by Experian with this account.
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 16.81 section 602 states I have the right to privacy. 15 USC 16.81 section 604A section 2 states a consumer reporting agency can not furnish an account without my written instruction. 15 USC 1666B a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.
Product: Credit card

Context : Synchrony 's online portal combines different cards for ease of access such as Amazon and TJMaxx/Marshalls, etc. TJMaxx Card Services reported late payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX even though autopayment ( that successfully works for the Amazon Card ) was set up through the Synchrony online portal. 

On XX/XX/XXXX, we called Synchrony for clarification asking why the autopayment wasn't working & why the website wouldn't allow us to initiate the payment using the portal. They did not explain but focused on collecting the debt. We further expressed our frustration that the website wasn't working but we paid the {$27.00} late fee because we wanted to resolve the situation quickly ; customer service agreed to refund us the {$27.00} late fee & told us to expect the credit on our next bill in XXXX. 

The {$27.00} credit did not happen in XXXX. 

On XX/XX/XXXX, another autopayment was declined & we were charged a {$38.00} late fee. When we called to rectify on XX/XX/XXXX, we asked why autopayment wasn't working, they said our bank information was bouncing. We confirmed our autopay was set up & paid the {$38.00} late fee using the account. When we told them we did not receive the refund awarded to us in XXXX, the agent told us they can only refund us one-time {$38.00} late fee. They said we would receive the credit the next month. 

The {$38.00} credit did not happen in XXXX. 

On XX/XX/XXXX, another autopayment was declined & we were charged a {$38.00} late fee. When we called to rectify, we spoke to another Manager who said our autopay was never set up correctly & still was not set up correctly. She said that they had been trying to reach us since XXXX to no avail which is incorrect ; we've called them every month this occurred because it is negatively affecting our credit & experience with the card company. We explained we were told several times the late fee would be credited to us & none of those times did we receive them. Manager said she can only refund us one-time {$38.00} late fee. She said we would see the credit within 48 hours. 

Synchrony Customer Service team was deceptive & provided misinformation when we were trying to rectify the nonpayment issue. Several times we were promised credits for late charges & those credits were not received.
Product: Vehicle loan or lease

Fact, The truth in lending act is intended to inform consumers about the cost of credit. 

Fact, The truth in lending act is intended to protect consumers against abuse and deceit by creditors and i have been abused and deceived so be it. 

Chrysler Capital is in violation of 15 USC 1605 ( a ) ( c ). This transaction included a finance charge and the finance charge includes insurance which protects the creditor against the obligors loss, and or property damage. Chrysler Capital did not include my insurance in my finance charge. 

Chrysler Capital is in violation of 15 USc 1605. A finance charge is the sum of all charges in a consumer credit transaction, and it does not include cash. Chrysler Capital in fact took cash {$500.00} dollars. 

Chrysler Capital is in violation of 15 USC 1611. They Willfully and knowingly failed to provide/disclose information required under the provisions of 15 USC 1601. They are now civilly and criminally liable.
Product: Money transfer, virtual currency, or money service

I sent {$670.00} plus a {$33.00} fee with western union on XX/XX/XXXX. The money should have been available on XX/XX/XXXX but when the receiver went to pick it up he was told it was on hold. Then I suddenly got an email saying it was picked up, but it was never picked up. Ive contacted them multiple times just to be told the money was picked up. I think an employee stole the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XX/XX/XXXXXX/XX/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 an account without my written instructions
Product: Mortgage

On XX/XX/2020 Mr. Cooper/Nationstar Mortgage submitted a second application without my consent which created a hard credit pull. They not only did this once but twice to my credit. Why would one company need two applications and two hard credit pulls? I have reached out to the company and said : " I apologize for not fully explaining the process ''. I don't think its right for a company to submit applications without approval to pull a hard inquires on my credit. Moreover, how were those legal questions answered by them on my behalf?
Product: Credit reporting or other personal consumer reports

My previous landlord decided they did not want to renew my lease. I advised that I would continue to be a month-to-month tenant at that time. They offered me {$1000.00} to move at the end of my lease which I agreed to after I moved they changed the terms of the agreement charging me XXXX dollars in fees which left the balance of the XXXX what they owed me down to XXXX dollars when I checked my credit report, I noticed they reported an {$800.00} debt to a collection agency. I have sent copies of the agreement between myself and XXXX  XXXX. They have refused to remove this from my credit file. I have also provided documentation to the collection agency advising that I was a victim of XXXX XXXX. they laughed at me and are still continuing to report this debt which is stopping me from obtaining a place to live.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank XXXX XXXX pulled credit report and I have no ongoing activity or account, or request for service with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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. 


In accordance with the Fair Credit Reporting act XXXX Account # 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. 


In accordance with the Fair Credit Reporting act XXXX Account # 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. 


In accordance with the Fair Credit Reporting act XXXX Account # 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. 


In accordance with the Fair Credit Reporting act XXXX Account # 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.
Product: Vehicle loan or lease

I had a lease with Chrysler Capital. My account from day one was on automatic payments and was consistently paid on time at the first of the month. For the final payment, they, in their words, " manually cancelled '' my automatic payments causing me to miss the cutoff. I called in to ask about how to handle the lease return, and the person on the phone told me I was past due. I immediately paid because I had no idea I had missed a payment since it was on automatic payments. The lady on the phone told me not to worry about it and it would not be reported. Several days later, I get an email from my credit reporting that says I was delinquent on a payment and my credit score was knocked down by 49 points.
Product: Debt collection

On XX/XX/2023 I asked Velocity Investments LLC to please provide me with validation notice with all original documents with my Wet signature which to date I never recieved. 
On XX/XX/2023 I asked Velocity Investments LLC to please cease and desist all calls and contact with me XXXX XXXX for I don't confirm or acknowledge this debt for which to date they continue to call, text and email my self and family members using treating language. 
Also on XX/XX/2023 the balance owed showed {$3200.00} and on XX/XX/2023 the balance showes {$4500.00}.
Product: Debt collection

I am not aware of this debt and I should not be liable for it.