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

Dispute claim is rejected by credit card company despite providing proof from XXXX timeshare that the contract is terminated. The dispute resolution process on my last appeal dated XXXX was acknowledged by bank but was automatically closed without giving me any notification or reason for denial. 
History : 1. Purchased XXXX timeshare sometime in XX/XX/XXXX. 
2. Paid the remaining balance of XXXX with Chase credit card company on XX/XX/XXXX. 
3. Received the XXXX login details 1 month after purchase and quickly realized that we have been misled and it was not what they said it is.Tried to contact XXXX to dispute but customer support is hard to reach 5. Hired a company to terminate the contract with XXXX and filed a dispute claim with Chase on XX/XX/XXXX for reason of false misrepresentation/ product not as advertised. We providied proof that we are in the process of terminating the contract. Bank rejected the dispute on XXXX XXXX 6. XX/XX/XXXX, we received confirmation letter from XXXX that membership is terminated. We again filed a dispute claim providing copy of termination letter. Bank rejected it in XXXX. 
7. I then again submitted an appeal letter dated XXXX. Letter was  acknowledged by bank on XXXX stating they will review the case and will not charge me any interest. Did not receive any update since then. In XXXX, I started getting interest charges on my statement. So, XX/XX/XXXX I called the bank for status and I was told that they have closed the case automatically. They said they closed the case because the final decision to deny was already made in XX/XX/XXXX. I questioned them on why they sent me an acknowledgment letter in XXXX stating that they will look at my case but did not give the courtesy to send a notification letter that they denied and closed the case? They said I do not need to be notified because they have already denied my claim in XXXX Dont I have the right to be notified? Why send a letter in XXXX only to close the case because of a decision made in XXXX? 

Just because this is a timeshare dispute, the bank is biased in their decisiion of this case. The fact is, XXXX has confrimed the membership to be terminated. 

Although it is true that we purchase the XXXX but we also have the right to dispute if the consumers are misled by false marketing representation or if product is not what they said it is. Credit card companies should protect the interest of its users by not allowing transactions with unscrupulous merchants/ vendors like timeshare companies. 

We work hard so we can live the life we want and go on our dream vacations. It is heartbreaking for us to lose hard earned money to unscrupulous business practices.
Product: Credit reporting or other personal consumer reports

This account needs to be removed was open fraudulent doesnt belong to me
Product: Credit reporting or other personal consumer reports

Around dates of XX/XX/XXXX to now updated XX/XX/XXXX XXXX, I only asked Experian credit beauru agency to remove names I do not anything about. Experian went as far as removing apartment numbers XXXX and XXXX from my credit report screening for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX. 

Never requested for them to do that.
Product: Mortgage

Im purchasing a home from XXXX XXXX and was given a stipulation of a 30 days before closing ( XX/XX/2022 ) notice required to use my own outside lending company as opposed to Lennar Mortgage. I notified the sales rep XXXX on XX/XX/2022 that I chose to use my own lender. The request was not honored, instead he requested the estimate from the outside lender for an opportunity to compete. In the process of this financing competition XXXX resigned from the company as well. XXXX XXXX then took over his sales files. I notified XXXX of my decision to proceed with my own lender. It took XXXX and XXXX a considerable amount to get my contract changed over to show XXXX XXXX as the mortgagee. After numerous phones calls, and forwarding of emails to prove I gave notice within the allowed amount of time, XXXX finally updated the contract correctly. At this time I notified XXXX XXXX XXXX XXXX loan processor ) and XXXX XXXX that it was hoped to move forward with my chosen lender being XXXX XXXX as the process has been tiring and I am ready to finish and finalize the deal. Two days I get a revised estimate from XXXX matching the competitors loan estimate. I reviewed the estimate and asked XXXX some questions regarding fees, down payment and lender credits of which he offered me no clarification. I never requested they provide a new estimate nor that my contract be changed. Now, they are negligent in providing required documents for XXXX XXXX to fully process my loan in time for closing. I feel they are trying to force me to use in house financing which I have properly declined and now they are basically not responding to any request from me or the other lender. I am afraid that this will cause them to forfeit my contract and take my deposit and am afraid of losing my deposit and starting this process all over.
Product: Checking or savings account

On XX/XX/XXXX my checking account was deactivated by Chase, after many years of being a client they could not verify my SSN. They requested me to go to a branch and bring a copy of my XXXX, which I did. In the meantime, my direct deposits from my employers were held. I asked several times to different representatives from Chase if my direct deposits were going to be released after my account was reactivated and all of them said yes. 

After 2 days my account was reactivated. I called several times to check on the status of my direct deposits to which they responded " They will be released soon, you should not worry call us later ''. As I mentioned I called not once or twice but multiple times. Finally, I received an email from the payroll department at my job saying that the bank rejected my direct deposits and they were unable to complete the transaction, therefore they needed to mail me the checks. I called the back and they said " Yes we are sorry, we rejected those deposits " This is unacceptable behavior from the bank, first deactivating my account after several years of being a client, then holding my money and giving me wrong information, and finally rejecting my direct deposits. I have several bills to pay XXXX including rent and credit cards ) and they will be overdue thanks to this bank mistake, for which they just offer an apology when this is not my fault at all
Product: Payday loan, title loan, or personal loan

Interest rate on the loan is extremely high. Im reaching out to your organization to review to this loan. In NY State are these rates legal? Complaint against the following company One Main Financial. Annual Percentage Rate 24.99, Amount Financed XXXX. Total payments XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX Account no. XXXX, Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. XXXX : In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX Account no. XXXX, Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. XXXX : In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX  Account no. XXXX, Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction.
Product: Checking or savings account

Wells Fargo charged me unlawful surprise overdraft fees and applied other incorrect charges to checking and savings accounts. Wells Fargo also enrolled me into an overdraft protection account without my authorization. Wells Fargo did not provide me with proper notification about overdraft fees nor that I was enrolled in an overdraft protection account.
Product: Payday loan, title loan, personal loan, or advance loan

Some time ago, I registered for LINE for a cash advance. They gave me {$20.00}. Since XXXX of XXXX, according to them, they have rebranded without my knowledge and continually charged my account until a charge put me in overdraft and got my attention in the last few days. I've asked for refund, been denied. This is predatory! I'm a XXXX woman living on social security! They saw that I have not used their service yet the continue to charge me for a year and a half for a {$20.00} advance.
Product: Debt collection

It has come to my attention that my credit information has been furnished by your agency without my authorization, in direct contravention of section 15 U.S. Code 1681b ( a ) ( 2 ). This section unequivocally requires my written approval prior to the dissemination of my credit report. The absence of my consent in this matter not only violates federal law but also disregards my personal rights to privacy and control over my financial information.

Given this unauthorized action, I demand the prompt removal of all inaccurately reported information from my consumer report. Should these issues remain unaddressed, I am prepared to seek reparation through legal channels, including but not limited to, initiating a claim for damages in small claims court.

I have taken the necessary steps to report this breach of the FCRA to the Consumer Financial Protection Bureau, the Attorney Generals Office, XXXX XXXXXXXX XXXX XXXX, and the Federal Trade Commission. This escalation is aimed at ensuring comprehensive resolution and to prevent further misuse of my personal information. It is my hope that by involving these regulatory bodies, we can facilitate adherence to legal standards and protect the rights of consumers like myself.
Product: Debt collection

I received a letter in XX/XX/XXXX from XXXX  claiming that I owed a debt from XXXX of XXXX for XXXX  on 2 different dates. The letter stated that I could dispute the collection amount over the phone but I had to call before XXXX XXXX otherwise the debt would be considered valid. I called the company and I told them I do NOT owe anything as I had paid a copay and my insurance covered the rest, not to mention I only took XXXX once, not 2 different dates. They asked me if I could provide receipts of those payments and I told them no, I would have to dig through a storage unit to find those as it was over a year and a half ago and if I had owed money why didn't I receive a bill at the time the XXXX  was taken and my insurance paid them. They told me they were a 3rd party debt collection and that if I could not provide receipts then the debt was valid. I told them No that I am disputing this as fraudulent since I paid a copay that should cover the amount they were requesting. They told me that I could not dispute over the phone and that I had to put it in writing. I told them that their letter states I can dispute over the phone. They continued to argue with me, I told them their letter states I can dispute it over the phone, I am disputing it and not to contact me about this fraudulent amount again. They have called several times and left me voicemails stating " Hi this is so and so with XXXX  with an important message and to call us back at XXXX, '' since then and I answered the phone call today to tell them AGAIN to stop calling and that I will report them for harassment if they don't stop. I know my information was stolen last year when the car dealerships got hacked and I don't know how else to get these companies to stop.
Product: Debt collection

I disputed a debt on my credit report from Portfolio Recovery Associates assignee of XXXX   XXXX. I do not recall this debt & it was removed from my credit report. I then received notice I was being sued by them. I asked for trial by jury and the jury, before I entered the jury room I was told that I could not use the fact that they have harrassing my family or bring up any cases where they have been reprimanded and ordered to fix their practices. lol ng story short the jury sided with me. Said I owed them nothing. I now have a notice from the Justice of the Peace court that my case was appeled. I feel this is a form of harassment & I am hopeful for some help. I have no idea what to do.
Product: Debt collection

In XX/XX/year> I started with smile direct. In XX/XX/year> I received a replacement as the first set did not work. In XX/XX/year> I requested another set as my teeth were still not straight. I never received instructions to get a refund. The finance company was notified and said they would file a refund. They did not. Now Ive been sent to collections with Tek collections that is illegally reporting a medical collection. 

I stopped making payments XX/XX/year> at the bankruptcy. XXXX  months later Im at collections. No legitimate company waits XXXX months to send an account to collections. 

I am a XXXX veteran on a fixed income. This whole situation is bad for my XXXX. 

XXXX Account # : XXXX Current Balance : {$1200.00} XXXX XXXX, Let 's settle your XXXX  account for an amount that is less than what you owe to resolve this outstanding balance once and for all. 

We can offer a settlement of {$930.00} which represents a XXXX XXXX reduction in the amount owed. 

Please call us at ( XXXX ) XXXX or pay online to take advantage of this limited offer. 

Collections Department
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  : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 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 15 U.S.C. 6802 ( A ) ( 1 ) a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
Product: Credit card or prepaid card

In XXXX oXXXX XXXX, while navigating the CIti Bank app to make a payment I was offered a lower minimum payment ( {$99.00} ) promo to help me with the high minimum payments. The deal seemed great as I was vulnerable and going through financial difficulties. Keeping in mind I didn't initiate this myself or call for assistance, I wasn't aware that by accepting lower minimum payments Citibank would still be reporting underpayment to the credit bureau on the minimum payments. It therefore caused me irreparable damage to my score and all while unbeknownst to me I'm thinking I am meeting my monthly obligation. It makes no sense to me because I wouldn't need a " plan '' to underpay my minimum payments I could do that all on my own and still affect my score if that was my intention. I tried to reach citi bank and managed to speak to XXXX reps and both agreed with me that they felt sympathy for my scenario as they didn't agree with citi bank business practice. I believe and prepared to say that this a sly, conniving, deceitful way of offering relief of late fees while still reporting it to credit department as late payments. This has caused me and my family heartache and financial stress. Please help rectify this misrepresentation, and frankly terrible business practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just recently examined my credit report and have noticed some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of these accounts and have no idea who would have admittance to my credit. Unfortunately, due to these false accounts, I have no chance of acquiring new credit. Please conduct a reinvestigation into this matter and have these derogatory accounts removed from my credit file.
Product: Credit reporting or other personal consumer reports

I pen this letter with a sense of escalating frustration and disappointment due to the ongoing failure to address and remove fraudulent items from my credit report. Despite numerous and exhaustive attempts to rectify this egregious situation, the persistent presence of these inaccuracies is not only unacceptable but is wreaking havoc on my financial well-being. 

This ordeal commenced and since then, I have engaged in a relentless battle to correct these fraudulent entries. I have submitted an alarming number of dispute requests, accompanied by detailed documentation and explanations to support my claims. Shockingly, these efforts have proven fruitless, as the fraudulent items continue to cast a dark shadow over my credit history. 

The gravity of this situation can not be overstated. It is not merely a clerical error ; it is a breach of trust and a blatant disregard for the fundamental principles of accurate credit reporting. This ongoing failure is not only impacting my creditworthiness but is eroding my confidence in the integrity of your dispute resolution process. 

I demand an immediate and thorough investigation into this matter, with an unwavering focus on removing the fraudulent items from my credit report. Furthermore, I insist on a detailed and unambiguous explanation for the repeated failures to address and rectify these issues. 

The time for platitudes and inadequate responses is over. I expect this matter to be treated with an unprecedented level of urgency, and I demand a substantive response within the exact timeframe from the date of this letter. Failure to rectify this matter promptly will compel me to escalate my complaint to regulatory authorities and explore all available legal avenues to address these persistent inaccuracies on my credit report. 

Enclosed with this letter, you will find, once again, the exhaustive supporting documentation for your reference. I trust that this will be the final instance in which I am compelled to provide evidence for an issue that should have been resolved with expediency. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$27.00} XXXX XXXX XXXX Balance Owed : {$4400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXXXXXXXX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just looked at my consumer report and noticed some accounts I would like to dispute. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. The referenced accounts in the attachment should be deleted.
Product: Debt collection

ERC Collections repeatedly calls looking for " XXXX ''. I am not XXXX, I have told them they have the wrong number, and they agree to remove my number from their files. The calls continue, it's been nearly 3 years. At this point, it can not be caused incompetence or an honest mistake, it is willful and intentional harassment. I have no business relationship with this company, and never had.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transaction were authorized, I was charged lagged fees for posting of charges and credits. This issue aligns with the recent CFPB against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

Hey my information was link n they data base so its stuff on my credit I didnt do the XXXX I didnt XXXX XXXX XXXX XXXX thats {$400.00} I been trying to dispute n tell them I didnt but they want help me at all n they are all ready getting sued please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

For clarity, this is a complaint regarding my Revolving Credit Utilization Rate you are INCORRECTLY reporting. 

Revolving Credit Utilization ( RCU ) accounts for 30 %, the 2nd most important factor, and is the basis of this complaint. For months now, my RCU has been incorrectly showing extremely high. I contacted XXXX to inquire, but was advised they only report information provided them by TransUnion ( TU ). They further advised I contact TU directly, and provided me a telephone number ( XXXX ). When I tried to submit a complaint on the TU website, I was not able to do so as their complaint process involves selecting a creditor from one 's credit report to complain against. This is not the case here ... it's not a creditor problem, it's a repository problem. I was unable to find a way on their website to complain against THEM ( TU ). Additionally, attempts to contact them by telephone were unsuccessful. No matter what options I tried, I was either provided information via automated recording, or referred to their website - no option to speak with a human. As shown on the first attachment, as of my XX/XX/XXXX XXXX statement, they ( TU ) are reporting my total RCU to be 80 % ( Total RCU debt of {$5300.00} ). Based on the 2nd attachment ( " Chart '' ), I believe this reported RCU to be incorrect. The chart shows each revolving credit account I have, the credit limit and balance for each since XX/XX/XXXX, and my RCU. As you can see, my RCU was at it's highest in XXXX  XXXX XXXX Shopping ), and is now down to only 4 % ... NOT 80 % being reported by TU. Even allowing for a 30, 60, or 90 day " lag time '' in reporting, the 80 % they're reporting is not even " in the ballpark, '' nor is the over $ XXXX in revolving debt, almost 10x my highest amount ( mine ranged from a high of {$560.00} in XXXX, down to the current low of {$130.00} ). The remaining four attachments are for documentation only. Specifically, the first page of each statement is included to document the figures on my chart ( 1st attachment ). These first pages are " packaged '' together into four pdf 's, one for each month XXXX thru XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX 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 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: Debt collection

This account with XXXX  account number : XXXX had been sent to XXXX XXXX a third party company. This account isnt showing on my credit report meaning the debt isnt owed to me. They have sent me an email communication and since the debt isnt located on my account it is not mine.