23daVinci/CFPB_Complaints huggingface dataset:
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 right to privacy. 15 USC 1681 section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 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 card

I originally booked a hotel ( XXXX XXXX ) in XXXX to celebrate mine and my fiances engagement. The trip was booked using Chase Sapphire Reserve reward points. Upon arrival I checked into and gave them my Chase Sapphire Reserve card for incidentals. I checked out three days later with no issues. A day after I checked out I received a charge of {$710.00} on my credit card for a smoking charge of {$500.00} and then 4 days of various NY taxes totaling the other {$210.00}. I immediately reached out to Chase to dispute the charges. Simultaneously, I reached out to the merchant ( XXXX ) to dispute the charges as I do not smoke and did not smoke in the hotel room at all during my 3 days stay. It was a small hotel room in XXXX if anyone smoked the alarm would've went off and complaints made by neighboring rooms. I exchanged emails with the Operations manager ( see attached email ) explaining perhaps the alarm was set off by use of hair spray and or a hot steam showers taken during that cold XXXX degrees weather in XXXX. The operations manager was looking into the issue but never got an answer from the alarm company. Then she went on maternity leave without a resolution. 

The credit card company ruled since the card was " given in person '' there's nothing they can do. Even though I've provide the ridiculous itemized receipt along with email exchanges they claim it was out of their jurisdiction. The initial dispute was rejected which they asked me to write a letter which I did. The dispute was reopened and then rejected again. During my discussion with chase they agree that these are weird suspicious charges but it was out of their jurisdiction to do anything. I'm writing to CFPB hoping there is something that can be done to protect me from these fradulent and unproven charges.
Product: Debt collection

Unknown and not my debt. There is no way this social matches mine or date of birth please remove off of my credit file as a dispute was processed to the credit agencies and the credit agencies stated they verified which I do not believe is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax had a massive data breach affecting 140M+ Americans on XXXX XXXX. Not only did they take over a month to alert the public, but executives were in the news for having sold their stock the day before the announcement. They demonstrated a reckless disregard for information security and their customers* ( *Nobody has any choice about what data they gather or store, as it is basically impossible to function in modern society without credit ). 

It has also been reported that there 1 free year of credit protection they are offering to Americans who may have been affected includes a clause that waives your right to join a class action lawsuit. Americans should not have to pay to freeze their credit, especially given the potentially catastrophic impact this breach could have on an individual 's finances. Also, credit reporting firms ( XXXX and XXXX included ) should not be exploiting this breach to market their credit protection services. 

XXXX XXXX XXXX
Product: Credit card or prepaid card

During the months of XXXX through XXXX I contacted ECP ( exchange credit program ) ( Military star card ) about a card opened fraudulently in my name, {$4000.00} limit, opened in XXXX, around the time my wife and I separated, I had no need for this card and already had one, I explained this to the fraud center and they said it would be difficult to ascertain who the owner of the account was. 
I showed proof I had a military star card previously and she made herself an authorized user on the account, but didn't add me as a user. I was told by the company that my soon to be ex-wife had a right to obtain this card, which i agree with, but not in my name, she eventually rang the bill up to ~ {$3800.00}. Since then the bill has been paid to an extent, I haven't paid it, I've closed the account but ECP is stating I am responsible for the remaining ~ {$1700.00}. I feel as if I've shown the company plenty of proof that I was not the one that opened the card and I will not pay the remaining balance. They recently in the last 3 weeks sent me a letter stating I owed the remaining balance and that ECP would pursue legal action if not paid. I would very much like for XXXX XXXX, my soon to be wife to be persecuted for fraud and forced to pay the remaining debt. 
If there are further questions that need to be asked feel free to contact me, XXXX or XXXX. I can collect and submit the documents if asked to. 
I am saddened that although proof has been given to the company, they refuse to believe me.
Product: Checking or savings account

I want to use XXXX  app but pnc blocked me linking my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCT # XXXX XXXX XXXX XXXX, was Disputed with XXXX , XXXX , and EQUIFAX through CFPB and only DELETED by XXXX on XX/XX/2020 File Number XXXX. I believe XXXX   AND EQUIFAX are in violation of the Fair Debt Collection Act, this is harming me by not accurately verifying and deleting this account.
Product: Debt collection

Enhanced Recovery reported a debt to all three credit bureaus without validating the debt, according to the Fair Debt Collections Practices Act, 15 USC 1692g sec. 809 ( b ) .This action might constitute fraud under both Federal and State Laws. I will consult counsel for suit.
Product: Credit reporting, credit repair services, or other personal consumer reports

wrongful eviction stated on my credit showing a balance due when there isn't
Product: Debt collection

I spoke to a representative and demanded to not be contacted via phone at XXXX on XX/XX/20. Since then, I have received an additional 21 phone calls since. I spoke again to a representative at XXXX and said DO NOT CALL ME. Representative said " fine XXXX '' and hung up.
Product: Checking or savings account

On XX/XX/2020 I opened a billing dispute with Union Bank against a merchant who refused to issue a refund for selling me a brand new washing machine that arrived broken. I tried for over six weeks to resolve the issue with the merchant on my own and only after they stopped all the communication I filed the chargeback. Under the consumer protection act, the onus is on my bank to get the money back if I can't get a refund. The broken washing machine is made available for pickup. The merchant was contacted by me numerous times, and the merchants failure to respond was submitted in my detailed letter to the bank to help with a chargeback filing documentation. The bank refused to help by stating that they do now get involved in these types of disputes.
Product: Credit reporting 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. 


Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I.C. System Inc is trying to collect on behalf of XXXX XXXX XXXX. I've never had an account with XXXX XXXX XXXX. I've requested proof from I.C. Systems in 2021 and this year, and they've been unable to provide that. XXXX has confirmed that I have no debt with them, and that they've never requested I.C. System Inc to collect on their behalf. 

I get threatening calls from them at all hours of the day, including night -- sometimes threatening XXXX against myself and my family. They use profanity and scare tactics during the calls. 

This is my second complaint with this company. They tried collecting false debt from me in 2021, and I made a complaint to CFPB then as well. Now they're trying to collect false debt again. 

Here is the text from my complaint in 2021 ( complaint # : XXXX ) : " IC System ( https : //www.icsystem.com/ ) is calling me multiple times a day, claiming they're trying to collect a debt on behalf of XXXX. They are also calling me at night. I do not owe this money -- I have never been a client of XXXX. I asked IC System for verification of the debt, and they said that they could not send me verification. I have never had any account with XXXX. I contacted XXXX and they agree they have no record of any account under my name or SSN. They have already processed a fraud claim. This is the third collection agency that has harassed me about debt to XXXX. The last one was back only two months ago. IC System uses aggressive tactics and refuses to provide proof of debt. ''
Product: Debt collection

Hello Consumer Financial Protection Bureau, I hope you are doing well. I would like to file a report in order to dispute a debt collections account that was opened in my name by my prior apartment 's leasing agency, XXXX XXXX. 

This collections account was opened in my name for the amount of {$1300.00}, however I contest that this number is not accurate and furthermore I do not owe XXXX XXXX ( XXXX XXXX, XXXX  ) any money outstanding. 

To explain, over the course of XXXX ( lease beginning XX/XX/XXXXXXXX  ending XX/XX/XXXXXXXX  ) I paid XXXX XXXX every fee that was required as outlined in the lease however right after I moved they began to claim I owe {$1300.00} in outstanding fees & charges. 

I do not understand at all where this number came from, since the only feedback I received after inspection said verbatim : " Keys ok Parking XXXX XXXX Very very dirty '' and " Full paint Full make over They trashed the unit Replacement of all blinds Rekey unit..keys above kitchen sink Add ac in bedroom Fix trim under front door '' Given the fact that nothing was broken in the short amount of time I lived there, I do not understand nor agree with anything that was written, and I question the validity of the individual who wrote this as the language here is poorly written at best and borderline incomprehensible ( I do not have any idea what the XXXX refers to, for example ). All appliances and surfaces were cleaned and returned in the same condition as I received them in. 

Further to the feedback above, many of these statements are either downright untrue or completely unreasonable. " Very Very dirty '' is not true since the walls, floor, and ceiling were all sanitized/disinfected and cleared of debris. " Full make over '' is referenced as something I am being charged for, however this is outrageous considering the real estate agent specifically told me before moving in that this particular unit was just remodeled, so it makes no sense that I would be charged for a " full make over '' of the apartment. Another thing that is mentioned is " Add ac in bedroom '' which is another outrageous thing for me to be charged for. The apartment did not have air conditioning in the bedroom to begin with when I moved in, so why am I being held responsible to pay for a new AC unit in the bedroom? 

In conclusion, from what I have gathered I am being unfairly penalized for a sum of {$1300.00} in charges from XXXX XXXX XXXX XXXX XXXX XXXX I have attached my payment history which confirms receipt of my monthly dues/expenses for the full 12-month period of the lease. Since I've paid the full balance that was required as outlined, I believe it is unlawful for this company to file a debt collection in my name and I believe I am entitled to have this penalty removed from my credit history. 

Thank you.
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 accounts 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 accounts 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. 
XXXX XXXX XXXX CO XXXX Balance : {$5100.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$330.00} ; XXXX XXXXXXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2500.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX
Product: Debt collection

Aldous & associates called me saying that I owe XXXX over {$100.00}. I explained to him that I canceled this membership months ago. And he said oh well, you didnt end it properly. And insisted that I give him my card information over the phone. He said he was an attorney by the name of XXXX. He was very rude and when I asked him to send me an invoice by email, he sent the email and hung up on my face.
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE IS A CHARGE OFF REPORTING ON ALL THREE OF MY CREDIT PROFILES AND THAT CHARGE OFF IS FOR XXXX XXXX XXXXXXXX. MY SOCAIL SECURITY NUMBER WAS FOUND ON THE DARK WEB. I'VE ALSO NOTICED THAT THE STATUE OF LIMITATIONS IS EXPIRED ON THIS ACCOUNT FOR STATE OF IOWA. 

According to the information given to us by the credit bureau, the date of last activity by the original creditor was ( XX/XX/2016 ). The Statue of Limitations on this alleged debt, even should it be ours, is 5 years in the state of ( IOWA ). 
Since the debt is out of the statute of limitations, and you are reporting this on my credit report, you are conducting collection activities on zombie debt. 
I'm sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ). 
However, I would like to point out that it violates provisions of the FDCPA by implying that the legal status of the debt is collectible by reporting the alleged debt. 

The exact statute : [ 15 USC 1692e ] ( 2 ) The false representation of -- ( A ) the legal status of the alleged debt and ( B ) any services rendered or compensation which may be lawfullyreceived by any debt collector for the collection of a debt.

Section 604. Permissible purposes of consumer reports The exact statute : [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ;
Product: Debt collection

XXXX XXXX XXXX. 
XXXX No longer has the debt as I contacted the Federal Trade Commission because I received charges for something I didnt do. They no longer have the debt as they returned it to XXXX who no longer has records of the account but DCI refuses to send me a letter, email or fax to confirm that they no longer have the account.
Product: Vehicle loan or lease

Hyundai motor credit & Gap insurance were notified XX/XX/2019 the car was totaled. The Insurance company paid out the loan. 

On XX/XX/2019 Hyundai claims they sent Gap insurance the paper work to pay off the remaining balance. 
Gap insuranse claims they never recieved it to satisfy the loan. 
Hyundai stated to gap ( verified address ) they will agin send the paper work XX/XX/XXXX XX/XX/2019, I recieved a letter from Hyundai dated XX/XX/XXXX, that the debt has not been satisfied. My credit report now has XXXX non payments listed from them. 

What can I do. The Gap insurance is still waiting to recieved the paper work from hyundai to resolve the balance, meanwhile I will get another non payment in XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

THESE items are not mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Recently you won a law suit against Green Tree Servicing. I just wanted to inform you that the company who took over for them are in violation of the same thing that Green Tree was found guilty for. To this day they have called and threatened my family members, my employer, released information to them about my loan. They also threaten by phone and letters. They also charge a convenience for payments. Just because they changed their name from Green Tree to Ditech did not change the way they treated the consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed multiple disputes beginning in XXXX of 2022 in regards to inaccurate items on my credit report. It has been well over 30 days and I have yet to receive any investigation or verification results. In accordance to the fair credit reporting act this creditor has violated my rights. According to 15 USC 1681 602 states that I have the right to privacy, section 604 ( A ) ( 2 ) No one can furnish information on my credit report with without my written instruction.
Product: Bank account or service

My account was over-drafted to - {$13.00} on XXXX XXXX. Around XXXX on XXXX XXXX I accepted what is supposed to be an " instant '' quick-pay from another chase account for {$30.00}. So my balance showed it was positive at that point, and I was relying on the small amount of money I had to pay for food and laundry this weekend. Then in the morning I check my account and saw it was - {$17.00} since Chase had charged me {$34.00}. Now I can not wash my clothes or eat for 2 days. I am a college student and this is absolutely devastating to my financial situation. {$34.00} might not seem like a lot of money to Chase but to me it made a huge difference. When I called them they were not understanding and told me there was nothing they could do. {$34.00} is over three times as much as it was over-drafted by.
Product: Checking or savings account

Bank of America is a nasty financial institution that causes more duress than any other financial institution! 
After deposits were made to secure funds being covered XXXX  BANK OF AMERICA STILL RETURNED THE CHECKS!! 
LOW DOWN. 
NASTY. 
ARROGANT. 
UNCONSCIONABLE. 
UNACCEPTABLE. 

THE CFPB MUST STOP THIS FROM HAPPENING XXXX  BEFORE THE NEW ADMINISTRATION CHANGES THE GUARDS OF THE CFPB CORPORATE GOVERNANCE! 

THIS IS A TRAVESTY AND BANK OF AMERICA HAS TO BE STOPPED!
Product: Credit card or prepaid card

In particular this was investigated in another case # XXXX, and the Company reported that they had the right to close the account and that was the final decision.Part of my complaint was I filed with XXXX XXXX a " Credit Dispute ''.

In their letter to me dated XX/XX/XXXX in the last paragraph they state " On XX/XX/XXXX, we received your faxed credit reporting dispute regarding the account closure and your request for reinstatement. The dispute was inadvertently closed without resolution on the same day it arrived.

They make no other mention of my " Credit Dispute '' other than they " inadvertently closed my dispute without resolution. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # ( XXXX ). XXXX XXXX Account # ( XXXX ), XXXX XXXX Account # ( XXXX ) ( XXXX ), XXXX XXXX XXXX  Account XXXX XXXX XXXX ), XXXX XXXX XXXX Account # XXXX XXXX ), XXXX Account # ( XXXX ), XXXX Account # ( XXXX ), Pervious Address ( XXXX XXXX XXXX XXXX XXXX WI, XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ) XXXX XXXX  XXXX Account # ( XXXX ), has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I Have the rights 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: Student loan

Hello, I requested repayment plan based on income and never gets processed i am struggling with XXXX loans and need assistant asap. 


XXXX
Product: Money transfer, virtual currency, or money service

Mobile phone and debit card were stolen on XX/XX/XXXX. Bank account and electronic payment services information ( XXXX XXXX, XXXX, XXXX, XXXX ) were compromised. Transactions totaling {$60000.00} were processed via the electronic payment services for the dates and amounts listed below : XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5000.00} Disputes were filed with each electronic payment service, in addition to my primary financial institution, Navy Federal Credit Union. Reports were also filed with the local authorities, FBI, and FTC. Legal reports were provided to the company for reference. However, no action was taken to rectify the situation and return the stolen funds.
Product: Credit reporting or other personal consumer reports

1. Complaint target makes it difficult for consumers to obtain a copy of their report. 

XXXX XXXX XXXX XXXX issued a denial based upon the information provided by the complaint target. It is possible that the complaint target compiled information on the consumer that contained inaccuracies, leading to the denial.
Product: Mortgage

Our original mortgage was with XXXX and sold to Bayview Loan Servicing. We had an auto draft set for XXXX and Bayview took it out on the XXXX resulting in returned checks and NSF fees. Contacted an agent on XXXX and told to submit in writing the complaint and the bank statement showing NSF fees - send a fax to XXXX. I did this and no response to email or verbally so on XXXX/XXXX/15 called again and spoke with another agent who assured me the NSF fees had been applied to my account on XXXX/XXXX/15 and it would take 5 days to post. As of XXXX/XXXX/15 nothing has been refunded and I am out over {$500.00} due to Bayview 's mistake. Calling again today but this is horrible customer service and I have yet to be acknowledged by a Manager, even after several messages left on voice mail