23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

COMMONWEALTH FINANCIAL XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX This company continues to report inaccurate and unverifiable information to my report. I have noticed an account with a balance of {$910.00} reappearing with changed information. The company continues to change the date opened on the account so it appears recent. The account is currently reporting the account to be opened XXXX 2018. I have seen the date change many times. The account is in collections on my report but reporting as Open. I have requested this account to be removed with the company with no progress or response. This is a violation and needs to be removed immediately.
Product: Credit reporting or other personal consumer reports

I have provided all four pieces of information and expect these listed accounts to be deleted and blocked within four business days of your receipt of this notice ; otherwise, you are in violation of my rights under the FCRA once again! If you do not initiate an investigation regarding my dispute and delete this information within 4 business days of receiving this notice per 15 USC 1681c-2, as is my right under the FCRA, I will have to take legal action to protect my credit rating and myself. Each violation of the FCRA allows for damages of {$1000.00} should this matter be brought to court. 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) essentially states that if a person willfully violates any requirement of the FCRA with respect to a consumer, they are liable to that consumer for any actual damages suffered as a result. If actual damages can not be determined, the consumer can still receive statutory damages ranging from {$100.00} to {$1000.00}. This provision ensures that consumers are protected and have recourse if their rights under the FCRA are willfully violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was placed on my credit report for an old cable company with a balance for equipment fees. The equipment was turned in and original debtor updated to show balance owed to them was {$9.00}. I paid the balance that was remaining and original debtor shows the account has a {$0.00} balance. I have sent proof of all statements and credits to the account from original debtor to the collection company and to the credit bureaus while and disputed it multiple times. The collection company keeps reporting to the bureaus that the debt is valid and I owe a balance even with proof of payment and {$0.00} dollar statement from original debtor. They refuse to cease reporting the erroneous information and account after multiple phone calls emails and requests to have it corrected and removed. They also are reporting different account numbers across the XXXX bureaus that do not even match the account number they gave me or the original account number with XXXX XXXX. I have tried to speak to different representatives but I am always transferred back to XXXX who states that they don't work on my time they have a business to run and that it doesn't matter if I have sent them proof of {$0.00} balance with original debtor because she shows that I owe her company a balance. I have given them ample amount of time to address this problem and they keep reporting fraudulent information and trying to collect on a debt I do not owe. They are completely unwilling to correct this situation
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Act 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, are financial institutions by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), 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. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the financial institution and the Consumer reporting agencies XXXX, XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. Per 15 USC 1681a ( 2 ) ( A ) ( 1 ) reporting transaction history is ILLEGAL. 12 CFR 1022.3 defines IDENTITY THEFT as a fraud committed or attempted using the identifying information of another person without authority. 15 USC 1681o is civil liability for non compliance. I never received a 30 day opt out notice per 12 CFR 1016.7. Nor was I given reasonable opportunity to opt out per 12 CFR 1022.24. I am requesting EXPERIAN, XXXX and XXXX to provide documentation used to determine reporting transactional history was authorized by me the federally protected consumer signed with a wet ink signature. EXPERIAN, XXXX and XXXX have 15 days provide me with name of person spoken to, documentation used and any proof of reporting authorization. This information is being reported and used fraudulently as I have not given authorization or permission to use it especially my non public personal information.
Product: Credit card or prepaid card

So Ive been waiting for two days to get my direct deposit and when I call the corporate office they just keep on saying that they dont have a estimated time on how long and it ridiculous because I have a life I have to tend to and I need my hard earned money its my grandmas birthday and I cant even get a gift for her like something has to happen
Product: Credit reporting

Not a duplicate. To be delivered to each CRA at issue. In XX/XX/2014 the XXXX division conducted an investigation into acct # XXXX and determined that the item should be deleted from my credit report as I was never behind in payments. Even though another CRA was in compliance with removing this item, TransUnion failed to remove the item from my credit report. This has caused unjust damage to my credit report as creditors view this item as adverse. This item must be immediately deleted as according to the investigation conducted in XX/XX/2014 by the XXXX.
Product: Debt collection

I received a letter stating I owed {$4500.00} on a debt from XXXX XXXX. I have never owned anything from XXXXXXXX XXXX or acquired any debt from XXXX XXXX 
On XX/XX/22 I contacted Diaz & Associates regarding the alleged debt. I was informed that this debt was from something that they claim was previously on my credit report and removed. They stated the the alleged debt was from XXXX. I informed them that this must have been fraud and advised that their was a statute of limitations on the collection of debt, however he said I still owed the debt. I informed them that it was fraud and I do not owe the debt. 
Apparently this company is purchasing old alleged debt or making up debt in an attempt to collect, long after the statue of limitations on collections. Attached is the letter. Please contact them and have them remove my name and information from their system
Product: Money transfer, virtual currency, or money service

My husband is a US Citizen living in the XXXX with me and our son. His military pension is paid monthly into our US Chase Bank account, every month we initiate a wire transfer from Chase Bank to XXXX XXXX Bank here in the XXXX. 

On XXXX XXXX, 2022 ; my husband initiated the normal monthly wire transfer in the amount of {$1.00} ( XXXX ), using our stored bank information with Chase as it is a repeat wire transfer. Transaction ID was given for the wire and we have a image of the wire transaction initiation. The wire was never received, my husband contact online customer service to request status of the wire transfer, we were informed that Chase has incorrectly wired the funds to another branch in the US in error. A case number was assigned ( XXXX ) We were informed that they would set about a wire recovery and to allow 3 to 5 days to see the funds retuned. 

XX/XX/XXXX, no funds, contact again by online support again. Told funds still not arrived. Husband then called Arizona Branch of Chase Bank ( our branch ) and spoke to the manager, who then escalated the case to urgent. She was leaving on vacation the next day but placed all notes in the account. 

XX/XX/XXXX, no funds, contacted again customer service and spoke to a manager who then read a disclaimer that although every attempt to recover funds will be made, there is no guarantee! How is this possible when this was a bank error, not an error on our part. 

We are now in arrears with our rent here in the XXXX ( after 9 years of renting our impeccable on time payment history has been tarnished ). In addition we ar

e unable to purchase food for our son and household. We can not reach anyone, and we are constantly told we will get a phone call in return in 2 hours, and 6 hours later no phone call. Our money has been fraudulently placed somewhere
and we are told we can not guarantee return, and even if we do get return we are subject to any return fees for an error by the banking facility not the client.
why was the money not refunded immediately upon realization that a banking error was made by Chase, then they open an internal investigation. Why is the consumer being held hostage in this manner. We have made many international phone calls at expense, time differences has caused us to take time off work to make calls ( husband works evening hours ). And still 10 days after the wire was initiated we have no clear understanding on how it happened, when the money is returned, and what we can do. 

I urgently beg that you assist us in this matter as a matter of urgency.
Product: Credit card

I have been a customer of Macy 's for over 50 years. Recently, XX/XX/year>, they issued a notice that informed me that my interest rate on purchases will be increased from what was a ridiculously high rate to one that is, I believe, illegal. The rate was based on the Prime rate of 8.5 % plus a add on rate of 24.99 % or a total of 34.99 %. They told me to either accept it or give up my card. I think this is a predatory tactic and as a XXXX senior living in XXXX, I think they should cease and desist this illegal activity. I recently file a similar complaint against Exxon with the exact interest rate boost. Both use Citibank as the intermediary.
Product: Debt collection

Portfolio Recovery Associates was mailed a letter earlier this month, and did not reply. The organization had been previously requested via the credit bureaus through the dispute methods ( XXXX, XXXX ) but it has circumvented this process. 

The credit bureaus have responded that the information has been " verified, '' but each has also failed to provide the methods/ sources for their Reasonable Investigations. 

Each has stated that they selectively are able to make 'predeterminations ' without actually acquiring consumer requested documents which does not align with consumer rights under the FCRA XXXX 

A debt is being reported under my name, and I have no idea of what XXXXXXXX XXXXXXXX is- I have not ever had a bank account with this bank or a XXXX XXXX  credit card. 

My letter stated that I have been a targeted in a data leak in the past, as a customer of both XXXX and XXXX XXXXXXXX XXXX  thus this could have possibly contributed to someone having my personal information in which to open this account. 

However, I have requested a contract, or actual documents but again ; Portfolio Recovery Associates has conspired with the credit bureaus -- - to circumvent the FCRA by failing to provide proof of their Reasonable Investigation/s and by failing to provide signed contract/s documents for my review.
Product: Vehicle loan or lease

Sometime around XX/XX/22, I received a letter from Rategenius ( see attachments offer-front.jpg and offer-back.jpg ). After reading it carefully, it was my understanding that they were offering me a rate of 2.64 % and a lower payment to refinance my truck. Since this was for an interest rate less than I am currently paying, I proceeded to go to the URL they provided to receive my personalized offer page. What I received instead was a form to fill out additional information. I did not realize I was actually going through the loan application process until it was too late and an inquiry had been made to my credit. 

At that point, I figured I'd just go ahead and provide the documentation they asked for, and proceed with the loan. This morning however, I received notification the loan application had been cancelled, with the attached document ( rategenius-denial.pdf ). Essentially in the letter they said they couldn't find a lender willing to offer the rate they promised. 

So I have two issues with this. Number one is them providing bait and switch interest rates that don't exist. Now they have all my financial information. This is completely unacceptable. 

The second issue I have is with the link to the personalized offer, which page was not indicative that I was actually making a loan application, and since it didn't show any additional details, I simply thought I was giving additional information so I could receive more details specific to my circumstances.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an outdated and grossly inaccurate account that has unjustly tarnished my credit report. The egregious errors in your reporting have not only violated consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), but also constitute a blatant assault on my financial integrity. Such reckless disregard for accuracy and compliance can not go unchallenged and may necessitate aggressive legal intervention. 

Upon conducting a thorough examination of my credit profile, I uncovered an installment account falsely labeled as XXXX/Dept of ED Loan , with an erroneous amount of {$3500.00} attributed to my name. This glaring discrepancy permeates my entire credit report, replete with inaccuracies in Account Numbers and clandestine concealment of vital account details. The evidence I possess overwhelmingly supports my claim, leaving no room for debate or delay. Immediate rectification of this injustice is non-negotiable. 

**Disputed Account Information : ** - **Account Name : ** XXXX/Dept of ED Loan - **Amount : ** {$3500.00} Furthermore, the purported last activity date on this account bears no resemblance to the actual date of my last payment, distorting my credit history and undermining my financial credibility. These deliberate manipulations have been meticulously documented across all credit bureaus, serving as irrefutable evidence of your organization 's negligence and malfeasance. 

It is imperative to emphasize that the mislabeling and misrepresentation of accounts, such as falsely designating an account as " paid as agreed '' or inaccurately labeling another as " deferred, '' constitute flagrant violations of consumer protection laws, particularly the FCRA. Your disregard for these fundamental legal standards demands swift and decisive action. 

I demand your immediate and unwavering attention to this matter, with a swift resolution in strict accordance with the FCRA guidelines. As stipulated by FCRA regulations, I expect a response within 10 days from the date of this correspondence. Failure to promptly address and rectify these egregious inaccuracies will leave me with no recourse but to pursue all available legal avenues against your organization, seeking not only redress but also punitive damages for your wanton disregard of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date of Late Payment : XX/XX/2022 Monthly Payment : {$20.00} I have attempted to resolve this on my own numerous times. Was told that they don't have to help me, I've been more than patient. This adverse action to my report is causing me great harm to my mental & physical health. This is a heavy weight upon my shoulders, and upon my review of my consumer rights. 

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 


Account Name : XXXX XXXX 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 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 and 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

LOBEL FINANCIAL received my retail installment loan and has yet to fully disclose my rights as the consumer pursuant to consumer laws provided by Congress.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX they took all of the {$200.00} my Mom sent me for working on the house for her because my account was closed on venmo and because of the overdraft fee. The over draft fee was {$270.00} for a previous payment that didn't go through. They didn't just take this original {$200.00} but they also withdrew {$270.00} from my bank account from when my work paid me. A total of {$470.00} they have taken from me and used without my permission to pay overdraft fees which I did not want to do. They won't let me remove access to my bank account through the app, and also won't let me delete my venmo account. If I had the option I would have just closed my venmo account before these charges went through but there was no option on the app. They didn't only charge me twice for the same thing, but there was money in my bank account for the original payment, they just withdrew from me late. So this overdraft fee is not my fault, and they charged me twice for the same overdraft ( caused by their tardiness in receiving my original payment ). All of this is reflected in the logs provided and there is evidence of this. I would honestly just like my {$470.00} back as I am currently hungry, and find it unfair that they would interfere with financial transaction like this, 20 hours of work I did on XXXX for some of this money, and XXXX XXXX XXXX XXXX XXXX for some of this money. I have screenshots attached of the proof.
Product: Credit reporting or other personal consumer reports

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

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

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

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

This company never sent The periodic statement along with the disclosures from section 1637 ( b ).

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

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

Delete the late payments from my consumer reports.
Product: Prepaid card

I receive unemployment benefits from Way2go card. On XX/XX/XXXX XXXX charges were fraudulently made on my card one for {$950.00} ( XXXX ) and the other for {$910.00} ( XXXX ). When I noticed the charges I immediately contacted Way2go. On XX/XX/XXXX I received a refund of {$950.00} automatically I believe from XXXX and XX/XX/XXXX a provisional for {$910.00}. On XX/XX/XXXX the provisional credit was pulled back from my account. This is unemployment benefits I receive. I have no other income at this time. Ive contacted them several times about this. I was told XX/XX/XXXX the money would be released back to my account. Today is XX/XX/XXXX and nothing. My unemployment has expired and Im dealing with an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This requires a XXXX. My unemployment benefits has exhausted and I have to wait 30 days to file a claims. Meanwhile, I have no income and my money is being held. I thought my account is FDIC insured. I need help getting my money released. 
My dispute number is XXXX
Product: Student loan

In XX/XX/XXXX, this loan was discharged in US bankruptcy court. Discover Student Loans ( aka SLC ) continued to collect monies and report to credit agencies that my payments were delinquent and sending letters as such of my account being past due. I was informed by SLC that they did not discharge my loan and needed to repay. I have been paying on this loan since then at varying payments based upon my payment agreement with SLC. In addition, they offered me a 0.25 % discount for setting up automatic payments. In the past 5 years my rate has gone from 6 % to 11 % and billing reflects no such discount from automatic payments. I have consulted with my bankruptcy attorney, and this loan was in fact discharged and Discover ( SLC ) has been unlawfully collecting payments from me. I have forwarded all documentation to Discover ( SLC ) and when I speak with customer service I get no answers or help from the representative. I have made approximately $ 4000+ in payments and my loan balance continues to increase. Furthermore, my ex husband has contacted Discover claiming fraud, which Discover closed its case in XX/XX/XXXX stating he did lawfully co-sign for the loan. I was informed from discover that they did investigate but he can continue to file. This is harassment that the company continues to allow someone to file such claims, when it has been previously investigated twice.
Product: Credit reporting or other personal consumer reports

Recently Ive received a copy of my credit report and noticed that there are accounts that are being reported improperly. These accounts are detrimental to my credit and my life. Please review this information and have these accounts removed immediately.