23daVinci/CFPB_Complaints huggingface dataset:
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 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 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: Credit reporting or other personal consumer reports

I am writing to request the immediate deletion of an inaccurate account that is currently listed on my credit report. This account is involved in pending litigation, and as such, it should not be reflected in my credit history.
Product: Credit card

I was at XXXX XXXX to purchase appliances on XXXX XXXX, 2015 using CHASE credit cards. I have credit line of CHASE Freedom VISA for {$2500.00} and CHASE XXXX RAPID REWARD VISA for {$19000.00}. 

My transaction cost was XXXX + - which I charged on CHASE XXXX first ; however, it was declined with FRAUD ALERT reason. I confirmed my transaction online. Upon calling, I offered all the necessary information to identify me, however, at the at they declined the transaction with excuse that they still could not identified me. I gave my SS number, date of birth, how and under what circumstances I got my credit card, XXXX digits on the back of my card, credit card number, birth date etc. But the company still refused to approve the transaction saying it is part of process and requires further investigation. 

I was at the point of sales of XXXX XXXX and the bank had all the opportunity to identify me, however, because of their discriminatory practice, I had to go through embarrassing situation, spend lots of time, and end up their rejecting my purchases. 

CHASE VISA also called me after few days of transaction, however, they are still confused about my identity till XXXX XXXX, 2015.
Product: Checking or savings account

I am reaching out about a payment on my card that is coming from XXXX. The last email I have from that company is from XXXX of XXXX regarding the deferral of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have been charged {$20.00} as far back as XX/XX/XXXX and it has hit at the same time as many other bills on auto draft so I had missed this until last month and when I contacted who I thought it was connected with to cancel, I did so. Only to find out this month when it happened again that it was from this source and not the one I thought it was from. When I log on to XXXX  account I have no form of payment saved to my wallet so I am unsure how a monthly {$20.00} payment is being made without a payment option to my account. The last registration I have with my account of XXXX is from XX/XX/XXXX for the deferral but the price is {$0.00}. My account even states that I have a standard account which is free when I go to my profile. The odd thing also is that their XXXX XXXX XXXX subscription is for XXXX which is less than the {$20.00} a month I have been charged for 2 years.
Product: Credit reporting or other personal consumer reports

I began using the Discover student credit card about 6 months ago and have awaited my credit score from the credit bureaus. However, despite checking multiple times, I have not seen any activity, credit history, or credit account listed on my XXXX or any other credit bureau 's website. Initially, I thought it might be because I was new to credit and it was my first credit card. But after hearing from others who reported seeing their card and activity listed within three months or less, I became uncertain about the issue. 

I tried to address any potential discrepancies in my information, such as my address or name. However, as I can see both hard and soft inquiries, I believe my account has been correctly identified. Nonetheless, the credit card and its associated activity have not been registered, resulting in the absence of any credit score. My initial suspicion was that Discover might not be reporting my account, but after confirming with them several times, they have assured me that reporting is done in every cycle, including off-cycle reporting. 

During my last contact with Discover, they initiated a case to investigate the issue. However, I still remain uncertain about why I can not see my credit card loan and activity listed on the credit bureaus ' accounts, even after reporting has allegedly taken place.
Product: Credit reporting or other personal consumer reports

The information shared is incorrect. This is a is a violation of my privacy by selling and reporting my personal and private information to any third party. 

In accordance with the FCRA this creditor has violated my rights. 
Under 15 USC 1681 section 602 states that I have the right to privacy. Section 604 of the Fair Credit Reporting Act No consumer reporting agency may furnish a consumer report to any person unless the consumer has authorized the disclosure of the report in a writing that is specific, informed, and easily revocable. 15 USC 1681 section 604a section 2 states that a CRA can not furnish an account without my written instruction.

I have written them to remove this inaccurate account and they have not.
Product: Credit card or prepaid card

Card was opened in XX/XX/2019. Card would not work. Contacted Barclays and CSR informed me to fax a copy of my drivers license and social security card to verify account. Fax was sent XX/XX/XXXX. Waited and called back in early XXXX. CSR informed me that fax was ineligible and requested me to fax it again. Faxed copy on XX/XX/XXXX. Nothing changed. Contacted Barclays on XX/XX/XXXX and they said they hadn't received fax ( I have proof that fax was transmitted correctly ). Re-faxed documents on XX/XX/XXXX. Contacted Barclays on XX/XX/XXXX and CSR says that they still need a copy of the utility bill. This was a new request that had never been told to me before. CSR would not let me speak to a supervisor or escalate this. Now receiving a collections calls due to late payment. The card has a {$95.00} annual fee and a late payment charge of $ XXXX dollars but I can not access this account or pay anything due to the account being locked. I inquired about closing the account and the CSR told me I can not close this account until I pay the {$95.00} annual fee and the late fee EVEN THOUGH BARCLAYS IS  NOT LETTING ME ACTIVATE OR USE THE CARD THEY ARE CLAIMING I OWE THEM MONEY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Early Warning https : //www.earlywarning.com/ did not respond to mail-in forms requesting a copy of my personal report after being denied a new XXXX XXXX bank account. I printed the form and sent in a copy of my State ID card. The request was ignored after a month of waiting. It can only be done by printing out the forms they require and mailing them in.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have checked my credit report and have been involved in some type of fraud. I have credit inquiries that are being reported to my credit bureaus that I did not authorize. Most of the credit inquiries date are the same. Some of the dates are old and some new but I did not authorize these companies to run my report and I would like these items removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a notification from XXXX XXXX saying my account is closed and the balance is {$0.00}. I called to make sure and spoke with a lady named XXXX. She stated my account is not closed and the balance is {$1000.00}. I also had her state the last payment made to the account because they record the calls and she stated that it was made on XX/XX/2018. This is all confirmed on their website.
Product: Debt collection

On XXXX XXXX, 2015 I had cancelled service with XXXX. I then received a bill dated XXXX/XXXX/2015 for {$110.00} to be paid by XXXX/XXXX/2015. 

On XXXX/XXXX/2015 I was contacted by Diversified Consultants a collection agency representing XXXX saying I owed them in regards to XXXX the amount of {$110.00}. Upon contacting XXXX I was told that my bill is still due with them on XXXX/XXXX/2015 and should not have been sent to collections of any type until at least 30 days after the due date. However, they could not confirm that it would be taken away from the collection agency. The bill was paid to XXXX on XXXX/XXXX/2015 in full. 

Diversified Consultant 's also told me that I could not XXXX and they would not speak to me regarding this matter. Diversified Consultants also said that they " are XXXX '' as in they are the legal entity of XXXX and that calling XXXX direct they would not take my payment. I believe this is a False representation by Diversified Consultants. I do not believe that XXXX or Diversified are within their right to send a not-yet-due bill to a collections agency. On XXXX XXXX I received a letter by XXXX mail stating that my bill had been paid in full to Diversified Consultants. However, no money was exchanged between myself or Diversified Consultants. My money was given to XXXX prior to the bill being due.
Product: Debt collection

My account has been placed with XXXX XXXX XXXX. here are the details : XXXX XXXX XXXX : Original Creditor : XXXX XXXX XXXX XXXX. 
Current Creditor To Whom Debt Is Owed : LVNV Funding LLC Total Balance Due : {$1600.00} I had not spoken to XXXX at all until today XX/XX/2020. My mother called and said someone from XXXX called from XXXX on XX/XX/2020 and divulged information about the debt including phone numbers, amounts owed, and addresses. They said to my mother that she was a reference on the account, which she was not. I never listed her down anywhere on any account. I know they got the information from a skip trace report. I called XXXX today on XX/XX/2020 at XXXX EST and spoke to a CSR about this and said they would remove her number from the account. She ended up transferring me to a manager whose name I couldn't understand. The manager confirmed they did call and said in her notes that " they spoke to the debtor on XX/XX/2020 '' and said they had been sending statement after statement, which I have not received. I have only received an email from them on XX/XX/2020. When I confronted the manager about divulging the personal information about the account balance and creditor name, she said " That's how we run things here, and is out process and policy. '' I said no, per CFPB regulations, you can not divulge sensitive account information to anyone other than the debtor. She then said that they would have to go back and listen to phone calls to investigate. After trying to ask for more info on why this happened, she said they would list my account as " Cease Collections '' and hung up on me. I have also never gotten any communication from LVNV Funding.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX and let them know my husband had been laid off of work and I had just had a XXXX XXXX and was unable to work as well. Therefore, I asked if we could come to an agreement and settle on our bill. The gal that was helping me had to speak with a manager. This same gal that was helping me confirmed with her manager that they would indeed accept a settlement under the circumstances of being laid off and medical issues. She also assured me that It would not be reported as a bad debt write-off. It would be reported as " a paid amount accepted by XXXX XXXX. We agreed upon {$3000.00}. I 'm disappointed they did not keep their word. My efforts with XXXX XXXX have proved fruitless to resolve this.
Product: Credit card

My wife and I tried to transfer Chase XXXX XXXX points from her account to mine. I was told that there was already XXXX account attached to my credit card that had points transferred to/from my account and it needed to be removed. I could not find this mystery account on my online profile and Chase could not either. However, their computer system was still telling them that a mystery account was attached to my account which is why my wife is unable to transfer her points to me. 

Chase is not able to give me any information regarding this mystery account attached to my account and we've called XXXX times in 1 month. The last 3 times including today we were told that this would be sent to the escalations team where the problem would be resolved by them and we would get a letter in the mail explaining the resolution. Letter # 1 was short and sweet ; it simply stated that it acknowledged we reached out with an inquiry but we would need to call back with more information. Letter # 2 explains how we can easily transfer points online by ourselves and tells us to call back if we have any questions. On the phone today, I explained our frustration and was told that not only could we not talk to the people answering these escalations directly, but neither could the current escalations team we were speaking with. They have no way of talking to this different escalations department and they also could not share the information they are giving about this situation to the other department so that we could verify that the problem is being worded correctly. I told the escalation rep I was speaking with that the letters are just boiler plate messages and it looks as if a bot is just picking at keywords in the complaint and submitting knowledge base articles based on the key words. I was refused the ability to talk to someone who had the ability to solve the problem and I was refused information when asking for the number/email/being transferred to their XXXX. 

They have submitted another escalation but the representative made it clear that this would probably get us another letter in the mail with the same shallow results and no actual solution. I was told I could send a secure message online or mail a letter with my own statement explaining the problem but that doesn't mean I'll get a reply. The lack of willingness to help is only superseded by the actual ability to help. I don't think the people I spoke to are stupid or unprofessional. I think that Chase doesn't give them the power/ability to actually solve problems on purpose so that people just give up and spend more money with the company. 

Just to be clear, despite the error Chase is seeing in their system, their is no actual account linked to my account or my wife 's account. 


I have documents to upload but they include my name, address, and last XXXX digits of my account and this website is telling me not to share that information right now.
Product: Debt collection

The company called my mother and told her that I was going to go to jail if I did not get in touch with Credit Corp Solutions. Also, and address was needed to serve my paperwork for court. She gave the company my address and told them a time that I would be home so the said company can serve me some type of paperwork. The address listed on the paperwork is mine however, it was received by a neighbor of my mother. After, knowing my address. The neighbor daughter gave me this information a week after someone gave it to her father. The information provided has inconsistencies and multiple addresses. The paperwork that was given did not come in an envelope with a return address. A letter about debt repayment options was mailed to my mother house as well after my address was given.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Transunion LLC XXXX XXXX XXXX XXXX, PA XXXX Date XX/XX/XXXX To Whom it May Concern : I recently pulled a copy of my credit report and noticed the following information are in error : Name And Addresses XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX With the amount of identity theft going on, I am very fearful that someone could mistakenly identify me as someone else with this incorrect information on my credit report Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In according with the fair Credit Reporting Act XXXX Account : XXXX, XXXX XXXX XXXXXXXX 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 furbish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting TWO negative accounts under my credit report. I have tried contacting the creditors of these accounts, but no help has been resolved. 
The two negative accounts are : 1. XXXX XXXX XXXX Someone used my information for a car loan and signed my name. I DO NOT OWN A VEHICLE FINANCED with this company. 

2. XXXX XXXX I have NEVER contacted this company in my life. Yet they are stating i owe them a {$200.00} unpaid amount. 

. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed ABOVE.
Product: Debt collection

I am a victim of identity theft and have been a victim of identity theft for over 30 years. I been receiving harassing phone calls and death threats from Capital Management Service, LP representatives regarding a fraudulent and unauthorized credit card account/debt that do n't belong to me. The following account is fraudulent and unauthorized : XXXX XXXX, Account Number : XXXX
Product: Debt collection

I submitted letters & documents showing proof that I had insurance and was covered. I verified with the hospital as well and they sent me an approval letter that I sent 2 all collection agencies and all 3 credit bureau and this collections still has yet to be removed from my XXXX XXXX XXXX account. I have documentation if needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported identity theft to the bureaus, requested a freeze. I went through each step with the FTC. To no resolve. My use Idenity has been completely taken over. Unemployment claims, XXXX accounts, online payments, even XXXX refuse one now. 
My ex finance stole my information him ( XXXX XXXX XX/XX/XXXX  ) and his girlfriend XXXX XXXX took advantage of my XXXX  XXXX  and took everything from me. I I dont know what to do. Its been months, things are getting worst. He even sends fake letters requesting money. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report # XXXX and while disputing some items that need to be deleted. When I requested an investigation no protocol under the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], was followed by EXPERIAN. The reasons why these items should be deleted are indicated below : Item # Reason for Deletion XXXX XXXX   XXXX  Partial Acct # XXXX Unverified data and contract XXXX   XXXX  XXXX  Partial Acct # XXXX Unverified data and contract XXXX XXXX XXXX  ADDRESS ID # XXXX Unverified data and contract According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. 

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.
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  Account # 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 if the person knows or has reasonable cause to believe that the information is inaccurate.