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

In accordance with the fair credit reporting act, the last of account below has violated my federally protected consumer right to privacy and confidentiality under 15 u.s.c. 1681XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. I have the right to privacy.. 15 u.s.c 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.. 15 u.s.c 1681 C. ( A ) ( 5 ) section state : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of conviction of crimes which antedates the report by more than seven years.. 15 u.s.c 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer agency if the person knows or has reasonable cause to believe that the information is inaccurate...
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute letter was sent to Equifax via postal mail on XX/XX/XXXX, I have yet to hear any acknowledgement or results.
Product: Vehicle loan or lease

My sister lease a car with a XXXX XXXX And they tell me the my license was going to use only to take the car out of the lot The I not was a co signed so now I was checking my credit score and now the car show the is on my name. 
I tell the them I got a loan already for my truck the I'm paying the i can't have another loan and they check my credit like 20 time with out ask me and they don't want to take my name out of that car I didn't buy that car I'm frustrated because I'm trying to fixes my credit
Product: Credit card or prepaid card

Opened an account with TD retail card services to gain 0 % apr on a furniture purchase from XXXXXXXX XXXX XXXXXXXX in XXXX XXXX. Their payment service is unreliable. Initially schedueld monthly automatic payment in XX/XX/XXXX, to find out that it didn't work and recieved a late fee ( {$27.00} on XXXX ) and a fee for returned check ( {$25.00} on XX/XX/XXXX ). This happened again in XXXX, with a late fee ( {$35.00} on XX/XX/XXXX ) and returned check fee ( {$60.00} on XX/XX/XXXX ) even after confirming multiple times with their customer service that it was set up. Then again on XX/XX/XXXX a late fee for {$29.00} when the automatic payment failed, so I stopped using automatic payment online and shifted to single monthly payments. This was worse, as I'd make a payment a few days before the due date when it was drafted from my checking account, and recieved a confirmation of payment from TD retail card services that the payment was on time, only to find that it didn't process in their system until after the due date and recieved a late fee in XXXX ( {$40.00} on XXXX ) and then again in XXXX ( {$40.00} on XXXX ). Then on XX/XX/XXXX I recieved a letter stating my account was past due, but according to my records and theirs my account was paid for XXXX and XXXX ( I paid a month in advance to allow time to resolve these issues. 

The company did reimburse a single late fee, as they only have the ability to do so once per 12 month period, however, these late fees are invalid. Their online payment system doesn't work. Their customer service is unwilling to review information. For all of these fees I have documentation of on time payment. 

Upon looking up reviews and XXXX  complaints, I was suprised to find that many many people have a similar experience with this company as the reviews are anaologous to my experiences. 

At this point, I want to pay the account in full after they remove all late fees, so I can be done with them forever.
Product: Credit reporting

On my equifax credit report it states in the status section that my XXXX account is a charge off. I paid this card off in XXXX 2014. It has been reporting incorrectly since I paid off the card. I have called finger hut and they do not know why it is being reported incorrectly. The status is not a charge off. This was paid off.
Product: Prepaid card

I received a {$150.00} XXXX gift card as a wedding gift in XX/XX/XXXX and made transactions between XX/XX/XXXX and XX/XX/XXXX. However, I noticed recently that XXXX began charging me a monthly {$5.00} inactivity fee since XX/XX/XXXX, currently amounting to {$50.00} in charges. These fees are illegal according to New Jersey Rev Stat 56:8-110. 

According to this statute, it is unlawful to charge inactivity fees on gift cards before 24 months from the last use. Moreover, after 24 months, any dormancy fee must not exceed {$2.00}. Given that my last use of the card was in XX/XX/XXXX, these fees should not have been applied until at least XX/XX/XXXX. 

On XX/XX/XXXX, I checked the amount of money on the card before I attempted to use it, then I noticed all of the fees. I promptly contacted customer service to dispute the fees and they made a request for reversal. On XX/XX/XXXX, I was informed that my request for a refund had been declined because the card was purchased in Virginia, which allows such fees. However, I clarified that I am a New Jersey resident and the card has only been used within New Jersey, where the inactivity fees are prohibited. 

I contacted customer service again on XX/XX/XXXX, and learned that there had been no resolution. I reiterated the legal concerns regarding the fees, and entered yet another escalated dispute without addressing the issue at hand. I called for a third time on XX/XX/XXXX and learned that the issue still was not resolved. 

On XX/XX/XXXX, I checked my account and discovered that only {$25.00} had been refunded. I called customer service for the fourth time to inquire of the remaining {$25.00}. I was informed that they could only reverse {$25.00} as a " one-time courtesy. '' This is absurd, as it implies that they are doing me a favor, when in fact the fees charged are clearly in violation of New Jersey law. I had the issuing bank reach out to them and XXXX responded saying Upon review of this gift card, it shows the gift card was purchased in the state of Virgina. Therefore, it is subject to inactivity fees for that state, not the state where the buyer may have mailed it to. There was a fee reversal of {$25.00} given as a one time courtesy to the gift card recipient. We apologize for any inconvenience this may have caused your member. However their disclosure says " Unless prohibited by your states law, if you do not use Card for 12 consecutive months, a {$5.00} monthly inactivity fee will be applied starting in the 13th month of inactivity. '' The disclosure does not specify nor distinguish where the card was purchased nor the recipient 's residence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I do not recall these inquiries and request removal or supply supporting document as required by Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. 

I have reached out to all of the companies within this list via certified mail and received no response : XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Please provide any application suppling this inquires.
Product: Credit reporting or other personal consumer reports

I am writing for XXXX ( XXXX ) reasons : XXXX. To dispute certain information in my credit file ; and XXXX. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( XXXX ) I dispute are listed below and are inaccurate orincomplete. I am requesting that the item be investigatedto correct the information XXXX XXXX XXXX
Product: Mortgage

I have been using a {$40000.00} HELOC account at Flagstar Bank since XX/XX/2019, and using close to {$40000.00}. Ive been paying monthly interest until last XXXX and started depositing to reduce the debt principle since XXXX of this year. The incident occurred on the interest and principal deposit on XX/XX/XXXX, when I deposited {$5000.00} to my HELOC account and asked to pay {$290.00} per monthly interest and the remaining {$4700.00} to my principal. However, according to the transaction history, a total of four transactions were generated. 
1 ) Interest : {$290.00} ( Monthly ) 2 ) Fees : {$330.00} 3 ) Interest : {$800.00} ( Unknown ) 4 ) Principal : {$3500.00} Of these, 2 ) and 3 ) are said to have occurred by their system logic without my request.

2 ) is a {$30.00} quote fee and {$300.00} is an unpaid annual account maintenance fees for four years ( XXXX $ /year ). I did not ask to pay for the account maintenance fees, but I was able to accept it, but the fee of {$30.00} is not right. According to their web site instruction, the fee was {$0.00} for Postal Mail, and I received the quote via Postal Mail, so it should not be billed. 
3 ) was a more serious problem, even they could not explain how this interest was imposed, and they asked for modification by creating their own cases several times within them, but they were rejected for internal logic reasons. 
I have called many times since the transaction and asked for corrections on these issues, but I have not made any progress so far in two months, so I want to report it here.
Product: Credit card or prepaid card

I when on line XX/XX/XXXX to look a XXXX XXXX XXXX XXXX XXXX, I placed an order for this product on XX/XX/XXXX and completed my order. Sunday morning XX/XX/XXXX I received a strange e-mail bulletin type form showing my complete account number ( in large one inch print ) saying that my credit card was bad, and that I had to immediately place my order again with another credit card. I took the bait. I used another Citi card ( same CC company ) I received the first one the next week. Weeks later I received another one, but had no paperwork, I got a second XXXX XXXX XXXX unit from them that was charged to the account that they said was NO good. I didnt order two, and they have no right to use my credit card again. The second one arrived on XX/XX/XXXX coming from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX. 
I received my Bank statement XX/XX/XXXX and filed a dispute with them telling them that I didnt buy two XXXX XXXX XXXXXXXX units. Now the newest statement reverses the charge back to me, saying this conditional credit was reversed, since it was determined to be a valid charge. My bank doesnt want to listen to me. A letter was sent to Citicards on XX/XX/XXXX again. I also contacted customer Service at XXXX XXXX XXXX  to request a call tag ( second request ) to pick up the second unit that was not purchased by me. 
FYI : XXXX  XXXX XXXX has numerous complaints with XXXX
Product: Debt collection

I was contacted by Coast Professionals credit collection i was never contacted by them before and today ( X/XX/2017 ) around XXXX XXXX. i just received a called ( XXXX, XXXX ) from them at my new job in which id just been working for two months. and luckily i was the one receiving the incoming phone calls from my job. i asked why i have n't received any mail from them. i asked them to please never call my job again. My student loans are going to be handled only by the lenders not third parties. they ask for my social security number and i refuse to give it. I don '' t know how they got my work information. They had my personal information why called my job, why they never send any mail.
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. 

Account name : XXXX  # XXXX, Account name : XXXX XXXXXXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

In XX/XX/XXXX, revolving account was opened, i do not recognize and it is reporting as closed and XXXX  days past due with a high balance of XXXX as of XX/XX/XXXX, precautions was taken and the balance was paid off but company is still illegally reporting the balance and hurting my score. As its in violation of my consumer rights i would like to get it removed on all three of my credit bureaus report.
Product: Credit reporting or other personal consumer reports

This started a couple years ago. I had XXXX " bills '' which appeared on my credit report sent to collections companies. I was using XXXX XXXX and filed disputes and got denied several times. Every time I was denied I submitted a dispute again. Never once did I get a call or email or anything from the credit reporting companies. I was only told that they found the information to be true. Now this was after my passport and birth certificate were stolen and my info ended up involved in several data breaches. Next I get a call from turbo tax and was told someone was trying to file a tax return in my name and social. At this point I called the cops, made a report and was told to let the credit companies know I had identity theft. Still received no help with this so here I am still disputing these collections and now more charge acct show up on my report. I am currently trying to get an apartment and this is holding me back. I can't even get a small loan to just pay these off because it is crazy. Please help
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally request the Consumer Financial Protection Bureaus assistance in resolving a dispute regarding the reporting of a bankruptcy on my credit file. I previously contacted the credit bureaus Experian to dispute the inaccurate information, but they have failed to respond within the legally required timeframe.

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), the credit bureaus are required to conduct a reasonable investigation and respond within 30 days of receiving a dispute. Their failure to do so constitutes a violation of my rights as a consumer. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ), I have the right to dispute any inaccurate or unverifiable information.

Furthermore, if the bankruptcy information was obtained from a third-party source rather than the original court records, it may constitute a violation of the FCRAs accuracy requirements. The law mandates that only accurate, complete, and verifiable information be reported on consumer credit files. If the credit bureaus can not provide evidence that the bankruptcy is being reported accurately, they must remove it from my report.

Given that I have not received a response from the credit bureaus, I request that the CFPB intervene and require them to comply with federal law by either providing verification or deleting the bankruptcy from my report.

Enclosed, please find copies of my previous dispute letters and any supporting documents for your reference. I appreciate your prompt attention to this matter and look forward to your response. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX* 15 U.S.C 1681 section 602 A . States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Money transfer, virtual currency, or money service

There were 3 transactions, 2 of {$600.00} and 1 of {$500.00} that were withdrawn from my account using XXXX. When I contacted my bank, they restricted my accounts and access to my online accounts, and canceled my card. Then they transferred my call to the XXXX department, and apparently a claim was filed, but they told me that since I supposedly authorized these transactions they couldnt do anything about the money I had lost. They then told me to try and request money back from the recipient, but how am I supposed to request money from someone who I didnt know and whose phone number/XXXX   information wasnt available to me?? The person who I had supposedly sent money to went by the name of XXXX as said on my XXXX app, but there was no phone number or account info to request money back from.
Product: Mortgage

I had my credit pulled by another mortgage company on XXXX XXXX and today XXXX XXXX at XXXX I got a call from AmeriSave Mortgage Corporation, NMLS ID # XXXX, ( XXXX ) ; Corporate Office : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX - XXXX XXXX, XXXX, GA XXXX. I was talking to a lady named XXXX. She said that since my credit got pulled for a home loan, that the credit bureaus sent her the information to let her Mortgage corporation know that I was shopping for a mortgage. I don't want the credit company 's selling my information. They knew my first and last name, birthdate, phone number, and home address. I asked the lady for her NMLS number and she said she did not have one. I asked for her company 's NMLS number and she said she did not know. She also would not give me her last name. The credit company 's should not be allowed to send my information out to the highest bidder. Thank you!
Product: Credit reporting or other personal consumer reports

I purchased a van through XXXX XXXX The van was totaled out. My insurance company sent them a check. They are claiming that there was a balance still due. There is NOT. They have ruined my credit score Ive logged into the XXXX XXXX  website and it says theres a balance of {$6000.00} Ive asked for proof of this they have not responded and phone reps refuse to send the info to me. Theyve been reporting on my credit report twice a month since XXXX balance past due. Which has brought my score all the way dow to XXXX. I want this information removed from my report as it is not accurate. I want copys of the payment history and of the check sent from the insurance company and I want the double past due reports removed from my credit reports. Removed from ALL CREDIT BUREAS.
Product: Money transfer, virtual currency, or money service

Hi, I recently wire transferred {$17000.00} to my CoinBase account. This wire took place on the XX/XX/2017. Since then my account has been locked, and CoinBase is  unable to verify my address linked to my account. Without proper verification and completion of the ID quiz, I am unable to buy, sell, or withdraw any money from the platform. I have called multiple times and have been told that " a specialist is working to verify my account '', however it has been a week and the problem is yet to be solved. My money is locked in a limited CoinBase account and can not be withdrew from the platform. 

Thanks!
Product: Checking or savings account

Entered into a {$900.00} incentive, reward bonus package with Chase bank, received via email. I went to a local branch, opened a savings account, checking account and an attached agreement to have direct deposit of my upcoming, initial Social Security checks. I requested paper for each leg of this process and had each step explained to me. XXXX XXXX  of my obligations were highlighted on paper, in front of me. The savings part went smoothly and the bank 's commitment was honored timely. The problem area was with the checking account. I asked how much money I needed to put into the account and was told there was no need. I was shocked and asked how you could open an account with no balance. I was told, no problem. From XX/XX/23 until XX/XX/23, Chase bank had no problem with a XXXX balance. On XX/XX/23 with no contact, no announcement- the checking account was closed. The vice president of the branch did not know either. This threw everything in the initial reward/bonus package askew. The Social Security Administration recalled 2 checks ( XXXX XXXX and Mid XXXX ) because there was no checking account in existence. I have been to the branch a few times to no avail despite very amicable, professional staff. My case has been investigated by : Executive Office, Executive Action, Fraud, etc. I have documentation for everything, including monthly statements acknowledging the XXXX balance yet open checking account for XX/XX/23 XXXX, and XXXX XX/XX/23, the inital online advertisement, self-made transcripts of phone communication with investigators. I still maintain the savings account to keep a relationship until this is resolved. I am a longtime Chase credit card holder in very good standing and there is no problem with marketing finding me via : text, phone, snail mail, email. I have kept all the paper correspondence and have readily available scans of such. I have provided the current savings account number for the bank to locate my records, but, do not see a place to enter the now obsolete ( gone ) checking account number. That information can be gleaned from the attachments however.
Product: Credit card or prepaid card

I was charged about {$5000.00} in " in-app purchases '' on my Apple Card ( credit card ). I was charged about 50 times between early XXXX and mid XXXX. Each transaction was in in the amount of {$99.00} plus tax. The app was XXXX ( a videogame on my son 's XXXX ). The transactions supposedly happened through Apple 's app store. My son has no access to make in-app purchases from the app store without me entering the password ( which didn't happen for any of those {$99.00} transactions ). 

I disputed the charges with Apple, and they decided that I was " ineligible for a refund ''. When I spoke with them on the phone, they said it was ruled that the merchant ( XXXX ) would issue the refund. I did get refunds for about 10 of the 50-some transactions, and the charges for the remaining 40 remain on my statement. I need them to refund the whole amount.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I applied for an checking account with a bank and was denied access to account by company. Company sent a email to I about a consumer report against given name when I have never used correct name before this year and I learned what name stands for this year. Before I was under sabotage. The State issued I a perfect credit file at birth with attached aged liquor company 's of XXXX XXXX XXXX and early warning LLC company refuses to allow customer to use birth given name and surname to acquire bank account and associates a sabotage name forged of social security number signature and wrote a false report against customer. Company uses military XXXX  XXXX  technology to interfere with customer and bank whom is a clear creole person.