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. 

XXXXXXXX XXXX XXXXXXXX XXXX : XXXX, XXXX XXXX XXXXXXXX XXXX : XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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: Vehicle loan or lease

On XX/XX/XXXX, I contacted Ally, and spoke with a representative, and a supervisor, concerning my financial difficulties. I explained my wife had been hospitalized recently and due to the recent flooding and bad weather in XXXX, Texas area I was unable to make the {$670.00} payment, because I had been unable to work my usual employment hours. I explained I would pay {$700.00} on XX/XX/XXXX, however the supervisor had no concern, simply speaking to me as if I was not aware of my financial hardship. I explained I have been struggling since my wife became ill and we lost income, along with bad weather since Hurricane Harvey which I had not been able to recover from. I have struggled to pay for the XXXX XXXX for over 5 years, My request to ally for a lower payment or any assistance allowing me to bring my account current has been denied. I explained the vehicle is almost paid off and it seems Ally simply wants to repossess it. I understand my payments are behind, however I continue to pay the debt. I am not avoiding the Ally, I am calling, emailing and requesting assistance. I have to call repeatedly to speak with a representative as if my account is flagged to prevent the call from being transferred. The representative made no effort to assist me, in fact he may have placed the vehicle on a repossession list despite me requesting a payment arrangement. This is unethical, due to the fact I have made payments for 5 years, now the vehicle is almost paid off they claim no arrangements can be made to assist me. The law may allow  this practice, however many people are having financial hardships due to various reasons allowing customers who are struggling to make payment arrangements should be an option.
Product: Credit reporting or other personal consumer reports

A charge off is considered a certificate of indebtedness which means it is income and must be removed. I recently came across information related to charged-off amounts and their implications under the Internal Revenue Service XXXX IRS ) XXXX. According to the IRS XXXX, a charge-off is considered a certificate of indebtedness, which means it is treated as income and, therefore, eligible for removal from the records. Please act in good faith and remove any information regarding account ACCOUNT # XXXX from all credit reporting agencies immediately.
Product: Credit reporting or other personal consumer reports

As a consumer by law, these accounts on this letter must be updated or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we have already been involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding XXXX  failure to provide proof that I own a debt as requested. 

In XXXX, I reached out to XXXX and requested documentation or a letter with evidence to validate that I own a specific debt listed on my credit report. Despite my request, XXXX failed to provide the required proof of ownership of the debt. This lack of response has caused significant frustration and concern, as it is my right under the Fair Debt Collection Practices Act ( FDCPA ) to have debts properly validated. 

Without proper validation, this debt remains unsubstantiated and continues to impact my credit profile negatively. I believe this is a violation of my rights as a consumer. 

I respectfully request your assistance in ensuring that XXXX either provides the necessary proof of ownership for the debt or removes it from my credit report promptly. I am attaching any relevant documents, including my original request and follow-ups, to support my case
Product: Checking or savings account

On XX/XX/2018, 18 fraudulent transactions were debited from our PNC checking account totaling almost {$1800.00}. I promptly disputed the transactions, opened a new account as per their advice so that we dont touch or use the account while the bank conducted their investigation. Our account had a positive balance of {$150.00} before the occurrence of the fraudulent transactions. 

I visited the PNC branch on XXXX and XXXX in XXXX to get updates re : this account. Several times I visited with XXXX XXXX, branch service associate, who was helpful in trying to understand what was happening. He had contacted customer service/escalation dept. to get information so I can recoup our {$150.00}. 

I did some phone calls myself and was completely surprised on one of those calls to learn from customer service/ escalation dept that they can not help me anymore because the account was closed and was charged off/sent to collections because of a negative balance of {$570.00}. There were several shockers in this : the account having a negative balance ; the account being sent to collections without any effort to contact us ; and me learning about all these only after calling to follow up on the investigation. 

After several more visits with Mr. XXXX, the bank was proud to be able to reverse/refund some fees/transactions ( that should have happened anyway relating to disputed fraudulent transactions ). They sent us a check in the amount of {$37.00}.
Product: Credit card or prepaid card

I signed up for Amex everyday credit card after following an online promotion of {$150.00} cashback as statement credit after spending {$1000.00} in first three months. It was way back on 2016. I followed the criteria and still I didnt get any statement credit. I followed up with customer service via phone and chat. They told me that i did not clicked the link for the cash back after spending {$1000.00} in 3 months but i clicked a different link for cash back after spending {$2000.00} in 3 months. I clearly remembered that I signed up based on the first criteria because i know my spending habits. There was no reason for me to sign up for a credit card at that time other than their catchy but false promotional promise. Anyways they gave me a complaint number and never called me back to resolve the issue. I felt so much cheated that I stopped using amex. I was new at this country at that time with limited English speaking ability. Also I didnt know any other places to look for resolve. Now I know my rights and want to file a complaint against this giant company. They can deny and they might choose to not give me my cash back but i want to let them know that you lost a customer and I would tell my friends and family never to sign up for amex again. I am super happy with my XXXX   and XXXX credit cards.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Prior the many phone calls, I sent letters to each creditor and credit bureau asking for proof of validity of signed by me XXXX XXXX XXXX credit applications ( inquiries ) The Results Of Our Reinvestigation ( XXXX ). 

>>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE XXXX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE XXXX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. 
Inquiry Date : XX/XX/XXXX CR ( Continued On Next Page ) XXXX Page 3 of 6 XXXX XXXX  XXXX XXXX XXXX The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE XXXX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : ( XX/XX/XXXX XXXX XXXX XXXX XXXX ) >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE XXXX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX We have reviewed the consumer statement. The Following Consumer Statement Has Been Added/Updated To Your Credit File As You Had Requested. THE FCRA STATES THAT THE ONLY PERMISSIBLE PURPOSE FOR PULLING SOMEONES CREDIT REPORT IS A ) FIRM OFFER OF CREDIT B ) INSURANCE C ) A COURT ORDER/ D ) EMPLOYMENT/ I RECENTLY PULLED A C OPY OF MY CREDIT REPORT AND NOTICED INQUIRES THAT I DID NOT AUTHORIZE AND DO NOT FIT A, B, C, OR D ABOVE ( EXPERIAN ) XXXX Source : Experian Date Submitted : XX/XX/XXXX Report Number : XXXX Account Number : XXXX Company : XXXX XXXX  This account was opened in XXXX. This account has since then been paid and closed. I reached out to XXXX XXXX  and asked for them to remove this item from my credit report. XXXX XXXX  agreed to do so, The lady I spoke with informed me that I just needed to call each credit bureur and repot the same statement to ( EXPERIAN, XXXX, XXXX ) I did just that and each agency then told me that I need something stating that XXXX XXXX  would remove the item. I Informed all three agencies again that XXXX XXXX  stated that there was nothing else to do but let all three agencies know to remove the account listed above due to the age of the account and it being in good standing. I have since then sent in XXXX rounds of dispute letters asking for ( EXPERIAN, XXXX, XXXX ) to contact XXXX XXXX  and get the approval for removal the account above directly. I also asked for them to send me proof of application for credit inquiries listed above there are inquiries reporting to ( EXPERIAN, XXXX, XXXX ) that are incorrect and there is no signature from me showing that I gave the businesses above permissible permission to pull my credit report. 

As I know that I a direct violation of the FTC/FCRA These same items have been reported to my Transition report
Product: Checking or savings account

I was not notified of copper services closing accounts until after they had already closed accounts, which left me unable to transfer my funding out of copper. Now, all transactions and accounts are frozen and I am unable to get my funds of {$1000.00}. 
I emailed them 9 times for a status update as to when I would get my money. They replied once saying they were aware of the issue and were working it. That was a week ago. I have since emailed them 3 times for an update and have gotten no response nor has the money been transferred to my XXXX account or a paper check been issued. They are essentially holding my funds hostage and this is unacceptable.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, in XXXX I purchased a one day shower install for {$14000.00}. with a choice of free 7 day cruise, or resort stay written on my contract. Momnt is the finance company, offering a deferred payment for 2 years. In XX/XX/XXXX for my birthday I made a decision to go with the resort stay because I travel to The XXXX. When I tried to contact the XXXX vendors I got no reply via ALL emails and ALL telephone numbers XXXX XXXX XXXX  XXXX is now disconnected. XXXX XXXX, will tell you they are the manufacturers of the materials for installation & has nothing to do with it. All the information I had about every single person in the XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX is now invalid! I made friends with the young man who was employed as a XXXX, so I called him. I was told the company XXXX XXXX XXXX XXXX is no longer in business and also has never paid him for his labor. I checked The XXXX XXXX XXXX website, I saw several complaints about the same companies including the same complaints as my story. I checked the secretary of state website, I saw that owner XXXX XXXX created XXXX XXXX XXXX  of XXXX accounts both now terminated? Control # XXXX & XXXX. Then there is the other company XXXX XXXX XXXX XX/XX/XXXX which is still current & active. On XXXX of the XXXX  complaints I saw a reply email from XXXX XXXX where he provided his personal cell, I dialed his number and he answered, saying he would call the corporate office to see if there can be a resolution. He never replied no one contacted me, I made a follow up call to him, phone number now disconnected. 

This is when I contacted the finance company moment via email to request a copy of the check made payable to whom, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX so that I may start a suit? They refused, told me to contact the vendor. My deferred payment plan ended XX/XX/XXXX I am waiting to be contacted by Momnt for payment, & end up in collections. I also requested to have my balance reduced minus the expense of the resort stay, but they refused, telling me it has nothing to do with them? 

So far this sounds like a civil matter right? NoT! The tale above is a XXXX, nicely tight system they have going and duping a lot of people out of a lot of money, I will not stop writing XXXX until there is a resolution, this is a crime. Now the same XXXX XXXX of XXXX website has the same business back up, same address, a new phone number, new staff. So you know I clicked & said I am interested in a new shower install right? Someone called me back stating they have the same website but they are a different company? DEAD END, COMPLETE CIRCLE! HELP? 
You can reach out to everyone, create a class action suit or something. I also complained to my XXXX Attorney General 's office, case # XXXX
Product: Credit reporting or other personal consumer reports

Follow-Up Dispute Verification - Failure to Comply with FCRA and this is the proof than show the violation Totally all law written to FCRA Section 611, FCDRA AND TILA, DELETE INMEDIATLY THE FOLLOWING ACCOUNT : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX ) I am writing to formally THIS COMPLAINT the accuracy of information PERSIST IN THE ACCOUNT AND THE bureau has verified on my credit report regarding the following account : XXXX XXXX XXXX  XXXX Account Number : XXXX ) While I appreciate your response indicating that the information has been verified, I believe there are still significant inaccuracies that require further investigation. 
Specifically, In reviewing the information provided, there are inconsistencies among the three credit bureaus regarding the reported balance, date of last activity, closed date, payment status and last payment. Furthermore, there are discrepancies in the reported payment history, which inaccurately reflects my payment behavior. 
incorrect balance, wrong account status, or erroneous payment history ]. 
Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 16811 ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer & # 39 ; s dispute. Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights As per the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccuracies in my credit report. I request that you conduct a more thorough investigation into this matter, particularly considering the following points : 1. Inconsistencies : There are discrepancies among the three credit bureaus regarding this account.

2. Verification Issues : According to Section 609 ( a ) ( 1 ) ( A ) of the FCRA, you are required to verify accounts through original documentation. I request that you provide the supporting documentation you relied upon to verify this account.

3. Consumer Rights : Under Section 611 of the FCRA, if you can not provide adequate documentation to support the validity of this account, you must remove it from my credit report. 
4. Accuracy Compliance : Additionally, under 15 U.S. Code 1681e ( b ), you are required to follow reasonable procedures to ensure maximum possible accuracy of the information in my credit report. If the information can not be verified, per 15 U.S. Code 1681i ( a ) ( 5 ), I request that you delete any unverifiable information.

I believe 100 % AND THE PROOF IS ATTTACH TO THIS COMPLAINT THAN the bureau has failed to comply with the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) in their investigation process.
Product: Credit reporting, credit repair services, or other personal consumer reports

Beginning Winter of XXXX after requesting my consumer report- I started a dispute THROUGH EXPERIAN for XXXX XXXX XXXX about INACCURATE information on my credit. This information was disputed through the other credit bureaus and was removed due to INACCURACIES and failure to provide proper proof from the creditor. I submitted written letters ( in which I have copies ) that have stated THIS IS NOT MY DEBT. EXPERIAN claims to have done investigations ( which I counted to Dispute for almost a year ) ; this is false. I have requested for proof XXXX, XXXX, XXXX, XXXX Each month multiple times ( written form ). Just recently, XX/XX/XXXX, I came across an email for from the company in which I allegedly have a debt with ; with a EXTREME DIFFERENCE of what was reported which is still inaccurate. This LETTER IS FROM THE COMPANY AND READS FINAL BALANCE. I have done the work for EXPERIAN. I submitted proof that could have been validated FROM THE EMAILS and signatures attached ( including contact info ). EXPERIAN wont allow me to dispute this!!! They will not investigate and have not investigated. I provided documentation to support my argument and XXXX XXXX XXXX HAVE NOT.
Product: Credit card or prepaid card

I have a chase freedom visa card which I paid off on XX/XX/2019 This was 2 days too late for them so I was charged a late fee. Since I paid off the entire balance and made no more charges I did not access my statement. Since I did not access my statement I was charged another late fee on top of the late fee. They took off the first late fee but not the second so I owe {$27.00}.
Product: Checking or savings account

There was a fraud act against my account on XX/XX/XXXX and XX/XX/XXXX I made the compliant when I seen the charges on XX/XX/XXXX the bank Wisely investigated the fraud and credited my account back for the small charges made in the total of XXXX on XX/XX/XXXX. The same day that I seen the charges for XXXX I received a call from the bank representative saying they needed to verify my account to process the credit. They then told me they had to make sure I was the account holder and said they would send me a code on my phone and I needed to give them the code to verify my identity. They sent me the text and I gave them the number. Within a few minutes they had cleaned out my account in the amount of XXXX. I then return to the dispute resolution center and filed a claim for the amount of XXXX. The account was locked and I receive a letter from ADP Compliance Solutions on XXXX XXXX saying the XXXX would be credited back to my account. I then called fraud protection again and ask them why this kept happening and they told me they would close out my account and open a new one I would get another card and was not to use the old one. It took I think 10 days to get the new card and I started to use my account again because they was where my payroll check went. I XX/XX/XXXX I tried to transfer XXXX to my chase account which I had setup as a default and after not seeing the money show up in my account I looked and my default account had been linked to another account and the bank had transferred this fraud account over with the new account they opened. I called and they gave me the runaround for weeks and finally I asked why I didn't get a provision credit I needed my money and they said I didn't ask for me I told them no one told me to request it and they said yes send it today in writing so I did and they said it was to late to make the request that I need to wait 30 days XX/XX/XXXX for final investigation to be finish. I called on XX/XX/XXXX and asked for results and they said a letter was sent to me and they could not give me results over the phone. I waited until XX/XX/XXXX to find that they mail me a letter on XX/XX/XXXX saying they found no fraud activity. I am sending a request today to ask for supporting documents I could not get them to release my online access until XX/XX/XXXX to see the fraud transfer is still there. I am send a request for details on investigation today XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2018 at around XXXX eastern us time. I made a deal with a online friend to buy some goods from him. The deal was I give him XXXX USD and he would give me a total of 27 items for a game called XXXX XXXX. After the money was sent, he blocked my profile and the console and block my profile on XXXX where the deal was initially made. I have the conversation saved still. I emailed him and asked him to return my money but he has not responded.
Product: Credit card

Barclays refuses to close my credit card account ending in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraudulent loan on my credit and have contacted both XXXX XXXX and Experian about this issue and Experian has allowed it to stay on my credit, the fraudulent loan is under loan by phone which I have not done.