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

This purchase took place on XX/XX/XXXX at XXXX XXXX  XXXX. I was told by the clerk, XXXX, that the company was involved with a sleep study funded by a federal grant. I was told that if I agreed to participate in the sleep study I could get my mattress purchase significantly discounted, so I agreed. I was charged {$300.00}, paid with my debit card, and had a queen size mattress, box spring, and frame delivered the same day. I never signed anything stating that I would pay more than the {$300.00} I was charged. 

Months later I began receiving text messages from XXXX. Although I did not know what the company was or why they were contacting me I did not look into it any further. When the calls began I was completely flabbergasted because I never agreed to pay {$1900.00} for that mattress. 

I tried disputing the charge with XXXX  in XX/XX/XXXX. I sent in a copy of my receipt but was told that it was not valid because it was not signed. However, the attached credit terminal receipt states that there is no signature required. I tried to go directly to the merchant but since then XXXX XXXX  XXXX has closed permanently. After closing, the same location was called XXXX XXXX at one point, but is now closed as well. I tried emailing at the address printed on the business card, but the email could not be delivered because the address is not valid. 

The account was being collected by XXXX XXXX and I have tried to dispute the charges several times with all three credit bureaus. I received so-called proof that I owned the debt in the form of an electronic signature with only my initials in lower-case, " XXXX  ''.
Product: Debt collection

MIDLAND CREDIT MANAGEMENT INC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I didn't receive a notification of any kind. Since my divorce, I have filed a change of address card with every move and my phone number is unchanged for 15 years. Midland Credit management did not make a good faith effort in contacting me.
Product: Credit card or prepaid card

I cancelled my VISA credit card with Bank of America due to their incompetence. I was a cardholder since XXXX. My wife and I had our New Jersey XXXX XXXX   account attached to the VISA card and had made payments generally in full and on time for 29 years. We moved to a new address in XXXX and notified Bank of America of the address change prior to our relocation. Bank of America did not send a bill to the new address after the move. XXXX XXXX notified us on XX/XX/XXXX that our credit card had been declined. I contacted Bank of America on the same day and they indicated that they had entered the new address information incorrectly. We received no bills for payment from them since the last payment was made in full on XX/XX/XXXX. The amount of our payment was {$70.00}. Bank of America indicated that our bill was past due in the amount of {$260.00}. I asked how much of that amount was late fees. They stated there were 2 late fees of {$25.00} and {$38.00}. I asked if the late fees would be waived due to their error. They agreed. The past due was reduced to {$200.00}. I asked them to reinstate our account immediately and they insisted on a payment of {$53.00} within 24 to 48 hours. I told them that we paid all of our bills for 29 years. They said that we needed to make a minimum payment of {$25.00} within 24 to 48 hours and requested our checking account # and routing #. I told them that I could restore my XXXX XXXX account immediately with a new and different credit card ( XXXX Master Card. ) I did so.
Product: Checking or savings account

On XX/XX/year> I received a text from what I believed was my bank called Chime that a purchase has been attempted and that I needed to decline or approve since I didnt make any recent transactions I deny the claim and then quickly got a text message saying that a representative will call me. A a representative from Chime called which now I learned was fraud and impersonating a Chime member they were able to pull money for my account under a scam attempt. After they drained my account the call was disconnected. After contacting chime I learned this was fraud and had to dispute the transaction. I am hoping that chime will approve my dispute, but after reading online that many are often denied I am hoping that this is not the case.
Product: Checking or savings account

In XX/XX/2018, i received a promotional mailer from BBVA offering me a {$50.00} bonus for making 3 bill pay transactions by XX/XX/2018. The offer states that the {$50.00} bonus will be deposited to the checking account WITHIN 90 days of meeting the requirement. So I completed the bill pay requirements by XX/XX/2018. On XX/XX/2018 when i didn't receive the bonus I sent them an inquiry through their online secured meassage center asking for the status update. They replied stating i should wait till early XX/XX/XXXX when 90day has passed from XX/XX/XXXX, and that if i still don't receive then contact them back. So on XX/XX/XXXX of this year when i still didn't receive the bonus i secure messaged them back again, and this time they replied with apology and told me to call their customer service number to escalate the issue. I called their customer service number, after 45 minutes of waiting for a live person i finally got to a live person, but she was rude and unprofessional. She disconnected the phone before i finish my sentence. So i had to go back to their online secured message center again for help. 
But no responses to my message. Meanwhile, the {$50.00} that they promised still has not posted to my account.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Bankruptcy Reference XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXXXXXXXXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act DEPT. OF EDXXXX Account # XXXX, has violated my rights. ( There are 12 of DEPT. OF ED/XXXX STUDENT LOAN ACCOUNT WITH THE ACCOUNT # BEGINNING WITH # XXXX. I AM NOT WORRIED ABOUT THE 12 ACCOUNTS I AM CONCERNED WITH THE REPORTED LATE PAYMENT. I only have a problem with the reported late payment for all 12 of the student loan accounts. I would like to keep the 12 student loan accounts on my reports just remove all of the late payment reports. ) 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Experian over a month ago, didnt hear anything back, so i sent a 2nd letter asking them to remove the wrong accounts. I thought the credit bureaus had 30 days to respond? It's been over a month, Ive sent 2 letters and i have not heard anything back from them!
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied in my account. These fees were assessed despite having sufficient funds available at the time the transaction were authorized. However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 
This issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Credit reporting or other personal consumer reports

Kohls/Capital One Account:XXXX Violations of Privacy and Opt-Out Rights [ 15 U.S. Code 6802 ] : I am asserting that Kohls/Capital One failed to conspicuously disclose, in writing or electronically, the disclosure of nonpublic personal information to nonaffiliated third parties or credit reporting agencies. Furthermore, I was denied the due process and opportunity to opt out, a violation of Section 6802 of the U.S. Code. Gramm-Leach-Bliley Act ( GLBA ) 15 USC 6802. - Obligations with respect to the disclosures of personal information. 15 USC 6802b - Opt out. A financial Institution may not disclose non-public personal information to a non-affiliated 3rd party, unless Under this law, the consumer must get 3 disclosures before that information can be exchanged, and the consumer must agree to it. Breakdown the unless portion- Disclosure A - Such financial institutions clearly and conspicuously disclose it to the consumer in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this data that such information may be disclosed to such 3rd party. ( I was not provided with this disclosure, nor was I given an opportunity to authorize or decline. ) Disclosure B - The consumer is given the opportunity before the time that such information is initially disclosed to direct that such information not be disclosed to such 3rd party. ( I was not provided with this disclosure, nor was I given an opportunity to authorize or decline. ) Disclosure C - The consumer is given an explanation of how the consumer can exercise that non-disclosure option of how the consumer can exercise that non-disclosure option. ( I was not provided with this disclosure, nor was I given an opportunity to authorize or decline. ) Kohls/Capital One is reporting on XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I saw they had XXXX different names on my report, with different spellings. They have XXXX different addresses ; some I've never lived. They have XXXX different employers on my report. They still have my ex-husband listed on my account, ( I been divorced since XXXX ) and XXXX different telephone numbers. I sent a letter to them with instructions and proof of information showing my current address, name and phone number. I informed the CRA 's of my current employment. The letter was sent on XX/XX/XXXX, CRA 's still have not cleaned up my credit report. After sending a second letter to one of the CRA 's providing them additional information that they requested, I sent the information, and I received a second letter asking for the same information all over again for the third time. I need all the inaccurate information removed off my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX tu and XXXX still turns me down what do they need a perfect score cra violation for reason and hippa transunion has XXXX up my report totally this need to be corrected right away
Product: Credit card or prepaid card

I received a digital prepaid VISA card with a loaded amount of {$50.00} on XX/XX/2021 through a site called prepaiddigitalsolutions.com. When I attempted to use the balance of the card ( {$23.00} ) the other day, payment would not go through. After going back to the site to inquire about the account details, a message popped up stating " the card you are attempting to access has expired and pass the eligibility period for access or replacement. '' I contacted support and was advised that the card is no longer eligible to replace, however there was still an unused balance that was left on the card. I believe the money has been stolen from me without my consent.
Product: Payday loan, title loan, or personal loan

Did not realize the amount of the interest or amount not being applied to my loan. I needed this loan to take care of family matters. I would have never done it knowing what would happen. I have already pay  XXXX  and I only owed  XXXX  it is almost double on the loan amount. Loan shark. Date was taking out on  XXXX / XXXX / XXXX  not to be payoff til  XXXX / XXXX / XXXX . can not make extra payments. Wife just got a new job no income but mine right now til she gets her paychecks coming in regular basics. Id number of the contract is  XXXX
Product: Credit reporting or other personal consumer reports

I have previously disputed XXXX  XXXX through CFPB Account # XXXX for not reporting on my credit reports as an ( Authorized User ) on Acct # XXXX. XXXX XXXX responded back stating that they have requested Equifax and XXXX to report the account in which they have done BUT STILL ISN'T REPORTING THE CREDIT AGE OF XXXX. I have the right to have the age reported by law in which I am intitled under the FCRA ACT.. 
Equifax XXXX XXXX are " ONLY '' reporting my XXXX XXXX Account & credit age of XXXX. 
XXXX isn't reporting the account AT ALL.. Which was disputed THROUGH AGAIN CFPB # XXXX to add acct # XXXX to my credit report but instead of adding the account it was DELETED during the dispute WHY?. 
XXXX XXXX sent back a letter ON XXXX XXXX stating that they asked XXXX to add my account back as a Authorize User on my credit report which XXXX stated that I was ineligible & refused. 
XXXX XXXX stated that I needed also for the primary card holder to contact them about the account add in which my son XXXX XXXX did and upgraded my permissions. XXXX XXXX stated as well that I would have to contact XXXX and update them on what's going on. 
I then called XXXX about the decision that they stated to XXXX XXXX I spoke with XXXX from the dispute department, reading to her the notification email in which I received from XXXX XXXX about the account add. XXXX stated that the complaint would be expedited to their maintenance department for reinstatement because I never disputed for a removal if you read the dispute. I ONLY asked for an update. I spoke with XXXX on XX/XX/24 she said it will take 3 days for the maintenance department to contact me back on this matter for reinstatement.
Product: Debt collection

I have an outstanding debt with XXXX for {$120.00}. This is incorrect and they told me I was given XXXX cable boxes initially, but I was only given XXXX. I did not pay this as it was not something I truly owed. Since that time this debt has gone through XXXX separate companies. It is currently with Diversified Consultant. They have called my partner and asked for me. They are calling me multiple times per day. Always from a different number with an XXXX area code. They have called from XXXX, XXXX, XXXX, etc. I have not answered these calls as they are typically during business hours. I am a physician and these calls occur as I'm seeing patients and are very disruptive.
Product: Vehicle loan or lease

I HAVE CONTACTED House of Finance Corp and tried to work out a fair settlement they will not give me a the correct amount due they continue to charge interest on a charge off account and they sold the vehicle for a higher amount that they are reporting
Product: Credit card or prepaid card

I contacted Chase customer service on XX/XX/XXXX regarding an issue with my first billing statement cycle because I was approved for my credit card on XX/XX/XXXX and Chase closed my statement cycle on XX/XX/XXXX, which is only 26 days, where as it should have been 28 days, per Chase 's standard operating procedure. The Supervisor I spoke to XXXX at the XXXX XXXX, TX location understood my issue but said there was nothing she could do and it would have to be handled by the back-office. She asked if I'd like a call back from the back-office or a letter of their determination, I requested a call-back and she said I would be receiving a call within 7 calendar days. I called back on XX/XX/XXXX and requested a supervisor and an update on my back-office support, I spoke to XXXX again from the XXXX XXXX XXXX TX center and she said they sent a letter of their determination and apologized they did not call as it was noted in my account. The ref # was XXXX for the back-office issue. XXXX said she could not see the letter but said it was noted that it was clear in my term and conditions of my card of when the statement cycle would close and details of that was mailed to me. The letter I received stated nothing about the terms and conditions, and it referenced a different credit card and said my XXXX XXXX night was issued in XX/XX/XXXX. My XXXX card has a different XXXX last numbers, so they looked at the wrong account. This is specifically why I asked to have them call me because every occasion I call they do not understand the basis of my complaint. This is just a tactic of Chase not wanting to resolve or even work with a loyal customer.
Product: Credit card or prepaid card

open XX/XX/XXXX. 
my last payment was in XX/XX/XXXX. 
balance XXXX help me to take this out of my credit I can't pay this credit card because of Covid19 I don't have a job and I have kids to support pls help i have been making payments to city furniture but i can't pay anymore I don't have enough for my monthly basis COVID19 LEFT ME UNEMPLOYED
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX XXXXXXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. It proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit reporting or other personal consumer reports

I a a victim of the Equifax Data Breach and would like accounts mentioned to be blocked and deleted pursuant to 15 USC 1681c-2 ( a ). I have contacted the bureaus multiple times within the last six months via Certified mail with all the required information to remove these accounts. I will include uploads of the documents.
Product: Debt collection

I asked them for a verification and validation of the debt, I asked them if they had a license to collect in Florida, I asked them to stop calling, they keep calling, they call even late at night ( XXXX ) and they tried to contact my mother who did not It has nothing to do with it. They have not respected any of this and they responded to me with a paper that says that they bought the debt and they do not explain or verify it, much less respond with what was requested in the letter I sent them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed fraudulent derogatory items and inquiries multiple times but they are still reporting on my credit file. I have sent in a copy of my identity theft report along with copies of my police report, ID, and SSN. I am a single mom of three and trying to purchase our first home but the fraudulent items are hindering me from being approved.
Product: Credit card or prepaid card

Equifax team, I am a victim of identity theft Please remove and block the fraudulent account XXXX/XXXX  XXXX per section XXXX of the FCRA. Dispute confirmation number is : XXXX.
Product: Mortgage

There are XXXX closed mortgage loans that are inaccurately reporting 30 day lates. According to the notes, payments were made within 30 days of due date. I 'm having difficulties reaching them by the phone number on credit report to an attempt correction. The XXXX creditors are as follows : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite repeatedly providing my identification, social security number, address and name, the consumer reporting agency refuses to provide me with a copy of the report. I am entitled to the report because I was : ( 1 ) Denied a bank account based on the report ; and ( 2 ) Requested only a single report in a 12 month period.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I see a few inquires on my account that I did not consent to. XXXX XXXX. XXXX XXXX, Universal Credit Service. I called to try to get these items removed and after staying on hold for more than 45 minutes, all the companies did was be rude and give me the run around. The inquires should be removed from my account.