23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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 Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 have no involvement with these inquiries or the creditors listed.
Product: Checking or savings account

Wells Fargo closed my account due to fraud but Im never do nothing fraudulent Im use the account for direct deposit
Product: Credit card or prepaid card

I noticed on my statement charges from a store called XXXX XXXX. I did not make these charges and disputed them with Citi whom I have been a customer with them for years and I have my own account and I have also been a AU on another Citi card which I make all the payments for. Citi denied my claim because The card was not stolen for good. However the card was stolen to be used by someone and then placed back in my belongings. I can not tell you who stole my card and used it because I work for XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am a XXXX and XXXX XXXX XXXXs as well as in XXXX XXXX XXXX XXXX and then XXXX XXXX. It is a really high pace agency and Many people going in and out. We also do not have cameras set up in every room. I honestly do not know who my card was taken and used but I know that I did not make these charges. I do very well to keep my credit in good standing and make my payments. I pay for what I use. Citi said I was lying and denied any help. I can not release my Clients name nor can I accuse any of them. I have to learn not to be so trusting but we are trying to help rebuild these children. I have now since changed my way of bringing my personal property into agency but I would like to think they company I trust to have credit with would back up what they say they stand for before you sign the credit agreement. I would hope they would trust me and have my back especially since I feel I am a good customer. I would like for these charges for XXXX XXXX to be removed so I Can pay off the balance. My home was destroyed in Hurricane Florence and I have a lot of rebuilding to do and financially I am hurting and do not have money to just throw away. I can not stay with a company that will not have my back and I can not sit back and keep quiet about the lack of compassion or help. I do not want to have to close my card but I will and take my money somewhere else.
Product: Credit reporting or other personal consumer reports

I am disputing the reporting of a derogatory account by XXXX on my credit report. The account details are as follows : The account was opened on XXXX, with a credit limit of {$4000.00}. 
The last payment was made on XXXX, and the account was closed on XXXX with a {$0.00} balance. 
The account was reported as derogatory on XXXX, but the balance was paid off, and the account was closed. 
The Worst Status is reported as Unknown, which is unclear and does not reflect the accounts true status. 

I have not received any notice or explanation as to why this account is being reported as derogatory or why the status is listed as Unknown. I am seeking clarification on these points and a resolution to correct the inaccuracies in my credit report. 

Under the Fair Debt Collection Practices Act ( FDCPA ), a debt collector is prohibited from communicating with a consumer after the consumer disputes the debt, except to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor. 15 U.S.C. 1692c ( c ) ( 2 ).
Product: Credit card

I asked Comenity Bank XXXX XXXX XXXX XXXX for an explanation as to why when I paid the entire balance in full every month was I also being assessed interest fees. They said because the 12 month interest free account had rolling dates that required different payment dates which was shown in a separate section of the bill in small detail. However, when you add those amounts up- which I did every month- they added up to the full interest free amount I paid by the due date. In the fine print in a separate section of the bill it says that amount had to be paid by XX/XX/23 which was a month PRIOR to receiving the statement. The bill closing was XX/XX/23 - after the date in fine print- and the bill due date to avoid any interest fees was XX/XX/23 which I honored. Then in XXXX I paid the entire remaining balance to {$0.00} before the due date and received a bill for {$41.00} for interest due. So, on those three months statements ( XXXX, XXXX, XXXX ) despite paying the full amount required to avoid interest in advance of the payment due date on the statement I was charged interest of {$72.00} ( XXXX ), {$61.00} ( XXXX ) and {$41.00} ( XXXX ) for a total of {$170.00}. I asked XXXX the Comenity Bank service rep to refund these charges since I had paid the amount needed to avoid interest in full each month prior to bill due date. She declined because the fine print in the separate section of the bill said I would have had to make those payments BEFORE I ever received the bill. How would I do that? I believe this interest fee practice is at best misleading and at worst fraudulent. I believe it is designed to take advantage of consumers who believe they have paid their bills in full ( to receive interest free credit as promoted ) in order for the bank to generate additional bank revenue when in fact there has been no added expense or purchases. My request is for a full refund of the {$170.00} since I paid my bills in full or ahead of time every month upon receipt of my statement.
Product: Credit card or prepaid card

On XX/XX/XXXX, I was online at the XXXX website intending to purchase XXXX DVDs of seasons of " XXXX XXXX XXXX XXXX XXXX ''. During the process, I received an onscreen message that I had become a member of " XXXX XXXX ''. From what I recall, I stopped the process and called XXXX and told them to cancel everything. I didn't want the order and I certainly didn't want to become a member of " XXXX XXXX ''. I was assurred the account was cancelled and the order was cancelled. I then got back online with XXXX and used one of my credit cards to purchase the disc. A couple of days later, the disc arrived by XXXX, and I waited to pay my credit card bill. I never saw such a charge on any of my credit cards. Then, THREE MONTHS LATER ( XX/XX/XXXX ) I received a statement from Synchrony Bank/XXXX  in the total amount of {$100.00}, consisting of a " previous balance '' of {$68.00}, " Fees Charged '' of {$35.00}, and " interest charges '' of {$1.00}. Meanwhile, during the three month period that had elapsed, I received nothing from Synchrony Bank/XXXX XXXX., no statements, no bills, no credit card, etc. Yet, three months after the transaction I cancelled, they want to bill me {$100.00}. This is a grossly unfair business practice and I'm not paying them XXXX cent. If they want their DVDs back, I'll send them if they pay the shipping cost. But, to send me a bill three months after the cancelled transaction won't work.
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 depression and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Credit card or prepaid card

hi this is about inquiry on my credit repot one is capital one onXXXX/2023 the other one is capital one also on XX/XX/2023 thank you
Product: Debt collection

These people keep calling and harassing me at all hours of the day and night. Very rude and unprofessional. 
I just block them now.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I made a transfer of {$1000.00} through Online Banking using my Chase account. Chase uses XXXX to transfer funds. On the day of the transfer, the recipient, who uses telephone number XXXX XXXX XXXX and is also a Chase customer, received a text message regarding the funds. This transfer had been successfully processed in the past to the same person. The next day the intended recipient advised me that the money was not in his account. The funds should have been immediately in the account since the transfer was already on file. After a few days of nonreceipt of funds, I initiated a claim with Chase and was provided with a provisional credit. On XXXX XXXX, my Chase account, to my surprise, was showing as overdrawn. Chase had debited the {$1000.00} and sent me a letter indicating that they had completed the research for the transaction reported on XX/XX/2019 and that the claim is now closed. That same day, I went to a Chase branch ( XXXX XXXX XXXX., XXXX XXXX, FL XXXX ) and was advised that there was nothing they could do for me since the transaction was completed through XXXX. The staff at the branch was not helpful at all. As a matter of fact, the Branch Manager kept looking at me as if I was lying. You don't know how frustrated I felt at the moment, not knowing what to do. No one was providing solutions nor suggestions. It seemed like everyone was so careless. I spent the entire night trying to contact someone higher than a representative at XXXX but they told me they couldnt assist me. I ask them to connect me to their Claims Department. They indicated to me that they didnt have one. The only thing that I know is that the funds were sent to an account holder at XXXX who has the same number as the intended recipient at Chase and no one seems to know how that happened. The intended recipient has not changed his cellular number and in the past, the same transaction was completed successfully. I need someone to assist me and/or guide me in the right directions and what actions, if any, I need to take. It appears to me that Chase nor XXXX are taking any responsibility on this matter, in accordance with the terms and conditions.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I noticed a collection item is still listed on my report although the collection company previously stated in a previous investigation with CFPB that the original creditor asked them to place the account on holding pending a financial review of the account. 
1 ) the collection company XXXX XXXX continues to report the debt as outstanding and continues to report to the bureau as late and outstanding
Product: Credit reporting or other personal consumer reports

They are updating account names on my credit report which results in my XXXX XXXX dropping and they are not updating the status or removing the older accounts. This has occurred several times since the beginning of XX/XX/year>. THE update indicate that it will not affect my credit at all but it changed between XXXX points due to the changes. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Wells Fargo unlawful repossessed my vehicle from private gated community. I reached out to Wells Fargo in order to straighten the loan and laws. They never responded in a timely manner and continue to harass me. I had to pay to XXXX to get my car out the impound. They illegally repossessed my vehicle. I purchased the car in 2020 and was not familiar with how Wells Fargo handled the contract. I signed under duress. I sent Wells Fargo a right of rescission letter amongst others. Wells Fargo has reported to agencies that I have late payments and it is tarnishing my reputation.
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 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. 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: Debt collection

This company violated my privacy per HIPAA regulations. They provided me a copy of a bill that contains the medical procedures I may have had. I did not authorize any of my medical providers to disclose any of my personal or medical information with a third party or collection agency. My medical information is no longer undisclosed. I have filed a HIPAA complaint with the U.S. Department of Health and Human Services Office for Civil Rights Complaint Portal : Health Information Privacy. I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt
collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to : For the purpose of validation provide me with : The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate.
Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files.
I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ).
Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ) Regards
Product: Debt collection

XXXX XXXX XXXX XXXX. He is trying to collect money from me with fake medical bills. He hired the company " INDEPENDENT RECOVERY RES '' to collect this money. On my credit report, this debt is listed in " collection '' with a balance of {$33000.00}. First, I have never received medical treatment from this doctor ; XXXX XXXX XXXX. I have never been in his office. I don't know him and I don't know who he is. Second, I have never received a bill from this doctor at my primary address. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX my auto insurance paid all my medical bills to the XXXX  where I was admitted for an XXXX In addition, I also have health insurance to cover my medical bills. I appreciate that the pertinent actions are taken to denounce before the law and sue this doctor XXXX XXXX XXXX that he intends to defraud. My credit score tanked by having this account in collection. Please I need your help to solve all this.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX i traded in a dodge nitro to hyundia of XXXX XXXX XXXX XXXX XXXX ohio XXXX. Two months later XXXX XXXX reported to the credit agencies. that XXXX XXXX was a repo. did not find this out until XXXX which then i contacted XXXX XXXX by phone. talked to XXXX different people which i got no help and there were very rude. so i didnt like my results i contacted gm online. after about 10 messages XXXX apologized found the error and stated that XXXX the virtual assisant would fix it. sent my documents to cxo resolution document XXXX XXXX XXXX also sent an email to XXXX. i have saved the XXXX XXXX conversation. since then i have contacted experian every month. doing a dispute. Experian gives me every excuess why i cant upload my proof. first i used my iphone used screen shots website wouldnt support it. so tried pdf which website states that the preferred method. tried pdf website still kept saying would not except. meanwhile every time i did a dispute it would come back worse then it did before ....
Product: Mortgage

I am writing because I received a letter from Chase Bank XXXX XXXX to tell me that my mortgage loan will be transferred to XXXX inc on XXXX XXXX. Since then I have spoken to several Chase rep about my loan being transferred and why am I finding out so late but their only answer is that they can transfer the loan at anytime. I called Chase today to get a pay-off quote from them and was told by a Chase rep that my loan was transferred yesterday and the case was closed yesterday and that they were trying to get in contact with me. If they were trying to get in contact with me, how come i have no messages from them and how come they did n't tell me what they were trying to inform since I have spoken to them more than XXXX times in two days. I received a letter yesterday dated XXXX XXXX telling me to call and that they have been trying to get in touch with me. It is not true because I spoke to Chase several times last week and this week asking them questions about my loan. I have spoken to a rep by the name of XXXX XXXX before my loan was transferred. Now when I ask about the pay off quote, all of a sudden, they can not tell me. XXXX rep told me today that my loan was transferred and closed yesterday XXXX XXXX and then when I called back to speak to an escalation agent and she said that my loan was transferred on XXXX XXXX and they would n't have been able to give me any information. Someone is lying. I spoke to several Chase representative since I received the letter in XXXX and have spoken to several Chase rep this week XXXX XXXX and XXXX to get information about my loan and they transferred me to XXXX who says they can not give me any info until XXXX XXXX because Chase has n't transferred all my information yet. My apt is being sold and my closing is on XXXX XXXX and I have a right to know what my pay off quote from Chase is. 

Chase has lied to me so many times, first they said they were n't the XXXX to transfer the loan and it is XXXX, and I should call them, then they said that they transfer a whole bunch of loan at the same time and that they have no control over the loan being transferred. I have the right to have all the information needed about my loan whether or not the case is closed.
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 XXXX US DEPT ED XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX US DEPT ED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Mortgage

During the last month, I called Round Point Mortgage Company 3 times a few days apart. They refuse to tell me the payment amount ( which should be around XXXX XXXX dollars. What process do they want to use to pay it off? Every time I call them, they say they will email me the payoff with instructions, but they do not. They apply the money I send them to the escrow.