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

Account Details : Creditor Name : XXXX XXXX XXXX Account XXXX : XXXX Original Balance : {$12000.00} Current Balance : {$4500.00} ( as of XX/XX/XXXX ) Date Opened : XX/XX/XXXX Status : Charged off / Never Late/ {$10000.00} written off / {$4500.00} past due Dispute Issues : Contradictory Status Reporting The account is marked as Charged Off/Never Late. This is contradictory, as an account can not be charged off while being reported as never late. Charged-off accounts should also reflect a {$0.00} past due balance per Metro 2 compliance guidelines. 
Inaccurate Past-Due Balance The account lists a past-due balance of {$4500.00} despite being reported as charged off. Per industry standards, charged-off accounts must not show past-due balances, and the reporting in this case is misleading and non-compliant. 
Deficiency Balance Calculation The balance remaining after the auction is questionable. I request a breakdown of how the deficiency was calculated, including the auction price, repossession fees, and any other charges applied. Without this breakdown, the accuracy of the balance can not be verified. 
Auction Compliance Was the vehicle sold in a commercially reasonable manner as required by law? I request proof of the auction details, including the final sale price, date, and efforts to achieve a fair market value. 
Notification Requirements I did not receive proper notice of the repossession or auction, which may violate my rights under federal and state laws. Please provide copies of all notices sent prior to the repossession and sale.

Metro 2 Data Integrity I request verification and correction of the following Metro 2 data fields to ensure compliance : Account Status : Is the account being accurately reported as charged off, with no past-due balance? 
Date of XXXX XXXX ( XXXX ) : Verify that this date is correct and accurately reported. 
Payment Rating : Is the current rating compliant with XXXX XXXX standards?
Product: Money transfer, virtual currency, or money service

I ordered a XXXX using my PayPal account. It was supposed to stretch my back. Instead, an order from XXXX arrived with a cheap piece of plastic that collapsed when I put my back on it. After trying to resolve the issue with the merchant, who did not provide a sufficient response, I turned to PayPal to dispute the charge, which I should be allowed to do for merchandise that was not received as advertised ( AKA a back stretcher that didn't collapse ). PayPal responded that for the {$34.00} purchase, they would require me to ship the item back to THE XXXX AT MY OWN COST, likely costing substantially more than the {$34.00} I paid for the item. This is unacceptable. PayPal advertises that it protects consumers but this is not protecting us. The case ID with PayPal is # XXXX.
Product: Debt collection

My wife left me a XXXX  of months ago. I recently started getting notices from debt collectors for debt that I didn't create. My wife apparently took out several credit cards and loans out in my name before she left me, and currently has me {$30000.00} in debt. I froze my credit, filed fraud claims through the 3 major credit bureaus, contacted the local police department and prosecuting attorneys office, but they told me that since we are still legall married that I can't file a complaint for identity theft or fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey CFPB, please forward this to Wells Fargo Dealer Services.
Product: Credit card

XXXX XXXX ACCOUNT NUMBER XXXX DATE OPENED XXXX
Product: Credit reporting or other personal consumer reports

I noticed an inquiry listed from credit report and I have no recollection of authorizing or initiating this inquiry, and therefore, I believe it to be unauthorized.
Product: Debt collection

To Whom it may concern : I have been a victim of Identify theft with a creditor name XXXX. In XXXX of XXXX I was informed by my mortgage company there was a file listed in the XXXX XXXX XXXX XXXX  for a Judgement against me for {$5400.00}. I was not aware of the Judgement against me was never inform as not even a letter sent to me. I was informed to contact The Bureau Investment Group to find out there was a credit card in my name for {$3000.00} dollars first of all I do not use my maiden name the credit card account supposed to have been open back in XX/XX/XXXX according to The Bureau Investment group I had no idea of a credit card in my name for {$3000.00}. I never had a credit card for that much in my name ever I don't go around opening up credit cards. On XX/XX/XXXX I talked to a XXXX XXXX from The Bureau Investment Group I asked did he have any information far as a copy of the credit card application showing my signature he responded no I explained to him that I been a victim of identify theft he told me he will send me an form affidavit of forgery along with a copy of the court Judgement. I have received the affidavit form and I returned it back to The Bureau of Investment for Investigation. In XX/XX/XXXX I had contacted the Bureau Investment to see if they had received my Affidavit forgery form back and I spoke to a XXXX XXXX she said they had received it along with a police report notarized and all. I asked XXXX XXXX do they have any application showing my signature to this credit card fraudulent application she reply no also XXXX XXXX told me to call back because The Bureau Investment will disclose the account because it has been to long over 20 years. I called back in XX/XX/XXXX to get some information on the investigation due to the pandemic no one in the office. I called again back in XX/XX/XXXX spoke to a XXXX XXXX he started to disrespect me on the phone and accuse me of the credit card account that I have been a victim of identify theft he never mention to me about the investigation that The Bureau of Investment was supposed to do on the account. The Bureau Investment Group was giving me a bunch of run around no investigation done on the account. I will not be responsible for a Identify theft that happen to me and I showed all my credentials to this company XXXX prove to them that I have been a victim they are trying to get me to pay back money to a company I have no knowledge of. I'm starting to believe this company is a fraud The Bureau of Investment I haven't heard anything from them. Please help I would like to have this case close with the XXXX XXXX XXXX XXXX to close out this fraudulent account.
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX XXXX ] HIGHEST BALANCE {$810.00} Original Lender XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ___________________________________________________________________________ [ XXXX XXXX XXXX XXXX ] Highest Balance {$130.00} Original Lender XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ____________________________________________________________________________ [ XXXX XXXX XXXX  ] Other {$760.00} Original Lender XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ______________________________________________________________________________ I request that you provide me with validation of this debt as mandated by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Additionally, I want to bring to your attention potential violations of the Health Insurance Portability and Accountability Act ( HIPAA ). Medical collections are subject to strict privacy regulations, and I believe that this collection may have been reported in violation of my rights under HIPAA.

As required by law, you must provide me with the following : Proof of Debt : I demand a complete validation of this alleged debt, including a copy of the original contract or agreement that shows I am legally obligated to pay this amount.

Account History : Provide a detailed account history, including all payments made and any documentation that substantiates the validity of this claim.

Creditor Information : Identify the original creditor and provide their contact information.

HIPAA Compliance : Explain how you obtained my medical information and confirm that my rights under HIPAA have been upheld in this reporting.

You have 30 days from the receipt of this letter to respond with the requested documentation. If you fail to provide this validation within that timeframe, I expect the immediate removal of this collection account from my credit report, as it will be considered unverified.

Please be aware that any further reporting of this collection without proper validation, or any disclosure of my medical information in violation of HIPAA, will be seen as a violation of my rights and may result in legal action.

I expect your prompt attention to this matter. All correspondence should be sent to my address listed above.
Product: Credit reporting or other personal consumer reports

I reviewed a copy of my credit report and noticed fraudulent credit inquiries on my profile. I have been a victim of identity theft and my information has been exposed. Please remove these inquiries related to fraud. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Debt not mine. Someone had opened an account in my name. Please have this debt collector remove from my XXXX and XXXX reports : PORTFOLIO RC COLLECTION/CHARGEOFF Other {$910.00} Status Date Reported XX/XX/XXXX Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported Account Details Original Lender XXXX XXXX XXXX XXXX  Account Number *********XXXX Account Type Not Reported Responsibility Individual Credit Limit Not Reported Highest Balance {$910.00} Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info XXXX XXXX XXXX XXXX XXXX XXXX , VA XXXX ( XXXX ) XXXX-XXXX
Product: Debt collection

To whom it may concern, I have the same name as my XXXX and he did identity theft with my social security number. I filed a police report and sent the right documentation to the credit bureaus and Captial One sent me bills. I need this off my credit report because my personal banker states that it is showing as a negative item on my credit report and this is preventing me from obtaining a job and credit within my credit union. 

Thank you, XXXX XXXX
Product: Checking or savings account

My account was being used for unauthorized transactions online. I called and canceled my debit cards. Hours later multiple attempts to withdraw {$11000.00} was attempted and declined on the compromised account. I received a call from Chase JPMorgan saying my account was being hacked. I opened my account on my mobile device and seen that these attempts were being made. I began transferring all my funds to my spouses account. While still on the phone, I called Chase direct from another phone and the XXXX speak to each other over the speaker phone. Chase told me he was a fraudster and to hang up. The fraudster was able to make a {$7100.00} transfer to his account at a XXXX XXXX. Chase issued a recall and then denied my claim days later saying in a letter Mailed to my home that I was either beneficiary or the authorizer of the funds, taking XXXX accountability for allowing this to happen on an already red flagged account. Nothing should have left my account after all this activity was going on and my history shows NEVER having used, transferred anything to a XXXX XXXX or transfers in such large amounts had never been made from my account. After 31 years of banking with Chase I felt so alone and exposed to this world of hackers. I was afraid to make the most basic of transactions and the trauma got so bad I had to move all my funds to another bank fearing that the rest of what was left of my life savings would too be taken. Calls and emails unauthorized online purchases are still being sent to me daily on that compromised account. Chases fraud department was quick to complete what they said would be a XXXX investigation in under a week. I appealed the decision Chase declined it again based on the fact that at the time the hacker had gained control over my account, my facial recognition was present. I'm getting alerts and phone calls from Chase saying my account is being hacked, of course I'm going to go on my device and check. That it was they based their decision on. Even in real time with the criminals on the other end, Chase couldn't secure my account. They made away with {$7100.00}. Chase did nothing to stop it. They labeled me in the same category as the criminal, the beneficiary. My credit was effected, my home mortgage is in jeopardy and this will take years to recover from. I took what was left of my life savings to another bank. Purchases from XXXX for TV 's, Laptops, are sent to me daily from Chases red flag department but they allowed thousands without a single warning.
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 And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than XXXX days to complete my investigation.
Product: Credit card or prepaid card

Hello, On XX/XX/19 I ordered a sofa sectional and ottoman from Ashley Furniture. I financed it through their credit card ( supposedly Synchrony Bank ) and after 6 months, my transaction is still pending and I have not been billed for it. After I applied for their card, I never received an email or anything by U.S. mail stating how much the monthly payments would be or for how many months it may take to fully pay the bill. The only thing I ever received was the credit card itself in the mail. The status of my order is still " pending '' and each time I call the number on the back of the credit card ( -customer service- ) the person who answers says it is going to be billed for sure at the end of the month and the bill will be due at the end of the following month. I have called each month since XX/XX/XXXX and each time the person I speak with says the same thing about each month. When I called in XX/XX/XXXX, they said it would come in the mail at the end of XX/XX/XXXX and it would be due toward the end of XX/XX/XXXX, and when I called in XX/XX/XXXX they said it would be due toward the end of XX/XX/XXXX, etc. When I expressed my concern for the bill at the end of 12 months to the customer service representative, he assured me that I would not wind up with ONE huge bill after 12 months with interest. He said " You will have equal payments once the first one posts to your account. '' This is extremely frustrating and I will never finance furniture again nor use those two companies. I want to know what my payments will be and when I will receive the first one. I am a XXXX and have used at least 8-9 lunch periods on hold waiting for the answer to this simple request. Please look into this for me. How long do I have to wait with the account " pending '' until I am no longer required to pay? Thank you
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the previous dispute. I have made to address the fraudulent items associated with my account Despite my efforts on my part, it appears that the issue persists, and I have yet to receive a satisfactory resolution. 

I initially brought this matter to your attention and since then, I have made subsequent attempts to resolve the issue through your designated channels, Unfortunately, I have not received any meaningful assistance or resolution. 

The impact of these fraudulent activities on my personal and financial well-being is significant, and the lack of prompt and effective action is causing me undue stress and inconvenience. I expect a company of your stature to prioritize the security and satisfaction of its customers. 

I kindly request the following actions be taken to address this matter promptly : Conduct a thorough investigation into the fraudulent activities associated with my account. 
Provide clear communication on the progress of the investigation and the steps being taken to resolve the issue. 
Take immediate action to rectify any unauthorized transactions and remove the fraudulent items from my account. 
Implement measures to enhance the security of my account and prevent future occurrences. 
I believe in the importance of maintaining a positive customer-business relationship, and I hope that this issue can be resolved amicably. I anticipate a swift response and resolution to this matter. I am asking for your assistance to remove these fraudulent items in my credit file : XXXXXXXX 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 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: Credit card

I have a Goldman Sachs Apple credit card. Even though this is an Apple branded card, it is part of the XXXX network making this a standard credit card and is therefore bound by standard and customary rules and regulations for a credit card product. This would include how transactions are posted to the account and how information is reported to the three credit bureaus. However, Goldman Sachs is treating Apple transactions on this card as a " loan '' product and reporting transactions to the credit bureaus as a credit card transaction, which they shouldn't be doing. Loans are regulated differently than credit card purchases. 

This is how they are doing it. Say your credit limit is {$2000.00}. As an Apple Card holder, Apple allows you to make a purchase and pay over time. It's a benefit of the card. You agree to pay a specific amount each month. Apple also offers a " loan '' option via XXXXXXXX XXXX for the same monthly payment, further differentiating these two options as different products not alternatives to one another. The Apple Card is a credit card product and the XXXX XXXX option a loan product. 

Now say you make a {$1000.00} purchase with Apple and choose to take advantage of the card benefit and pay over time. Your monthly payment plan on the Apple Card is say {$50.00} but the product you purchased was say {$1000.00}. Goldman Sachs will take {$1000.00} out of your available credit of {$2000.00} and then your {$50.00} will go towards that {$1000.00} not the card itself, making this a loan within a credit card. Goldman Sachs will then report to the credit bureaus in a confusing and misleading way. They will report as if it's a credit card transaction, but they are treating the purchase as a loan. When it reports to the credit bureaus it will report with a " balance '' on the card of {$1000.00} and your available credit is {$1000.00}. This then reports as a 50 % credit utilization rate which damages your credit score. Under FCRA you can not report one product as another product, that violates FCRA regulations. Apple and Goldman Sachs claim, well you as a consumer agreed to their terms and conditions therefore, they can do whatever accounting maneuvering they want and this some how gives them a " pass '' from abiding by any corporate accounting and banking regulatory laws. Laws and regulations always supersede any terms and conditions a business may try to use.
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 : Account Number : XXXX 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 XXXX 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

In accordance with the Fair Credit Reporting Act, the list of accounts below have 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  15 USC 1681 Section 602 A : States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681 Sec. 2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.