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

In accordance with the Fair Credit Reporting Act XXXX Account : XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States I have right to privacy 15 U.S.C 1681 Section 604 A Section 2. States a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 166b. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unexplained information on my credit report. It is now going on 2 months since I sent this notice and I still haven't gotten a response from the agency. It seems my disputes are being disregarded so I am coming to you for assistance in this matter. In section 611 ( a ) it states that failure to investigate the dispute within 30 days gives cause to immediately remove the disputed items from my credit report. 

It is well past the allotted time period for them to respond so I am demanding that the erroneous accounts be deleted. In lieu of them being deleted immediately, I will be forced to seek litigation for the extreme inconveniences and stress caused by this situation.
Product: Credit card or prepaid card

XX/XX/2020, in which I am charged for amounts up to {$800.00} from the period of XX/XX/2020 to XX/XX/2020. On XX/XX/2020 my account balance was {$1300.00}. The last major transaction I made was a airline ticket which brung my balance to a remander of {$840.00} on XX/XX/2020. ANY TRANSACTIONS AFTER XX/XX/2020 is fraudulent..I sent all information in letter included with police report 3 times ( once myself and 2 from a XXXX  XXXX  I'm with and I was told they declined my disputed but they still hold to my STATE TAX RETURN AND HASN'T RELEASED IT Even in the letter I have evidence from the police and a statement from the company how didn't possession of the card on the dates of the transactions
Product: Credit reporting or other personal consumer reports

On XXXX, I got a notification from my Bank that a new credit inquiry had been made in my name. This inquiry was Fraudulent. The suggestion was to log into all three credit bureaus to get a copy of my report, dispute the credit inquiry, and set up a freeze. 

I was able to do so with XXXX and XXXX without issue. Experian, however, has made it impossible. I was prompted to create an account, which I attempted to do, but when it asked me to verify my information I was unable to - somebody else had fraudulently created an account using my information. 

I have called roughly 10 times on XXXX. Each time, the automated system gives me unhelpful options- such as " are you having trouble accessing your account ''? When I say " yes '', it sends a reset password email to the fraudulent email address. That is not helpful. 

When I get ahold of a human, they redirect me to the membership hotline. That rings 3 times each time and says " system error '' and hangs up. 

Sometimes the service reps will direct me to say " membership '' as the cause of my issue to the automated system. Doing so prompts the automated system to send me a text message listing the paid services available - paid services I can not access, because they are unable to help me with my account. 
This company provides no way for me to access my credit report. Period.
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

A few years ago I sent My personal information to XXXX XXXX XXXX XXXX at that time they wore a breach in XXXX XXXX and May Information was stolen Because of that Since then I have received all these negative information on my credit report that is not mine and I want them off. The first account was XXXX XXXX XXXX a XXXX XXXX XXXX XXXX employees XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Just to name a few of the accounts that I saw on my credit report also some of them are in a collection status and some of them are in a charge of status. All these collection accounts and charge off accounts that are listed on my report are not mine. I have never been late on any of my obligations And to see the credit reporting agency Destroy My life when they were in the wrong.in accordance with the fair credit reporting act convergent accounts all of them has violated my Rights 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: Consumer Loan

I took out an installment loan with a company called Big Picture Loans ( XXXX ). The loan was for {$800.00}. The company required automatic payments in the amount of {$280.00}. After making XXXX such payments with no issues, I received an email from them saying that they would take out an additional withdrawal in that amount ( I had already paid them {$1100.00} ). When I called to ask how much I had remaining to pay, they told me I still had to pay {$1000.00}. When I pressed them for details, they told me that the {$280.00} that I paid each month was for finance charges only, and that I had been required to make additional payments over that amount to reduce the principal balance ( that in order to reduce the principal by {$200.00}, I would have to pay {$480.00} ). The loan agreement did not state this extremely high interest rate, and was not informed of this until after the fact. In addition, I told them that they were no longer authorized to automatically debit my account, and they told me that they would be unable to stop the payment, which was " pending '' for the next day. This forced me to have my bank stop the payment after the fact.
Product: Credit card or prepaid card

I have a Chase card through Amazon Prime that I earn points from purchases. I noticed I had more points that I should have, so I checked my Chase account and there was a purchase for {$1800.00} that I did not recognize. I went back to Amazon and didn't see anything matching that, but it turns out someone had hacked into my PC at work and ordered an XXXX XXXX XXXX XXXX  on XX/XX/XXXX and had it shipped to someone in New Jersey, and then they archived the order so that I didn't see it. Not only do I not use Apple products, I don't know anyone in NJ. I immediately contacted both Amazon and Chase to alert them that I did not place this order. Whoever hacked my computer also went into my XXXX account and had all messages from Amazon forwarded to Trash. I updated all my passwords, but again on XX/XX/XXXX the same thing happened, this time with a {$100.00} XXXX XXXX gift card. Again I called both Chase and Amazon and disputed the fraudulent charge. Chase issued me a new card and the charges were removed from my account and Amazon canceled the purchases. Then in XXXX, the charges were re-billed to my Chase account. When I called them, they told me that since they hadn't received credit from Amazon they considered the charges valid. I called Amazon several times while they investigated and they sent me proof that both orders were canceled, provided me the charge back dates and other information. I provided that information to Chase and they opened another investigation, and again they came back to me that they considered the charges valid. I can not get anywhere with their horrible outsourced customer service, so I was advised by a consumer law attorney to file a complaint. I have since deployed extra security measures including the text verification from Amazon every time I log in, and no further fraud has occurred. I have been making the payments monthly to Chase for my Amazon purchases, but am not paying for the fraudulent charges and it has been hurting my credit rating. It is also not my responsibility to make sure Amazon refunds Chase.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Experian and XXXX Credit Bureaus XX/XX/XXXX to update this suspicious information. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$230000.00}
Product: Credit card or prepaid card

I received a letter from Macy 's stating that they will not renew my Macy AMX card beyond the expiration date. I called and asked why, and they told me that I did not meet the criteria to qualify to have the card renewed. I asked the agent what the criteria is to qualify and was told " we don't discuss or disclose that information to our customers. '' Macy 's is a company that pushes its associates to get customers to apply for and obtain a Macy 's credit card. Then when you use the card Macy 's wants to complain and the lower the credit limit ( which Macys has done twice with my account ) and then not renew your account. A growing and popular trend among credit card companies is to frequently pull a credit report on a consumer to " review '' their account and then lower or decrease the credit limit closer to whatever the balance is on the card at the time of the " review '' and then complain that the consumer is using too much of the credit limit or that the proportion of balance to credit limit is too high. Then the credit card companies expect the consumer to pay the full balance while at the same time continuing to charge interest on an account the consumer may no longer be able to use and refuse to work with the consumer for an amicable solution. It's only when a corporation is sued or is subject to action taken by the government against the corporation, then the corporation wants to play the victim. At a time when Macy 's is struggling and is going through tough financial times and having to close stores and lay off employee I don't think upsetting and alienating the customers is a way to increase business and sales to help a company that is already struggling financially and prevent Macy 's from following behind Sears in filing bankruptcy and will probably go out of business in the next five years.
Product: Debt collection

On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX ( I had to find the company name myself as it was not indicated anywhere on the letter ). I spoke to the representative who after asking some questions said I was eligible for student loan consolidation which I knew existed but hadn't got around to researching. After stating that I was eligible, the rep told me there would be a {$790.00} processing fee. Because I would be saving over {$5000.00} in the long run with the program, I wasn't worried about paying the fee initially. 

Today ( XX/XX/XXXX ), they were supposed to take {$39.00} from my account, and continue to do this for the next 20 years yet I did not see a charge. I then decided to do some XXXX  since none of this felt right and found out that loan consolidation is free! There were also forums upon forums of people who have fallen for this scam and urging to stay clear. I have since called to cancel all of my future payments and asked for a refund but was refused due to them 'providing me a service '' but to me NO service has been provided as my loans have not been consolidated and the payments were for them to prepare documents - basically the same documents available on the FAFSA website. I unfortunately signed their online " contract '' and returned the copy they emailed and had me print out and they took the money afterwards. One rep also said that they are affiliated with the Dept. of Education, but when asking for a refund the other rep says that they are not. 

They refused me a refund and stated that they can put my file under review but that I would most likely not get my money back because I did not cancel in their 3 day grace period. I have now opened up a dispute with my bank for the initial payment of {$790.00}, and am trying to change my account to prevent any sort of future charges ( even though I cancelled ) because I do not trust them. I will wait to see what both they and my bank says but wanted to file a complaint anywhere I can because this company should be looked into!
Product: Checking or savings account

I purchased a product for {$90.00} never received the product. The person stopped responding. I called Chime to inform them of the issue not only will they not put the money back in my account but they will not close down the scammers account either. I have Proof of transaction times Dates text proof as well This transaction was XX/XX/XXXX at XXXX XXXX  I have pictures of my account. I have pictures of proof of purchase. I have text proof and Chime also refuse to give me the name of the agent. I was talking to refused to let me speak to somebody higher up said they didnt have any information to give to file A complaint. I was hung up on and speaking to the agent after refusing to give me their name, and I believe the way that I was treated when trying to Remedy a problem and bring to their attention that a scammer is using their bank for transactional purposes. Ripping people off was unprofessional. I am more than willing to send you all of the pictures that I have regarding this situation. Please feel free to contact me so I can send those over and let me know if you need any other information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Date of birth : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXXXXXX Telephone number : XXXX XX/XX/XXXX Dear Equifax, I am writing to dispute the following information that appears on my Equifax consumer report : Dispute 1 Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Type of disputed information : Installment Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 

Dispute 2 Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Type of disputed information : Installment Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 

Thank you for your assistance. 
Sincerely, XXXX XXXX
Product: Mortgage

We have currently been in the process of a Deed in Lieu since XXXX of 2015. The last information we received was that the paper work was being drawn up. I was told this on XXXX XXXX. My loan POC is XXXX XXXX at ( XXXX ) XXXX. I have not been able to get in contact with him for two months to get an update. I have called several time and left several messages. This is has been an ongoing issue that seems to be an attempt to get me to give up on the pursuance of the Deed in Lieu. The last time I received an update and the status of my Died in Lieu was updated was after the CFPB intervened. I was informed that I needed special paperwork signed and notarized to move forward. This paperwork was submitted on XXXX XXXX.
Product: Credit card or prepaid card

On XX/XX/2020 I attempted to log in to my online account with Discover Card only to find out that my access has been restricted due to a routine identity verification check. I was told I would receive an email with instructions from an individual at Discover with instructions to submit to the IRS in order to verify my identity. I was also advised that my charging ability would be restricted or suspended until the IRS responds, which i was told could take several days to weeks due to the pandemic. These adverse actions were taken by Discover despite not sending a notification in advance to make me aware. 

As far as I'm concerned this action is a violation of my consumer rights.
Product: Checking or savings account

My name is XXXX XXXX I have a direct deposit account through chime we got our yearly bonus in check for I cashed it and went to XXXX XXXX and used what I thought was my chime debit card deposited {$500.00} but it was my girlfriends card and her accounts is unactive I called chime she gave them her info so they be able to discuss her account info with me but nothing was settled they said couldn't transfer any funds till account is re active but if that's the case it should not of allowed me to transfer the money into it I have my receipt I saw online if chime didn help me to contact XXXX they also refused to assess me Please help me fig this out I'm living paycheck to paycheck I can't afford to take this loss
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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Product: Debt collection

CMRE XXXX XXXX XXXX XXXX XXXX XXXX, XXXX VIA XXXX CERTIFIED XXXX RECEIPT # XXXX XXXX : Dispute of alleged balance ; Account # : XXXX XXXX XXXX Dear CMRE : You are reporting and attempting to collect an alleged $ [ 41,675.00 ] balance. Attached you will see through my complaint from the CFPB that you stated this would come off of my credit. You have held up my attempts at obtaining credit for myself and family. Accelerate your means of removing this off of my Credit report. Please be advised that I dispute the legal validity of the alleged balance. Verification of the alleged debt is requested, specifically, a copy of all signed contracts with the original creditor and all legal notices sent on this alleged account. You are attempting to collect a deficiency balance that I am not obligated to pay. Specifically, you have not provided me with the required notices before disposition of collateral and explanation of calculation of deficiency as required under the law. As per the law, cease and desist all collection activity, including all credit reporting. Promptly request deletion of all any credit reporting to credit reporting agencies. Write or email me once to confirm your compliance with my demand within 14 days. This letter is as a complaint to the Consumer Financial Protection Bureau XXXX CFPB XXXX. The CFPB is authorized to investigate this issue and receive any related information. If you fail to comply with this letter, I may turn the matter over to an attorney or sue. 

Sincerely, XXXX XXXX ( P.S. Please see attached copy of my ID and proof that it still on my credit. ) Email : XXXX XXXX : XXXX XXXX cc : Consumer Financial Protection Bureau XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In my review of the credit report, I found some erroneous information. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), the three credit bureaus must verify these accounts. Reporting unverified information without evidence within the legal timeframe is prohibited. Kindly investigate and correct the errors for the following accounts listed on my credit report : XXXX Balance : {$1600.00} XXXX XXXX Balance : {$1700.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Vehicle loan or lease

On XX/XX/XXXX, I was involved in a Hit and Run Accident. The car that I was making payments on via Auto Trakk was deemed a total loss. My insurance company XXXX XXXX has been working with Auto Trakk on my bebalf and has been aiming to pay off the remaining of the lease as well as all title fees. Auto Trakk has stated that they can not give a Payoff Letter or amount until they get the check. Which is false according to my agreement which XXXX XXXX has a copy of. The belief is they are trying to get the whole amount and return no funds to me. They have failed to give either me or my insurance company an accurate amount in order to buy the lease and pay off title. The only form of documentation they have given was that they would accept payment was which is the letter of Guarantee. The amount that my car insurance company was attempting to pay was {$6200.00} I believe. My insurance company cancelled the check they were going to issue as payment for fear they ( Auto trakk ) would not give me the difference. I only had 34 payments left on the car in which I was paying {$87.00} weekly. My insurance company recommended I contact you all with a complaint because Auto Trakks answers and business is unprofessional and sketchy. We ( My insurance company and myself ) are trying to simply get the car paid off so that I can get a new car. Yet it feels that since my accident I have had to jump thru hoops and suffer for something I did not do. Bad enough I struggle daily due to my injuries from the accident. I should not have to struggle with paying off a vehicle that is totaled due to Auto Trakks greed and unprofessionalism.