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

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

Loans were dismissed by the department of education 2 years ago and loans were then transferred from Great Lakes to Nelnet. I reached out to the department of education and they made arrangements to have my loans put into forbearance until loans are cleared but in the mean time they have accumulated over XXXX dollars worth of interest and my loans still havent been written off.
Product: Checking or savings account

I signed up for a chime account with referral code https : //www.chime.com/r/thaotran2/ which offered me {$75.00} if I complete a direct deposit of {$200.00} within 45 days of account opening. I did not receive any confirmation of my enrollment in this promotion upon sign up. I requested Chime confirm the promotion is on my account as advertised and will be fulfilled upon completion of the terms. I contacted Chime by email and phone and so far, Chime has not confirmed my enrollment. I have not received a reply by email as of yet. The first level phone support agent I spoke to said the bonus was not applied to my account despite me signing up through the link. I have not received confirmation in writing that it will be honored or that the technical error has been fixed.
Product: Money transfer, virtual currency, or money service

I am complaining a recent trend in foreign currency transactions to trick consumers into paying unfavorable exchange rates. Paypal is just an egregious example of what seems to be a common but recent practice. As a frequent foreign traveler/consumer I hadn't seen this phenomenon until recently. 

In terms of this particular example, on XX/XX/2021, Paypal used a misleading user interface to try to profit from an unfavorable exchange rate on a foreign currency transaction. 

When paying a charge of XXXX XXXX pounds, Paypal showed my wife and I a screen with the amount {$29.00} ( rate of XXXX dollars per pound and the button highlighted to proceed with the transaction. Somewhat buried in the screen was the option to " Change '' to have the currency conversion processed by my credit card company, which until recently was always the default. I am somewhat obsessive about these things, so I know that's a bad rate, but I suspect many consumers do not know they would get a better deal letting their credit card company handle the transaction. In any case, the charge came through on our XXXX Mastercard as {$27.00} ( rate of XXXX per pound ), which is more than a XX/XX/XXXX difference. 

I have seen similar practices with other vendors and ATMS, some of which may be outside CFPB 's jurisdiction, but some probably are, including Paypal. My wife thinks she has occasionally fallen for it as well. 

Please consider regulating this consumer-unfriendly practice. Thank you.
Product: Checking or savings account

I had a flight with XXXX XXXX and they allowed me to have a personal item in the departing airport but made me pay for the same item in the connecting airport twice the first amount was XXXX and the second amount was XXXX. I also got stranded in the airport on the returning flight and didnt even get on the the scheduled flight because the original connecting flight didnt wait XXXX more minutes and flew with an empty plane basically. I made a claim with chase after i tried to resolve the issue and at least get a credit from XXXX XXXX and they were very unhelpful. Chase reversed that claim and didnt give me any reason in regards to it. I tried contacting XXXX multiple times at the airport and online and they didnt even have a phone number for me to communicate and the website was horrible. The date of the claim with chase was XX/XX/2022 and i just realized now looking in my account that it was reversed I received no communication from chase.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

UNAUTHORIZED ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Payday loan, title loan, personal loan, or advance loan

My car was repossessed on XX/XX/2024. I made a payment of {$290.00} to bring the account up-to-date since the representative stated that the account would be charged off as of XX/XX/XXXX. On XX/XX/XXXX I paid {$850.00} even. I was told if I made that payment, it would include repo fees and the amount to get my car back from repossession. I was also told the payment needed to be made through XXXX, which I did make that payment. Now I have a balance of {$490.00} that I owe Wilshire Consumer credit/Westlake financial . I spoke with a representative on XX/XX/2024 to go over the {$490.00} balance. The representative proceeded to tell me that the {$90.00} was late fees which they should have requested me to pay back on XX/XX/XXXX in order to get my car back, but they did not. The representative also told me that the {$400.00} was repossession fees which is not what I was told on XX/XX/XXXX when I paid the {$850.00}. Several agents I spoke with between XX/XX/XXXX and XX/XX/XXXX since making the payment of {$850.00} told me that the repo fee was paid and included in the amount I paid. I was told the repossession fees would be included in that amount so I went ahead to make the payment as I was requested by Wilshire. Since the beginning of me contacting these people, I have been lied to time and time again about this loan and the fees included even about the repossession all together. No one has given me a straight answer when I call. My car was even damaged in the process and I know if I call to ask about it they will make up a lie or just not cover it which will cost me {$1500.00} to repair. This company is doing shady business and putting additional fees on people account after they tell the consumer a different answer.
Product: Student loan

I want to put on record the forced consolidation of student loans by fedloan. I struggle with XXXX XXXX, despite XXXX serious diagnosis I have beat the odds with a lot of hard work and caring professionals. In XXXX I was partially hospitalized and went on XXXX  XXXX. I couldnt make the payments and I called them. They refused to take a lower amount. They said they would report my payments late if I couldnt pay the monthly amount. In other words would rather take nothing then something. I sent what I could but instead of applying it to past due amount they broke the payment into pieces. They put different amounts to different loans and thereby forced the account to be late. My credit plummeted. In an effort to stop the bleeding fedloan told me I can consolidate the loans. I had been fighting this option because some of loans dated back to XXXX when interest rates were low. I asked to pay a different amount it was not an option. Knowing my credit will continue to suffer I chose consolidation. Knowing I couldnt pay at the time I put it in forbearance where the XXXX style interest began. I have all the correspondence. Thru out my time with fedloan they applied payments in pieces forced me into consolidation and forbearance. I complained and went to student loan ombudsman and no one listened. NOW it is discovered I am far from the only one this happened to.
Product: Debt collection

Charter communications said that the equipment was not returned. They turned it over to a collection company called CBE group eport Number XXXX It was disputed with XXXX and they found that I did in fact return the equipment. They deleted it off the credit report. On XX/XX/XXXX. 
I am a XXXXXXXX XXXX XXXXXXXX getting ready to pcs move XXXX and they sold whatever information they had to XXXX XXXX. They now put this back on my credit report XXXX. XXXX after it was already settled with the previous company. This is not a debt that is owed. I now can not rent and I have a wife with XXXX XXXX XXXX and an XXXX  child.
Product: Checking or savings account

On XXXX. Chase bank decided to restrict my account and close my bank account without notice or explanation. This was mine and my husband 's only bank account where we both receive direct deposits of our paychecks on XXXX. Well after contacting them about what would happen to out paychecks a supervisor informed me that since there was a restriction on my account I could wait until Tuesday XXXX and visit a local branch to withdrawl my funds from my account. Well I visited a branch today just as I was told and they refused to release my funds to me and told me I would now have to wait for a paper check in the mail once my account is officially closed on XX/XX/XXXX and still wait another XXXX days for the check to be delivered. I even explained that this was my only bank account and the only money I had to my name and they still refused. I have not made any fraudulent deposits or anything like that and they are also refusing to give me a valid reason why.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. " XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information is not shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX is a financial institution by definition under that title. 15 USC 1681 section 604a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ). XXXX is not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am exercising my right of opting out of your reporting services. These agencies never informed me of my right to exercise my nondisclosure option. 15 U.S. Code 1681 e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and Experian are not maintaining reasonable procedures. Also 12 CFR1016.7 goes on and states that " A consumer may exercise the right to opt out at anytime. FERPA- Schools may disclose, without consent, " directory '' information such as a student 's name, address, telephone number, date and place of birth, honors and awards, and dates of attendance. However, schools must tell parents and eligible students about directory information and allow parents and eligible students a reasonable amount of time to request that the school not disclose directory information about them. Schools must notify parents and eligible students annually of their rights under XXXX. The actual means of notification ( special letter, inclusion in a PTA bulletin, student handbook, or newspaper article ) is left to the discretion of each school, the school never notified parents nor student of their rights annually. I am opting out of your reporting services.
Product: Vehicle loan or lease

I have been dealing with Santander for a few years now with the loan of a car. This car is in my ex husbands name and i have been making payments on it for years. I called Santander to tell them i wanted to trade the car to get one in my name and because of them charging off the car in the credit system even though i had been making payments on it for years I could not do so. When I called on numerous times to discuss this with them they told me it was charged off and on my credit it did not matter if i made my payments on time it was not going to show that. It would only report negative. I tried speaking to different supervisors to reconcile the issue and they all kept telling me it was the company policy and that there was nothing they could do to help. After month of the run around I decided to buy a new car with a different lender. I called Santander to tell them to come and pick up the car i was no longer paying on something that was not in my name and reporting negativity on my credit already. I would like this to be removed from my credit report. I have tried to reason with them and work out the situation but have gotten no where in 2 years. The account is reporting negativly as a charge off on my credit report it is my ex husbands car and im paying thee price. This has affected me for 2 years now and is unfair. They hold you over a fire and are not willing to help you when you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 Collection account has been wrongfully placed on my consumer report By your office and you are being held responsible from here and your current reporting is : XXXX XXXX of the amount of {$650.00} whom this may concern i want to inform your office that you are in violation of the fcra, you have violated my rights by reporting false inaccurate information by the placing this false account on my consumer credit report. The collection that is being reported hasnt been opened by me, I have no knowledge of the account be advised by law I have the right to PRIVACY and you credit reporting agencies have violated it by the accused collection account and date FOLLOW AS XXXX XXXX  BY LAW WHEN A CONSUMER DISPUTES WITH A CREDIT REPORTING AGENCY THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATION. THE CREDIT REPORTING AGENCIES AS FOLLOW IS EXPERIAN, XXXX, XXXX IS CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA under 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been paid in full but still remains on my credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

The payment history and status inaccurate. Please provide procedure with the complete the investigation or remove. Last payment date is inaccurate as well. Please remove as this account is not accurate and effecting my score. FCRA 611 ( 15U.S.C. 1681 ) SECTION 603
Product: Credit reporting, credit repair services, or other personal consumer reports

I come across on my credit report, there was incorrect items appears when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous items that needs to be investigated and corrected : XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXXBankruptcy Reference # XXXX Date Filed/Reported:XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is not mines
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, SUNRISE CREDIT SERVICE added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. 

They did not verify this collection and there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. 

This is my second time submitting a complaint! After the first complaint, Sunrise Credit Service removed the collection derogatory mark from my credit report and waited four weeks, and then readded the same derogatory mark to my credit report and then reported the same mark twice to XXXX. 

According to the FCRA, Sunrise Credit Service has violated my rights as a consumer multiple times and I'm requesting legal action to remove this account immediately!
Product: Credit card or prepaid card

My complaint is about Synchrony Bank closing my Paypal Credit card ridiculously to expropriate 2 % cash rewards. 
During the card statement ( XXXX ), I spent {$20000.00} through 4 transactions and would earn {$410.00} reward after the period ended. But Synchrony bank closed my credit card on XX/XX/XXXX when balance is XXXX. 
Their explanation was " I'm a high risk user ''. But, ( 1 ) my credit score is over 750 without any overdue issue and ( 2 ) I paid off balance at the same day when I swipe above 4 transitions.

( 3 ) the balance is keep XXXX. 
It's ridiculous how risky I am for Synchrony bank! 
Then I asked to reinstate my credit card. but I got their final declining decision later. 
However, in that week, I got a pre-approval letter from Synchrony Bank to apply for new credit card. This offer prove I'm qualified for their credit card without high risk. 
It's obvous that they just find a excuse to closed my last credit card to reject to pay my hihgh reward of {$410.00}.
Product: Credit reporting or other personal consumer reports

**Consumer Financial Protection Bureau*XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX  Block Request [ Your Account Number ( if known ) ] ** Dear Sir or Madam, I am writing to formally notify you that I am a victim of XXXX  XXXX, and as a result, several items on my credit report are fraudulent and not attributable to me. The information listed below has been placed on my credit report without my consent and is directly connected to the XXXX  situation I endured. 

**Items to be Blocked : ** XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXe {$130.00} Legal Basis for Request : ** Under the Fair Credit Reporting Act ( FCRA ), Section 605C, consumer reporting agencies are required to block information on a credit report that is the result of XXXX. The FCRA mandates that this information must be blocked within four business days of receiving a request from the consumer, provided that the request includes appropriate documentation. 

Furthermore, the Fair Debt Collection Practices Act ( FDCPA ) prohibits debt collectors from engaging in any unfair, deceptive, or abusive practices. Given that the debts in question were incurred as a result of XXXX, continued attempts to collect these debts would constitute a violation of the FDCPA. 

The Truth in Lending Act ( XXXX ) also provides protections for consumers against unauthorized charges. Under XXXX, any charges that were incurred without my consent as a direct result of trafficking are considered unauthorized and should not be reported on my credit file. 

**Requested XXXX : ** In accordance with these laws, I am requesting that the aforementioned items be blocked from my credit report immediately. Enclosed with this letter, you will find the necessary documentation to substantiate my claim :
Product: Checking or savings account

On XX/XX/2021 I filed a claim with Wells Fargo because there were numerous large amounts of debits from my account. I have spoken to the claims department about it several times since then and to no avail, nothing has been done. The amounts totaled {$6800.00} on 5 different occasions. I was told that the merchant was located in XXXX but then was told that they never contacted the merchant. Wells Fargo did nothing in my regard to help me recover my funds but instead denied my claim, they never did their due diligence. On XX/XX/2021 I spoke to them again and was told that there was nothing more they could to help me and for me to file a police report. I said ok and once I Called back to ask what should i tell the officer, I was then told that its doesn't matter and not to file a report because my case was closed and that it wouldn't help me at all. So on XX/XX/2021 I contacted Wells Fargo corporate office and they submitted a message to the claims department for them to call me back and they never did, and even prior to this they still never called ma back as stated. I have yet to talk to anybody in regards to my claim. I literally just talked to corporate again today and I was told I will receive a call in 10 days. Thats what they have told me 7 times already and I still have not received one phone call.