23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I ordered 2 vitamins from different companies, 1.  XXXX and 2. 
XXXX XXXX. They billed my checking account, XXXX, card XXXX, for {$4.00} and XXXX XXXX , {$4.00} on XX/XX/2019, and that was ok. I called to their numbers, XXXX XXXX and XXXX XXXX , XXXX and cancelled, they insist on you staying on, but I said all I wanted was my introductory offer, I do not order these anymore because of this trickery. They also do not send confirmation emails. Then I notice on my checking online charges of, 1. XXXX, $ {$93.00} 2. XXXX, {$93.00} on XX/XX/2019, I immediately called to me bank and filed a dispute, they credited my account or blocked my account, because unfortunately I lost the card these companies had information on and one after that, but I found the one after that but it was too late and I have the card that followed after that today.So XX/XX/2019, Chase Bank wrote up the dispute, credited my account and began their investigation. I thought for sure they would find in my favor as the company didnt take longer than a week and a half to bill my account, it reached my bank for charge 2 week XXXX the XXXX to XXXX before the XXXX when they sent their billing and I had unfortuanately lost that card and then one after that, so they were on standby for no other reason but my misfortune.So I get a letter from Chase Bank dated XX/XX/2019, that they had completed their investigation and had found the transaction was processed correctly. 
I remembered your agency when I worked for CA Consumer Affairs, I told Chase I was suing them in small claims court, the manager kept asking are you going to sue Chase Bank and then I remembered you guys who oversee this type of business, so I'm bringing it to you guys, I do not believe that Chase acted correctly as they stated, these companies provide no documentation of cancellation, i CALLED THEM AGAIN AND GOT CONFIRMATION I WAS CANCELLED, Please have these companies or Chase reimburse my monies, 1.  XXXX, $ {$93.00} and 2. XXXX XXXX, {$93.00} on XX/XX/2019, thank you.
Product: Credit card or prepaid card

On XX/XX/2018 I purchased an XXXX XXXX television from Costco. The purchase included a free extended warranty from a company called XXXX XXXX ( affiliated with XXXX XXXX XXXX ). The warranty was advertised on the store displays and literature to cover 5 years ( 1 year with XXXX, 1 year with Costco Concierge and 3 more years with XXXX XXXX ). Recently I noticed the tv was starting to show a line on the screen at times which has become more and more prevalent. I reached out to XXXX first and they stated they warranty the tv for one year while the actual panel was covered for 4 years. They said to contact XXXX XXXX. XXXX XXXX had me send an estimate to fix the tv as well as multiple pictures of my screen with different color backgrounds. They concluded that I had a burn in image on the tv that was not covered under their extended policy ( in the fine print ). Citi Visa which I used to purchase the tv also offers an extension of the warranty as well so I reached out to them.. When I contacted them they denied the claim stating that the tv was still under the XXXX XXXX warranty period and they would not cover anything until after the 5th year was complete. I reiterated to them that XXXX XXXX relayed that panel burn in was NOT under their warranty and XXXX 's panel warranty was 4 years. I didn't notice the issue until 4 years and 5 months ( though it had to have started happening much sooner during the XXXX warranty period based on the pictures sent to XXXX XXXX ) I started noticing the issue too late under their rules for XXXX to fix or replace the panel. The Visa warranty should have been activated for the panel starting after the 4 year panel warranty from XXXX..not from anything related to XXXX XXXX ( since the issue was never covered ). Please help. thank you much
Product: Credit reporting, credit repair services, or other personal consumer reports

Company is reporting transactions that are excluded by law. Specifically, late payments and/or inaccurate balance and/or payment information as well as income as per 15 US Code 1681a paragraph 2 sub paragraph A. 

Additionally company failed to provide a lawful consideration, accept and/or report lawfully submitted negotiable instruments, or provide 1099 or other significant tax forms in order for consumer to file/report in a timely manner. 

As of XX/XX/2023.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX XXXX regarding their reporting of inaccurate and harmful information on my credit report, which has caused significant financial and emotional damage. 

On XX/XX/year>, I sent XXXX a formal notice disputing the accuracy of the information they reported to the credit bureaus regarding the account number XXXX. I cited my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) and requested validation of the alleged debt, which they have failed to provide. Despite my request, XXXX continues to report the account as charged off, with a balance of {$430.00}, causing serious damage to my credit score. 

The inaccurate reporting of this account has led to multiple denials of credit, negatively affecting both my personal finances and business. Furthermore, this situation has caused significant emotional distress and damaged my reputation. 

XXXX 's reporting is not only inaccurate but also violates the FCRA, as they have failed to correct or verify the debt. Under the FCRA and FDCPA, XXXX is required to either provide validation of the debt or cease reporting the account. Their failure to do so has resulted in substantial harm to my financial standing. 

Actions Taken : On XX/XX/year>, I sent a formal debt dispute and validation request to XXXX under 15 U.S.C. 1681s-2 ( FCRA ) and 15 U.S.C. 1692 ( g ) ( FDCPA ). 
Despite this request, XXXX has continued to report inaccurate information, failing to validate the debt or provide a satisfactory response. 
I have not received any communication regarding the requested debt validation, and the erroneous information remains on my credit report, negatively impacting my creditworthiness.
Product: Credit reporting or other personal consumer reports

Avant credit Information missing from credit report. To remove all hard inquiries with three credit bureaus as deceptive and unauthorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 an account without my written instructions.
Product: Credit card or prepaid card

An organization by the name of XXXX XXXX out of XXXX, XXXX  misrepresented a colored diamond investment to me and as a result I have invalid charges on a Major Credit Card with the following institutios ; Capital One. A Record of charges is listed below and receipts for the charges are attached. Also attached is an entire history of these fraudulent transactions as well as a local police report, request for documentation by XXXX Police, a Press Release testifying to the arrests of 5 individuals from XXXX XXXX and an FBI referral by the XXXX Police.

Despite this documentation the institution has refused to honor both Fraud Claims. Capital One honored the claim in the amount of {$5300.00} but denied the {$9200.00} claim. Capital One to date has only notified me by phone.
Product: Checking or savings account

I am writing this complaint against Chase because I wrongfully received a charge back which has made my Chase account in the negative. 

I am requesting the information be sent to me at my residence or via email that this decision was BASED upon because if you look at the pictures involved you probably can easily see that the product was delivered to the wrong place.
Product: Credit card

American Express Credit Card Monthly bills debts are obligations of the United States per 18 U.S. Code XXXX, XXXX XXXX XXXX, and XXXX XXXX Code XXXX. American Express Credit Card Monthly bills debts are also a bond ( Top Part ) and check ( bottom part ). XXXX has been sent but no any remedies. XXXX was also sent to the XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Risks Related to XXXX XXXX Notes on Page XXXX of the FORM XXXX REGISTRATION STATEMENT UNDER THE SECURITIES XXXX OF XXXX it says that " An active trading market for XXXX XXXX notes XXXX not develop. 
There is no existing trading market for either series of exchange notes. -- -- -- -- -- -- -- -- -- [ We do not intend to apply for listing of either series of exchange notes on any securities exchange or for quotation through any automated dealer quotation system. ] -- -- -- -- -- -- -- -- -- -- -- -- Even if a trading market for either or both series of exchange notes develops, the liquidity of any market for such exchange notes will depend upon the number of holders of the relevant series of exchange notes, our performance, the market for similar securities, the interest of securities dealers in making a market in the relevant series of exchange notes and other factors. Accordingly, no assurance can be given as to the liquidity of, or adequate trading markets for, either or both series of exchange notes. '' -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - -- -- -- -- -- -- -- -Only gold and silver coin a tender in payment of debts Article XXXX Sec XXXX of XXXX XXXX -- -- -- -- -- -- -- -- Banks created the money and credit upon its own books by bookkeeping entry as the consideration for the Note. All of the money or credit which was used as a consideration was created upon their books, and it is the standard banking practice exercised XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). -- -- -- -- -- A note ( Federal Reserve Note/Cash/Paper Money ) is only a promise to pay and not paymentXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). -- -- -- -- -- -- -- -- -- -- -- -- -- -- A debt is not paid by the giving of a note ( Federal Reserve Note/Cash/Paper Money ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. -- -- -- -- -- -- -- -- -- -- -- - Giving a note ( federal reserve note/cash/paper money ) does not constitute payment XXXX v XXXX of XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) -- -- -- -- -- -- -- -- -- ----
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the infomation on this account ( XXXX XXXX creditor ) 5 times trying to get Transunnnion to provide accurate information to my credit report and as of today XX/XX/XXXX they have refused. below are the dates and times I have contacted them. trying to resolve this issue XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX certified letter was sent to them XX/XX/XXXX tracking number XXXX XXXX in addition to the mailed documents suporting my claim the documents were also uploaded to transunions web sight on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Accounts : XXXX, XXXX I am filing a complaint against XXXX XXXX XXXX XXXX XXXX ( XXXX ), EXPERIAN, XXXX, XXXX for inaccurate reporting of a charged-off debt, violations of the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), the Consumer Financial Protection Act ( CFPA ), the Privacy Act of 1974, and the Gramm-Leach-Bliley Act ( GLBA ). XXXX XXXX XXXX XXXX XXXX ( XXXX ) has reported a charged-off debt to EXPERIAN, XXXX, and XXXX on my credit report. This is in violation of the FDCPA, which states that when an account is more than 180 days past due, it must generally be charged off. Despite being charged off, XXXX XXXX XXXX XXXX XXXX ( XXXX ) has failed to provide me with a 1099-C form, as required by IRS code 4681. XXXX XXXX XXXX XXXX XXXX ( XXXX ) has violated the FCRA ( 15 US. .Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ) by reporting inaccurate information to the credit bureaus. Specifically, they have reported the charged-off debt without having reasonable cause to believe that the information is accurate. 

XXXX XXXX XXXX XXXX XXXX ( XXXX ) actions also violate the Consumer Financial Protection Act ( CFPA ) - 12 CFR 31.3 and the CFPA 's prohibition against unfair, deceptive, or abusive acts or practices. By continuing to report the charged-off account as a debt, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX engaging in deceptive conduct that harms consumers ( Me ). Furthermore, XXXX XXXX XXXX XXXX XXXX ( XXXX ) has violated my rights under the Privacy Act of 1974. The Privacy Act of 1974, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual. The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual. XXXX XXXX XXXX XXXX XXXX ( XXXX ) improperly disclosed my personal information to credit reporting agencies, specifically EXPERIAN, XXXX, and XXXX without my permission. Additionally, XXXX XXXX XXXX XXXX XXXX ( XXXX ) has violated the GLBA ( 15 U.S.C. 6802, also known as section 502 ( b ) of the Gramm-Leach-Bliley Act ) by failing to provide me with a clear and conspicuous notice of their intent to share my nonpublic personal information with nonaffiliated third parties, such as EXPERIAN, XXXX, and XXXX XXXX This coincides with 16 CFR 313.7 ( Form of opt out notice to consumers ; opt out methods ) 16 CFR 313.10 ( Limits on disclosure of non-public personal information to nonaffiliated third parties ) and 248.124 ( Reasonable opportunity to opt out ).
Product: Debt collection

I was XXXX in XXXX in the XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. with the XXXX. I had my attorney and my XXXX sent my orders I was there. no way I could be in some small town in XXXX XXXX miles from my home in Florida. it was a secured card I forgot I even had any more. so when gone someone found it on the web and went fun with it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of XXXX. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  Account Number : Date opened : XX/XX/XXXX Date Closed XXXX XXXX  Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. 

Please send me notification of the actions taken. I appreciate your prompt attention to this matter. Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

During the past year I have been attempting Dispute unfamiliar items on my credit report in my dispute I asked for a method of verification on every single account/Trade line/item I have not received the proper information from any of the credit bureaus XXXX XXXX XXXX and Experian I spoke to one manager at XXXX XXXX and he told me that we already sent the information and I told him no you did not you sent me a letter with blank pieces of paper on it Then he told me it is 2020 and everything is digital now so we verify it electronically and thats it That is not with the fair report in credit act says You have to verify the dates who you spoke to how you communicated with them what was their response what you communicated with them how do you retain your files The other two credit bureaus did not respond to my request at all and it is my right to have the method a verification Also all three credit bureaus are guilty Of when I correctly dispute an item and give them substantial proof on why the item is not valid on the report they just say that it is verified For example on all three credit bureaus they said that they verify bankruptcies by XXXX before I disputed I wrote the court on which the bankruptcy is CLAIMED to be with And asked them did they verify Bankruptcies with third-party creditors Such as Experian XXXX XXXX and XXXX XXXX  they wrote me back and said no they do not as clear as day it says on two of my reports that they verify the bankruptcies with XXXX XXXX I sent them a letter that the court sent me saying that they do not do this and they wrote me back the bureaus and said oh its verified
Product: Credit reporting, credit repair services, or other personal consumer reports

I dispute any and all alleged debts listed in my attached documents. If you believe I am in debt to your company I need to see the burden of proof. These accounts should not be reporting on my credit report without validation.
Product: Checking or savings account

Between XXXXXXXX XXXX XXXX up until currently I was out of work due to Covid and now Ive suffered a work related injury. When I tried explaining that to Wells Fargo and also asking for some type of understanding and leniency they ultimately told me my account would be closed. Furthermore I had fees that kept piling up time after time when Im drowning financially waiting on workmans compensation to backpay me.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681 ( s ) -2 states that any payments during covid-19 are required to be deferred or forgiven.15 U.S. code 1681 ( 4 ) states i have the right to privacy. I consider my payment history to be private information and must be deleted from my credit report.15 U.S. Code 1681 ( a ) states any transactions between you and the creditor are required to be excluded from your credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It MaXXXX Concern : This letter is to dispute the late payments reported to the credit bureaus for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. My account for 10+ years has been on ACH with PNC where payments have been drawn directly from my bank account via the National City and  now PNC XXXX. For some reason in XXXX when my interest rate was raised, the ACH payments did not change and continued to draw on the PNC website with the old amounts. In XXXX while talking to a representative, I paid over the phone the outstanding balance, asked to escalate the late fees, as well as filled out a new ACH form as recommended by the representative, so as to avoid this situation moving forward. The payments continued to be drawn by ACH for an amount different then the amount due, and the late fees were never addressed. I called almost monthly after the new year speaking with many representatives, over and over trying to solve my problem to make sure the correct payments were being made. I filled out several more forms, as well as went online and changed around the ACH schedule there as well. 
Finally, XXXX in escalation department was nice enough to credit back some of the late fees recently, as she saw in the history all my efforts and my submitting of the form over and over in attempts to fix this issue. Finally in the last few of days, a representative and walked me through the ACH online process yet again, stating that the form wasnt going into effect because the online ACH was overriding it. He understood my frustration and recommended I send this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this XXXX XXXX account as fradulent in the past. I also disputed this account as a closed account. The account was then reported as closed but the balance was added to my revolving credit balance, which is wrong. For some reason, XXXX XXXX is reporting as an active revolving line of credit. XXXX  XXXX is a closed, charged-off line of credit. I am not currently employed by a company, so I am not able to pay the debt at this time. This account is in fact closed and nonrevolving none the less. I can work out repayment with XXXX XXXX Bank when I have consistent income and is gainfully employment.
Product: Vehicle loan or lease

found several discrerpencies in loan after signing what was not agreed, at time of signing " electonic " in branch my co signer ( father ) and I were not supplied with loan docs and told to pick up next day and upon reviewing hem at home found several discrepencies to include multiple account numbers, not extra credit and life insurance premiums choosen at time of signing ... ... ... ..lender only changed credit life and XXXX premiums without my consent ... ... entered branch were loan originated and closed and was told by branch manager since loan was closed she was unable to assist and given the customer care number XXXX and have explained over 3 times and told loan will be reviewd and i will be contacted and to date have not with any resolution ... ... I have only received banckruptcy cease orders from one main and i to date have not filed banckruptcy ... .My fther XXXX XXXX, co barrower recently XXXX  and claims have been submitted for life insurance payouts by unknown source and still no resolution to my issue
Product: Credit reporting or other personal consumer reports

I have reach out they mail to all three credit reporting agencies in reference to the several wrong addresses they have I want these address deleted as soon as possible
Product: Student loan

Since XXXX I have been waiting on response on my discharge application. A month ago they erroneously deemed my application incomplete based on not having accounting transcripts that were in fact provided to them Nevertheless, I paid to have official transcripts sent and still have not heard anything back. Its been one thing after another and its ridiculous - not to mention these erroneous loans are causing strife as I am a single mother. This is unethical!